BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: FastBucks
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good afternoon, The company FastBucks have been harassing me for months now. The company has started to call my employer and continuously harassing me and my co workers at my place of business. It has gotten so bad that I have had to transfer departments so they would stop calling me. I faxed them a Cease and Desist notice to please stop calling me and they refuse. XXXX ( manager from fastbucks ) stated that they do not have to follow any of the rules from the FDCPA and they will continue to harass me and my work place and my personal number. The calls started at my place of business on XX/XX/2019. I advised them to please never call my job again and to cease and desist all collection efforts. They called my employer again the very next day XX/XX/2019. I alerted my manager and my team of security of the issue, my manager advised that if they do keep calling I may end up on disciplinary action. I spoke with XXXX on XXXX XXXX. She stated that my account was going to go to Legal and the {$220.00} that I supposedly owe will turn into {$1000.00} and they wouldn't be harassing me anymore. Today XXXX XXXX I received a email from my old co worker stated that they called again today asking for me. I have transferred departments because the harassment has gotten so bad. I have paid my loan off in full with a cashier named XXXX back in XXXX. This company has new management and they will not stop harassing me. I will be filing a restraining order with the justice courts, I am aware that this is a civil matter but I can no longer take the harassment and nasty phone calls that i've been receiving from XXXX and XXXX. They threaten me every time they call, every single time I tell them to stop harassing me they continuously say " we're not going to stop ''. I will be taking legal action going forward.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-01
Company: Navient Solutions, LLC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi to whom in concern, I have received late payments from Navient for XX/XX/XXXX, and I am devastated. I never received any notifications or anything indicating that I was responsible for a payment due to the nationwide deferment of student loans. According to Navient 's website, " Federal student loan flexibilities for the COVID-19 emergency have been extended at least through XX/XX/XXXX ''. So how was I 90 days late for a payment that was not even due? It has destroyed my credit score. Im currently in an income based payment plan as of XXXX. It wasn't brought into my attention that I was late until XXXX. I do not understand. My payment were held off due to the pandemic, yet I have received penalties. How could I be punished at such a time like it is with everything going on with this horrible virus, and this pandemic that has effected millions. Again, I am completely shattered. Please fix this situation! 

Thank you for your time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo sent me a letter dated XX/XX/2019 saying they would investigate the XX/XX/2019 Complaint id : XXXX. They said they would follow up by XX/XX/2019. I have heard NOTHING. 

I see in the notes tracking the above complaint that Wells Fargo needs more time because they can't get a hold of me. I've tried numerous times to call XXXX XXXX at Wells Fargo and have never gotten through. I've left at least two voice messages and I opted out of their automated system to talk with someone else. I was told XXXX was the one I needed to talk with and that Wells Fargo couldn't give me an email for XXXX. 

I did try talking with my original loan representative, XXXX XXXX, and he said he thought they would dig into the details. 

XX/XX/2019 Status Now : I've left voice message for XXXX XXXX and sent an email inquiry to XXXX XXXX. 

I honestly don't think they care any more than they did when they rejected my refinance request due to not having enough time in my industry ( 15ys ) and because they can't verify compensation ( I own the company and sent my income to them ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received dispute results from Transunion about this bankruptcy stating that it was verified. The problem is that Transunion states that XXXX is their bankruptcy data furnisher because this alleged bankruptcy is shown to be from 2017 and I sent the investigation results letter from XXXX that found this bankruptcy to UNVERIFIABLE and states that they deleted it from my XXXX report. So how is it even possible that Transunion genuinely verified this item with XXXX. It doesn't exist! It was not properly investigated, only automated! The third problem is how can I have a bankruptcy with no items listed in it?! There are no items on my credit report as being included in a bankruptcy! 

Account : US Bankruptcy Reference # : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company " SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021, I received a call from XXXX, an unknown male stating his name was XXXX XXXX ( or XXXX ) from Focus Financial Services to collect a medical debt for Memorial Health System. I asked him if it was a Florida Corporation. He answered, " Yes. '' I asked if he was licensed to collect a debt in the state of Florida. He answered, " I don't have to be. '' I said that he had to be licensed to collect without violation of my FDCA rights ; he answered, " I collect for a Hospital, so I don't have to be licensed ''. While on the phone with him, I went to the XXXX Florida Department of State website to verify the company. I found the record of 3 companies with the name he gave me : FOCUS FINANCIAL SERVICES , INC. XXXX INACT FOCUS FINANCIAL SERVICES, INC . XXXX INACT FOCUS FINANCIAL SERVICES, INC XXXX INACT All inactive, administratively dissolved for an annual report. 
I asked him why he was calling on behalf of the unexisting business. 
He told me to XXXX the company, the webpage https : //www.ffsservices.com. He told me that the business was located at XXXX XXXX XXXX XXXX #  XXXX, XXXX XXXX, FL XXXX, United States. I answered that having a website and information on XXXX does not allow him to do business in Florida without active registration with the Department of the State of Florida or license to collect the debt. And in my opinion, he was conducting fraudulent activity. He said he did not care about the Department of the State or Federal law requirements. 
From my first question about his inquiry 's legitimacy, he yelled at me excessively and was overly aggressive, which I believe is a coercive tactic. He was interrupting my questions to verify the business information ; I believe he did so to avoid direct answers regarding lack of registration and license. He was asking me to admit the debt and make a payment of XXXX XXXX dollars. I told him he was a fraud and I would be reporting him to Attorney General, Federal Trade Commission, and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See attatched CFPB USAA RESPONSE dated XX/XX/XXXX CONFIRMS NO CREDITS PROVIDED. Ms XXXX Confirms USAA HELD ME LIABLE FOR {$470.00} XX/XX/XXXX. One month later XX/XX/XXXX See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX COMPLETED INVESTIGATION CONFIRMS UNAUTHORIZED TRANSACTIONS. USAA HAS NOT PROVIDED THESE CREDITS. Kindly Note all the CFPB responses claiming CREDITS WERE PROVIDE BUT NEVER NEVER GIVE DICUMENTATION OF STATEMENT PERMANET CREDITS APPLIED BECAUSE THEY LIED TO CFPB Clearly usaa held me liable since XX/XX/XXXX for UNAUTHORIZED TRANSACTIONS. See attatched USAA review of these fraud charges *REVIEW OF YOUR CLAIM IS COMPLETE* XX/XX/XXXX ( No Fraudulent Activity Found ) After Review of Your Claim. USAA IS DISHONEST DOES NOT RESOLVE FRAUD. LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS. USAA HAS COLLECTED ON AND DESTROYED MY CREDIT FOR THESE UNAUTHORIZED TRANSACTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have tried to validate bankruptcy and none of the bureaus validated or said who is reporting this on my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX  XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is the 3X Equifax has sent me this letter XX/XX/2020 requesting it again Why does it say UNABLE TO LOCATE A CREDIT FILE IN OUR DATA BASE???? Why when I send Lease, Social Security Card WE ARE NOT SUPPOSED TO LET ANYONE ELSE SEE RISKING 2Xs Do they not have? I do not think it wise to send again I am a victim of deninty theft. 
I have been unscuccessful contacting them on line due to my hand XXXX When I call My questions are not answered or resolved HOW CAN THEY HAVE NO RECORD OF ME? WHY DO THEY REQUIRE RISKING CONSUMERS PRIVACY SENDING SOCIAL SECURITY CARD? DO THEY NOT KNOW WE ARE TARGETS TO HAVE OUR SOCIAL SECURTY STOLEN IN NUMEROUS SCAMS? NO WONDER SO MUCH IDENINTY THEFT GOING ON THESE DAYS WHY AREN'T THEY GETTING WHAT I SENT?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Global Holding has neglected to resolve the issue as it is their obligation as my bank, to be held liable for those executing their contracts. 

I received an email from XXXX XXXX with the Global Consumer Adovacy Team for Global Holding, saying they referred my other complaint in regards to them and their affiliates. 

The lack of accountability they have is very unbecoming of a company or bank. It just continues to show me they truly dont care for their clientele. We are just a contract to push through and make those they are using or have on boarded to execute the contracts- have to deal with their dirty work. 

Hope you guys audit them for their crippling lack of customer service, refusal of liabilities for their service providers and/or lead generators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit. reporting to XXXX, XXXX, and XXXX want it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Consumer Solutions Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Numerous calls regarding that we are being accused of deceptive banking practices and that they will contact my employer to garnish wages. User stated that his name was Mr XXXX. Asked to have them mail us proof of the debt and they insisted that they have and that they wouldn't send anything. 

We asked for verification of the debt and they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent Experian a letter on XX/XX/2020 disputing wrong addresses, phone numbers and employment information. I have attached a file that shows the U.S. Postal Certified Mail receipt as proof and they did not remove the inaccurate information. The following incorrect personal information is listed below : Addresses : XXXX XXXX XXXX XXXX XXXX, WISCONSIN XXXX XXXX XXXX XXXX XXXX XXXX, WISCONSIN XXXX Employment : XXXX XXXX XXXX Phone Numbers : XXXX XXXX I request that Experian remove the inaccurate addresses, phone numbers and employment information listed above, being that I have no association with this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Was wondering why my score keeps going down. Found syncb/care credit showing up saying i owr XXXX. I have never given this company authorization. Written or verbal. They are reporting fraudulently. I would like them off of my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and XXXX is currently reporting a medical bill in collections that is incorrect. According to XXXX they are reporting two ( 2 ) Medical Bills from Professional Adjustment one for {$470.00} and one for {$650.00}. This information is incorrect XXXX is also reporting a medical bill from Professional Adjustment for {$650.00} that was paid and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously submitted an FTC Report and Police Report for Identity theft for fraudulent accounts listed on my credit report. The following accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Professional Medical Management, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, 2007, I did use my Chase debit card 5 consecutive times without knowing that I did not have enough fund to cover those transactions ( {$25.00} ; XXXX ; XXXX ; XXXX andXXXX ). For that reason, Chase did charge to me the amount of {$170.00} XXXX this is a {$35.00} each ). I did write a letter telling them that warning to me or decline the first time my debit card would be the right process to do, but Chase did approve these transactions and penalized me with all those astronomies charges, instead.In my letter to JPMorgan Chase, I did try to resolve the matter but the response I did receive it was a negative one and provoked the fact I had to close my account with that bank.
Note : I did not close my account because of those 5 transactions but because Chase did the same  process on 3 ( {$25.00} ; XXXX and XXXX ) more transactions which I was reluctant to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I took out this loan back in XXXX to attend college. Currently the loan has been paid off in full, however, back in XXXX I missed a payment ( first payment Ive ever missed ), due to some financial difficulties. My mom passed away and I had to take care of her funeral and other major expenses, which I tried explaining to Sallie Mae. That late payment has been on my credit report almost 6yrs and its hurting my credit score and preventing me from getting better interest rate on my mortgage, auto loan and other credit products. Im kindly asking if CFPB can step In and help remove this late payment off my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief