BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is a closed account that was charged-off. The account is reporting a balance of {$300.00}, which is accurate since the card 's limit was only {$300.00}. However, LVNV Funding/Resurgent, the collection company on this account, is reporting a balance of {$690.00}. This is more than double the original balance! I disputed the amount that LVNV Funding/Resurgent was reporting in XX/XX/2019, and no change was made to the balance that was being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: SYNCHRONY FINANCIAL
State: MI
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: Problem with personal statement of dispute

Complaint:
The most recent contact with XXXX XXXX ( Care Credit ) and XXXX was today, XX/XX/XXXX. This is in reference to account # XXXX. Since XX/XX/XXXX, I have been in contact with XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX about requesting to have the information related to this account removed from my credit report. 

My first concern was about the information on my credit report : it was never updated to show the balance was satisfied by either Synchrony or XXXX. XXXX has been agreeable and helpful. Synchrony has not. 

The debt itself is not the issue and I am not alone in this country as someone who has suffered financially. I was going through extreme financial hardships in XXXX and was unable to pay even the minimum balance on the care credit card. However, I paid the debt IN FULL as soon as I was able and paid it directly to XXXX XXXX XXXX ( the account was sold to them by Synchrony ). 

My issue is the total debt was less than {$1500.00} and Synchrony refuses to treat collections on a case-by-case basis. My debt was compared to that of being in default with a mortgage -- that is ridiculous. I find this incredibly unfair and an unrealistic approach to resolving account issues. Synchrony also explained that charge offs will deter lenders from approving future loans. This sounds like Synchrony enjoys controlling the goals we try to achieve. I find it disgusting that a company refuses to acknowledge that people go through tough times but not all of us CONTINUE to go through tough times and work extremely hard to pull out of those tough times. If a > {$1500.00} debt will hold me back from buying a house or buying a car or asking for a student loan to further my education, I think that speaks volumes of Synchrony and their lack of support for people to want better and be better. The truth is : not all debt is the same.

I am asking again for the account related to XXXX XXXX ( Care Credit ) be removed from my credit report and I hope Synchrony will be open to revising their policies on deleting charge offs from 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 non-monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I've been sending dispute letters to get one account deleted. They keep saying the account has been verified and updated with every dispute. The last letter I sent was a letter of verification. I wanted to know who and what all was verified. I also ask for copies of documents or a contract. Copies of first and last payments. Names of person or persons verifying everything along with their and phone number and address.

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 2020-06-04
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX ; Experian and XXXX   should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-02-20
Company: ERC
State: MA
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made reservation online to stay for the period of 4 nights at XXXX XXXX XXXX XXXX in XXXX, XXXX. Upon arrival at the hotel, I made the payment with Capital One credit card for the booked reservation. After spending a sleepless night at the hotel I had to check out early next morning due to the unbearable conditions at the hotel : No hot water, loud noise coming from street, music, holes in the windows and balcony doors of my room. At the time of checkout I requested the front desk clerk to refund money, and they provided me the receipt in Spanish with total amount. After coming home from my trip, I found out that the hotel still charged my credit card for the full amount of the reservation. I contacted Capital One and disputed the transaction. I explained that I was unable to stay at the hotel due to the fact that hotel could not provide the basic necessities for my stay : hot water, ability to sleep at night. After two months of dispute resolution process Capital One refused to refund my money. When I asked the bank representative why or what they based their decision on, they answered that I did not provide sufficient evidence to support my claim. I wrote two letters to explain what happened and to respond to the letters from XXXX XXXX XXXX representative. 
I submitted other documents to the bank, receipts, etc. I am not proficient in Spanish. The hotel XXXX XXXX failed to provide a room with minimum required facilities for enjoyable stay : not hot water, no ability to sleep. Nevertheless, they unjustly enriched themselves by charging me for the services they did not provide, and Capital One refused to refund my money. 
I can provide all the documents and correspondence with Capital One to help you resolve this issue. Please, I need your help to help resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage lender Wells Fargo is denying me access to government programs that I qualify for and as a result I am facing a foreclosure sale date. I went through a temporary hardship and am financially sound again. I have tried for months to get Wells Fargo to work with me on my USDA loan and to consider me for a modification, forbearance or even a repayment plan but I can't get any traction. They are constantly changing account managers, losing my paperwork and not even taking notes of my multiple interactions with them. Instead of working to help me their collections department is hammering me with calls demanding I pay up all day and night at all hours. I became so frustrated that I asked for a reinstatement amount so I could try and wipe this out but they could not even provide this for me. I believe their obstruction has been intentional. My USDA loan is backed by a government agency and there are multiple programs available to help people in my situation. Why is Wells Fargo treating me this way? 

I worked hard to buy my home. I have been a XXXX for 17 years ( I XXXX XXXX, XXXX   and XXXX ). In 2016 I was involved in a custody battle for my daughter which took considerable financial resources from me. At the same time I switched jobs and this led to a lower salary. In the past I had supplemented my income by working as a XXXX and receiving a stipend, but due to my son 's XXXX I was unable to continue doing this. All of these events coincided into a perfect storm and led me to default a little over a year ago. I immediately began trying to contact the bank agents to work something out and was assigned an account manager. I submitted all of my paperwork, but when I tried to follow up the account manager had changed. This happened on several occasions -- no one knew what was going on with my application, I would call a couple of days after having spoken to someone and there would be no notes regarding the previous conversation. It was completely unorganized and I was not able to make any progress. 

I don't know what else to do, I have submitted my paperwork several times and when I try to follow up I have a new account manager who says they don't have my paperwork and tries to make me start over. Out of frustration I have requested a reinstatement amount so that I can try and end this nightmare but I am not even able to get this information out of Wells Fargo. Instead I have been pushed into an avoidable foreclosure as they scheduled a sale date earlier this month. 

My hardship was temporary, I am in a better place financially and have more financial resources. I deserve the chance to be considered for these programs and want to save my home. Please look into the way that Wells Fargo has handled the servicing of my loan.

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 2018-05-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am no able till now to access my account with Wells Fargo Bank. I need to access my account because this is account receive my Social Security XXXX fund. This Wells Fargo Bank need to contact me directly on how to access my account right now by using my Social Security number.

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 2018-05-08
Company: ProCollect, Inc.
State: TX
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:
Procollect Incorporated XXXX. XXXX XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XX/XX/XXXX / /XXXX , XXXX , XXXX , asking procollect to produce documents XX/XX/XXXX / /XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX //XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX /XXXX, XXXX, XXXX  , asking procollect to produce documents E-mails and phone calls made to  procollect from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave Procollect two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.

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 2020-08-27
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX IN XXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX  XXXX XXXX {$3800.00} XXXX/XXXX  XXXX {$920.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX  XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX/XXXX   XXXX {$2900.00} XXXX XXXX {$610.00} XXXX/XXXX  XXXX {$34000.00} XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX/XXXX XXXX {$0.00} XXXX  XXXX {$610.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: GA
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX  XXXX  XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX

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 2021-06-03
Company: Global One Arbitration Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Complain XXXX XXXX XXXX XXXX, XXXX of legal age, with email XXXX, and in my capacity as owner of the policy XXXX with an effective date of XX/XX/2019, as I certify with the document attached to this email, I respectfully appear to expose : That I have come to file a complaint against the company XXXX  XXXX XXXX XXXX XXXX with address at XXXX XXXX XXXX, XXXX XXXX TX XXXX E.U.A. 

That on XX/XX/2019, the undersigned carry out a contract called offset transaction, which had the objective of terminating the contractual rental relationship with reference XXXX, which I attached to this document in format pdf in order to prove my saying. 
From said contract at the point indicated with number 4, a policy that they would have to pay emerges which has as data the policy XXXX, single folio XXXX, document series XXXX, with settlement date XXXX, for an amount of {$7600.00} USD, and which covers the amount of {$310000.00} USD.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-03
Company: CORELOGIC INC
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:
On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time XXXX didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so

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 2020-05-28
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have a concern regarding with my friends transaction ( sender ) depositing my money to my bank account. The sender sent the money last Friday XX/XX/2020 thru WU by her XXXX XXXX account, choosing the 0-2 business days transaction and I should be expecting the deposit here in the XXXX last XXXX XXXX. Tracking the control number that was given, it says its already delivered but I checked my bank account and still I havent received it. I even asked the manager of the bank if I do have pending transaction and sent a confirmation stating I do not have any pending one. I feel uneasy since the transaction says it was complete but I checked it how many times but theres none. I rechecked the bank details how many times but the inputs were correct. I tried sending emails, sending personal messages to WU social media accounts since XX/XX/XXXX but they did not answer. Yesterday morning, they tried to reach me asking my personal info and XXXX but that was only it. After I sent it, again I got no replies at all until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: IL
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 contacted XXXX, XXXX and Equifax on XX/XX/XXXX requesting they send documentation verifying the accuracy of a XXXX XXXX account on my profile. I never received documentation, just a updated report saying " this account has been verified ''. On XX/XX/XXXX, I sent a second letter requesting documentation confirming validity of the account. I received the same responses as XX/XX/XXXX from each bureau.On XX/XX/XXXX, I sent a third letter and did not receive a response at all. On XX/XX/XXXX I sent a letter requesting method of verification of the XXXX XXXX account and did not receive a response. I contacted XXXX XXXX to resolve the account since it was affecting my score. I was told that they did not have my account it was with a company called XXXX XXXX. I contacted XXXX XXXX and was told they didn't have authority of my account and that I had to contact XXXX. After being transferred between the 2 companies, I was still unable to find out who had authority over the account. I spoke with a rep named XXXX whose extension was XXXX at XXXX XXXX and another rep at XXXX XXXX who got a manager over the phone and he told me that he couldn't do anything because my account was not with XXXX. Two weeks later, I contacted XXXX XXXX again and was told the account was with XXXX XXXX XXXX XXXX XXXX . I contacted this company at XXXX and spoke with XXXX XXXX. I paid the account and expressed that this payment was not an admittance of ownership but that of a weary consumer who was tired of getting the run arounds. I made the payment and was told XXXX XXXX is responsible for removing the account since they are the ones reporting. I called XXXX XXXX the following day on XX/XX/XXXX and was told again that they do not have my account and thus could not give me any information.

Company response to consumer: Closed with explanation