BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First of all I went to the ER with chest pains. I was told I needed observation over night. All this added up to a huge bill in the end but instead of sending a single bill ... I was hit with more than 5 split up Bill 's  which are harder to deal with for one you arent sure the direction it came from and exactly who you owe and for what. After giving my ins. Co.any time to pay which didnt help much because there is a HUGE deductable which I dont understand because I pay a huge amt each paycheck for the ins. For it not to help me much. I gathered the Bill 's and attempted to set up monthly payments for those I could not afford to pay In full. Only later finding out that I'd have to contact each one each month because they wont set up a way to pay automatically each month. Well.. since i missed a month i was turned over to collection agencies. Most handled my payments correctly and agreed to accept whatever i could pay except for this one company. I told the lady when she called i would like to set up payments but she told me i had to pay it in full or th here was one other option. I could pay half my bill up front then pay monthly but the half I pay up front does NOT come off the bill. I told her that was crazy! Nobody in their right mind would agree to this and I'm really trying hard to pay my debts. She said if you dont do this it's going into litigation or something of sorts. 
I'm paying the hospital alone over XXXX and they accept payments. This company I owned less than XXXX and they wont accept a payment. I'm also saying other Bill 's out of my pocket at the same time because every part of the bill was split up! Insurance is a joke! You pay out the wazoo and still owe everybody! If I was on government healthcare I wouldn't even have a deductable or a payment! It's not fair! Anyway.. the company is called XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX MS. XXXX Bill amt. XXXX. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Today, I opened a Master Credit Card with Synchrony Bank via TJMAXX, the advertisement informed me that if approved, I'm eligible to receive 10 % off my purchase and I can use the card TODAY ; however, when I attempted to use the card to complete me transaction, I was denied. I contacted the bank 's customer service ; however, I was informed that the temp generated number, expiration date, and security code are fake. I was also informed that I would lose my 10 % off. I applied and got my credit score lowered for months or year, only to find out that the bank scammed/tricked me into opening a credit card only to meet their quota. 

Congratulations, XXXX XXXX! 
Your application has been approved for the TJX Rewards Platinum Mastercard! 

TJX Rewards & reg ; Platinum XXXX & reg ; Temporary Account Number XXXX Valid Thru XX/XX/22 Security Code XXXX Temporary Credit Limit $ Use your new TJX Rewards credit card in-store or online today! 

See below for instructions and how to use your 10 % coupon either in-store or online. Both coupons void after either one is used. 
Shop Online Now! 

Use the account information above to make a purchase on tjmaxx.com.

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 2019-11-14
Company: Freedom Mortgage Company
State: GA
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:
I submitted a complaint through the XXXX XXXX XXXX as well as the Consumer Financial Protection Bureau on XX/XX/2019. 

This complaint related to erroneous information placed on my credit report by Freedom Mortgage. 

Amazingly the very next day, Freedom Mortgage shifted alot of the disputed funds around to the correct locations. I have disputed the incorrect information reported to the Credit Bureau in XXXX of 2019 which reflected I was 30 days past due. However this was due to Freedom Mortgage 's inept customer service and the fact they used the wrong account information provided to them fpr payment. After the payment was returned for this reason I re-submitted the payment. Which caused me to be 30 days past due. The fact that I was 30 days past due XX/XX/2019 which was solely their fault. I have spoken with my financial insitution to confirm these errors commited on their behalf. 

I am a 100 % XXXX Veteran and this is a Dept of Veteran Affairs Loan. I feel that all of these problems were purposefully done by Freedom Mortgage because I backed out of continuing the refinance process ( XX/XX/2019 ) with them. Since then I have had several misapplied payments as well as spoken with over 20 representatives almost on a weekly basis. Each representative is uninformed and I have to reexplain every thing to them and they can not give me an explanation. The ones who have provided some explanation, always have a different explanation. Furthermore, they have insisted that they could not correct these misapplied payments because they have already been sent to their investors. Which is when I filed complaints. The fact that Freedom Mortgage corrected all misapplied payments the following day, shows an admission of guilt/mistakes on their behalf concerning my account. 

Today, XX/XX/2019 they updated my credit report with a date of XX/XX/2019 reflecting that I owe more than I currently do according to the statement they sent me. This makes the credit bureaus see it as an increase in my debt. Unfortunately, I can not unnecessarily refinance my home with another company or I would certainly 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 2021-03-07
Company: Paypal Holdings, Inc
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Email address associated with my PayPal account is XXXX My name is XXXX XXXX and I will attach my ID here too I will attach the error message i got when I tried to access my account too. 

Whenever I want to log in it says " We are sorry, something went wrong on our end '' I have tried for months without success and whenever I tried to reset my password, it will send a code to my phone number which is XXXX but when I put the code correctly it will say " Something Went Wrong on our end '' This has repeated for months and I am not able to access my PayPal account with over {$2000.00} I contacted a customer service representative on XXXX known as XXXX and the response I got didn't help any issue as he was very rude. 

I need PayPal to resolve this and also to allow me to add my bank or card to my PayPal account so as to withdraw my funds.

I need to be able to log into my PayPal account so as to see my balance because I believe PayPal might have taken it to themselves as I have read thousands of other complaints from other PayPal users how PayPal take people 's funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE DISPUTED INQUIRIES WERE NOT AUTHORIZED BY ME AND I WOULD LIKE THOSE INQUIRIES TO BE REMOVED OFF MY 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 2019-11-15
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collections agent ( XXXX XXXX ) repeatedly called me, my husband, and my work phone. He tried getting me to divulge information about my husband to him, this is not my husbands debt. He also sent me and my husband numerous collection notices in the mail. This is not my husbands debt, it is my debt. The agent called my work phone last week and he cornered me into answering my debt questions, at work. I told him the debt is paid and to stop calling me and my husband. I paid the debt off with the original medical bill on XX/XX/2019. The debt collecting agent ( XXXX XXXX ) is now sending collections notices to my husband for the collection amount. The debt is paid, and my husband is getting a collections notice dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, 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 received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to Equifax, XXXX, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Barclays decreased my credit limit from XXXX to XXXX for being late one time this year.My credit sore lowered by 44 points, my balance with Barclays was {$660.00} and since my credit limit is XXXX my credit report showed high balance usage. The late payment was due to a mail man mistake and as soon I found out I contacted Barclays and they responded by lowering my credit limit.

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
I have been desputing an account with XXXX XXXX through XXXX, TransUnion and XXXX. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.

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 2022-10-19
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 am writing to dispute fraudulent charge on my CREDIT REPORT BY XXXX  XXXX XXXX XXXX XXXX XX/XX/2018. I am a victim of identity theft, and I did not OPEN THIS ACCOUNT. I HAVE PROVIDED A IDENTITY THEFT REPORT AND A POLICE REPORT. I HAVE BEEN DISPUTTING THIS ACCOUNT FOR A WHILE AND NOTHING HAS COME OF IT. DISPITE PROVIDING INFORMATION REGARDING THE IDENTITY THEFT. PLEASE HELP. THIS IS NOT MY ACCOUNT, AND XXXX XXXX XXXX IS NOT COMPLYING WITH THE REQUEST. TRANSUNION AND XXXX HAVE FAILED TO FIX THIS ERROR.

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 2017-05-17
Company: Machol & Johannes, LLC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In  XXXX   XXXX , I was in the process of applying for a home improvement loan and found that there was an unknown credit card through  XXXX  on my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about  XXXX  of  XXXX  I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681e ( b ) According to the IRS canceled debt ( CHARGE-OFF ) is gross or ordinary income. Income dose not get reported on your credit report. So sinc income dose nt get reported on your cunsumer report. A ( CHARGE-OFF ) is inaccurate account and it have to be removed immediatelly.

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 2022-10-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 XXXX XXXX XXXX denied me housing for the following reasons * Unable to verify income - I sent my XXXX statements along with a spreadsheet breaking down payments * Garnishment, attachment, foreclosure, reposession, collection action or judgement - I had none of these that I was aware of and was not given an opportunity to explain anything on my report. I did end up having a collection which is due to a California Bank failing to apply GAP insurance payments for a car that was " totaled '' to my loan. I am filing a separate complaint on the bank.

* Delinquent prior or current credit obligations with others - This is false, I had a clean credit report and the bank where I financed my vehicle actually lowered my rate from over 20 % to around 15 % due to a clean credit report.

* Unfavorable payment history with another apartment community.

- This is false. I terminated a lease early with the property owners permission due to getting shot at by drug dealers who were selling drugs across the street.

* Prior eviction proceedings.

- This is false, I have never undergone eviction proceedings that I am aware of.

I also called TransUnion XXXX XXXX who provided the rental application and they verified that there were no evictions on my credit report.

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 2023-08-24
Company: EQUIFAX, INC.
State: AL
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:
Equifax is reporting 7 inquires on my credit report that does not belong to me. 
XXXX. XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX, inquiry from XX/XX/XXXX XXXX. XXXX, inquiry from XX/XX/XXXX XXXX. Equifax Mortgage Service, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX, inquiry from XX/XX/XXXX Fraudulent information is being reported on my credit report and Equifax has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Northstar Location Services, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from Northstar Location Services LLC on XXXX XXXX XXXX informing me that I had not one but two of the exact same debits. According to the letters I received the Accounts Listed were # XXXX and # XXXX. When I received the notification, I sent two requests for verification to Northstar Location Services XXXX. These requests were sent certified mail with return receipt. The requests have the following tracking numbers XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. These requests were signed for on XXXX XX/XX/XXXX XXXX XXXX XXXX form the looks of the receipts. It is now XXXX XX/XX/XXXX and I have yet to receive a verification response for my request, and I am now receiving phone calls and letters from Northstar Location Services LLC stating that I have 30 days to dispute the validity of a debit which I have already disputed, and they have not responded or supplied any type of verification for. It was my understanding that they are to not call or attempt to continue collecting on a debit which they nor I can validate. It makes me wonder how many times I have to send a verification request that they keep signing for? Please assist me with this nightmare that has lasted for over 6 months now. I appreciate any assistance with this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I cancel my insurance policy with the XXXX and was told that I would received a refund back for the unused portion of my insurance in the amount of {$99.00}. I waited some time for the refund and didn't receive it. I called the insurance company and was told the refund was refunded back to my debit card ending XXXX. I advised to them I no longer had that account. They advised that the funds were sent to the bank and they still have the money. The XXXX sent and the money was approved and received to Wells Fargo on XX/XX/XXXX attached is this dispute is a copy of the receipt. I called Wells Fargo talked the first week of XX/XX/XXXX with a rep who advised my checking account was closed and he didn't see any funds being refunded and that the XXXX didn't really send the money. It " may '' have been approved but they hadn't sent the money. The following day I called back my old insurance company. The rep said no the money was refunded and that can send me the proof it was sent and that the bank has it. Receiving the email.. I called back to Wells Fargo and talked with another rep that states that he saw the entry but since i don't have a checking account its just there when asked about why they didn't return the funds back since my checking account is closed. The rep couldn't give an answer other than they weren't aware of the fund being there. i explained this wasn't my first call and asked again if there is no checking account why didn't they return the funds back to the XXXX so they can cut me a check, which they are waiting on the bank to do. I got another excuse about showing that my account was closed when he had access to this information already.

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 2023-08-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief