BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: SYNCHRONY FINANCIAL
State: NY
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:
Hello, I am being hit with 2 recent inquiries I never did and seems to be from same bank this is 100 % fraud I have no idea these cards. Never applied for them or signed up In stores for them or authorized anyone to use my information. 

seems to both be synchrony bank. 

they are saying I applied for a jcpenny and a XXXX XXXX card from them on XX/XX/2019. Which I did not do. I did not go into these stores and purchase anything. I did not sign up through any mail or through internet. So this is 100 % not authorized by me. 

I have tried explaining to the company under the fair credit reporting act to remove these as I did not authorize this and if they can prove that I did that to please show me because I know I did not.

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 2019-04-02
Company: Innovis
State: MI
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:
My credit was pulled with the company cbcinnovis two times XX/XX/19 and XX/XX/19, the company that they work for is XXXX credit union which informed me that my credit wasnt pulled but it was pulled. There was no need for the company to have pulled my credit two times back to back and when I asked to have them removed I spoke to a very rude woman that works for cbcinnovis who was not helping me at all. I have never delt with this company and would never want to, I would just like for the inquiries to be remove and an apology for the rudeness by the employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Franklin Collection Service, 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: Account information incorrect

Complaint:
According to my credit report this account was opened on XX/XX/XXXX the company name is Franklin Collection SV took over for XXXX XXXX. The amount on my credit report is XXXX. I haven't had XXXX XXXX   since XX/XX/XXXX or XX/XX/XXXX this is NOT my account. I attempted to remove it from my credit report and it's been rejected twice. I called XXXX XXXX last year when I got a bill for this to tell them that I haven't had service with them in years and the representative told me to disregard it because they couldn't find it in their system. I even went to a XXXX branch in my area they also couldn't find it and told me to disregard this and it was an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
So at XXXX I received an incoming cal on my cell from ( XXXX ) XXXX  the female on the phone Identified herself as being with Checksmart Corporate office. I don't believe she even provided her name. But she did verify my personal information for her. The call started fine but when I advised her that I would not be able to pay anything by the end of the month she started to raise her voice in what I could only describe as frustration. She advised in a punitive way that calls would continue, advised judgment and wage garnishment. I advised her that I would like the address to send a Cease and Desist letter she advised I couldn't do that because customer service was the only department that could do that. I advised her that I would like to speak with a manager at which she acknowledged and then I can only assume she hung up. I called from my cell at XXXX XXXX to the number ( XXXX ) XXXX and I got the same female I had spoken with earlier which she only identified herself as corporate office and never identified herself. I advised that I didn't appreciate being hung up on at which she responded that she had mistakenly disconnected the call. I advised her that she works on the phones for a living you think you would not have that problem. To which she responded angrily and I had at this point asked for a manger a few times and she hung up on me again. I called again from my cell to the number ( XXXX ) XXXX at XXXX XXXX and this time I spoke with a male XXXX who I verified my personal information. I spoke with him about the abusive behavior I experienced with his coworker. He advised he sat next to the female I was having issues with and at that time provided her name as XXXX and proceeded to make the excuse that there has been phone problems. I advised him that I was interested in sending in a Cease and Desist to which he responded with getting it processed immediately. XXXX was very helpful in resolving the Cease and Desist issue in a professional manner.

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 2019-04-02
Company: Rocket Mortgage, LLC
State: PA
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 spoke with Quicken Loans concerning two ( 2 ) hard inquires against my credit report. Neither of which I authorized. XXXX XXXX and XX/XX/2018. I spoke with ( XXXX, XXXX, and XXXX XXXX ) and they are investigating. The issue is that Quicken put a hard inquiry against my report without authorization. I want my score restored and the hard inquiries dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a inquiry I did not authorize New Inquiry XX/XX/17 XXXX XXXX A potential creditor, employer or service provider reported that they pulled a copy of you ...

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 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with capital one on XX/XX/19 over the phone, in doing so the representative that did the application did not disclose all the information of the process of the application. I was not told that my credit would be pulled from all three credit agencies. I called back in to inform them of the situation the same day because I have a credit monitoring service that alerted me of this. The person at capital one told me I can call in to have them removed or to redo the application. I told him that I didnt want to do the application again because that would put more inquiries in my credit reports. I called in on XX/XX/19 to see about getting them removed and was told by a supervisor name XXXX that my credit was not pulled but that was not true and I read her off the proof that came from the credit service. We went back and fourth about it until I asked to speak to someone else. The person I spoke with said that he seen the inquiries on my credit reports and there was nothing he could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I mailed out the letter to XXXX to dispute the chapter XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of Texas asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX   freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to XXXX  and to TransUnion. 
XXXX came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also TransUnion has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX and they have deleted it from my credit file.

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 2018-06-06
Company: STATE FARM BANK, FSB
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Acct # XXXX is not my account. Please delete and remove immediately or legal action will be taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Spoke to the orginal creditor of the account ; XXXX. They confirmed with me on XX/XX/XXXX that the account has a XXXX balance and was sent to XXXX XXXX   in error. They provided me with a reference # XXXX and advised they would inform the collector that the account was paid in full in XXXX. The collector has since removed the negative remark from my XXXX  credit report but added to my XXXX credit report the following day.

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 2021-04-09
Company: National Credit Adjusters, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent a certified letter to National Credit Adjusters ( NCA ) to verify a debt appearing on my credit report in the amount of {$690.00}. As of XX/XX/2021, I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
In XX/XX/2020 I sold my condo and during the closing my HELOC with Citizens Bank was paid off and both the HELOC and associated checking account was closed. I have had a credit score of XXXX for years, and now suddenly it's plummeting every month because Citizens has reported the checking account as delinquent for some overdue payment. I have called customer service and they told me no accounts are showing as open and that I had to send an email to a seemingly unmanned email address " XXXX '' which I did. I have followed up three times and get no answer. Meanwhile, every month my score drops by XXXX points. I wanted to buy a new home, now I can not. Calling Citizens Bank customer service is a multi-hour affair always, and the email address is a complete void. I have spent at least 15 hours on this and can not get anywhere with them, they just don't care. 

They're basically ruining my life and I have no recourse. No one will help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed this debt a couple of times on the grounds that I did not owe the debt to no eval. I began working with XXXX to resolve some discrepancy on my credit report. With the assistance of my case worker we requested validation of debt from Monterey Collections and disputed the debt. On XX/XX/XXXX received the attached letter stating in pursuance to the debt validation requirements set forth in the FDCPA was enclosed required proof of debt. The only thing enclosed was a original contract with XXXX XXXX XXXX minus the paper work regarding the loss of income insurance my chef had required me sign up for before he would ok the loan at origination. I called Monterey and requested any other information the company had showing that i still owed this debt and if so what i still owed on it. I also requested a full copy of the original contract. On XX/XX/XXXX I received the attached marked XX/XX/XXXX and an exact copy of the contract with the original loaner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CITIBANK, N.A.
State: KY
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: Card was charged for something you did not purchase with the card

Complaint:
Was never notified of fraudulent charges. Opened statement a couple of months ago and had over {$20000.00} worth of fraudulent charges. They removed most of the charges except for XXXX which amount to about {$9000.00}. I called them at least 5 to 6 times. Every time they have assured me they would take care of it. I have talked to every department I could think of including the fraud and securities division. I have asked them every time I have called and they say they will take the charges off and they haven't. I have paid exactly what charges are mine and haven't used the card. Today they called looking for payment and then hung up on me after I requested the fraud department. I have sent letters and they have not acknowledged any letter I have written them, they just call to collect money. I pay off my credit card balance every month and have for many years. I have received written correspondence that there is an investigation going on. I believe the 3rd letter closed the investigation stating I did not answer their questions. That letter came with my statement, still carrying that balance, just days after last speaking to the fraud and securities department. They are still trying to collect this balance that I do not owe. It was an out of state construction company.

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 monetary relief
Consumer complaint received 2021-01-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Today I have contacted y'all about my claim Date,XX/XX/20 Transaction,27 Transactions in Claim Amount, {$320.00} Claim Number,XXXX Status : Closed some agents telling me a different story. Some say that some of the payment wasn't billed. I already got all the credits to the claim, and some say that the old claim got created into a new claim with a new case number that is still under review, and I am confused ; I don't know who to believe.

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 2021-04-09
Company: Advanced Portfolio Group LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from phone number XXXX to my cell phone. I looked the number up and it is tied to a company called Advanced Portfolio Group. Today the started calling my ex husband and son. They have received calls and/or voice mails from the same number/company. They asked them about my location or something of that nature. That is all the information they would tell them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from XXXX XXXX XXXX. I contacted them to let them know I don't owe. This account for {$1200.00} is for a balance from XXXX Hospital. The problem is that XXXX does not apply the financial discount to the balance or basically adjusting the balance minus your copay {$20.00}. I contacted XXXX on XX/XX/XXXX and spoke with representative XXXX who advised me that her supervisor would be sending the information to the collection agency to adjust the balance to {$20.00}. I advised her that the account should not have gone to collections and if so it should have been sent over for the balance of {$20.00} that is owed and not {$1200.00}. She then advised that because I did not pay the copay at the time of service that is why the bill was sent to collections. I have previously disputed this bill with the collection agency. They know I don't owe this and reported it to my credit again on XX/XX/XXXX. I am requesting that this account is removed from my credit bureau as it should not have been reported to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: TCF NATIONAL BANK
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been denied using the online payment services because I put in accidentally the wrong account number because I have problems with my vision. Both times I had to call them to ask why my can payment was still on my account. Them once time I was late because of medical problem was to sick to get out to send my payment ... It got to a total of {$520.00} before I was able to pay it ... 
I have to go through XXXX to pay my car payment which cost me an additional {$11.00}. 
I am elderly and sick which I informed them ... My loan is for 36 months and it expires in XX/XX/2019..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am being charged overdraft fees when the account is not negative. However after the overdraft fees are charged, this puts the account in the negative. This has happened on more than XXXX or XXXX occasions. The last XXXX dates were XX/XX/19 and XX/XX/19. On XXXX a check went through the bank for {$550.00}. This left the account with {$13.00}. XXXX days later on XX/XX/19 I was charged an Overdraft Fee of {$36.00}. This now left the account - {$22.00}. This happened again XX/XX/19 when the last withdrawal of {$150.00} left the account with {$17.00}. Once again was charged an Overdraft fee of {$36.00} however the account was not negative until after the overdraft was process. 

When calling the bank, they can not explain why overdraft fees are being charged when the account was NOT in the negative. First time it happened, PNC assisted with fees and refunded the overdraft fees. The past XXXX times, I get told sorry wont allow a refund. I have black and white proof account was not in negative! I should never of been charged over draft fees!!

Company response to consumer: Closed with monetary relief