BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Wednesday XX/XX/2020, I went to BBVA Compass to deposit funds into my co-workers account because we both have an account at the same bank in which I have been making deposits into her account for the past 4 years. About 8 months ago the branch and other branches required you to show photo ID on all transactions whether its your account or someone else account and I could understand that because it leaves a paper trail on who did what and the time etc. On the date listed above around XXXX the drive through banker told me I forgot to send my identification so I sent it up to her. She had me wait 5 minutes and then she called me Mr. XXXX even though she had my drivers license and asked me was I making a deposit into someone else account ( and my words to her ; mam cant you read I thought you were done and about to say thanks and have a nice day Ive been sitting here all this time and you havent even looked at the transaction can you hurry up I have somewhere to be ). She then had me wait an additional 4 minutes and Im still the only customer and comes back on and asks me whats the last four digits of my social security number. I instantly told her why does she need my social security number on an account I am not an authorized user or my name is not attached too and she said thats a requirement and went on to say I couldnt have been coming to that branch because thats what they have been doing which is a lie Ive never been asked that!!!!!! I have never been asked for the last four of my social and I dont appreciate it being asked. I asked for a manger and she refused to come to the window and she told me she will send me the money back and I can go to another location as if I done something wrong. I told her to fly me the deposit back and send me her information and this supervisor information. I dont know what they have going on at that branch but its unacceptable and put people at risk of having their identity stolen by the banking representatives or someone in the parking lot listening. I went to BBVA on XXXX and XXXX  XXXX XXXX and took the same deposit slip and cash sent it up with my ID was there 2 minutes the banker said thanks and have a nice day. I asked her are they required to ask for the last 4 of people social when making deposits if its not their account she said NO!!!!! and I told her thanks and have a nice day. I am a victim of identity theft and have been for the past 12 years and I feel the supervisor and the banker at BBVA copies customers ID to get their XXXX  gifts for theyre family members by making customers provide their personal information to them knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
From XXXX I was Amazon customer, I used the Amazon online to buy products, but in the end of XXXX, I closed the Amazon account without any outstanding dues. 

Later in XXXX and XXXX, I started receiving statement from Synchrony Bank/Amazon asking me to pay {$7.00} XXXX including fee, interest, card security fee ). I never asked for Synchrony Bank/Amazon Card/service, I never used this card to buy products nor I need this card, all of a sudden I started receiving statement from Synchrony Bank/Amazon, when I am not connected with them nor availed their service.

I contacted the Synchrony Bank/Amazon, they asked me to provide my Identity ( including my SSN ), but failed to provide me the reason for the statement as well as refused to cancel/terminate the card account, which I no longer require and zero down the outstanding amount which I do not owe.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2013 your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.

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 2020-11-06
Company: EQUIFAX, INC.
State: PR
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 auto loan ahowing an opened balance of {$6400.00} on my Equifax credit report do not belong to me. This is affecting my credit score on Equifax report and I need it to be removed from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: NV
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 discovered an account from 'XXXX XXXX on my credit report at least 4-5 years ago. I have been disputing it ever since I first saw it on my credit report. I never opened the account and I do not know who opened the account. Idid not give anyone permission to open an account in my name or with any of my personal information. 

I have contacted all three credit bureaus and filed a complaint of fraud and I have reached out to "XXXX XXXX" several times by alerting them of the identity theft. All of my attempts to resolve the issue has not been successful. The only removal off the credit report was done by XXXX. XXXX sent me a letter that indicates the debt was removed The debt is reported as " XXXX XXXX" original creditor XXXX XXXX. I have a PDF of the police report which is submit with the other dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use the XXXX  app and Im trying to update my banking for some reason PNC has blocked them from accessing my account. Which I dont understand since its an app to help people manage their money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company McCarthy , Burgess and wolff, claim that they have tried calling me about this situation, however i have NEVER received communication from them until now, in which there threats for me to pay a debt unknown by me. I have never owned a “XXXX” phone or have done any business with XXXX, also, XXXX XXXX XXXX  is not associated with me and i have no knowledge of this whole situation. Attached is the first and only correspondence I received from MB&W. I ask the cfpb to assist me with this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, XXXX XXXX {$2300.00}, LVNV FUNDING - XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXX {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: RS Clark and Associates, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Early Warning Services, LLC
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: Old information reappears or never goes away

Complaint:
I worked with Early Warning Systems a year ago. Please see attached document. I am a victim of identity fraud. They sent my report ... it is attached here. I just applied for a bank account and was denied due to Early Warning Systems. It appears that there is new information or they put back on information that was already removed. All I need is for this to be fixed like it was before. I am also attaching my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently pulled my credit profile due to covid and I never heard of Holloway credit solutions nore have I ever done business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: HEARTLAND PAYMENT SYSTEMS INC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my medical school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the XXXX XXXX and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/XXXX a letter was written to TransUnion regarding a creditor reporting a debt that was included in a bankruptcy in XX/XX/XXXX. That letter received no response after 30 days so another letter was submitted in XX/XX/XXXX to TransUnion following up from the XXXX letter that was mailed in XXXX. No response as of yet. Due to this creditor reporting this inaccurate it is damaging my credit even more because of the inaccuracy.

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 2020-02-13
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I stopped into the XXXX XXXX XXXX XXXX in 2019 to make sure I did not have any unpaid account. I spent an hour discussing with the receptionist there while she checked on my account. I was advised that I owed nothing and it had all been paid. 

I gave her my name, social, address and all other information for her to verify my account. After her response, I asked her to recheck and she verified this. I now get a notice that I owe {$170.00} to this company through a separate bill collector called merchants credit guide. 

I am very tired of trying to fix things that should have been fixed by the original company. It is not what you want to do when you have XXXX. It is continued harassment for doing the right thing : paying my bill!

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 2018-02-03
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Divorce Decree was signed and recorded by the Superior Court Arizona dated XX/XX/XXXX. The Decree specifically states to the Respondent ; ( page 5, h ) " The marital residence located and debt thereon in the approximate amount of {$22000.00} awarded to Respondent. '' The Decree further states ; ( page 8, paragraph 9 ) " Respondent is hereby awarded as her sole and separate property subject to any encumbrances thereon, upon which Respondent shall indemnify and hold the Petitioner harmless, all property, assets, cash payments, and items allocated to the Respondent as set forth in this Decree. '' The Decree additionally states ; ( page 8, paragraph 12 ) " This Decree of Dissolution shall be deemed a sufficient deed, conveyance, assignment, transfer and/or bill of sale of any and all right, title, interest and claim and demand of every nature covered by this Decree. It is further ordered that this document may be filed and/or recorded a valid instrument. '' XX/XX/XXXX, I forwarded a Divorce Decree copy to Mortgage company and asked to have my name removed from negative credit reporting. The Mortgage company continues to ignore the Superior Court decree dated XX/XX/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 2017-08-10
Company: Receivables Performance Management, LLC
State: NM
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 changed their account spending limit ( ASL ) fee which is a breach of contact therefor this debt should be removed. Other customers we allowed to canceled without penalty due to this change in contract, I am request this debt be remove from all three credit agency 's

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 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.

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