BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to Commonwealth Finance company, I owe {$430.00}, which is completely false. I did my research and based on what information I found out about Commonwealth Finance I am not the only one they have tried to collect a false debt from. I contacted Commonwealth Finance directly and spoke to a representative. I asked them to send me proof of this " debt '' I owe them and was asked to give personal information like my social security number which I found highly suspect. I believe this debt to be completely bogus, and will continue to fight it until resolved. These collection companies are taking advantage of people and ruining their their lives as well as credit scores like Commonwealth Finance is ruining mine. Please do something and have this company pay for their unjust acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: BARCLAYS BANK DELAWARE
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:
I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all XXXX of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting Brclysbankde Inquiry from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bk Of XXXX XXXX from 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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2020-10-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TD BANK/TARGET I cant say this more emphatically, I have never had a TD BANK/TARGET account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
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:
USAA reported 30days late XXXX because their representative told me the wrong payment amount, short XXXX. USAA won't budge even though it was a bank error. I also had late payments in early XXXX on 3 accounts due to terminally ill father 's medical bills. Accounts have been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Health insurance states hospital visit on XXXX XXXX, 2015 was not billed to the correct insurance company in the allotted time, therefore once claim was submitted, it was denied. The amount is {$1000.00}. I called the Health Insurance and was told to ask the collection agency to resubmit the bill. The collection agency said they already submitted it but was denied by Health Insurance because of the time claim was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: NEW YORK COMMUNITY BANK
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
New York community bank aka Ohio savings bank called the heloc XXXX XXXX years early due to no longer writing heloc and requested full payment of the balance. I attempted in XXXX and XXXX to make a payment over the phone to keep current so I could refinance with another bank and offered to mail a pmt. All payment requests were refused by the lender and the phone representatives only concern she asked me was if the calls to pay was on a recorded line. They have reported me as delinquent and I am unable to refinance because of their reporting. The lender originally lied and stated the loan has reached its maturity date which I was able to quickly prove the maturity date of 2012. Furthermore I was billed approximately XXXX per month throughout the term both by mail and on the automated system. I paid XXXX per month when billed for the lesser amount. Just last week In speaking with a customer service rep at the bank was advised the payments were approximately 450.00+ per month. I was never advised of this previously at any point nor was I in default prior for the supposed short payments.When first notified of their decision I was advised by a representative at the bank that i was not able to sit down with anyone t the bank to discuss their " offer to help '' paperwork nor was there anyone at the bank who I could call to discuss. The lender has been very deceitful, provided incorrect information and lied during this entire process besides refusing to take payment then reporting me as late to the credit bureau. I attempted to refinance and now can not. I did not want to do business with this lender any longer but was forced to go back to them due to the situation to try and rectify the issue. customer service representative at the bank assisted me with the loan application paperwork but is not a licensed loan officer. That is a big concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Radius Global Solutions LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company in question : Radius Global Solutions ( radiusgs.com ) Debt : Medical debt from XXXX Amount : {$130.00} Details : On or about XX/XX/2022, a {$130.00} collection was posted to my credit reports from Radius Global Solutions. I had never been notified by Radius Global Solutions or the originator of the debt, XXXX, and was unaware there was an outstanding debt. 

On XX/XX/2022, I called Radius and sent their Disputes department an email attempting to pay the debt and remove the collection from my credit reports. I never heard back. 

On XX/XX/2022, I called Radius again and sent their Disputes department another email attempting to pay the debt and remove the collection from my credit reports. I still have not heard back from Radius.

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 2017-10-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX, I tried to dispute an accidental extra inquiry by XXXX XXXX XXXX with Equifax. System timed out twice while I was typing in the submission form. They have a published number online to file a dispute by phone, but when you call it takes you to an automated system to order your credit report and score and nothing more. Can not reach a person. Can only call actual customer service by becoming a member. Can not submit the dispute to Equifax at all. The attached show the number to file a phone dispute that I called. 

I authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to make a hard pull on my credit for an auto loan. But they accidentally made two hard inquiries within two days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection is not from original creditor, Ive already tried to fix this problem with the company.

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 2022-08-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called Equifax, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ '' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " Equifax miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was recently sold to Select Portfolio Servicing, inc. We had XXXX which sold our mortgage to Select Portfolio. We had XXXX XXXX which was renamed to XXXX because of the complaints coming in because of their intimidation toward their customers. 

Select Portfolio Servicing was calling our home when our payment was not even late. It was not past 30 days at all. We are now receiving letters stating we are late and trying to state that our loan is in jeopardy and I have already paid it. This letter was received XX/XX/XXXX. 

I told them when they called, do not call me again. Today, we received this letter, when the mortgage was paid. 

These mortgage companies are harassing their customers when they have never been late. This has to be against the law. We have never been late by 30 days ever. This harassment by these mortgage holders has to STOP. 

By law, they should not have the right to intimidate!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2019-07-08
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Netcredit.com would not delete my personal information including name, email address, bank information, etc. The customer service rep said by Federal Law they could not delete my information. I believe that is incorrect. I want all my information deleted from all their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed by a company called DHHS ( Department do health and human services ) This company supposedly help people in need of financial issue I was in contact with Agent XXXX XXXX XXXX I was asked about my information and send them my info I was advised that the grant I was supposed to get was free and non refundable. I paid all the fees I was told to pay : Delivery fee {$300.00} Processing fee and activation {$520.00} Custom fee {$750.00} Stamp fee {$370.00} At the end when I realized I was getting scammed they were asking me to pay IRS fee which was {$2000.00} and they said that they were in contact with the officer and lowered to {$500.00} but I refused to pay more money and advised me to pay just the {$300.00} and still I didnt pay it and they told me that the grant check was cancelled returned to management. I asked for my money back and told me that the money I paid was non refundable I called my bank and I was advised that they cant reversed it because they already took the money. 
I had told them that I borrowed the money so they can refund me the money but no no matter what I said try still refused to return my money I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with XXXXXXXXXXXX  sometime in 2015. The account had three lines on it. Me and my daughter and her son. Phones and phone covers were purchased. My daughter paid for this account with her personal account as we agreed. The account was paid with some for phones and some the bill. I moved to another state and my daughter continued to paid this account. No problems and never turned off. I decided to end my phone service with XXXXXXXX and kept my tablet with them that was paid by my daughter. My number was removed and with them to XXXX XXXX XXXX. I also went to XXXX and paid what was owed on my phone and tablet devices in a XXXX XXXX store. I have the receipts for this that I paid this ; XXXX for airtime and XXXX for devices. The XXXX account was still being paid by my daughter. Two phones and one tablet that was on the account. I moved back to XXXX  from XXXX  and we decided to get the XXXX account in my daughter 's name so it will belong to her for credit purpose. We went to the store and did that transfer and no balance was owe by me and my daughter took over this account and a new account was done in her name with a new number. I owed nothing. Then a few months later I got a bill saying I owe XXXX for some unknown reason and I sent the company that billed me the receipts I had. I also had someone calling and harassing me about this payment. This account is being paid by my daughter with my tablet on it and I have phone with XXXX XXXX XXXX. So how do I owe a account that is being paid for still? No evidence of what I suppose to pay for has been given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XX/XX/XXXX to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/XXXX : I was shopping for a new car in California. I looked at a few dealerships but only authorized one of them to run my credit, XXXX of XXXX XXXX. In my credit report, there are multiple inquiries from other XXXX dealerships that I did not authorize. There should only be one : XXXX of XXXX XXXX. I have not contacted the other dealerships to resolve this issue. 

XX/XX/XXXX, my husband and I were in search of a new home, as part of a residential mortgage application, I authorized XXXX to check my credit. Due to a XXXX system error, they ran my credit twice, thereby negatively affecting my credit. I did not consent to the second credit check ( nor was I asked ). There should only be one inquiry from 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 2019-07-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this acct with XXXX as it was opened fraudulently. They never resolved the issue and sold the acct to a collection agency. I have no knowledge of this acct never have I had XXXX services and some how they are confirming this is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo is not responding to our online app and our phone call was not accepted. We have a direct deposit that is not showing that it came in. This happened on Friday, XX/XX/2019 XX/XX/2019

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 2021-06-11
Company: BBVA FINANCIAL CORPORATION
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 a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX, I disputed an account with XXXX  and Experian reported by XXXX XXXX XXXX for a balance with XXXX in the amount of {$1200.00}. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report due to inaccuracies and violations. 

Now I have discovered that the item has been re-inserted on my credit report by ERC.

In accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

I received no such notification. This is a very serious violation of the FCRA.I have sent notice to the company that they immediately delete the item from my credit report in order to avoid legal action.

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 2017-10-04
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/17 - This is the 2nd time that comenity bank has contacted me through my employer.  this time they mentioned the call is personal and is being recorded.  The call was transferred to me and I requested they remove my employers number and that they never contact me at this number and they disregarded my request and continued to ask me personal questions to gather other contact info such as a date of payment, an address etc.  I want them to not call my employer.  I cannot have this reflect upon me at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I asked PNC if they had covid options for help. They said yes, asked me a few questions. They said to help me yhe must lowerer my avail credit limit to z {$6600.00} from $ XXXX. & they would lower rate to 5.9 % I told them never mind I was ok. 1 week later in mail I get lowered credit limit to {$6500.00} & they say it was a random review!!! Yea right. 1st if all, do u really think during a pandemic you should do random reviews???? Keep in mind I have not had 1 later payment w/ anyone for 73 months!!!!! XXXX!!! They lie. My # 1 gripe is reviews that then hurt people during pandemic!!! People are hurting help them dont kick them when there are down.

Company response to consumer: Closed with explanation