BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-25
Company: EQUIFAX, INC.
State: ND
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 am a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX/XXXX, XX/XX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need your help to stop this deceptive practice and fraud from carrying out time after time. When they didnt get the money theyre wanted, they use the collection report to force the consumer to send them the money. I didn't own them anything. 
I contact Dr. XXXX office XXXX and spoke to Ms. XXXX I was told it will be taken care of and not to worry. This is the first and only visit to this doctor 's office for an annual check-up with co-pay and all work was done in-house at this doctor 's office. 
The XXXX XXXX and XXXX XXXX XXXX XXXX is nothing more than fraud sending out bills that had been paid by the doctor 's office. For this bill 2019, I spoke to Ms. XXXX and XXXX with Dr. XXXX XXXX, both doctors offices stated that I didnt own anything else, XXXX balance. I have no problem paying my bill in a timely manner and paid as greed, I do have a problem with medical fraud billing. ( XXXX XXXX send me the name of the doctor on the bill that I never heard of before ) I need your help to stop this fraudulent collection from the medical billing. This type of scam artist sends out a medical bill from {$15.00} to {$30.00} to many seniors like me and threatening for collection and using credit report tool to force the consumer to send them the money. Thank you for all your help and I am looking forward to hearing from you. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Re : Unauthorized Debit Dear Sir/Madam : Please be advised the purpose of filing this complaint with your agency is to seek your assistance regarding an unauthorized debit by ( Chevron ) a merchant. It was on XX/XX/2019, when the merchant ; Chevron fraudulently processed an unauthorized payment for the amount of {$470.00} which was immediately debited from my checking account. 

Most importantly, the correct payment I authorized was for exactly {$27.00}. Due to their computer system malfunction ; it processed the incorrect amount. As a result of the wrong payment being processed and submitted to my bank ; I was hit with an NSF OD Fee of {$36.00}. To make matters worst, Chevron refused to void the drafted payment and credit my checking account. 

Furthermore, I would greatly appreciate your assistance in investigating this matter. I am requesting to have this item reversed and have said funds credited back to my account. This ordeal has caused me unwarranted inconvenience and stress ; due to the fact that I live on a fixed monthly budget. 

Thank you in advance for your prompt response and I look forward to hearing from you very soon. 

Respectfully, 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 2019-06-16
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: Public record information inaccurate

Complaint:
EXPERIAN REPORTING ( 3 ) BANKRUPTIES I NEVER FILE EXPERIAN REPORT # XXXX I requsting that investigation be done with Experian. Experian is report three bankruptcy that I did not file. See Bankrupties below are not mind. I only filed three bankrupties, the other three bureaus XXXX, and XXXX  have removed this three bankrupties. These bankrupties should not be reporting to Experian. 
( 1 ) Bankruptcy Chapter XXXX Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX ( 2 ) Bankruptcy Chapter XXXX Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX ( 3 )  Bankruptcy Chapter XXXXd Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA 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 2019-05-19
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
2006 student loans that were paid off by sallie Mae, when they transferred to navient my account was obviously not properly updated in Sallie Mae records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of navient My credit score is getting major impacted on these collections to XXXX. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX19,XXXX19,XX/XX/XXXX-19,XX/XX/XXXX19 Incorrect balance, the date reported, and the account type are inaccurate. 

US BANKRUPTCY COURT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Global Lending Services LLC
State: NC
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:
Victim of inquiry issue..numerous inquiries on my report that I dont recognize or gave permission to pull my report. Please remove all inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
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: Their investigation did not fix an error on your report

Complaint:
the following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX,XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXXXXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: SC
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 has cleared my entire credit file as of XXXX. Equifax claimed that the conformation number I have was NOT in their system. It took weeks to update and correct my credit file. 
Apparently when I got married my name change was the result of an entirely new credit file. No one from Equifax sent any documentation to me of what had happened. I was NOT able to obtain credit because of this. Since then I have been correcting my credit file with Equifax! 
Equifax has received notarized certified mail form me since XX/XX/XXXX. Each time of their results Equifax has replied the account has been verified as belonging to me but Equifax has NOT sent me any documents proving anything. Equifax has ignored my documents, added alerts to my credit file that I did NOT authorize and have NOT verified any accounts under federal law. Under the F.C.R.A. Equifax has NOT furnished a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. In the results Equifax stated in writing that they verified that the items are being reported correctly. Equifax has NOT supplied information to me proving who verified these accounts. 
Equifax received my first letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my second letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my 3rd letter via priority mail XX/XX/XXXX Equifax has NOT verified any of the accounts mentioned above. ( my name ) has NOT received any proof of verification from Equifax. 
Equifax should NOT get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In the past I contacted Experian about fradugelent information on my credit report and they did not delete it and continues to report wrong information. I have send a police report & identity theft report for these accounts XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX . They are showing names that do not belong to me XXXX XXXX, XXXX XXXX, XXXX XXXX, this is not my name and should be corrected and only have my name listed as XXXX. XXXX. I have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, XXXX, Il XXXX or XXXX XXXX XXXX, XXXX, IL XXXX. There are also inquires that I did not give anyone permission to look at my credit for XXXX, XXXX XXXX XXXX, and 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 2017-06-25
Company: Experian Information Solutions Inc.
State: OH
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: Problem getting your free annual credit report

Complaint:
XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX  Experian Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom I t May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX    XXXX   XXXX  Cell Phone :  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 non-monetary relief
Consumer complaint received 2018-10-26
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX I looked on my XXXX report and saw a collection for midwest recovery system llc so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX  I never signed a deal nor a contract with midwest recovery system llc so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a transaction for a World Series ticket on Friday XX/XX/XXXX at about XXXX using XXXX which is a checking account to checking account money payment/ transfer. The amount was {$450.00}. I got scammed and never received the ticket. I contacted my bank and XXXX and told them this. They both stated it was a service meant to use between friends and family. Essentially telling me I am XXXX out of the money. I had never used XXXX but felt safe as it was on Bank of Americas mobile application. The fact it was on Bank of Americas site makes one feel safe. My complaint is against Bank of America. Reading numerous complaints and people feeling safe because it is on Bank of Americas site. They have no business having this service on their website. It is without a doubt misleading a person to believe it is safe.I did report this within 15 min of transfer. I expressed to them it is very wrong for them to mislead people. Again, numerous people felt secure because it was on Bank of Americas app. They got burned like I did. I ask for a refund or demand Bank of America to remove XXXX from their mobile app. Thank you for looking into this Sincerely, 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 2019-05-19
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Last year I acquired a secured credit card through SunTrust as a way to build my credit score. As a condition of this credit card, I had to make a {$300.00} deposit on the card from my current Savings Account with SunTrust, which would be returned after a year of making regular payments on the secured credit card. 

After a year, my credit card was upgraded, but my deposit was never returned to my savings account. After calling SunTrust multiple times I discovered they had returned my deposit to me by opening a new Savings account without my knowledge. I received no notice that a new savings account had been created in my name and no information regarding the account details. I had to go in person to my bank and ask them to close the account and put the deposit back in my original savings account. As this {$300.00} Savings account created from my deposit was under the {$1000.00} minimum to waive monthly maintenance fees, my account would've slowly lost value due to monthly maintenance fees without my knowledge if I had not been proactive in closing the 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
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
When I attempted to dispute information on my report ( XXXX was showing a problem ) I was unable to access my report and told to call Equifax. Equifax uses unreasonable questions to verify including the minimum payment on a store card from XXXX XXXX that was closed about ten years ago and no longer exists on my credit report. They asked about a car loan that doesnt exist. They asked when I last put a fraud alert on my report. It would have been many years ago, so I can not provide the month nor could anyone remember something so specific from that long ago. Furthermore, minimum payments change based on what charges are made to a card. The questions are unreasonable. The phone system is intentionally off putting and obviously intended to frustrate people. 

Equifax is not acting appropriately and should not be allowed to continue as such. They have lost my information multiple times and admit to doing so ( and are paying for monitoring services ) but wont allow me to access my own file to dispute inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank should be put out of business. I was with XXXX  XXXX XXXX x15 years and NEVER had an issue with them. Moved to Wells Fargo because they had a promotion going which would give me {$200.00}. Bad move on my part. To begin with, WF gave me an account, without even asking me, whereas I couldn't spend but {$500.00} of MY money a day, which meant I couldn't pay rent, my car note, nothing. I called and called and even got up to WF corporate where NO ONE would help me. So I gave me. When I went into the bank this past week to get the promised {$200.00}, they LIED and said I was told ( which I wasn't ) that I needed to supply a coupon code. What?!?!?!! Nothing was mentioned to me about a coupon code when I opened the account. 

WF has caused me to lose over {$800.00} in late fees, gift cards fees ( to pay my rent ) and other fees. 

I work for the State. They literally tried to hold my Comptroller issued check x10 days. Only when I told them to call and check, did they do the right thing and release my funds. I've gone through XXXX with WF and just closed my account. They need to be dealth with. Firmly!

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 2019-06-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I received a letter from the Risk operations and Fraud Prevention Services informing me that they were terminating the banking relationship.

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 2019-06-16
Company: Experian Information Solutions 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:
I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted Experian, XXXX numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX  is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down 27 points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX   son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate 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 non-monetary relief
Consumer complaint received 2019-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated " Your Bank of America Credit Card bills have been set up to be delivered to you electronically through Online Banking '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing - again - for paperless without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation