BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRAs. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-10-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the account was overpaid and they close account they sent me a check for XXXX for the overpayment and then stop payment after the account was closed they continue to send me bills each month that increase each month and I have not made any charge since the account was closed I have been trying for the last six month for them to correct the problem. On XX/XX/2019 I receive a letter from Walmart/synchrony account was sold to XXXX XXXX XXXX XXXX. 
another letter that XXXX XXXX would be servicing 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 2021-02-15
Company: EQUIFAX, INC.
State: IL
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/2020 I FAX AND SENT EQUIFAX A LETTER, EQUIFAX HAS REMOVED 4 GOOD ACCOUNTS FROM MY CREDIT REPORT. THIS HAS DROPPED MY CREDIT SCORE. ATTACHED IS ONE OF MANY LETTERS SHOWING THE ACCOUNTS NUMBERS AND DATES THAT EACH ACCOUNTS WAS OPEN ... WHY WOULD EQUIFAX DO THIS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened my account with Truist bank in branch on XXXX XXXX and made a XXXX dollar deposit with a money order from the post office I bought. The next day the money order cleared so I XXXX payment to myself XXXX of those dollars to another account I bank at. This bank froze my account with my funds in it and wont tell me why, wont fix it and told me to call ews. They cant do this without notifying me first or telling me why. If they were going to deny my bank account they shouldve never taken my money. I wrote a check out of there to close my account. This is unacceptable treatment.

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 2021-06-23
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. The following accounts were 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 2021-03-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have received notices from a Dept collector company in attempt to collect a debt. The company placed a debt on my credit report I have never received a notice from them, not one. I called the agency to inquire about a negative activity report by them on my credit report the original date XX/XX/2014. I was told by the agency they placed a lien and a judgement on me for a debt. I asked her if there was a charge off she stated no. I explained to her the card had been stolen and there were unauthorized charges made to the account she preceded to tell me that she knew that and sent me another collection notice a week later. I did ask them not to contact me again cease all communications and the still contacted me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: KS
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
several things to report. Many robo Calls to cell phone and landline with many different numbers which I looked up and it is Portfolio Recovery Associates. They have tried to sue me and I entered an intent to defend. I sent this intent to them certified letter and receipt return which I have. I did this on time and now received a letter from their attorney stating I did not enter defense or objections. So states I am in default. The letter they sent is dated XX/XX/2019. It was sent regular mail and they signed for my registered letter to defend on XX/XX/2019. Letter they sent was postage stamped XX/XX/2019 and I received it on XX/XX/2019. It states to respond in 10 days when it was received 9 days after their letter is dated. And again sent regular mail. They received my defense and required documentation to dispute and they are still calling both my cell phone and house phone. I also had a previous collection company send me communication about this debt which I requested verification for this debt with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted several lawyers in XXXX to close on my XXXX XXXX XXXX XXXX, N.J. house. All of the lawyers told me that I couldn't buy the house for one reason or another and that the house belong to a pool of homes that could not be sold. After calling just about every real estate attorney in the area I received a call from XXXX XXXX XXXX who told me that he could close on the house. Many documents that were signed by the sellers and the closing Attorney show that the property being sold was XXXX XXXX XXXX. I contacted XXXX several times and he convinced me that this was no problem. I have been trying to close on the house for years now and the deals fall through for one reason or another, the bottom line is that XXXX XXXX XXXX XXXX who bought XXXX XXXX XXXX XXXX  has no proof of the mortgage. At first I was told that I would have it in 7-10 business days then it changed to 4-6 weeks. XXXX XXXX XXXX XXXX  has no proof of the mortgage. I refinanced with XXXX XXXX in XXXX and XXXX XXXX has no proof of the mortgage being paid off with the refinancing and have no discharge records what so ever. XXXX  XXXX has been requested about 10 times to produce a copy of the cancelled check paid to XXXX XXXX XXXX XXXX  and the discharge records. I continue to get a heap of papers and never get the requested information. I NEED TO GET A COPY OF THE CHECK PAID TO XXXX XXXX XXXX XXXX  AND THE DISCHARGE RECORDS. ALL I HAVE RECEIVED IS A PILE OF PAPERS THAT DON'T INCLUDE THE SPECIFICALLY REQUESTED CANCELLED CHECK AND DISCHARGE RECORD.

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 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This account with XXXX  XXXX  was disputed with Transunion and creditor and closed on XX/XX/20 but is still showing on my report when is was supposed to be deleted, this account has also been deleted from my report before but keeps appearing back on my credit report which is a violation of the law

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 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by XXXX  in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.

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 2019-08-18
Company: MoneyLion Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by MoneyLion in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking account was closed on XX/XX/XXXX with a negative {$950.00}. i was a victim of a scam which left me at a negative {$320.00} on XX/XX/XXXX. the bank wants me to pay all kinds of overdrafts and fees.

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 2021-06-23
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2021-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Monday XX/XX/XXXX, I received an email from Navy Federal Credit Union, stating that a new member to member transfer account had been established. I immediately called the credit union and the first person I spoke to asked if I had just applied for a loan. I said no and she said  she was transferring me to the fraud department. The next person I spoke with told me that my {$1500.00} from my checking had been transferred to this new account, and unfortunately once the money was transferred to the account, it was immediately transferred out so they couldn't get it back. I pay most of my credit cards through bill pay and also ACH transfers. NFCU closed my  accounts and reopened them. they also told me I was not liable. They told me they would give me a letter to send to my creditors explaining that my accounts were compromised. As of today, I still have no letter for my creditors, I have had several credit cards that had their limits drastically cut, because of my payments being returned ( because accounts were closed ). All of my money is gone!!! NFCU says I will get it back after they resolve the fraud complaint. I want a letter for my creditors now!!!! I am racking up late charges and also returned payment fees, because NFCU closed my account and the bill pay service sent me letters saying I need to bring my account current. I called NFCU on XX/XX/XXXX again to ask about getting a letter or to have them fax a letter to my creditors and was told because not all of the creditors were paid through billpay, that they wouldn't be able to help with those and that they wouldn't reimburse fees. My credit standing is dropping, all because NFCU can not, or will not give me a simple letter to give to my creditors stating what happened to my accounts and that I am not just late on my payments!!!!! I AM A VICTOM OF FRAUD!!! and NFCU is not helping me ... .because if them, I have no proof to give to my creditors ... thtey have to take my word for it ... .and in this day and age, we all know they just figure I am some deadbeat who can't pay their bills, and giving them a story!!!! All I want other then my money back is to get a generic letter to give to my creditors letting them know I was a victim of theft, that my accounts were compromise, NFCU closed them and reopened them, bills were scheduled to be paid through bill pay and ACH, and they were all returned, because of this!!!!! And ask the creditors to forgo fees and charges pertaining to this matter.

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 2020-10-24
Company: Square Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2020 for {$40.00} the company only connects with members by email and never respond or help resolve the issue, the transfer was never received so I requested a refund but theres no way to refund the payment because it doesnt show on the persons account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX we paid off our Capital One Card in full. {$14000.00}. On XX/XX/XXXX we received an email that indicated we owed {$180.00}. My wife called today XX/XX/XXXX and spoke to XXXX and she said that was interest from time statement came out until day it was paid off. The Statement date was XX/XX/XXXX due on XX/XX/XXXX. The reference # for the call wasXX/XX/XXXX. Since my wife was not primary cardholder she was not able to assist so she recommend me, husband, to call back. I called back this evening, XX/XX/XXXX and spoke with XXXX, operator # XXXX. She was unwilling to refund interest due to automated system response. We have been Capital One Cardholders since XX/XX/XXXX and never missed a payment. We are disappointed and are asking for interest ( {$180.00} ) to be waived in full.

Company response to consumer: Closed with monetary relief