BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: SYNCHRONY FINANCIAL
State: FL
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 been receiving credit card at home I didnt apply for, I been calling all of the lender to cancel. but some of them not answering my calls

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 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, I have over {$5000.00} in fraud charges on the BofA edd debit card! I have been trying for days to get in touch with BofA disputes dept on hold for hours and they are not answering the phone. They will not do the dispute at an office my only option is the phone disputes dept. By law they have 10 days to return the money to my account but that starts when they accept the dispute if they don't accept the dispute then the clock doesn't start! Please help. Thanks

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 2017-12-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My check is being garnished. 
1. I have spoken to several agencies and its a dead end situation. 
2. Apparently when I was XXXX years of age ( XX/XX/XXXX) a student loan was taken out with my social security number. I did not take this student loan. 
3. It would have been illegal for me to take out any student loan or to sign a contract at this age. 
4. I have XXXX daughter that have gone off to college and when the paper work came to consolidate my daughters loan we signed the forms only the find out after the garnishment that the consolidation was on a loan that was not even ours. it was for a loan in XX/XX/XXXX that did not belong to any of us. 
5. I have file a policy report 6 I have spoken to a lawyer and now I am filing with the Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: TX
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 in XXXX, Louisiana sent a convenience check to my parents with the name XXXX XXXX on it to my parents house. My father named XXXX XXXX XXXX XXXX cashed the check by signing his phone number email and drivers license number. My name is XXXX XXXX XXXX. This company placed it on my credit report and after numerous discussions they are aware it is a mistake but refuse to take it off my credit report. I also disputed the account with the bureaus and XXXX XXXX claims that it is verifiably my account even though they are aware it is not which is a lie to the bureaus and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following credit inquiries listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2019 and XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-02-12
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It in collections its not my account, they wont tell me what kind of an account .I told them back in 2013 I had identy thief, come to find out its no the original debtors the amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing charged me {$42.00} in late payments 2x, I submitted a letter as they told me I needed to as to why my two payments were late. because I have never been late they waived one late fee but not the other. I submitted a letter of explanation in XXXX stating my payment was a little late due to ( coronavirus ) unemployment not kicking in. SLS refused to waive late fee, I have called monthly requesting to speak with a supervisor and have never received a call from one. This issue has been on going for moths with me monthly contacting SLS in addition to two letters being sent in with my payments asking to speak with a supervisor. Today one finally returned my call and waived the fee. Please look into why they do NOT respond to letters, they do not return calls and you can NEVER reach a supervisors.

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 2023-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Investigation Request to Delete wrongful collection account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT COLLECTIONS ACCOUNT The accounts below are reporting incorrectly please investigate these : 1. PORTFOLIO RECOVERY ASSOCIATES- XXXX XXXX XXXX, XXXX XXXX VA XXXX ( original alleged creditor : XXXX XXXX  ) Account number : XXXX ( date alleged open : XX/XX/XXXX ) ( Alleged balance : XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 

Attached is identity theft report and credit report. 

Truly, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
MIDLAND CREDIT MANAGEMENT FILED A LAWSUIT AGAINST ME IN THE XXXX DISTRICT COURT IN XXXX XXXX MICHIGAN ( CITY OF XXXX ) FOR {$1900.00}. I have NEVER had an account with Midland Credit Management and I have never received any notification or correspondence from MIDLAND CREDIT MANAGEMENT until a court server served me lawsuit paperwork stating that I owe them nearly XXXX XXXX dollars. I have submitted a response ( answer ) to the XXXX district court as well as a written answer has been sent via certified mail to midland credit managements lawyers XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX, stating that I do not owe said debt and have never received any correspondence from Midland Credit in regards to the debt and I have never held an account with them. 

Upon filing my answer with XXXX district court I was informed by the COURT CLERK that MIDLAND ATTEMPTED To swindle me by using an old case number for the documents they sent me of XXXX ( WHICH that case WAS DISMISSED IN MY FAVOR- to have me think that an ANSWER reply was not needed which would have then automatically given them a default judgment ) - the correct and new case is XXXX- which is the case that had I not filed an answer I would have been forced to pay a debt I do not owe- I am claiming that midland is practicing and attempting to collect an illegal debt as well as they have illegally placed a collection account on my credit reports via XXXX, XXXX, And XXXX which has caused my credit scores to plummet as well as this lawsuit has caused emotional and financial distress. Under the Fair Debt Collection Practices Act ( " the FDCPA '' or " the Act '' ), 15 U.S.C. 1692et seq ) Midland Credit Management is violating my rights as a consumer due to me not receiving proper notification of owing any said debt, not being allowed to dispute said debt, not being allowed to request their licenses and documentation showing if they can collect debts in the State of Michigan, as well as by placing a frivolous collection account on my credit reports and lastly filing a lawsuit in an attempt to collect on said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian, through U.S. Mail correspondence, to some information they were reporting on my credit report. After the initinal ivestigation they sent me a letter stating they verified the information and it was correct. I then requested any copies or original documentation, ie a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) in four more requests by U.S. Mail signed and notarized stating I was not requesting an investigation since they had already stated they completed one, but again the documentation that is required by law showing what I have previously stated ; each time this was requested Experian would send me a letter stating the information was verified and updated but I was never sent the information requested. 
The last correspondence I received from them was XXXX XXXX, 2017 and again they only stated they completed an investigation and it was verfied and updated.

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 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion forgot to remove 3 inquires from previous complaint.

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 2021-09-23
Company: ADP Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was hired by my employer in XX/XX/XXXX. I set up a direct deposit from my paycheck to a XXXX XXXX XXXX  on XX/XX/XXXX. Unfortunately, I did not keep an eye on these transactions and lost tabs on if the money made it to the account during the following pay periods. Fast forward to XX/XX/XXXX and I realized the XXXX account I set up did not have the amount of money I thought to be in there. I stopped all transactions at that time. After speaking with XXXX, they confirmed the account was set up but no transactions occurred. After speaking with my employer 's HR, they contacted ADP ( only employers can speak with ADP ) and it began a ping pong of me going between all parties to locate my money. I spent countless hours on hold, waiting for responses, sitting in XXXX branches, follow ups, etc. We were able to locate the money, where it remains, with XXXX in a " lock box '' account which belongs to " XXXX '' which is a XXXX XXXX XXXX. Due to the fact that I do not have a XXXX  account, I can not be tied to this lock box and thus can not recover the funds. ADP has refused to do a trace and recall because the transactions are " more than 60 days old '' ( XXXX advised me this is illegal and ADP should have many years of records ). My employer doesn't see how they can help me at this time and refused to assist further. I have documentation of my dialogue with my employer 's HR, confirmation of account set up, and tracing numbers of deposits that are linked to XXXX and the aforementioned " XXXX ''. I am in need of a resolution as this has been mentally draining and time intensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
None of the credit cards show up when I try to make a transaction even after waiting for 72 hours per instructions given by the company. 

So far, I tried contacting : 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, XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TD BANK US HOLDING COMPANY
State: MA
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:
My identity has been stolen and it has been used to open account under my name like credit and collection as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: United Credit and Collections Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX this account was reported to my credit in the amount of {$530.00}. It was charged off and placed back on my report in XXXX. They have now posted that the date placed for collection was XX/XX/XXXX which isn't true due to this information being falsely reported because no debt is owed, which is the reason it was charged off once before. They've updated my credit report XX/XX/XXXX without notifying me of any changes made what so ever. On my report it states that this debt is estimated to be removed XX/XX/XXXX which continue to update and change whenever the company feel the need to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX  in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was trying to work with them and most of my payments in XXXX were marked as late or went unreported and now in early XXXX they repossessed my vehicle without responding to my attempts to work it out with them

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 2019-02-12
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX/2018, I contacted Citibank NA regarding a fraudulent inquiry made on my credit report for a Sears Mastercard. I spoke with the Fraud Dept, first I was informed they had no record of my social security number on file. I was asked to forward a copy of my credit report which showed the inquiry in question. I followed-up with a letter and again was asked to complete a form with my personal information because they were unable to locate my information. After returning this document, I received a letter the inquiry would be removed from my credit report within thirty ( 30 ) days. 

After reviewing my credit report and noticing the inquiry was not removed, I immediately contacted this company again. I spoke with numerous representatives because again they were unable to locate an inquiry with my personal information provided. I finally was forwarded to a representative who allegedly was able to locate my information. I was told, he spoke with his supervisor and another request was forwarded to XXXX  to have this inquiry removed. I followed-up with a letter regarding this conversation. I received the same letter stating the inquiry would be removed ... with a different date. 

As of this complaint, I have received five ( 5 ) letters from this company stating the inquiry would be removed. And this inquiry remains on my credit report. I have documented all communication with this company as well as maintained copies of all correspondences to resolve this issue.

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