BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: Resurgent Capital Services L.P.
State: NC
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 I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I went to the emergency room sick. XXXX XXXX hospital XXXX XXXX XXXX XXXX XXXX NV XXXX. XXXX 's name on my receipt is XXXX XXXX .I negotiated the bill with the billing department From {$5600.00} to {$2200.00} in good faith and paid in full {$2200.00} on XX/XX/2019 and I saved the receipt. And about 3 months after I payed them I received an additional bill from DR XXXX XXXX for the same hospital bill I already settled and payed. for an additional {$1800.00} from a XXXX XXXX XXXXXXXX XXXX XXXX and an an additional {$250.00} from XXXX XXXX XXXX for the same hospital bill I already payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a debt collector trying to collect a debt that I received a XXXX for. They never put in writing I can dispute the debt only a payment option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
With no notification, Synchrony Bank has cancelled my current card ( XXXX XXXX ) and reissued it. I have not received the new card, so I can not update payment information for other accounts ... and will have late payments as a result. Synchrony says that the notification is being mailed with the card. Which is no help because I haven't received it. And they won't remove the block. 

According to their rep, there was a data breach, but my card was not affected ... this is just a precaution. But it isn't a precaution to me, as I use this card. And have plenty of available funds for my current bills. 

It is wrong for Synchrony to arbitrarily cancel my card, with no notification, when they have no realistic expectation of a new card 's arrival. Maybe tomorrow, the rep said.

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 2018-05-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I understand that per Equifax response on XX/XX/2018 that they have 60 days to investigate an issue that is on a credit report. My items that do not belong to me, which are XXXX XXXX  account number XXXX and XXXX XXXX   XXXX account number XXXX and XXXX XXXX account XXXX were all under investigation and for OVER 60 days! I have attached documentation from my credit files with the dates and under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient enrolled me in a payment program to catch up on my payments under the guise that if I made a payment of {$220.00} that same day ( XXXX XXXX2020 ), I would not be reported to the credit bureau as being late as I was working with the loan company to get current as this was a form of forbearance. As long as I made the payments for the months of XXXX, XXXX, and XXXX my account would be brought current and I would not be reported. Under this program I also had to provide my debit card information to be signed up for automatic payments for XXXX, XXXX, and an additional 12 months after. I learned yesterday ( XXXX XXXX2020 ), that Navient did report me to the credit bureaus as being 120 days late and reduced my score by 20 points. I then called Navient after learning this to get more clarification. The supervisor I spoke to, XXXX XXXX ( Employee XXXX ), told me I was given wrong information that they would still be reporting me to the bureau and that there was nothing to be done if my credit score was impacted due to the misinformation I received. I also asked for the recording of that initial call when I was signed up for the program, she told me I would need an attorney to do so via court. Navient has done this exact same thing to me back in XXXX of 2020 by offering a different automatic payment program. They reported me to the credit bureaus after they said they wouldn't and my score fell 60 points.They are lying to consumers in order to get same day payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have paid an absurd amount of fee to Wells Fargo in the last year, and in the last month alone they have charged me over {$700.00} in fees There should be a cap on how many fees they can charge this hurts so much and I am unable to make payments on my bills

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 2022-08-08
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It all Begin XX/XX/XXXX this year when my Mortgage company contacted me that Effective XX/XX/2022 my mortgage loan servicing will be transferred from XXXX XXXX XXXX XXXX XXXX to Fay Servicing , LLC. SO MY XXXX PAYMENT OF {$540.00} was the last payment to Community Loan Servicing. So I call Fay Servicing 1st to set up Auto pay because I were yet to receive my Welcome package with my direction, once received welcome package it instructed me what to do, I went on line and set up auto pay for upcoming draft XXXX XXXX. On XX/XX/XXXX I notice my auto draft of {$540.00} Pending from my checking account ALSO I saw another Pending of {$950.00} from Fay Servicing that I did NOT AUTHORIZE, I call my Bank XXXX and spoke with the Security Dept, they instructed me to call Fay Servicing I did, they told me they saw Nothing on my file of that {$950.00} Charge I went back and forth with My Bank and Fay Servicing.XXXX XXXX Fay Servicing XXXX Credit of {$95000.00} back to my account.Same thing Happen XX/XX/XXXX my account Debited {$950.00} un-authorize Transaction, Fay Servicing Reversa Credit back to my account of {$950.00} XX/XX/XXXX. On XXXX my account Debited {$950.00} and UN-AUTHORIZE TRANSACTION. I haven't been Credited YET.Its A MESS, and I'm Tired

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX , XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-07-18
Company: Experian Information Solutions Inc.
State: OH
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:
Hello : for 3 years I've been disputing with Experian as not only have they allowed my personal private information to be leaked they also refuse to update my report per Comprehensive Credit Act of 2020 section 401. They have bad information for a Bankruptcy on my file and some car loan. I've never been held to a contract for these two items and therefore they should not report on my credit as they are not mine. I called the courthouse where some entity pursued a Bankruptcy in my name but they refuse to discuss things with credit bureaus per the clerk. I asked for any paperwork signing off on a Bankruptcy but to no remedy. XXXX  has remained in compliance and removed the fraudulent Bankruptcy. At this point, I'm ready to pursue litigation against Experian as they owe me money for each negative item that remains on my credit report un solidified. Please advise and help prior to my filing things against Experian in Federal Court for fraud!

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 2018-05-01
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$170.00} and {$170.00} ( listed twice on my credit reports ) from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Dyck-O'Neal, Inc.
State: SC
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:
Company DYCK ONeal Inc, XXXX XXXX XXXX, XXXX, TX XXXX is reporting a fraudulent account to my XXXX  Report.The information their reporting as an account in the amount of {$170.00}. Ive never obtained any goods or services from this company. They submitted a document from a company called XXXX XXXX with inaccurate and incorrect information about me, like my place of employment, address, bank account and goods I never received. Im not certain how they obtain some of my information like my social security number and date of birth. Somehow they were able to create a false document and place it on my credit report as an account. This document doesnt have my handwritten signature anywhere on it. I have filed 2 police reports and sent them to XXXX  who has refuse to remove and block this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Bread Financial Holdings, Inc.
State: NC
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 I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-25
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: Old information reappears or never goes away

Complaint:
I have disouted these items multiple times on my credit report reported by department of education XXXX. There were 2 seperate loan amounts one for over XXXX and another for almost XXXX. They were removed from my report at one time but later popped back up in the middle of my school year and caused me to be dropped from my classes. I was told they would be taken care of but it has been almost 2 months and they are STILL on my report and still preventing me from going to school. I will no longer graduate in XXXX as i was supposed to and i am very upset.

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 2020-09-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX credit card was removed from my Equifax report. I have have tried numerous times with both companies to resolve this. Equifax told me in the last in XXXX and XXXX that they reached out to XXXX and they did not respond. It has affected my score for some time now. Its like talking to a robot. One company blames the other for the card being removed completely. Spent hours and hours on the phone making disputes in writing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Google Compare Credit Cards Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried for 4 months to send back something ordered from the google store using the credit card from google. They said they sent the shipping labels but have not. This is the second time I have had this problem with google. The first time took 64 back and forth emails and months to get the labels to return the item. I have complained to the attorney general of NY and they said I might want to also get you involved. After fifteen minutes on the phone with the credit card company they transferred me to google store with no option that would have helped. I recorded the entire call for you if needed as I was filling this complaint out. Their mishandling of this is going to affect my credit. I have called more times than I have counted getting the same indifference. The first time it was for ear phones that I did not order. They sent a second pair and I only wanted one. The second time was for two chrome cast for the TV and they did not work with the TV 's. Now it is for a thermostat that is not worth it to me.This is on the bottom of the dispute a charge at google store financing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
last month i went on line to my paypal account to make a payment to find my credit limit had been lowered by almost XXXX I contacted the company and they gave a multitude of reasons all were lies, they cited my house loan that I've had since 2012 nd never late, they cited my credit cards none of which were late, they cited my credit rating, my rating was over 625 until they lowered my limit coting me 16 points, they cited my work? of which i have been employed for 3 years and covid, i told them my employer is an esential business and there are no problems. they refused to listen or even let me talk to a manager. I would like my credit limit restored to the XXXX limit

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 2020-06-29
Company: EQUIFAX, INC.
State: AL
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 contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
No monies are owed to XXXX. XXXX took their monies on the XXXX of every month due to the fact that I signed up for automatic withdrawal. Account has never been negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: NY
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:
The following hard inquiries listed on my credit report ( s ) were not authorized : EQUIFAX - XXXX XXXX XXXX XX/XX/2020 XXXX  - XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Disputed account in XX/XX/XXXX, asked for verification of debt as well. I have not received any verification of the debt by company. Dispute was updated as information was correct. I am a victim of identity fraud and have had my credit locked since XXXX. I disputed the debt again on XX/XX/XXXX, once again advising i know nothing about this account nor do i know who the company saying i owe the debt too is. Updated on XX/XX/XXXX as debt is correct. Still havent received verification of the debt. Also requested a cease and desist from company and they are calling me 3 times a day.

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 2020-06-29
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:
I am a person not a credit repair person or company. I am a victim of identity theft and please address my concerns regarding my credit report that is showing fraudulent account. they are on the wrong account they are not mine

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 2020-05-10
Company: Betterment LLC
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2020Someone gained access on my betterment cash account. Link their external account to my betterment account and transfer all the money amount {$390.00}. I did not receive any email about linking the external. But I did receive email about transfer were made from my account. I checked email 2 day after the transfer was made. I called betterment to inform I did not make any transfer. Betterment try to retrieve the money back, but they could not do it. They also inform me they are unable to help on that matter and can't reimburse any money.

Company response to consumer: Closed with explanation