BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2018 I closed on a Home Equity Line of Credit with XXXX XXXX XXXX XXXX, the title company was XXXX XXXXXXXX XXXX XXXX XXXX. I received a paper check from XXXX XXXXXXXX XXXX XXXX XXXX to pay the balance of my XXXX XXXX XXXX credit card, which I took to the XXXXXXXX XXXX XXXX XXXXXXXX location on XX/XX/2018. When I went to make a payment to XXXXXXXX XXXX  XXXX On XX/XX/2018 my balance was way higher than I originally thought. After reviewing the XX/XX/2018 statement, I saw on XX/XX/18 an Adjustment - Payments of {$1100.00}. I immediately contacted XXXX XXXX XXXXXXXX XXXX, and was informed that my bank reversed the XX/XX/2018 payment. I immediately contacted XXXX XXXX XXXX XXXX and after a review was connected to XXXX XXXX. After her review, she confirmed that a check from my HELOC of {$1100.00} was distributed through XXXX XXXX 's office. I than called XXXX XXXX 's office and spoke to Ms. XXXX XXXX - XXXX, I explained what had happened with my account.She told that in XX/XX/2018 XXXX XXXX XXXX drafted their account twice, and that after many inquires and an investigation, that in XX/XX/2018 a reversal was granted and was told to resolve it myself. I told her I was upset that no one contacted me regarding the problem in XXXX or any other month. I called XXXX XXXX XXXXXXXX XXXX location and explained what happened to coach XXXX XXXX. After her review, I was informed that the XX/XX/2018 check was deposited electronically, and deposited, she than told me she would speak to the XXXX XXXX XXXX/XXXX XXXX XXXX. I than contacted XXXX ( XXXX ) explained what I was told by the XXXXXXXX XXXX  XXXX representative ( XXXX XXXX ), XXXX offered to send a copy of my settlement statement ( which she did ), and stated she would check with her manager on a course of action. When I called XXXX back she stated her manager said it was not their problem and to contact XXXXXXXX XXXX XXXXXXXX. I than called XXXX XXXX XXXXXXXX XXXX again and was told to contact the bank that issued/reversed the check. I than had to contact Ms. XXXX - XXXX ( XXXX XXXX ) since their bank issued the check. Ms. XXXX - XXXX stated the problem was what I had told XXXX the previous day, and that I needed to resolve it with XXXX XXXX XXXX. I then called to speak to XXXX ( XXXXXXXX XXXX XXXXXXXX location ) than went to XXXX XXXX XXXX  XXXX location to request help once more. I emailed the copies of the two checks, and was told she would contact the liaison. I than contacted Ms. XXXX XXXX - XXXX for a copy of the reversal, and was told it wasn't available because it part of a dispute. As of today the reversal was an electronic transaction between XXXX XXXX and the ACH.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I own only 1 credit card which I completely paid off in XX/XX/XXXX, and have not used card since. On XX/XX/XXXX, my FICO score on Experian increased to XXXX. On XX/XX/XXXX, my score decreased to XXXX due to short credit history. The citing of " Short credit history '' has never been cited before on my Experian account until I paid off my card. Oddly, the moment my score increased to XXXX, Experian began urging me to sign of for Experian Boost. After my score decreased to XXXX, Experian again urged me to sign up for Boost. I believe Experian artificially decrease my score so that I would sign up for their Boost service by linking my bank account, which I do not feel comfortable doing. I believe his is fraud. My car loan is always current and I have absolutely no collections or late payment. My credit to income ratio is low.

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 2019-04-03
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid in Full with the original company still reported on my credit with XXXX  original creditor was Paid In Full XXXX ... 

INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Account Details Account Details Payment Status Account Number # XXXX Name EOS CCA XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$160.00} Original Amount {$160.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Client Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Failure to Validate Debt XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX XX/XX/2021 After reviewing your response, which is attached, I saw what looks like a bank statement that was sent from your company as an attempt to validate this alleged debt. A bank statement in no way shows any originality nor proof of this alleged debt which means it does not validate that this alleged debt is mine, as your company assumes. Those alleged charges could have been made by anyone, therefore it does not prove nor validate anything. Pursuant to 15 USC 1692g an assumption by any debt collector is not validation. Since your company, Client Services, has failed to provide any of the documents that was requested in my original letter, except a bank statement, to prove and validate that the alleged debt is mine, in which your company assumes. As a consumer, I do not give you consent to contact me again unless it is notifying me of the deletion of any and all references of this alleged account and the removal of this account from my credit file. 


Best Regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
State: OH
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've been disputing my Equifax for a year now with proof of ftc and police reports. They won't fix my credit score or take off derogatory accounts They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX   -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries are not mine but XXXX XXXX XXXX and XXXX XXXX XXXX my XXXX truck payment they have 3 late payment 's when there are 0.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: EQUIFAX, 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:
I have two collection accounts in my Equifax credit file which I have disputed five times with Equifax. The same collection accounts I have disputed with XXXX and XXXX XXXX and after investigation these two bureaus blocked the two fraudulent collection accounts from my credit file. But Equifax did not and Equifax advised me for five times that the collection company verified that the two collection accounts belong to me. I have contacted the collection company and it advised they have requested from all three major credit reporting agencies to remove the two collection accounts due to identity theft. But Equifax still reporting them in my credit file by damaging my true credit worthiness. 
Equifax is the worst company ever ... I don't have any other method to fight with Equifax to get fraud accounts to be removed from my file. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I terminated my services with XXXX XXXX XXXX on XX/XX/XXXX and I owed them {$370.00}. They continued to charge me and send me a bill for XX/XX/XXXX and XX/XX/XXXX and when I contacted them and told them I terminated my services on XX/XX/XXXX they said sorry XXXX XXXX you are correct we will straighten the final bill out. But they didn't they kept sending me a bill for XXXX.After that they send it to a collection agency and I tell them that's the wrong amount and dispute it in writing But XXXX XXXX XXXX   comes back with the same amount. So I contact XXXX XXXX XXXX by phone twice the last time being XX/XX/XXXX and I talked to XXXX and she said the correct amount was {$370.00} and that she would talk to her manager and get her to sign off on the right amount and send it in the mail to me. They never sent the paper work, I've disputed this bill twice and with no resolve. I tell the collectors I agree to pay what I owe but not when it's the wrong amount and each time I dispute the claim the company don't respond back to me within 30 days. I feel this should be removed off my credit report because they are not reporting the true amount and not responding like the should. I have no trouble paying the correct amount when they give it to me in writing but I truly believe it also should be removed from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I bought a XXXX plain ticket from XXXX they agreed to give the money back but issued it to a closed account I tried to explain this to BOA multiple times and they never excepted documents or tried to help me at all. I need my money back

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 2017-12-03
Company: EQUIFAX, INC.
State: LA
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 contacted Equifax and XXXX during the week of XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from my credit monitoring service advising me that a new collection from commonwealth financial systems inc was on my reports. After reviewing my reports, I sent correspondence to Commonwealth Financial Systems Inc requesting validation of this debt since I dont have any outstanding medical bills that I know of. I requested the name of the alleged provider I owe as well as a detailed breakdown of the alleged charges. I also requested a copy of the signed medical release that shows I released my medical information to Commonwealth Financial Systems Inc on this alleged debt. Today I received a response from Commonwealth Financial Systems Inc dated XX/XX/2018 stating that their company is fully compliant with HIPAA requirements concerning privacy of medical records. There is no validation of the alleged debt. The name that the letter is addressed to is incorrect. I believe this company is attempting to take advantage of me and collect funds from me on a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: TX
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 disputed the late payments for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.

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 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, we deposited a check, written on Bank of America, from our insurer, for hurricane Irma damage. We were told, since this was a Bank of America check, that it would clear in 24 hours. So, we opened an account with Bank of America and deposited the check. We looked online and found a notice that it was being frozen for 48 hours, until XXXX XXXX XX/XX/XXXX. We called their toll-free number on the XX/XX/XXXX and were assured it would clear on theXX/XX/XXXX. On XX/XX/XXXX, we went to the bank since we needed the funds ASAP to prevent further damage. They said they couldn't release the funds. Then, we looked online and it said we would not receive the funds until XX/XX/XXXX at XXXX XXXX. This is endangering our property by withholding these funds. The message online said we should call the company who gave us the check. We called XXXX XXXX who said it showed as clearing their account on XX/XX/XXXX. We went back to the bank on XX/XX/XXXX and they said the funds were not available but they would absolutely be available at XXXX XXXX on the XX/XX/XXXX. It is now the XX/XX/XXXX at XXXX XXXX Eastern and the funds are not available. The person at the bank said they may be available tomorrow but they were holding them for fraud concerns. We are approaching hurricane season again and our roof could not withstand another storm.

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 2019-04-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have two mortgage accounts with Wells Fargo Home Mortgage. The first account was opened in XXXX, refinanced in XXXX and is still active today. This is a FHA account with a 3.875 % interest rate. The second account ( primary residence ) was opened in XXXX and is a conventional loan with an interest rate of 4.25 %, with a 20 % down payment. I suspect that Wells Fargo has discriminated against me based on my race. I contacted Wells Fargo ( case # XXXX ) and requested they determine if my interest rates are higher than a non minority consumer with the same financial and credit profile as myself. I have not received a response from this request.

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 2020-06-04
Company: GOLDMAN SACHS BANK USA
State: GA
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:
Dear Consumer Financial Protection Bureau, CFPB : I AM NOT GOING TO STOP COMPLAINING BECAUSE APPLECARD CONTINUES TO ANNOY, HARASS, AND INTIMIDATE ME BY SENDING ME EMAILS FALSELY ALLEGING I OWE THEM MONEY WHEN I DON'T. AGAIN AND STILL, Goldman Sachs/Marcus OWES ME {$500.00} AND XXXX   XXXX  OWES ME {$3200.00}. Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly advised XXXX XXXX XXXX that I do not owe this debt. Yet they refuse to remove. I sent a copy of an nFTC I'D theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: KY
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:
Unrecognized Inquiries XXXX XXXX XX/XX/19 On XXXX and XXXX and Experian XXXX XX/XX/19 On XXXX and XXXX   and Experian XXXX XXXX XXXX XX/XX/19 on all 3 bureaus

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 2019-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to unfreeze my credit report temporary to get approval on a new car loan. The online website and phone number is not allowing me to get the freeze lifted. The credit bureau is EQUIFAX. I have called 6 times and just put on hold they offer to press 1 and get a call back but it doesn't work only hang ups. The online says they can't pull up the information and try later I did this 5 times! Please Please help me my car is down I desperately need a new car!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieve multiple phone calls in a single day from Ally Financial about a past due car payment. They call many many times and use different numbers when doing it. On XX/XX/2019 they called a total of 5 times in the span of 30 minutes ( 4 times back to back ) from number 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