BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: TRANSWORLD SYSTEMS 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:
On XX/XX/XXXX I was in the process of getting ready to apply for a small business loan and needed to check all of my credit reports before proceeding. This is when I observed the fraudulent information on my credit reports. This fraudulent information has caused me hardship and prevented me from moving forward with my much needed business loan. I have resided in the Georgia area since XXXX and have absolutely no association with whom ever opened this account up under my name in the state of Texas. I have attached a police report with detailed information obtained on this matter. I am absolutely appalled at how the original company ( XXXX XXXX/XXXX XXXX ) whom this fraudulent account originated from allowed someone to call in, provide them with my name and SSN number over the phone and they opened up an account for this individual ; I was informed by a representative at the company, that is all that is required for them to approve an account. No one did any verification and now I am the one suffering. After the individual did not pay their bill, XXXX XXXX reported this to a company called XXXX XXXX XXXX, who then sold the account to a company called Transworld System Incorporation which is the company that appeared on my credit reports. Please help me in having this fraudulent information removed from my credit reports immediately so that I can proceed with my business loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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: Account information incorrect

Complaint:
Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They sent me a debt -and I responded within the timeframe requesting verification of debt. They did not provide verification and immediately reported this to credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XX/XX/XXXX I had a unpaid ballance of XXXX dollars from a local utility company that I was unaware was unpaid. I called to transfer services to my new address and it was told to me by the representative that I had an unpaid ballance that needed to be paid before services could be transferred. I made the payment that day in full of XXXX dollars plus a XXXX dollar transfer fee totaling XXXX. 
in XX/XX/XXXX I had discovered on my credit report that the amount for XXXX was being reported and have reached out several times to the debt collector and the account holder, providing proof of payment and thus far both companies are refusing to remove this inaccuracy from my credit profile. I have hired credit repair companies and they have also been unsuccessful. I believe that this collector is violating the laws under the fair credit reporting act, & the privacy act, and they have no intention of complying with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have already disputed this amount with XXXX. I was seen on XX/XX/XXXX which was a Saturday. They billed my insurance for {$10000.00} for a in house XXXX  a doctor that had no idea what he was dealing with he was told by me to treat with XXXX he gave me XXXX XXXX. Then XXXX was before knee. He sent me home I returned to ER less then 30 hrs later with XXXX at knee he order another XXXX which was unnecessary and gave me a XXXX XXXX XXXX, XXXX XXXX that did nothing for XXXX. Sent me home and billed my insurance {$16000.00}, then I was XXXX on XX/XX/XXXX cause the XXXX got mid thigh and XXXX XXXX controller doctor came in and started a XXXX  XXXX XXXX   XXXX to fight it. If the doctor what of done his job it could have been stopped the first night but they racked up the bill. I'm willing to take this to court for Mal practice. And until it's resolved with your client I demand you remove these accounts from my credit report or I'll involve cac in any suit that get start. Go head I give you permission for the whole medical report from XX/XX/2018 to the XX/XX/2018. Get  complete itemized statement as well and please send them to me. But I promise before I let you destroy my credit over a bill that should only be about {$2000.00} and the charge XXXX for I will sue everyone one involved. Fill free to contact me by mail I have a new address since visit. To make this easy for you to understand an outside Doctor came in and was paid. The XXXX   was done by XXXX XXXX and was paid. XXXX only provide a doctor the first time and pain medicine. But there billing as if the provided every thing. I am going to get my insurance involved in all this I will get the FTC involved the attorney general involved there frauding the insurance and there getting you opress me through my credit report to pay there's will go to state court I'll take you to federal court under the FDCPA. Please get and review information from your client before you proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My XX/XX/2018 billing period reduced 5 % cash back eligible charges to 1 % because American Express changed the annual tracking period from end of statement date to anniversary of card initiation. However, American Express refused to credit the additional 1 % charges to my required {$6500.00} minimum annual purchase hurdle, thus cheating me out of earned 5 % cash back charges. 

After explaining the problem on XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18 to various American Express customer service employees, I was told that my complaint was accurate but that American Express was not going to credit me the money owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: TN
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 have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Potentially Negative show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXXXXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX   XXXX XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dischargedDispute all ftc violations

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 2017-11-20
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to this company called Professional Debt Mediation, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with a man named XXXX XXXX back in XXXX XXXX 2015. I have spoken with this man over the phone and through email and he has been very unprofessional to me and rude through both phone and email. I have provided them with signed documentation from the apartment complex called XXXX XXXX XXXX XXXX in XXXX, FL, and he still refuses to correct my debt. I have already paid them a little over {$400.00} and I stopped payment until they made their corrected actions. How do you expect to collect a debt from someone when you proceed to be rude and vulgar with them? I have documentation and email communication with this man to prove my case. 

According to Better Business Bureau ( BBB ), this  company has had 104 total complaints since 2015 for billing/collection issues and has a " F '' rating overview. I have been trying to work with them for the past few years to correct the total cost of what is owed and they keep denying my claim, ( even though I am presenting physical evidence ). This is completely unacceptable and is one of the main reasons to cause my credit to fail with a low score. I have sent money to their client directly because I refused to work with them and XXXX told me that their client claims to have never received it. I provided them proof that it was accepted and delivered and the money was basically stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is more than 7 years ago. I have not received any information in regards to this account. I have sent a verification letter and have not received any communication from them. They failed to respond to my 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 2019-05-09
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A {$75.00} collection charge from enhance recovery collection company from XXXX XXXX XXXX was charged to me. This was an account that was in my wife 's name and had nothing to do with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and ALLY FINANCIAL were no successful resolution. XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 2018

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 2018-03-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from  XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

Experian said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY

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 2018-03-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with Experian, XXXX and XXXX the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On the weekend of XX/XX/XXXX money was transferred without my knowledge or consent from my credit card account into my checking account which then was withdrawn. I contacted wellsfargo on XX/XX/XXXX and had to file the claim 3 times because they kept telling me that nothing was reported to them. Then I received a letter from WellsFargo stating that they can't send money from my checking into my credit card because I don't have enough to cover the amount. The reason being is because the money was taken out! They won't remove any of the fees or return any of the money. The amount was close to {$1000.00}

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 2018-03-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A purchase was made using my credit card. The purchase went through as a cash advance and I was charged {$52.00} in cash advance fees. i had previously requested that my cash advance fee be removed/reduced to XXXX. i made this request upon the account being opened. Had the cash advance fee been reduced to XXXX at the time of my request, I would have not incurred this charge. I have tried explaining this to customer service service representatives on several occasions, but to know avail, with the majority of representatives making up false facts about how credit cards work and are used, and avoiding the fact that a request to remove the cash advance feature had previously been requested and was not fulfilled. Furthermore, as I had mentioned to the representatives, there was no way of me knowing that the transaction would be processed as a cash advance, as I did not use my pin and it was simple purchase.

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 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2017, {$300.00} were withdrawn from my business account with Bank of America. I did not withdraw that money. When I logged in to my account I noticed that amount was withdrawn from a XXXX ATM, I called it in. I was asked questions, some of those questions included if I had lend my card to someone or if it was lost, but no I had it with me at all times. They said they would investigate, time passed and they said the investigation concluded that it was me or someone that I knew had withdrawn. I insist that is not the case, something is going on, and they are not cooperating with me. I please would like further investigation on this situation, because I want my XXXX dollars back and plus the XXXX fee I was charged for uncifficient funds on my account because of this withdrawn. Thank you Date of withdrawn : XXXX XXXX, 2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am disputing the closing of my account for no valid reason. I was never late on making payments on time or going over my credit limit. I'm assuming company closed my account because of non usage for a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, 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 made several attempts to verify an account in collections by XXXX XXXX XXXX directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that Equifax is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: P.S.C., Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company called Puget Sound Collections is reporting that I owe them a debt of {$1200.00} and keeps illegally increasing the debt owed on my report every month. The account number being reported to my credit is # XXXX. I have never had any dealings with this company and do not know why they want me to pay them this money. There is no reason for this debt to be on my credit report. I received no written notification that they were placing this debt in collections and I only discovered it was on my credit in recent months. I will also need to understand why they are increasing the balance owed on my credit every month. My XXXX XXXX credit report shows a balance of {$1100.00} and my new XXXX XXXX credit report shows a higher balance of {$1200.00}. Under the FDCA 808 which  governs unfair practices, a debt collector is not allowed to add their own fees or expenses to any amount being collected on. It appears this is what this company is doing in trying to collect this debt and this is completely unacceptable and unethical. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. They appear to be based in XXXX Washington and I have never lived in Washington in my life. I will not give my money to a company that I do not recognize and who will not tell me why they want me to pay 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