BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint regarding an account that is listed on my credit report. While I was incarcerated, an account was opened in my name. I provided XXXX XXXX with documentation showing that I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. The XXXX Credit Card was opened in XX/XX/XXXX, seven months after I was incarcerated. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of incarceration that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has failed to provide enough information to support validation of debt requested by me the consumer. Attached is the most recent letter they sent me, PLEASE READ THE LETTER CAREFULLY AND URGENTLY THANK YOU!!

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 2018-12-31
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: Information belongs to someone else

Complaint:
Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: CITIBANK, N.A.
State: NJ
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:
In XXXX of XXXX I noticed two fraudulent charges on my Citibank Visa card by a company called XXXX XXXX. The charges were made on XX/XX/XXXX for the amount of {$2400.00} and XX/XX/XXXX for {$2400.00}. 

The following month ( XXXX ) there were two more charges : one on XX/XX/XXXX for {$1400.00} and another on XX/XX/XXXX for {$1400.00}. 

When I initially disputed these charges in XXXX I was told there would be an investigation of the disputed charges, and soon after I received an email that the dispute was corrected and the charges were rectified. 

In XXXX these charges seemed to be resolved and I was issued a credit for them by Citibank. 

In XXXX there were two more charges in the amounts of {$2400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX, these charges were categorized as " Reverse " from XXXX XXXX. I immediately contacted Citibank and they very rudely explained that I had been credited twice once by XXXX and again by Citibank Visa and that is why I was being charged again. I have no dealings with XXXX and never received credit from them, maybe Citibank was credited but I was not. This explanation was explained rudely and condescendingly by a woman named XXXX and a man named XXXX in Customer Service. After what seemed like hours I was directed to the fraud department where I requested an audit of my account. I was told someone would be contacting me soon to let me know my current balance. As of today, I have not been contacted by anyone in the fraud office.When I went online to view my current statement there was another " reverse '' charge to my account. 

I was not credited by XXXX and these charges should be permanently removed. I now have a substantial bill and have been rudely dismissed by XXXX, XXXX, XXXX and other Citibank representatives. My feeling is that if a merchant has billed someone in error, the fraudulent charges in dispute should not be my concern, the resolution should be Citibank 's. My concern is I don't want these charges on my card and I don't want my credit disrupted by incompetence and fraud. 

Please tell me how I can correct this situation and not pay any interest or fees relating to this dispute.

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 2021-03-28
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I got a letter from Jefferson Capitol about XXXX XXXX  that said I owe them XXXX .... The letter was addressed to my old married name which I have been divorced 20 years and got my maiden name back and not gone by anything but my maiden name most of my adult life ... I have not even had a XXXX XXXX  account ever in my adult life to my knowledge. I had a savings as a child 25 years ago with my grandma and thats all I ever had there ... I think this is a scam company or something because this isnt mine and if it is I was a child ... Im XXXX now ... I got divorced at XXXX, Im unclear how they would even know that name, but XXXX hasnt been my last name in over 20 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 : {$390.00} was sent to Zelle account under XXXX XXXX. I had reached out to an individual on XXXX to buy concert tickets. After the money was sent I was expecting to receive the tickets, but the individual sent that they needed more money to transfer the tickets into my name. I declined and asked them to send me the money back and requested via Zelle to which I have not received anything back. Zelle has no feature in order to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX appearing on all three credit bureaus. 

Was disputed and updated on XXXX on XX/XX/2020, the other two bureaus soon followed with the reinvestigations returned as " paid charge off '', " {$0.00} amount owed ''. Now XXXX is trying to collect for approximately {$700.00} by phone. Have received no billing statements or other type of communication by mail. I wish for this closed account to be deleted from from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home in XXXX XXXX Florida was declared a disaster area after Hurricane Irma. As such I was able to take a 90 day forbearance and was explicitly told by the lender, Ditech, that I would have no negative marks made against my credit. During the forbearance I sold the home and the mortgage was paid off in its entirety on XX/XX/2018. I entered into contract on a new home purchase today and when my credit was examine my score had dropped from XXXX to XXXX. The very same day I went under contract Ditech reported I was 90 days delinquent on the account. I am now unable to find the loan due to the huge impact their mistake had on my credit. PLEASE HELP!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am out of a job due to the pandemic that the whole United States us under I explain this to Bridgecrest. I am on unemployment and I am one car payment at this time. Bridgecrest has sent me a default letter for this one month. I was always under the impression that you had to be three months before you default on a loan. I paid Bridgecrest {$980.00} on XX/XX/2020. I am trying my best to make ends meet but this company has no consideration for what people like me is going through. I am going through something that is no fault of my own. Before this pandemic happen I was paying my car payment and on time. Bridgecrest has report to the credit bureau that I was thirty days late which took my credit score down very low. This company is trying to destroy me and I am already experiencing enough without them making things worse. They need to be more considerate because I am doing the best that I can. They also sent me a letter pretending it was certified I didnt sign for this letter but the envelope says certified. I feel like they are harassing me and stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Legacy Credits
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Company said they will remove all the negative info from my credit report and charged me $ 1000s but did not provide me with any update or improvement in credit score.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Credits were issued to my Capital one Account ending in XXXX today, XX/XX/XXXX. These credits are provisional, related to dispute case ID XXXX. The credits total an amount of XXXX which includes adjusted interest. These credits are for two purchases made on XXXX, shipped in XX/XX/XXXX which never arrived and is past 60 day time frame to file claim with USPS. Merchant refuses to do anything. Due to status of my account, which is closed or pending closure, I am unable to make any type of withdrawal. The dept handling account works off a voicemail and does not return calls, I know this from past experience. I understand the credits are provisional, the dispute is still on going, there are two additional merchants under this claim, XXXX and XXXX ... .These purchases are fraud, someone hacked into my XXXX account or obtained password, made a purchase on it. The item from XXXX is something I have no information about, I was referred to bank by both merchants to file claim for fraud. XXXX will not cooperate, their tracking info shows items delivered/left in a parcel locker which I do not have one at my address. Once this claim is finalized, I need funds sent to my XXXX account which was or is linked up as an external account or a check mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This account was removed from XXXX. Transunion and XXXX have not removed the account, although validation has not been done. There is no possible way they validated when XXXX  received the same information and could not validate which resulted in the account being removed.

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 2020-12-08
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for loan modification for a coarse of 3 years, and every time denied for the same reason. As a result I filed for bankruptcy protection to save the home. On all accounts the response was denial due to 80 % loan to value, which is false. I live in a very popular part of the country where an influx of people are moving from all over the USA and world, in saying this my equity continues to climb, being that Ive owned the home since XXXX. I got behind in XXXX due to a XXXX XXXX, divorce, and loss of job bam all together. I have paid back all except {$13000.00} and wanted to roll the rest into the home in a conventional loan. Last week I called as well as today, to follow up on a second review for a modification, and they didnt have my contact number, the number they had was from XXXX. I was also told by the representative that I needed to contact the investors and they had received my information. Im concerned during Covid Im going to be in the street. I have been working consistently for 3 years and continue to excel as well my son came home and is dedicated to help as well and committed his income but to no avail. Im desperate in saving my family home. Its not a huge home but its mine. Who would rent to me with a bankruptcy never mind that A due to growth theres nothing to rent and B you guessed everything is expensive if you can get it. 

Grateful for your time Best 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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-08-13
Company: Harley Davidson Financial Services Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harley Davidson financial has called me, sent me letters, and come to my house, when I do not owe them any money, and I have never had any financial arrangement or loan with Harley Davidson ever. The person who owes the money has not lived in my house for more than two years. I need them to stop calling me two times every day, sending letters to my home that are not addressed to me, and to stop sending debt collectors to my home! I have asked them at least 50 times not to bother me again. The most recent call was today from XXXX, Harley Davidson financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just received a call from XXXX  that my information was being used to open up credit cards, then i checked on my XXXX XXXX   account, its shows two different synchronybank/walmart and synchrony/ppextr. So i called synchrony bank they handled the walmart credit card very well and they removed the fraud accouny that was being opened under my name, but the thing is they told me they didnt know PPEXTR which shows its under their bank too. I would like to remove this since this is 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 non-monetary relief
Consumer complaint received 2020-12-08
Company: SYNCHRONY FINANCIAL
State: NY
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:
Synchrony Bank closed my account and refused to provide the reason. I don't carry a balance on this account and didn't use the card for sometime. Was it closed due to inactivity?

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 2023-02-06
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accounts on my Experian XXXX and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXX XX/XX/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 2021-03-28
Company: Lewis & Clark Capital LLC
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 reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorized the inquiry. I am a victim identity theft fraud, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Consumer Adjustment is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Consumer Adjustment can not provide any proof that I entered any legal contract with them to attempt to collect an alleged debt. Consumer Adjustment has directly violated my rights under FDCPA 15 USC 1692g, and 15 USC 1692f. I have sent Consumer Adjustment letters letting them know that I am requesting them to Cease and Desist from these collection attempts and that I am well within my rights to sue for all violations according to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Franklin Collection Service, 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 status incorrect

Complaint:
Franklin Collection Services Inc., added an account to all 3 credit bureau agency 's reflecting that I owe {$310.00} to XXXX XXXX XXXX XXXX. I transferred my service to XXXX XXXX   in 2017 with is a subsidiary company, XXXX XXXX XXXX XXXX I called a XXXX XXXX XXXX discussed my bill with them and told them I was unaware I had bill because I'd never received a bill in the mail. XXXX XXXX XXXX corrected my bill and I paid XXXX XXXX XXXX {$280.00} to themXXXX XXXX XXXX XXXX   also informed me that in 15 days, they would report my account as paid and Franklin Collection would remove their account from my report since they collected the debt. I called Franklin Collection Services to let them know, they need to delete/remove the debt from my report, because I don't owe them anything. I spoke to XXXX with Franklin Collection Services, and she advised me they will only update it as paid. I told her no, this needs to be removed because I did not owe Franklin Collection Services, I owed XXXX XXXX XXXX  and I paid them and that they are reporting false information on my credit report. This has hurt my credit score, and I'm in the midst of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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