BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  has ruined why credit profile, they are reporting this on my credit as though I owe them. I dont owe this account. I am a victim of fraud as well id.identiy.  They keep telling me that they have removed it off my XXXX report however as of XX/XX/2018, It is still being reported and Im being denied credit based upon this account showing as collection,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: S&S Physician 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:
I have contacted Harvest Associates to inform them that they are reporting an inaccurate medical collection on my credit file. I also believe that any company that has given Harvest Associates any information concerning any medical information about me is in complete violation of HIPPA and so is Harvest Associates because I have never given any company permission to share my medical information. Not only that I am a victim of identity theft and do believe that this account is a I direct result of such. I have never done business with Harvest Associates and have never had any obligation that suggest I owe any monies to Harvest or any company that they represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CARD Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I got my fiance 's direct deposit into my account and so card.com said they were closing my account and returning the money to the issuing bank ... It's been about two weeks now ... just wondering when they was gon na close it and return it I've sent several emails thanks for ur time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was in a car accident dated XX/XX/XXXXand I was falsely accused at fault. I had no support system at the time and I was very young. Anyways, I told the police officer my side of the story, and he cited me a ticket, even though I was the last person he talked too. The person who was actually at fault was the one who stopped in the middle of the bridge, with no hazard lights on while traffic on the opposite side of her was still in motion. My insurance company dropped me, and they did n't pay for no property damages, and no liability damages. ( Please note at that time : liability insurance was not required by the state of Florida ) So the driver that stopped in the middle of the bridge ends up suiting each vehicle that was involved in the accident, it was 4 vehicles total that was involved. So I get a letter from a debt collection agency saying that I owe them XXXX. Little did I know, at that time, I actually did n't owe them a debt, because I never had an account with them. But they are making me sign a contract stating that I owe XXXX and I could settle for {$4500.00}. So I took the settlement for {$4500.00}. I paid them onXX/XX/XXXX, and the next day, I was a victim of ID Theft. So I called them and told them what happened, and now they tell me I owe XXXX all because I did n't pay them as agreed, which I did pay them. I got a letter from on XX/XX/XXXXstating they are going to have my license and registration privileges revoked if I do n't pay the debt that I owe them. Which I do n't owe them anything, because I never had an account with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has sent me an incorrect form regarding the VOD- per a prior statement on another complaint they indicated the name of the provider is at the top of the sheet- however it is not. Therefore the document provided has nothing to do with the alleged debt and is not applicable to this. You can not send another providers information claiming it is applicable- clear violation. Since the company is unable to provide further documentation this needs to be off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies

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 2020-11-19
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I initiated a transaction to send money ( {$50000.00} ) to my account back home in XXXX using Western Union online services ( XXXX : XXXX ). I have been following up with the representatives since then and have provided all the required information from my end. Now, after 15 days they have cancelled the transaction with out proving any reason for it. I have been on call with their representative for more than 15 hours in total during this time. 

Today I requested them to redo my transactions on the same rate as in XX/XX/2020, bu they said it can not be done and I will have to start a new transaction. Doing so with current exchange rate I will be losing more than XXXX XXXX 

This transaction has been no less than a metal harassment. 

I would like to raise a complain to ensure that no one else has to go thorough the same thing in future. 

Thanking you in advance! 


Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX  XXXX   XXXX {$660.00} XXXX  XXXX  XXXX {$1200.00}

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 2018-07-05
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never missed nor have I ever been late on a mortgage payment to Selene Finance. I stopped receiving statements from the company in XX/XX/2018. I want concerned at that time, as mail delivery in my area is spotty at best. I had no reason to suspect anything being wrong and continued making my mortgage payments as usual. My payment was {$670.00} a month and i continued to pay {$700.00} a month as I am in the habit of paying additional to lower my principal. I received a letter regarding bankruptcy rights XX/XX/2018, and tried to log into my account on line. I kept getting a message that no account associated with my information could be found. I then called and was told that no one could talk with me about my account since I'm being represented by an attorney. I tried to explain to them that I am Not being represented by an attorney as and was then told I would need to call back and talk with the bankruptcy department. I called the next day and was on hold for nearly two and a half hours. When someone finally answered, I was told the office closes at 4. I called the next day and again was on hold for two hours only to get a recording to call back during regular business hours. The following day I received an email from an attorney with a letter of intent for accelerate. I then sent a letter to Selene along with bank statements showing all payments clearing my bank on time and in full. I do not know if my payments have changed due to escrow, but I have paid an additional amount for the last three months to cover this. I am still unable to actually talk to a person and I have had no response to my letter or payment statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2017 I went to a local car dealership with hopes to purchase a car. I informed the company to only run my credit with one company. After I checked my credit report recently it appears that the car dealership ran my credit through multiple companies. The multiple hard inquiries have significantly hurt my credit.

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... nothing about this account is ACCURATE! It is affecting my ability to borrow money.

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 2022-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a 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 explanation
Consumer complaint received 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
On XX/XX/XXXX I received a late pay with capital one credit card i contacted capital one XX/XX/XXXX because this was still showing on my XXXX  credit report and per my research this late pay should fall off after 2 years. The representative stated that this would fall off automatically, but at this time it still shows on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Citi account number XXXX On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXXn to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
XXXX has refused to delete Citi account number XXXX. Each time Citi receives a request from Citi they send Citi a request to verify whether the account is accurate. Because Citi continues to verify the account as accurate XXXX   continues to report the account. This round and round has occurred after each of the 5 Citi requests to delete the account. This has no doubt occurred because of the E-Oscar automated system.

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 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have tried to resolve this issue many times with TransUnion in which they have inaccurate data reporting on my credit file. They even have my name listed as XXXX XXXX the XXXX I have never been the XXXX ( second ) what woman has ever been. This has got to stop. Please help

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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate

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 2021-01-21
Company: EQUIFAX, INC.
State: MI
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:
Checking my credit and I notice this account thats not my mines reporting on my stuff man and from what Im hearing As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately.. 

Deptednelnet XXXX Deptednelnet XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency named ERC claims I owe {$5700.00} to XXXX, and they have added that to my credit report as well. 

I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. 

I believe that ERC is trying to charge me for an account that is not mine, either mistakenly or fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: SYNCHRONY FINANCIAL
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:
Date:XX/XX/2020 Amazon Store Credit Card ( Synchrony Bank ) Store Mattress Firm Matress damaged & Bad quality DeliveredXX/XX/20 & Next day XX/XX/2020 disputed to Credit card Co.Amount is {$270.00}

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 monetary relief
Consumer complaint received 2021-02-08
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions 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've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. 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 explanation
Consumer complaint received 2018-02-18
Company: Experian Information Solutions Inc.
State: TN
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:
These companies are reporting 30 day lates on my credit 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
Consumer complaint received 2018-09-25
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Letter was sent to collection agency and received XX/XX/2018 per their stamp on my letter. 
Letter asked for them to validate the debt information I pulled from my credit report. I never received notification of this debt from the collection agency. 
Their reply advised me, they searched their database and are unable to determine if I have an account in their office with the information I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this account for a while it does not belong to me. It has affected my ability to properly care for myself and my family. Please remove this account. I have attached my identity theft report below.

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 2018-02-18
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXXXXXX XXXX SENT A LETTER TO ME AND EQUIFAX DEMANDIN G THEY REMOVE ALL XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX XXXX NO.XXXX & XXXX NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good Morning, I am writing you today as an aggrieved man. I filed an unauthorized charge claim with PNC Bank two weeks ago. I still nit have yet received my money back. I was told it would take 1 business day and I still have not received anything back. There were unauthorized charges that I knew nothing about nor consented to. I demand that my money stolen without permission be returned to my account asap!

Company response to consumer: Closed with explanation