BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX  - Acct # XXXX Amt {$17000.00}

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 2018-07-03
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Attached to this complaint is a copy of a police report. I am a victim of identity theft. The following account listed on my Chex Systems Consumer ID Report : XXXX is fraudulent and unauthorized savings/checking account : XXXX XXXX XXXXXXXX Missouri, XXXX XXXX, XXXX XXXX, MO XXXX, RTN : XXXX, Account Ending In : XXXX. I faxed a copy of a police report to Chex Systems on XX/XX/2018 in regards to the fraudulent and unauthorized savings/checking account.

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 2018-07-03
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/18 : Certified letter was mailed to collection reporting agency, and delivered on XX/XX/18. 
The letter is a formal dispute of debt and written validation of debt was requested. 

XX/XX/18 : XXXX XXXX, LVNV funding LLC representative confirmed letter was received and filed on XX/XX/18, documentation was requested. 
Represented stated this account didn't have to be flagged as being disputed. 

To date, none of the credit bureaus have been notified of a debt dispute or investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Revco Management, LLC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Revco the collection agency claims I owe an amount of XXXX I tried to explain I have medicare and medicaid insurance as well as not responsible for any copays. I have spoken with the original creditor as well, and get nowhere. 
I have been with the same medical provider for 5 years now, and have had the same type of insurance the same time. I have never rec eived a bill, and other than this disputed bill, I have never received a bill. 
I received a response to my original response still claiming I owe the debt. 
So, now I am filing a complaint against the collection agency. 

My name XXXX XXXX XXXX XX/XX/1966 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account BANK OF AMERICA in the amount of {$3500.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX  is not responding to my correspondence.

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 2018-07-03
Company: Perfection Collection
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to explain to this company that my info was used by my deceased father to attain this some type of security system that was apparently put in. We have the same name and my father had bankruptcy and could not do much so I guess used my info somehow and attained this. But nothing has been done to help me with this and it has damaged my credit and caused me stress that I did not and do not deserve. I have no documentation to prove this but IT IS THE TRUTH!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Incorrectly charged bank fees, unable to get business loan with good credit score due to discrimination.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXXate of inquiry XX/XX/XXXXXX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2018-07-03
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: Information belongs to someone else

Complaint:
this information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid

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 2019-08-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hsbc bank is trying to collect funds I do not owe them, in XX/XX/2018 I had a balance of {$3800.00}, I went online to make payment in full, I noticed that I set up the payment for XX/XX/XXXX which was my due date, that was a mistake as I wanted payment for XX/XX/XXXX, I went and looked at transaction history and the previous payment didnt show, so I went and made the payment for XX/XX/XXXX, this payment cleared my bank on XX/XX/XXXX, my account then had a XXXX balance, then I found on XX/XX/XXXX Hbsc sent an ach to my bank for {$3800.00} when I had a XXXX balance, this was rejected by my bank for insufficient funds, I called HBSC about this and spent near an hour on the phone because now my credit card showed a credit balance of - {$3800.00}, when I called they said well we can send you a check for the credit amount, I told them no do not do that because you never got that money from my bank, she said well it shows up here, I said youre not going to get the money, they said then call back after that showed on my account, I waited then I received a check for {$3800.00} in the mail, I called them again and told them what had happened and that they had then charged me a {$25.00} returned check fee and sent me a check, after another almost hour on phone this was supposed to all cleared up and they reversed the {$25.00} returned check fee, I also told them to cancel the credit card, so I shredded the check they had sent, shredded the credit card, then on XX/XX/XXXX I  received a statement from HSBC, I did not have my log in so I ignored it, mind you I have not received a statement since XX/XX/XXXX, XXXX I started getting unknown XXXX calls and found out it was Hsbc, I called back and they said they were attempting to collect a debt and I owed them {$3800.00}, I told them this was supposed to be cleared and I shredded the check they sent and advised as to what happened, now they refuse to clear my account and the girl said they may have to send me another check and I would need to cash it and pay them again, I am in fear they send another check then they will say I owe them over 7000, I told them you are a bank, can you not see I never cashed the check and they should just put a stop pay on it and this would be cleared up, I dont know what more I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit adjusters never sent me a dunning letter they just put this account on my credit report.I do not have a contract with national credit adjusters and they is reporting on my experian credit report. 
Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that national credit adjusters prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount national credit adjusters claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020, A past employee, XXXX XXXX, deposited his paycheck from my business, using mobile banking. The same day, XXXX XXXX went to a check cashing store and cashed the check. When XXXX XXXX XXXX XXXX presented the check for deposit, it was denied. 
XXXX XXXX XXXX XXXX has been sending me letters and copies of statues on commercial codes, that I am responsible to make the check good, plus fees. 
I have denied their claim, stating that XXXX XXXX, the original bearer of the check, who first came into possession of the check, deposited the his original check. 
I have sent XXXX XXXX XXXX XXXX banking contact information for means to resolve their issue, but they still pursue me. I made a recorded and written statements for them not to call me or send letters for mean of collection, but they still do. 
I am advised by my bank that if XXXX XXXX XXXX XXXX had done their due diligence at the time of the transaction, their check verify, would have denied the approval. Per XXXX XXXX, CA, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX has all the copies of letters, emails & checks. 
AFTER this is reviewed, if needed, I will be happy to forward copies of correspondence & attachments. 
I want them to stop trying to collect on a debt I, my business, does not owe. 
And I want a letter that they resend their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield called me a few months ago regarding an apartment i had taken my name off of they told me there were trying to collect the dept from Villages of XXXX in Ohio. I told them my name was supposed to be taken off the apartment so I'm not liable for the dept. They continued to call me 3-7 times a day for almost a month. I told them to stop contacting me they proceeded to send me emails trying to collect the dept. the newest email they sent i noticed they were trying to collect interest on the dept but when i logged into the actual apartment complex payment site they are not asking for interest. i contacted Hunter Warfield to inform them my name was supposed to have been taken off the apartment i had paperwork to prove it and they were also trying to collect the wrong amount. The person i spoke to at hunter Warfield pretty much told me they can collect the interest even know the apartment complex is not asking for interest. I again Told them to stop contacting me they since called 4 times ( in 2 days ) and have threatened legal action of a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts. Please remove them. 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 2020-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2020, A charge-Off placed by XXXX/XXXX  was Disputed and removed from my XXXX XXXX credit report. Unfortunately, Experian and XXXX  are still showing this charge-off on their reports.

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 2018-03-11
Company: Experian Information Solutions Inc.
State: MI
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 previously filed a dispute with Experian concerning an account that is being reported by XXXX XXXX XXXX. I asked Experian to delete the information being reported as it is being reported inaccurately. I don't dispute the fact that this was an account that I was responsible for, because I was. This account was charged off and sold with a company that I have been paying over the last few years. My concern is that the information reported with Experian as inaccurate. Upon receiving the results from Experian on report number XXXX dated XX/XX/XXXX, I contacted them by phone. I was advised that the information was verified. I am challenging the verification of the accuracy of the information being reported. I do not believe that Experian is doing its due diligence when verifying information that is being reported. I am including 2 different reports of which XXXX is the creditor. On the report from XX/XX/XXXX from Equifax, they reported that my last payment was XX/XX/XXXX, however, the Experian report shows payment was made in XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX both deleted this account from my credit report. I know that is not a reason for Experian to delete but the fact that incorrect information is being reported should be. I look forward to your response of this complaint.

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 2020-11-18
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Disputed multiple transactions to Goldman Sachs and they didnt even take a look at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated, unwanted, and unwarranted calls from XXXX which is some sort of debt collection agency. Calls occur even though there is no known collection or judgment against me or anyone at my number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They store credit card information for future payments. However, you can not manage your credit cards to add or remove them. They have been unresponsive to my request to remove them so that I can add new payment methods as some of my credit cards have expired. I have submitted the request via their website form and through the chat, multiple times. Now, my account is delinquent and past due and has affected my credit rating.

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 2018-07-31
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to get my account either unfrozen or closed with a check mailed out or have the eft transfer sent back to the bank it came from since XX/XX/2018. I initiated a electronic transfer from my wife 's bank account with her permission and her physically next to me when i did it. we did the transfer because i have a different account and we where waiting for her new debit card and we needed to pay bills. My bank Simple Bank who's owned by BBVA COMPASS started the account verification process to make sure it wasn't fraudulent and that permission was granted. They do this by making two small deposits that are under a dollar each and then i would have to verify the two amounts. This process is supposed to verify at least two things The identity of the other account and to make sure it gets verified. I verified the two amounts and was allowed to initiate a electronic transfer. Simple Bank transferred the money as soon as the money was deposited into my account they froze my account. I asked them why they froze my account and they told me it is because they need to verify the external account. I was confused because they were supposed to verify the external account before allowing me to transfer money. at least that is what i understood by their so called " external account verification process '' which is supposed to take 3-5 business days to do before allowing and transfers. They wanted two bank statements of the external account, a copy of my social security card and a picture of my license or ID. I have two poroblems with that, first i don't feel comfortable sending vital documents over an email secured or not. Two, I can't get the bank statements or anything from the other account because that bank closed the account due to unrelated reasons. I asked them to send the money back to the external account but they claim they aren't allowed to do that. I asked them to close the account and send a check to me, they claim they can't do that either and they refuse to unfreeze the account unless ALL of the requested documents are sent. My wife and I, Need that money back to pay bills we are behind on now because of this. I know they have the authority to close any account at any time for security resons. I dont care if they do that as long as i get all of my money back {$2500.00} to be exact. That was the amount of the transfer. The total available balance in the account is {$2500.00}. I need to recover that money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
NFCU ( Navy Federal Credit Union ) requested eligibility information after my account had been opened for 3 months. When I attempted to give them the requested info, it was unacceptable. I was told that my accounts would be closed, however they were not but my credit card was blocked so that I could not use it even though it was not delinquent. I requested for a dispute to be filed 7 times, my request were ignored. I attempted to make a payment on my credit card in XXXX that was accepted initially and then returned because Navy Federal processed my payment through a closed bank account that should have been deleted from their system. I attempted another payment on my account that was processed as a check even though it should have been processed as an ACH transaction. Even though I was told my accounts was going to be closed because my eligibility, they did not close my accounts but when I requested for my account to be closed I was told that it would not be closed until the credit card was paid off. I have been in constant contact with NFCU to resolve this issue and the only thing they are interested in Is payments on the card. NOTHING ELSE! .My credit is destroyed because of this and they don't care. I really feel that I've been profiled and discriminated against. Beware, this could be you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation