BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is with Franklin collection service inc from XXXX, ms referencing account XXXX I did not engage in business with this company XXXX XXXX. I did not do business nor agree to do business with them. The debt is in in the name of XXXX XXXX. This is XXXX XXXX debt. 

I attempted to explain this to both XXXX and Franklin collection service and they stated they wont change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern, I am writing in regards to my late payments on my credit report from dates XX/XX/15-XX/XX/15 for my SYNCB/WALMART account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payments because it was my first year away at college. I was waiting on financial aid to come through. Now unfortunately there was an issue with receiving my aid which was not received until much later because of that I was forced to live off my small savings that I accumulated from working the summer prior. Since then, the debt has been paid off and satisfied by the creditors. I did not at the time have a real comprehension of how credit cards worked and I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. Since these mistakes I have a perfect record of on-time payments.

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 2020-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2018-09-02
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2018 wells fargo hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at wells fargo I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.

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 2018-09-02
Company: EQUIFAX, INC.
State: MA
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:
1. THE AMOUNT OF MY STUDENT LOAN IS INCORRECT 2. THE ACCOUNT IS BEING REPORTED MULTIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Wells Fargo Deposit Account has been opened under my name. account ending number are XXXX non of the accounts I have with Wells Fargo end in that number. the account was discovered by XXXX XXXX XXXX ( XXXX ). I want to end mu business with Wells Fargo but before I need to Fix this. also I want all fees charge because of that account, returned to me. any advice?

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 2020-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fifth third bank committed fraud, I have filed a FTC identity theft report, this bank did the same as XXXX XXXX by opening accounts in my name with out my permission I called fifth third bank and I got talk to very badly and treated with unprofessionally, I was transferred constantly they is didnt want of hear about my issue, Ive already had to sue XXXX XXXX several times and succeeded with winning both cases, my identity has been used in the past, Ive had problems with identity theft, this bank is just that bad this account needs to be taking off XXXX  or Im filing a complaint with the attorney general here in ga

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Innovate Managed Holdings, LLC
State: SC
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 recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. The following XXXX  aka XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to fail a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2019-05-19
Company: National Collection Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sent a registered letter to the company years ago, telling them, as per Colorado state law, that any further communication with me is to be made via mail. Now they are calling and e-mailing me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXX I went to draw out 700.00 to pay my son 's rent. I am his Rep Payee for Social Security. I received an atm receipt which said it was unable to give me money. I am attaching a copy. I called the 800 number and went to XXXX XXXX the next day. They said to contact Direct Express. Each time I call Direct Express I am either on hold for over an hour and then the phone hangs up, or I get a recording saying they are experiencing extremely high call volume and the phone hangs up. I got to person one time and explained the problem, AND THEY HUNG UP! I called Social Security and got no answers. I went to the SS office and they gave me a number for fraud prevention for Commercia  Bank who issues the card. I called and after holding nearly an hour, I spoke to someone who merely transferred me to Direct Express! Of course, I got the recording and then the phone hung up. I ne ver got the money and it is not in his account. I need help to get this back. I am retired and on  limited income, I did not pay my bills to cover this rent for my XXXX son. I do not think it should be this hard to reach a company that handles government benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX while banking with Chime I was the victim of fraud. A hacker posing to be with XXXX and claiming to fix my unauthorized charges. The hacker ended up withdrawing {$800.00} from my bank account through Chime. I immediately contacted a Woman from Chime Member Services to tell her what happened. She told me to fill out Customer Affidavit of Erroneous Transfer and fax it back to the claims department. I did so right away, I also included the phone number of the hacker as well as my account details showing where he took the money out put it back in and then removed the money. After a week I hadn't heard back from Chime so I contacted them through messaging through my bank app. I received a response that it was being reviewed and I would be contacted within 10 business days. On XX/XX/XXXX Chime closed my account without any further communication.I reached out to them by phone and my call went to a voice recording stating my phone number was associated with a closed account. I could not access my app. So I reached out this time through email asking why my account was suddenly closed 14 days after the fraud incident with no communication. Also on XX/XX/XXXX my only form of income my NYS unemployment payment had gone into my bank account a day earlier than the always Wednesday payment date. After my account was closed I immediately changed my form of deposit to another banking source. Unaware that my check had already been deposited into my now closed account, I gave NYS Unemployment the 5 days to make the change over. However this past week I received my current payment, and contacted NYS Unemployment who stated it was released on XX/XX/XXXX to the Chime account. I have received no answers from Chime about any of this, not the fraud, where any of my money is. Then lastly, today I was contacted by my internet provider stating that yesterday my payment to them of {$260.00} that I paid through my Chime checking account on XX/XX/XXXX to an agent over the phone was returned to them yesterday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: The Hamilton Law Association
State: MN
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:
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-22
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have called a couple times a month starting back on XX/XX/2021 and the last call was received today XX/XX/2021 at XXXX asking about a debt that isn't mine I have told them back in XXXX I don't know who's debt that is and to please take me off their list and they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}

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 2020-03-23
Company: Experian Information Solutions 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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw 3 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to open more accounts under my name because my credit was ran a couple of time. These 3 accounts and inquiries were not made by me. Please take these unknown items off 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 non-monetary relief
Consumer complaint received 2020-09-16
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RESURGENT/LVNV FUNDING is trying to collect a debt from me in the amount of {$240.00} dated XXXX that i have zero knowledge of from a time were i had no credit and filled no applications out i did not even begin working on my credit until XXXX of XXXX and have no idea what this is for nor can they tell me i have never made purchases with finger hut and they will not produce an invoice or any other proof and just keep reaffirming the debt i have asked for documentation and am being ignored by them and i want them off my credit history it is a debt i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}

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 2020-09-16
Company: Navient Solutions, LLC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My paycheck is deposited to my checking account at BBVA every XXXX and last day of the month. XX/XX/2018 fell on a banking holiday so BBVA elected, without notice to me, to withhold my pay until the following day. 

Due to financial commitments, I needed to access my money on the XXXX so I made 3 transactions that day. One was a cash withdrawal from an ATM and I was not given notice of overdraft when the funds were released from the ATM - as is typically noted if an overdraft will occur.

BBVA did not process my paycheck until XX/XX/XXXX. They then proceeded to charge NSF fees 3 times for the 3 transactions the day before. 

I continued using my checking account as necessary and had not spent more than my available funds - IF the bank had not delayed my payroll and applied NSF fees when they should not have. The balance continued to snowball and they applied more NSF. 

I contacted BBVA through their website and all I get are generic form letters in return advising of their overdraft policy. The problem of them withholding my pay, without permission or notification, was never addressed. 

Getting nowhere with the bank I filed a complaint with XXXX. A total of {$290.00} in NSF fees had been applied to my account between XX/XX/18 and XX/XX/18. Through XXXX the bank agreed to refund {$110.00}. They stated my employer advised to hold my pay until after the holiday so they were not going to refund the remainder of the fees. I verified with my employer that this was not true and I provided BBVA with proof of this. The funds were processed for distribution on XX/XX/XXXX. My co-workers received their pay on XX/XX/XXXX. Not only did I present BBVA with proof of the payroll process date, I highly doubt my employer ( a large corporation ) instructed pay to be distributed on time to all employees, except me. I believe BBVA uses this deceitful tactic to apply fees unlawfully. 

They still declined to make it right. 

Attachments here include : Confirmation from payroll on XX/XX/18 processing Balance of my account had the transactions processed properly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: OneMain Finance Corporation
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am making a complaint about the amount of times they call to collect a this debt. I am a month behind currently and they call multiple times a day. In the last week, they have called me multiple times. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX and XXXX and today, XX/XX/XXXX : So far at XXXX and XXXX. 
I have the right to not be harassed by a debt collector and at this point, they are harassing me. I understand being behind and they need to make calls but you do not need to call me multiple times a day.

Company response to consumer: Closed with explanation