BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a account XXXX XXXX at XXXXXXXX XXXX in XXXX of XXXX. I had several issues with them. I was told I was signed up for auto draft, they messed that up and caused me to have late payments. In XX/XX/XXXX they told me if I paid XXXX dollars my account would be closed. In XXXX of XXXX I was contacted saying I needed to pay another XXXX dollars. The district manager told me he would fix the late payments on my credit report and sent me the letter he sent to his home office to have corrected. They would not give me a reason but said they wouldnt correct it because I didnt get a letter of ownership that I asked for and still have yet to receive. I want my payments corrected or the trade line deleted from 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 2018-02-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried to open a chase ink card for myself. It was opened however, when I activated the card they shut it down cause they needed more information. When I sent the information in I never heard back from the department. I called multiple times and they never got back to me. I think they are trying to avoid giving me the bonus points as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Franklin Financial  Corporation
State: CO
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:
I have diligently tried to ensure everything on my credit report was correct and paid. There are now 3 negatives that are simply false. I have NO IDEA who XXXX XXXX is. I have not received a bill from them and do NOT owe them {$330.00}. I have diligently tried to resolve this. I filed a dispute and still never received ANY documentation of this bill, nor what it is for. I explained this in great detail to XXXX, yet they said the negative has been verified. How can it be verified, if I dont even know what it is??? If just anyone can submit a collections account on your credit report, then what is the point in even attempting to make sure all your debts are paid? You can look at the 38 pages of my excellent payment history and KNOW that I would not knowingly leave a {$330.00} bill unpaid!!!! I can not pay what I do not know. 
And then there is XXXX XXXX. This dispute was over XXXX cents AFTER an account was closed. XXXX erroneously allowed the XXXX cents to be charged to a closed account, which by the time I found out, i had to pay {$160.00}!!!! I uploaded PROOF and XXXX still says they verified and it stands. If they VERIFIED, they would KNOW XXXX made a mistake. So for {$330.00} and for XXXX cents, my credit has been RUINED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I got my Barclays ' XXXX XXXX  XXXX Credit Card application from XXXX XXXX Stewardess on my return trip from XXXX XXXX to XXXX XXXX XXXX XXXX. I filled and sent my application in around XXXX XXXX, 2021 and got no replied answer. Later, Barclays sent me a letter to ask me to certify my citizenship in their supplied return envelop. I didn't find any return envelop but replied with my personal envelope, On XX/XX/2021, Barclay sent me another mail to ask me to call XXXX in 30 days to verify information listed on my application. If I didn't call in 30 days they will be unable to consider my application. I called on XX/XX/2021 around XXXX ET to that number. It put me on hold for more than one hour without any answer. I called again on XX/XX/2021 XXXX ET and left with my phone number. Someone answered and asked my SSN and DOB and then put me on hold for 45 minutes, then another agent answered and asked my SSN and DOB again and told me that he couldn't open my application and put me on hold for more than one hour. I guessed that Barclay didn't like to approve my application of credit card but couldn't find any problem with my application. I got excellent credit score about XXXX. Barclay just tried to discourage my effort to get the credit card. My phone number is XXXX. My email is XXXX. FYI my application No : XXXX and my name is XXXX XXXX XXXX. 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 2017-12-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX my XXXX XXXX XXXX XXXX credit limit was reduced from {$5500.00} to {$2800.00}, after being with the company for so many years because they said I was not using my card enough. I had in XXXX a credit balance available of {$3200.00} to spend. In XXXX my statement came with a credit balance of {$540.00} available for use. This is unfair because it affects my credit score negatively, because now all of a sudden I have a very high balance with XXXX XXXX as well as affecting my purchasing power. now I am unable to make major purchases after years of reliance on XXXX XXXXXXXXXXXX XXXX promise. When I signed up for this card I was not told that this was their policy, and if it is, it should be forbidden because it negatively affects consumers who try to maintain a decent credit score in these very tough economic times. I have spent over the years more than {$10000.00} with XXXX XXXX XXXX XXXX, I never expected this!

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 2019-02-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I went to hospital on XX/XX/2017 and Never got treatment or advice and not even seen Doctor. I called Hospital and billing dept says we don't know about this bill for XXXX and told me I bill $ XXXX.I received letter from collection agency that I owed to hospital bill for doctor {$1000.00} I disputed to and spoke to XXXX and she did dispute as I told her. 

I called couple of months to collection agency the gentle men was very rude and he disrespect me. 
I dont know how the hospital or the collection agency charge me {$1000.00}. 

with out seeing doctor How they charge me doctor bill this looks fraud. 
No treatment not even any advice from hospital. 
Please solve my problem the collection agency reported to credit beauro and because of this fraud my credit score went down and showing negative on my credit report. 
Please solve my problem I will be appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Recovery One, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this company due to identity theft. Sometime in 2012 some of my boxes went missing while moving in my place my check books were stolen. I have been disputing to all 3 credit bureaus XXXX XXXX and XXXX have removed but now XXXX. XXXX  told me to contact Recovery One LLC. I have and have gave them a copy of my police report. But is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: FL
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:
Hello I have provided the credit bureau with all of the information they needed. They still have not updated my report. I sent in letters in the mail for months and when I spoke to them they told me that they received my information and to wait a couple of days for my report to reflect the items removed. I have been waiting and calling and it has been over 50 days. I am trying to get this done it is very important to me and I have already sent in what was needed. These things need to be removed. XXXX XXXX XXXX Account XXXX, XXXX  XXXX  Account XXXX, XXXX  XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX OF WO Account XXXX, OFFICE OF THE ATTY GEN XXXX, CHILD SUPPORT ENFORCEM Account XXXX, and XXXX XXXX/FLORIDA MOR. My name is XXXX XXXX XXXX. This is the only way my name should appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAVALRY INVESTMENTS, LLC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. 

in XXXX XXXX closed the account for the XXXX XXXX Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. 

In XXXX of this year, a Company ( Cavalry Portfolio svcs ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from XXXX, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. 

This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. 

I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted First Progress Platinum Card through their customer service number provide on the back of the card in XX/XX/2021. ( XXXX ). I spoke with a customer service representative regarding the account and stated the I wanted paid the balance and clear the secured credit credit account and removed the card from my credit. The representative stated that he would not take the {$190.00} payment and the account was turn over to collection through they are reporting to the credit reporting agencies. I asked which collection company so I could handle the matter, the representative refused the give the collection company information. I have been unable to pay the amount for months and they refused to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that National Credit System validate an account for XXXX XXXX Apartments. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. However, a different collection company is sending me letters in the mail trying to collect on this same account. The other collection company is XXXX XXXX. So there are two companies trying to collect on the same debt. National Credit System is reporting the account on my credit report with a balance and has not validated the account to prove that they own the account or that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I had new windows installed in my home. The financing was done through Wells Fargo, who approved me for XXXX worth of credit. I have always paid my bill through my banks " Bill Pay '' option. I have been late minimally, even through a pandemic and a six month period of unemployment last year. 
In XXXX of XXXX my payment was admittedly late. I called and spoke with a Wells Fargo representative named XXXX on XX/XX/XXXX, who said that this fee would be reversed. ( {$29.00} ) She told me said fee would be reversed by XX/XX/XXXX. I called, again, in late XXXX as the fee wasn't reversed from my statement. This time I spoke with XXXX. She assured me that this would be reversed. It was reversed on XX/XX/XXXX. 
However, my payments made electronically through my bank, are taken from my account immediately and sent to Wells Fargo within 24-48 hours. This information was provided to me directly through XXXX XXXX XXXX  this morning, during a conversation with XXXX. XXXX attempted to do a conference call with a representative of Wells Fargo, this morning ( XXXX XXXX, XXXX ) and the representative said that she was unable to do so, as it was a recorded line. (?! ) I spoke with her, and her explanation made no sense so I requested to speak with a supervisor. 
Storm came on the line. I have no idea why this young man is in customer service. He was rude and condenscending. He told me that the original {$29.00} late fee was credited to my balance but because the payment amount that I have been paying monthly ( since the inception of the loan ) didn't match the statement that my late fees, with interest are now {$110.00}. 
This still makes no sense to me, as after my conversation with my bank I think that it's crazy that Wells Fargo is not crediting these funds to my account in a timely manner. Once I hit the submit payment button, the funds are no longer available to me, in my account. 
I took the time to make copies of all of my statements and bill pay receipts as well as the statement from my bank and mailed this all to Wells Fargo on XX/XX/XXXX. I have not yet received a response. 
I am not sure that you will be able to help me but I am so clost to paying off this account in full and I am terrified at what additional fees they will slap on the account before I am able to do so. 
Thanking you in advance for any assistance that you may be able to provide. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Home ( XXXX ) XXXX Mobile

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 2020-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is a fraudulent account reporting on my credit report and I've attempted to contact XXXX XXXX several times with no solution letting them know that this isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Army and Air Force Exchange Service
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Stop falsifying information. No letters, no phone calls, no notice of any debt owed because I do not owe it. The letter was false and did not provide any proof of debt owed. The letter was written to me only in response to my complaint, Other than that I have NEVER been contacted by this company and they do NOT have a debt for me. I sent in proof of my identity but they are still offsetting my XXXX as per the US social security administration. NO EVIDENCE OF DEBT PROVIDED AS REQUESTED, NO NOTIFICATIONS EVER RECEIVED. No bills, no letters, no proof, nothing. They admit they have never ever contacted me. But XXXX XXXX, Customer Response Technician lied stating that notices were sent to me When I called AAFES admitted that nothing was EVER sent to me. There is no information in this response to identify this fraudulent supposedly certified Treaury Offset. Show me how you wrongly identified me. Credit card charges? What is this about? She stated according to our records, what records? No records were sent because they dont have any to send. Stop this unlawful XXXX for wrong identity. 
Social security XXXX is supposed to be exempt from this so how do they get away with doing this to me knowing that I do not owe them? I asked for proof and was illegally threatened with inprisonment. XXXX says that is like debtors court and is not legal in America. Yet they told me I can be put in jail for something I keep telling them I do not owe. This is so scary and so unfair and so not right. What are you doing to stop them?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan being serviced by Specialized Loan Servicing. They have caused me innumerable problems, but I will be focusing on just one here.

Sometime during the summer of 2018, SLS send me a form letter informing me that they believed my home was " vacant '. I replied with the proper paperwork informing SLS that my home was indeed being occupied and they had the wrong/incorrect home/address. They started charging me XXXX XXXX " fees '' and other " fees '' for the unoccupied home. I was told, by a supervisor at SLS to contact " XXXX XXXX '' as they were the subcontractor that oversees this type of thing. I called XXXX and spoke with a woman who I can't recall her name., but she verified that my home had been " misidentified '' and that she would start the process of clearing it up. Meanwhile, I spoke with MULTIPLE supervisor at SLS who were antagonistic and hostile toward me suggesting that I was lying about said situation. Not surprised as SLS is a criminal enterprise, but I digress. I finally, after MONTHS, got a supervisor to assist me in this. His name is XXXX. He promised that he wouldn't kick the can down the road, but he did. I reached out to SLS executive XXXX XXXX multiple times to address the issue with NO response. They have been charging my account every month $ XXXX. I need someone to get to the bottom of this. Tired of being ripped off by this corrupt and criminal company.

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 2020-06-30
Company: EQUIFAX, INC.
State: MO
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:
Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$31000.00} 6 ) XXXX/ XXXX  7 ) XXXX  8 ) XXXX 9 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft in which my entire credit was compromised due to unauthorized accounts. This matter has affected me tremendously being unable to make financial decisions. I have other accounts reporting on my credit reports that I did not give consent. I am not very educated on how to address these type of matters involving credit, the reason I was resorted to your entity.

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 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, TransUnion is reporting my social security number incorrectly. I have been trying to correct this error with TransUnion for more than a year, to no avail. I have sent TransUnion a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however TransUnion continues to send the same letter indicating that they will not correct the information due to reporting from XXXX XXXX. I then reached out to XXXX XXXX regarding the trade line they are reporting on my credit profiles. XXXX XXXX continues to indicate that they are not reporting the incorrect information that TransUnion alleges and they do not understand why TransUnion is reporting the information incorrectly. TransUnion is the only CRA reporting my social security number incorrectly. Both XXXX  and XXXX have my social security number listed correctly ( see attached ). TransUnion is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. TransUnion refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call XXXX XXXX, to no avail. They report that they have not provided the incorrect social security number that TransUnion is reporting.

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