BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-13
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2017 I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX   places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -resident check places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX  XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint concerns HELOC loan account number XXXX. This loan was paid off on XX/XX/2021 in anticipation of the sale of the residence. I received a letter dated XX/XX/2021 from the bank indicating the loan was paid in full. However, they have refused to file the proper paperwork with the County Recorder of Deeds in a timely manner. This will be holding up my closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have written Synchrony Bank in regards to a Sams Club Business Credit Card that was opened by someone using my personal information on XX/XX/2020 I recently discovered that is account was opened when i checked my XXXX  credit report and seen several inquiries from Synchrony Bank XXXX Sams BRC I called the bank and spoken to several departments before I was transferred to the fraud department and was advised that a Sams Club Business Credit Card ending in XXXX was open and active and I was listed as a personal guarantor. 
At that time I requested that the account be immediately shut down and the bank launch a fraud investigation. Rest Assure that I did not open a Sams Club Business Credit Card 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 2019-02-14
Company: BB&T CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have tried for the last several months ( with the help of my husband ) to resolve my issue with the Bank. No resolution.

In XX/XX/2012, i was convinced by the Branch officer to open a savings account and make monthly transfers from an checking account i had with the Bank. We transferred {$100.00} and then {$10.00} a month. What I recently realized that the Bank was charging me {$5.00} a month in fees. In 6 months i was charged {$30.00} in fees on deposits of {$150.00}. Interest credited was XXXX cents.

This was not a best practice by the Bank. They should never have opened these accounts with these very high fees. Not in the best interest of me and the many other thousands of customers.

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 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX   XXXX. Please remove these items from 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 2017-12-05
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:
my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified XXXX. Provide validation of the debt, that is, the actual accounting. 
XXXX. Verification of their claim against you, that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: Ideal Collection Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, and XXXX have already recognized 'Ideal collections ' as a fraudulent account on my credit report. In fact, those agencies have sent certified mail to XXXX  showing the outcome of their investigations. Still to this day, XXXX refuses to remove this from my credit report. I still have no paperwork, records, etc ( only documents from XXXX, XXXX, and XXXX confirming this fraud ). So far, Ideal collections has only posted a fraudulent document that clearly shows forged signatures. My attorney has proof of signature authentication. I would like XXXX to follow suit with the other agencies and remove this fraudulent account. They claim that we owe {$6400.00}, for what I still don't know. A quick search online and you will find that these scammers are using the same amount with hundreds of other individuals. According to the CFPB they currently have 1,137 complaints against 'Ideal collections. ' All of the evidence is there proving obvious fraud. Again, all of the other credit agencies have recognized this as fraud, except for XXXX. I've had a clean credit report for over 2 decades, my FICO is currently XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I sent Rash and Curtis a cease and desist letter via certified mail. It was signed on XX/XX/2018. To date, Rash and Curtis is still reporting collection activity to all three Credit Bureaus and have not been in compliance. they are in violation of the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They constantly calling looking for our son claiming they need to contact him about a debt he owes regarding medical care. They used other peoples names ( spoofing ) on the caller Id to avoid us from finding out who is calling, but the phone number is always the same. They call at least once a week and have been doing so for over the last year and they never identify themselves on the phone. They ask that you return the call to the number that they are calling from but the caller ID shows an individual 's name. We know our son owes no medical bills because we paid them all. We have never received any written notice about a bill owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: UT
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:
In XXXX of XXXX XXXX XXXX  lost our XX/XX/XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX  but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with XXXX XXXX : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX  has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX  customers aren't put through what we have been through. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I started with this company I say back in XXXX XXXX and I was told that they would pull my credit report to see where I stand and that it was a soft inquiry well that was wrong it was a hard inquiry that they told me would be free and a onetime startup of XXXX well that was wrong to they charged me XXXX the first day. So when I questioned them about it they advised me they where checking to see if I had funds to cover and would be credited back to my account NO! it was never done, I have spent over {$800.00} dollars with this company for them to write letters and to help me in which it was not an success and now I am being harassed by the law firm that they some how work for legal fees and services .Also I kept calling they would hang up or keep transfer the calls to Different departments and hang up or say they will return calls or better Yet lock me out of the account so I cant see what there doing to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, I went online to make my monthly mortgage payment at Ocwen and I was surprised to find that Ocwen had instituted new policies with regard to how a payment can be made, without having received any of this information by mail, in advance. 

The issue revolves around a {$7.00} service fee that they have decided to charge customers to make online payments. Not much, but I felt taken advantage of because I was not informed of the changes by mail, email or any other method, in advance. 

The website claims that if I were to enroll in " paperless statements, '' that the {$7.00} fee would be waived. 

I called and spoke to an Ocwen representative who informed me that they, in fact, had NOT sent out any information about these changes, but were in " the process '' of doing so. 

To me, this seems completely unfair and wholly inadequate. In my humble opinion, they should be REQUIRED to inform customers of any changes IN ADVANCE of making such changes. 

The representative I spoke with suggested that the changes had been noted on their website previously. I asked if it was then necessary for me to monitor their website frequently to " catch '' such changes. She had no answer. 

Kindly look into this deceptive and unfair practices being made to squeeze {$7.00} out of each of their customers. 

Thank you, in advance, for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: ENCORE CAPITAL GROUP INC.
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:
Midland credit has placed XXXX on my credit files stating I opened an account on XX/XX/2019. I have not signed any contract with this company. The have no proof or signed documents between me and them. I would like proof I owe them XXXX since 2019. I never signed for this account with their company therefore its not mine. Please provide proof or remove from ALL 3 Credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: PNC Bank N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, On XX/XX/2020, I received credit cards ( in my name ) from PNC Bank and XXXX XXXX. I never held any accounts at either bank nor did I apply for any credit card with either of those banks. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank for security purposes made a maximum of {$50.00} for next day institutional transfer.. Which is ridiculous. They should verify with me, if the transfers are legit before making that desition on my money.. or at least notify me. 
I learned after a few transfers failed. 
I have transfferes being aborted resulting in me loosing money, fees, and potentially credit report implications.

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 2017-12-04
Company: Harpeth Financial Services, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I took out an online loan over the summer from XXXX XXXX ( XXXX XXXXXXXX ). 
I contacted them via email in XX/XX/XXXX asking them to switch my bank account on file they have dealt me issue after issue refusing to update my banking information, Ive sent them bank statements for two months in a row and they tell me credit unions arent recognized, my bank statement is out dated as they leave it set there and dont work my request now after all this they are requesting me to send them my new bank Statement to show my account activity, pay stubs and letterhead from my bank showing account and routing # which has already been sent to them, and a voided Check before they will update my bank information. They were asked to remove the previous account on file and they refuse. I refuse to give them any further information regarding my bank account and its activity, my bank has warned me their actions are borderline fraud This has absolutely nothing to do with changing my bank account! 
I have asked them to work with me on small payment and reduce the interest as I had been off work sick with dr note and they wont do anything to reduce or stop interest in the retention department I cant affod their payments, I borrowed {$460.00} and no owe almost {$1000.00} They just deduct the payment at their discrestion with no notice How do I get them to stop this and work with me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation