BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: SYNCHRONY FINANCIAL
State: OH
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:
On XX/XX/XXXX we received notice from XXXX XXXX that a XXXX XXXX XXXX XXXX account was opened in my name. I called them immediately to let them know that I did not open up an account and that it needed closed. 

I wrote them a letter on the following dates asking them to send written confirmation that the account was closed. Each time I received a standard notice back that said they were looking into it and would get back with me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We are just seeking for a written confirmation that the fraudulent account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoken to several representatives with XXXX XXXX over the past month. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXXe for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she 's not sure what the charges are for.

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 2019-07-26
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:
I am not the person responsible for the charges made on the accounts. Equifax and XXXX put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
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: Information belongs to someone else

Complaint:
I XXXX XXXX did not hire a collection repair company. And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove 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 explanation
Consumer complaint received 2019-07-24
Company: U.S. BANCORP
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This company XXXX which is some overseas telemarketing company has been been charging my card for months now and I have sent in fraud, complaints, disputes multiple times to US Bank and they take them off and then just keep putting the charges back onto my account for these charges I didn't make. They have charged me now {$210.00} and I have no idea why US Bank keeps putting these charges back onto my account as if they are legit charges?

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 2019-07-24
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 ID THEFT DUE TO THE EXTENSIVE DATA BREACH VIOLATION FROM EQUIFAX. I HAVE PROVIDED THE CREDIT REPORTING AGENCIES THE PROPER DOCUMENTATION TO BLOCK THE INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORTS YET THEY HAVE NOT COMPLIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: BARCLAYS BANK DELAWARE
State: VA
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:
I paid my XXXX XXXX credit card bill in full for XXXX on XX/XX/XXXX. On XX/XX/XXXX I attempted to charge XXXX on my card and was denied several times even though my credit line is XXXX and my balance is only 2000. They deducted the payment from my bank on XX/XX/XXXX and told me they were holding my payment for 7 days and would not release my credit line until 7 business days after my payment posted even though the payment cleared my bank.

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 2019-04-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 XXXX XXXX for XXXX XXXX pulled my credit file.I have alerts set up on my file, and receive automatic alerts when something changes. I already have a credit card account with XXXX XXXX in good standing and I just paid it off so I contacted XXXX XXXX  to ask why they pulled my credit? They could not give me a valid reason for having pulled my credit without my consent. I would like the hard inquiry removed from my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: J J Marshall & Associates, 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 paid off JJ Marshall Company on XXXX. I contacted XXXX and XXXX for the collection account to come off of my credit report. It did not come off and is showing closed on XXXX. This is not true. This is wrong information. I called JJ Marshall Company and spoke to XXXX XXXX, in which he was rude and blamed the wrong information on XXXX. I requested this to be taken off my credit report and they would not do it, nor would they correct it. I am requesting that this be taken off my report. It is wrong information and is bringing my credit score down. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX did not hire a collection repair company. And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For security collection service XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX   XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove 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 explanation
Consumer complaint received 2018-01-18
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Identity Theft/ Mail Fraud filing ; homeowners ' not in foreclosure ( XXXX ). 
NC DOJ # XXXX XXXX - Citibank ( 2 ) Accounts - Debt placement and amount confirmation

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 2020-07-18
Company: Direct Recovery Services, LLC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received an automated and very scammy sounding voicemail claiming that I have an outstanding debt in collections with Direct Recovery Services, LLC., that voicemail directed me to their website to pay a balance of {$1600.00} A family member also received a semi-robotic voicemail with the same information, and notified me of it. 

I have requested that they provide me with verification of any debt which they claim to be owed by me, and likewise have notified them that I am filing a complaint with the consumer financial protection bureau. 

Further I insisted that they cease and desist from contacting any other parties and harassing my family about this alleged - and false - debt, lest I initiate legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on 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 explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on or about XX/XX/2018 by regular mail from Account Control Technology , Inc. stating they were attempting to collect a debt from XXXX XXXX University in the amount of {$8100.00}. On XX/XX/2018, I responded in writing via certified mail return receipt to Account Control Technology Inc. to cease and desist and disputed this debt referenced in  the letter dated XX/XX/2018. I stated, that I did not owe this debt to XXXX XXXX University nor did I wish to do any business with Account Control Technology , Inc. On or about XX/XX/2018, I received information from XXXX   that negative information was added to my credit report from Account Control Technology , Inc. in the amount of {$8100.00} on behalf of XXXX XXXX University XXXX First, I have contacted the Department of Education and I do not have any outstanding loans or payments owed to the government or to the university as this time which the Department of Education shows I only attended XXXX XXXX for one semester XX/XX/2018 so I could not owe {$8100.00}. When I attended XXXX XXXX my last name was XXXX but now I am remarried as XXXX which I also referenced in my letter. I have checked the original letter & my credit report and there's two different addresses listed for Account Control Technology , Inc. for sending correspondence. How can the consumer know if their letter is being received to the appropriate address. Second, Account Control Technology , Inc. signed for the green card on XX/XX/2018 which I referenced the acct number on the green card & envelope as stated in the original letter. If there was an issue the person that signed for the letter should have forwarded the letter to the appropriate division especially that a reference number was included on the letter. Third, Account Control Technology , Inc. should honor my dispute letter & that is was received timely and that any/all adverse information be removed from my credit report as soon as possible. As I stated in my letter dated XX/XX/2018, I do not owe this debt to XXXX XXXX University nor do I wish to work with Account Control Technology , Inc. And I will also be disputing this with 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 2019-07-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We filed a claim at an atm for {$800.00} which was fine until today. Now they are saying they cant verify that we never got the money ... .even though we called that day and gave them the receipt number and what it said. If it was {$20.00} that would be one thing but I am not going to lose {$800.00} bc the bank cant figure out how to correctly do their job. They can look on the camera and see we never got our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my right XXXX  Account XXXX has violated my rights XXXX XXXX XXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX Account XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : SPS Select Portfolio Servicing Inc Acct # XXXX I am requesting that you look into SPS Select Portfolio Servicing Inc regarding adhering to FHA loan guidelines considering our Freddie Mac loan. I have had nothing but problems going back years ever since XXXX and XXXX XXXX XXXX. 

Due to recent turmoil in our lives we reached out to our new mortgage loan provider, SPS, after our loan was transferred from XXXX XXXX aka XXXX, for assistance. I submitted all documentation requested to SPS regarding our mortgage, via both email and regular US mail. I tried calling on numerous occasions leaving voicemails, sending emails to our contact at : SPS Relationship Manager XXXX XXXX XXXX Ext. XXXX or by email XXXX After weeks of no communication from SPS, I finally receive a letter dated XX/XX/XXXX stating that we are approved for a trial period plan to modify the lien. This trial period doesnt assist with getting down the payment due to both job loss and the Coronavirus nor does it show us exactly what the modification would be. Immediately I called our relationship manager and for the first time I got thru and spoke to an actual person, XXXX XXXX. 

I must say in all my years of dealing with customer service, this agent XXXX XXXX, was rude, unprofessional and gave me no options but dispute this decision. I asked her about the Cares Act and other options, and she said all I could do was dispute the offer. I was dumbfounded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Americollect called me and told me about a debt that I had I was very on sure if it was my debt so I asked them if they could sent me a validation letter asking for that what this debt was for and what I was paying them for that was back in XX/XX/2019. I have not yet received anything and I have asked them repeatedly to send me something. When I would ask this would be when they would ask for money. What I mean is I am am already paying them {$330.00} dollars a month and they still call me asking for more money from me but still they do not send me anything to validate my debt. The last time I asked them was In XXXX and I called them for it. Still Nothing. Now I am still paying them {$330.00} dollars a month and I don't even know if this is my debt. I can not to keep paying them this ridicules amount of money my family and I can not afford it. I am a family of XXXX making less then XXXX and they know this but that is what they said I had to pay or they where going to said this over to their lawyers and sue me.Not only that the woman was horrible mean to me when I started asking questions about my bill she said I had to pay that amount. They say they are the nicest people but they are not at all good to people by any means.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: OH
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:
Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue experian, XXXX and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how Experian, XXXX and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.

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