BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in regards to : Account # XXXX & Account # XXXX I am disputing the above account reference numbers and attempting to stop Progressive Management 's attempt to collect on this debt and removal of accounts reported to my credit bureau 's. These bills were for services rendered in 2012. California Law states that medical bills have a 4 year statue of limitation. This debt has reached its statue of limitations and can no longer be collected on. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XX/XX/XXXX. The second page is taken from my XXXX report dated XX/XX/XXXX. The third and fourth page is from XXXX datedXX/XX/XXXXThe fifth is Experian dated XX/XX/XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XX/XX/XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.

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 2018-06-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought this watch from XXXX XXXX XXXX for my sons graduation from XXXX XXXX XXXX I went to fitting room and I left my watch in there not knowing what I did i went to the main cashier paid for my other items as I was unloading I suddenly realized that I didnt have my watch I immediately ran inside and to the filling room sadly it was gone I called navy federal and report the insident today I received this insulting letter not only I lost I also have to pay for the lost is that fair?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX is not providing me with substantial proof of validation that they claim they've received. In light of recent investigations brought upon the credit agencies, namely XXXX, EXPERIAN AND XXXX I find that my consumer file is being irresponsibly tampered with. Over the past six months I have made several attempts to remind XXXX, EXPERIAN AND XXXX of their duty pursuant 15 USC 1681. 15 USC 1681 a ( 1 ) states the banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. It appears they are intentionally and willfully being neglectful in remedying my affairs while impairing the efficiency of the banking system. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigation, all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. XXXX XXXX XXXX  XXXX XXXX Is clear case law that states A copy of a consumer credit contract is not sufficient to validate a debt. '' I never gave consent to ANY of the credit reporting agencies to furnish my private data AND per XXXX privacy policy, I was not given full disclosure of my rights to opt out.

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the following accounts but the credit reporting agencies did not justify continuing reporting these unauthorized accounts, I'm demanding that this accounts be blocked immediately from my credit report. If not please provide physical certified documentation to support your reporting. The disputed accounts are, ( 1 ) XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX {$570.00}, ( 3 ) XXXX XXXX {$7600.00}, ( 4 ) XXXXXXXX XXXX XXXX  {$0.00}, ( 5 ) XXXX Finance {$0.00} ... 
Please remove immediately.

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 2018-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
the casino i went to there cash machine was n't working so they voided the transaction and i NEVER signed anything and they put an X to show me it was voided no capital one denied my dispute and are charging me for something i never did saying it was signed i never signed and needs to be credited this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my Experian, XXXX, and XXXX credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.

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 non-monetary relief
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX XXXX XXXX - Sold XXXX Bitcoin to CoinBase at a price of {$16000.00} per coin. {$1200.00} - {$18.00} ( fee ) means that {$1200.00} USD was supposed to be deposited into my linked bank account by XX/XX/XXXX. 

XX/XX/XXXX - Opened up support ticket and only received automated response confirming ticket had been made. 

XX/XX/XXXX - Direct messaged CoinBaseSupport on XXXX, explaining my situation and asking for an update on my funds, with no response. 

XX/XX/XXXX - Direct messaged CoinBase Admins on XXXX, who are all verified employees of CoinBase, with no response. 

XX/XX/XXXX - Complaint with CFPB filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Synchrony Bank claims to be calls just about every hour even before XXXX and after XXXX never left a message

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 2019-09-02
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi ; There are 3 different unknown medical collection accounts on my credit report that i've tried for many months to resolved but unable to. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was a victim of identity theft I was a victim of Transunion " inquiry issues '' I tried contacting Transunion to resolve the issue & have the negative inquiry reporting removed, but customer service would not take care of it The inquires that need to be removed are listed below 1. XXXX XXXX XXXX 2. XXXX/XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. 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 explanation
Consumer complaint received 2020-06-07
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I cancelled my auto extended warranty within 30 days and this is not in dispute by the warranty company, the dealership or Regional Acceptance Corporation. Regional Acceptance Corporation refuses to credit back the full {$3000.00} to my acct, thereby enriching themselves at my expense for which I have gotten no consideration.

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 2019-07-18
Company: EQUIFAX, INC.
State: WA
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:
I filed for bankruptcy in XXXX of 2009. I have endured the penalties of a low FICO score for the past 10 years, including high interest rates, high insurance rates and impacts to employment. I was looking forward to having the bankruptcy finally removed from my credit report and having a high score and low interest rates, but my score has barely moved since the bankruptcy dropped off my credit report. Today, according to XXXX my score is XXXX. 

According to XXXX the primary reasons are the amounts of loans. My loans total {$140000.00}, but {$110000.00} is from student loans. Of the {$140000.00}, {$8000.00} is due to revolving credit and {$15000.00} is from regular loans, such as a car loan. It should be noted that I have several credit cards with no or very low balances, which do not play into the picture. 

My student loans are under a XXXX repayment program and I pay {$120.00} per month. 

Over the past 10 years there are only 2 accounts showing a 30 days past due, which were caused by the a debt consolidation loan and the bank failing to get the payment to them in time. And those were from 2 years ago. 

Therefore, the primary reason my score is XXXX is because of my student loans. As I mentioned earlier, there was no positive movement after the bankruptcy and/or after other creditors dropped off my credit report. Only negative movement as Transunion is still penalizing me for my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: SYNCHRONY FINANCIAL
State: FL
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:
I sent Synchrony Bank my coupon indorsed for payment to balance the account. Mailed certified XX/XX/2021. They refused to accept it. They have not returned my payment coupon & continue to attempt collection stating they have not received payment. Out of fear for a suboptimal credit score I have sent additional payments to maintain an account in good standing. I contacted customer service online XX/XX/2021 to ask that my remittance coupon be returned. It was not. I second sent a letter has been mailed registered XX/XX/2021 with copies of the previous mailing.

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 2019-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or about XX/XX/2019, Wells Fargo executed a Legal Order submitted by the CA Franchise Tax Board. In addition to debiting {$340.00} from my checking account without my permission, Wells Fargo charged me a {$120.00} Legal Order Fee. 

If that Legal Order was correct, I could see that I might be responsible for the fee. However, the Legal Order was clearly an error on the part of the CA Franchise Tax Board. Upon contacting them, they immediately faxed over to Wells authorization to return the funds. See attached screen print of the transaction. The fax was sent within hours of me contacting the CA Franchise Tax Board. 

After days of arguing and escalating the issue with Wells Fargo, they refuse to return the {$120.00} fee because they argue they received a Release Order and not an Admittance of Error.

Apparently, this is a common issue at Wells Fargo. If they do not get a party that serves a Legal Order to admit in writing that they made an error, they will not  refund the fee. Notwithstanding the proof is right in their system that the release was performed immediately. I owe no money to the CA Franchise Tax Board and at the time of this transaction, I was 100 % current with the few hundred dollars that I did owe them. They just made a simple error in processing my check, which they acknowledged on the telephone, hence the immediate fax to return all of my funds taken ( without deduction ) or hold, all within 48 hours, beginning to end. BTW, the fax was received by Wells Fargo on XX/XX/2019 and did not process until XX/XX/2019. 

I did not initiate the transaction resulting in the fee, I did not authorize the transaction causing the fee. I am not at fault for anything related to the fee or Legal Order. This can not be Legal. 

This fee was assessed upon me and I had no control over its application to my account. Wells Fargo has clear and convincing evidence that it was an error, but chooses instead to profit from the fee. Well 's recourse is with the CA Franchise Tax Bureau,  not me, and CA will never admit their mistake so they will be accountable. I can only imagine the 1000 's of customers being charge a fee for what I understand to be a not so uncommon error, and Wells Fargo benefits from it. 

If this is not an Unfair and Deceptive Practice, I don't know what is! 

Wells Fargo Customer, but not for long.

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 2019-07-18
Company: PREFERRED CREDIT INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was pressured into buying this product by a sales person that would not leave my home after coming in to drop off a " free '' product that I had " won '' at the XXXXXXXX XXXX  Woman 's Show. She played upon my son 's health issues and assured me that by providing ten people 's contact information I would not owe anything for the machine. I was leery of the purchase because of the extremely high interest rate and the predatory nature of the whole pitch, but she would not leave until I purchased from the XXXX XXXX XXXX Systems. 
When I did not make payments I reached out the sales person ( the only contact number I had ) and she did not return my calls. I could not locate anyone to speak to and they never reached out to me despite my phone number not changing since 2005. 
When I attempted to buy a home this Preferred Credit showed up as a negative account on my credit report. I had no clue who that was so I disputed it, but the reporting agencies told me to deal directly with Preferred Credit. After two weeks of constant back and forth and arguing I finally paid a settlement amount just to be able to move on with my life. This company starts out by lying to its customers and then backs people into unwinnable situations to extort money out of them all for products that do not do what they promised to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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 have been a victim of identity theft

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 2018-01-15
Company: Experian Information Solutions Inc.
State: NY
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:
re : XXXX XXXX XXXX Experian CR. 

In XX/XX/XXXX, I requested Experian remove a FIVE year Old public record for a WITHDRAWN/DISMISSED Due to Error Bankruptcy filing done by mistake due to Error AFTER THE XXXX XXXX XXXX XXXX agreed with all CRAs, including Experian, to remove ALL public records that did NOT have all FOUR data points attached to them. 

The other CRAs ( XXXX, XXXX, XXXX, XXXX ) ALL removed the item : XX/XX/XXXX Ch.XXXX filing case # XXXX filed XX/XX/XXXX. 

XXXX XXXX XXXX XXXX. ( XXXX ) reports that as of XX/XX/XXXX, all CRAs agreed to no longer maintain public records without ; 1. all four Data Points : correct name, address, SSN, Date of Birth.

2. that are published victims of ID Theft. ( this BK is ID Theft victim ) 3. That are over FIVE years old 4. That have been dismissed/withdrawn due to ERROR. 
5. CRAs must update all public records every 90 days. not done.

6. in XX/XX/XXXX Experian wrote to CFPB complaint # XXXX that Data Furnisher agreed to vacate this Public Record,  but, Experian failed to update this file. 
7. Maintaining ID theft Victims dismissed BK public record is FCRA & ID theft law violation against Experian. All other CRAs removed it!

8. FCRA prohibits publication of records " filed in Error '' like BK case 9. All dismissed legal actions filed in Error are to be updated and removed from Public Record BY CRAs every 90 days!!!! 
10. Experian has pled guilty in many related court actions to violating the FCRA & XXXX regulations for these 9 reasons and should not be repeatedly violating the law!

MY BK filing was withdrawn by the BK Judge a week after the filing due to ERROR. IT is in the case file at BK court in  XXXX NY and it was sent to XXXX XXXX, analyst for Experian, but, she ignored it. 
My BK public record DOES NOT have my correct address since I was evicted XX/XX/XXXX from my home due to this ID theft action by the the bank. MY SSN and my Date of Birth are not on the court order either.

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 2021-02-20
Company: KEYCORP
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card in the mail from Key Bank. When I called they told me someone was trying to open an account in my name and had my social security number. This happened on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My identity and information has been compromised and used without my authorization and consent. It has been over 30 days and I have not received accurate updated investigation results.

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