BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Information belongs to someone else

Complaint:
I reviewed my credit report and noticed a few unauthorized inquiries Federal  Student  Loans are from the same company but each Bureau is reporting and showing something different percentage of money and late payment dates are all in accurate!

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 2018-02-10
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:
state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS  these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2018-09-19
Company: Works & Lentz of Tulsa, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I receive calls and voicemails regularly in which the representative does not identify who they represent and they make no effort to notify me that they are a debt collector. 
They also threaten to sue me in a state I do not live in. I'm tired of the stress caused by threats and how intimidating they continue to be. They claim to be a lawyer that will sue me but they are just collections agents who work at a lawyers office. They will not work with payments, they expect payment in full for unrealistic amounts and demand that I ask family or friends for money I was also told to cash in my 401k to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: AXOS FINANCIAL, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Axos Bank placed an inquiry on my credit after the sales rep for auto refinancing was explicitly told that I was not interested if there would be a credit inquiry because I am currently house hunting. 

The sales person assured me no inquiry would be done and it was done without my approval. 

Now Axos will not respond or answer phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened credit charge account with XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I made a purchase with XXXX XXXX XXXX XXXX in the amount of XXXX and received promotional rate with 0 APR for 12 months. They offered me deferred interest for 12 months if I paid my purchases in full by the end.. My promotional purchase expired on XX/XX/XXXX. By that time I paid my balance by 50 percent and my ending balance was XXXX. On XX/XX/XXXX XXXX XXXX   charged me deferred interest to my original balance of purchase in the amount of XXXX. I was not aware that creditor charges interest to the original balance of my purchase regardless what amount has been paid off. They charged me 29.99 percent APR which is ridiculously high and almost doubled my ending balance. As of XX/XX/XXXX my new balance was XXXX. I contacted XXXX XXXX and asked them to reduce my deferred interest since half of original balance has been paid already by the end of promotional rate. They advised me that if I pay my balance within 30 days, then the deferred interest will be removed. I made two additional payments during billing period to reduce my ending balance as much as possible. However creditor applied only one of my payments to my XX/XX/XXXX statement and charged me additional interest in the amount of XXXX. I contacted XXXX XXXX again and asked them why they did not apply my 2nd payment to my statement. They stated because the statement was generated before they received my 2nd payment. They did this in purpose in order to charge me more interest. This is deceptive billing practice from XXXX XXXX and they stated they are unable to adjust interest since they have to follow Federal regulations and I signed a legal contract with them. I feel that XXXX XXXX disrespects their customers and they charge a high interest after promotional rate expired because of their deceptive billing practices and deferred interest policy.

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 2018-09-19
Company: RD Fuller Company, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XXXX XXXX, 2018. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( RD Fuller ) and they said that they had not attempted to contact me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in 2015 i was in a domestic XXXX situation, i had just gotten out of school. i had been going to court for a restraining order and couldnt make payments, i called for a deferment or a forbearance and i received it i was told it would back date payments that were past due. the 2 late payments are still on my loan history as of today. my records show that i didnt get my late payments removed. XXXX in the executive office sent me a email with a different last name which makes me think she never once looked over my account. i want those 2 late payments as promised removed when i selected the forbearance or deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company Diversified Adjustment Service ( XXXX ) contacted my XXXX year old parents in another state to get information on me. Meanwhile I already paid the debt to XXXX XXXX XXXX. When I asked the debt collector how they got my XXXX year old sick mothers cell phone, who regularly takes my XXXX year old father to XXXX for XXXX XXXX, they said " It was contact information from XXXX '' This is a total lie. I dont even know my mothers cell phone number. Why would I ever add it as a contact number. This has caused her a great deal of stress an worry.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Convergent Resources, Inc.
State: NV
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 my XXXX credit report there is an entry for XXXX cellular service. The company reporting this information to XXXX  is Convergent Outsourcing. The XXXX  report shows an " Open Date '' of XX/XX/XXXX, which is incorrect. I disputed this information with both XXXX  and Convergent, and finally with no action on either of XXXX  's or Convergent 's as asked for a Method of Verification, as I informed them the date was incorrect. 

Today I received the Convergent response. They advised the account was " verified '' as valid and advised the verification was attached. Convergent attached some paperwork from XXXX which shows calls between XX/XX/XXXX to XX/XX/XXXX, yet they still report to XXXX the account was opened in XX/XX/XXXX. I'm at this point at a loss to even explain the XXXX of this dispute, In short the dispute I made ( Incorrect Open Date ) was not even addressed by the company I disputed it with. Furthermore the information provided to me by the reporting agency to verify the debt, ( XXXX Bill ) PROVES my claim the open date is incorrect by 4 years. 

This does not seem to be a simple " Mistake ''. A company that has access to this information does not read a date? The is an attempt to re-age the debt.

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 2019-11-14
Company: Innovis
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: Personal information incorrect

Complaint:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. The following accounts need to be deleted : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX I have several hard inquires on my credit the need to be removed. I was in the hospital and found out only recently that someone was using my ID information to apply for credit without my knowledge. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought a product that I never received, the seller said he never received the money, my bank verified he actually received the payment. I tried to open a claim with my bank chase and literally they said nothing they can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent XXXX, Transunion, and XXXX dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not my information 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
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It was numerous times I had overdraft fees and other fees I can not give exact dates and amounts. I no longer have Wells Fargo

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 2020-01-26
Company: Better Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was prequalified for a jumbo mortgage through Better. Since my application, I consistently receive regular false communications in violation of TIL laws about a supposed guarantee regarding the rate. Whenever I try to reach out, I get excuses about the matter, but have stopped receiving the false statements about the guarantee via e-mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I purchased a XXXX Woven Canopy Bed, Gray Wash, Queen, # XXXX, QTY : 1, {$840.00} + Shipping and processing {$140.00} + tax XXXX for a total of {$1000.00} ( order # XXXX ) at XXXX XXXX XXXX XXXX XXXX in XXXX, NC. The assistant manager helped me with the purchase and opened a new XXXX XXXX credit card since it was under a plan of no interest if paid in a year. A few days later, I registered online to start making payments. XXXX XXXX directed me to Comenity Bank. To my surprise, I had been charged on that same day, XX/XX/XXXX, something that I had not purchased for {$280.00}. When I called the bank, the customer service representative told me that the amount had been charged even before the sales lady at XXXX  XXXX had charged my bed and that it had been an online charge for XXXX XXXX XXXX. I went to the store to tell XXXX, the assistant manager, what had happened and she was very surprised. She emailed some executive from her store about my issue back in XXXX. Never heard anything from anybody. 
It has been over two months I have been disputing this fraud with Comenity Bank and just now, XXXX, XX/XX/XXXX, XXXX EST, the customer service rep from this bank said that the dispute department resolution was to keep the charge on something that I didn't purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2020, I had a XXXX  balance with Macy 's credit card. Macy 's did not produce a XXXX statement. On XX/XX/2020, I made an online purchase for {$40.00}. The statement dated XX/XX/2020 showed a balance of {$40.00} with a due date of XX/XX/2020. On XX/XX/2020, Macy 's processed a payment of {$40.00}. Also on XX/XX/2020, Macy 's charged me interest and a late fee when my bill isn't even due until XX/XX/2020. On XX/XX/2020, I contacted Macy 's through the message portal on their credit card site. While I received a robotic confirmation of my message immediately, the company made no further attempts to resolve this simple issue. After waiting one week, I made a second attempt to resolve this issue directly with Macy 's and decided to file a formal complaint against Citibank for the mismanagement of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 


XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXXInquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/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