BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: SYNCHRONY FINANCIAL
State: NE
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:
I paid on my JC Penney credit card account on XX/XX/XXXX for {$200.00} ( the minimum payment required on the statement I received was {$170.00} ) when I was at our JC Penney store with a check. When my husband reconciled our bank statement for XXXX, XXXX in XXXX, XXXX, he noted that the same check number was run through again ( the same amount of {$200.00} ) on XX/XX/XXXX from our checking account. He checked with our credit union, XXXX XXXX. XXXX. ( XXXX XXXX ) and the credit Union indicated that it XXXX XXXX who who run the same check through two different ways or " double dipped '' from our checking account. Upon discovering this on our bank statement, we stopped payment on one of the {$200.00} withdrawals by XXXX as advised by our credit union. I then  received a certified letter indicating I was delinquent on my account for XX/XX/XXXX, but I I paid on {$200.00} on XX/XX/XXXX. XXXX indicated my check was " Returned and Not authorized by our bank '' for the {$200.00} owed in XX/XX/XXXX. Our records do not indicate that. When I called XXXX they stated I was still " delinquent '' and needed to send a check for {$140.00} or I would be turned into " collections ''. I then sent a check in the mail to XXXX XXXX for {$140.00}, just to pacify them. We have attempted to rectify this with XXXX XXXX with multiple phone calls and four faxes with attention to Payment Issues. Calling the XXXX  number on the letter connects us with someone who is clearly overseas ( I suspect in XXXX ). They talk in circles about how we owe and can not acknowledge the " double dipping '' XXXX did. The faxes go to a payment issues center and the call center associates in XXXX have no communication with the payment processing center. So one side of XXXX doesn't know or care what the other side is doing. This has yet to be resolved. I have paid on my account always on time and at the minimum or above the minimum required payment amount. We request your assistance with this matter due to inability to resolve directly with XXXX XXXX. Thank you for your time and assistance.

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 2018-06-21
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABR Recovery Services LLC has reported a 2nd account for collection to XXXX   recently which has incorrect information and has not be submitted to me in writing. This account is being reported as being opened XX/XX/XXXX which is not correct. It also is showing a date of XX/XX/XXXX as the date of 1st delinquency, which is also not correct. With a balance amount of {$1200.00}. This debt is being falsely reported to XXXX  in an attempt to collect a debt that I am not liable for. It is being reported the original creditor as XXXX, with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
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: Investigation took more than 30 days

Complaint:
XXXX  and transunion both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation tranunion XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on 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 2018-08-16
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an outstanding debt with XXXX which has assigned Contract Callers , Inc to collect this debt. First, I never received notice of debt owed, I only knew of it when it showed up on my credit report this month. I am trying to get approved for a VA mortgage and the credit counselor said I needed to pay the debt in full and get a deletion. So I contacted CCI to do a pay for delete and they said that their XXXX contract doesn't allow them to do a deletion only updating credit report but for me to call XXXX to have them ok CCI to do the deletion after full pay..I called XXXX collection department and they had no idea what CCI was talking about, they said as long as it is paid in full they could delete it. Called CCI back and they said oh you need to call client services at XXXX which they have no phone number for..basically giving me the run around. All I want to do is pay my debt in full and have them delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CITIBANK, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I got a lot of unwanted calls marked as SCAM I got calls from numbers 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 monetary relief
Consumer complaint received 2018-02-25
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: Credit inquiries on your report that you don't recognize

Complaint:
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Experian. Experian refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXXXX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX  XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX,  XXXX  XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. 

Therefore, the XXXX XXXX, ( four times ), XXXX   XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by Experian. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from Experian.

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 2018-08-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have false Hard inquiries on my equifax report. I called them, I was told to contact creditors. I did. They could not find me in their systems, because I had never been a cust., and had never applied for anything. They said to call equifax and file a dispute. Equifax said the same thing again, nothing they can do, you can't dispute a hard inquiry, call creditors. I did that again. I have spent 4 hours on the phone and have gotten nowhere. It is a continuous circle. With no recourse. Exquifax also has my address wrong. They said that one creditor must have had the info. wrong when they updated my info. One out of 6-7 has it wrong so I am locked out of Equifax website. To correct it it takes an act of congress. How can one mistake, by one group mess me up like that? The biggest problem with dealing with equifax is the call center they use doesn't have people that speak good enough English to understand what I am trying to ask. They just keep repeating the answer to an irrelevant question, with no help of any kind. It is infuriating, someone somewhere has to be able to help me correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Re : Earnings Withholding Order for Taxes, Account Number : XXXX XXXX XXXX. 

1. State Board of Equalization Account No. XXXX XXXX XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
( XXXX XXXX ) XXXX County. 
2. State Board of Equalization Account No. XXXX XXXX XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
( XXXX XXXX ) XXXX County. 
3. XXXX XXXX County Recorder Identification Number : XXXX, Filed : XX/XX/XXXX (  {$20000.00} ) ( XXXX XXXX ) 4. XXXX County Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( 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 2018-08-16
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX placed me into collection for a balance due. Penn credit corp is the collection agency. XXXX have found that a large portion of the debt is fraudulent. I paid the small amount that they said I owed although I dont believe I did. Penn credit did not adjust the balance due or the payment and continue to falsely report it delinquent on my credit report even though Ive asked them to update the records to show that the account is not delinquent. I was also told to dispute the amount in writing. I did and received no response. I was also told verbally that they couldnt provide me with proof of the debt because it went back more than three months and they could not get invoices older than three months. This fraudulent report caused my credit report to drop 45 points. My credit lines were lowered which further dropped and the interest rate on my student loan increased from 6 % to 9.5 %.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've requested a reasonable settlement offer to compensate for damages due to accounts opened by Wells Fargo reps which I did not need or want, no reasonable offer made to date. Damages include lost interest on monies unable to deposit due to information reported by Wells Fargo to consumer reporting agencies, information has prevented me from opening deposit accounts for several years now. Wells Fargo has mailed me numerous mediation request forms, six filled out to date, no reasonable offer made to compensate for damages. A mediation session was made with Wells Fargo rep, XXXX XXXX, an offer of {$300.00} presented, then increased to {$500.00}, which again does not cover damages. The mediation session appears to only cover damages by accounts themselves, not damages stemming from them. Further, prior remedy offers made including {$3700.00} by XXXX XXXX and the last offer amount of {$500.00} do not cover damages including lost interest during time period from last Wells Fargo account closed to date.. Failing to make a reasonable settlement offer, I request Wells Fargo to STOP sending mediation request forms, if not, they will be refused. Also, I request a mailing address to file a lawsuit against 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 2019-01-09
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The hospital did not file the claim within the timely filing period. I contacted the billing department and they cleared the debt because it was being reported wrong and is not my responsibility. This debt is not mine and should not be in my credit report. I disputed the debt through the credit bureau and the company did not do the research. So they are continuing to report an invalid debt. Had they done the reasearch they would know that the debt is paid in full and never was my responsibility. This account has been sold over and over again and is now with Ability. They need to follow suit and delete 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 2018-08-16
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: Information belongs to someone else

Complaint:
XXXX Experian XXXX is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is 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 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America direct electronic withdrawal from my personal checking account in amount XXXX dollars while XXXX XXXX on vacation drawn on XX/XX/2021 I came on XXXX next day went to local branch in XXXX XXXX file complaint and it is fraudulent withdrawal reverse the amount XXXX to my account In XXXX return it back In XXXX they ask me to close my account and open new one which affected my score I went again in XXXX the agency with Fraudulent department ask me to file complaint in my local police in XXXX XXXX Bring it back to them which I did still they did not give my money back

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 2018-08-16
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, Agreed to remove and delete this account from all 3 credit Bureaus upon returning the vehicle. so far they have deleted from transunion, but wont delete it from the other 2 they provide different inaccurate information. In transunion they claimed I opened account on XX/XX/XXXX, On XXXX they claim XX/XX/XXXX. In XX/XX/XXXX they reported to XXXX the account was refinanced, before they reported that the car was reposed, also payment information is in incorrect. They previously reported I was late XXXX now they report 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
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the XXXX  breach but I can't wait until this is over. 
Thank you for your assistance

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 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-02-25
Company: Transfinancial Companies, Inc
State: LA
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:
On XX/XX/XXXX, Transfinancial Company reported an unpaid medical debt for {$160.00} to the credit bureaus. The company alleges that the medical debt was " opened XX/XX/XXXX ''. Neither Transfinancial Company or the original creditor have ever mailed me any bills or correspondence relating to the purported debt. I was denied the opportunity to verify that the debt was mine or to pay it to the original creditor by virtue of the fact that it was placed on my credit report without notice or opportunity to be apprised of the debt. I do not know the date or purported service or if the debt actually belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: TX
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: MI
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:
In XXXX of XXXX, I was in an XXXX XXXX XXXX, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.

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 2018-08-17
Company: AC AutoPay LLC, Denver, CO Branch
State: AZ
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:
On XX/XX/XXXX I contacted Autopay about refinancing my car loan. After talking with XXXX XXXX I decided not to move forward with their company. I clearly explained that I did not want a hard pull on my credit report. He explained he could not give me an accurate quote which I was fine with. The next day I got a text from XXXX saying that my application is at the lender. I will attach the text conversation. After those messages I called Autopay and got to an supervisor named XXXX. He heard me out and said they would not be able to remove the inquiry they did and he would look into the recording to be sure I didn't confirm the inquiry. I was not satisfied of this since I know it can be disputed and removed. I left it at that and come to you about the situation to see if anything can be done for me to remove the hard inquiry.

Company response to consumer: Untimely response