BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I completed a dispute for an account listed on my credit report as a collection from XXXX XXXX XXXX. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX, which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as 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 explanation
Consumer complaint received 2019-08-05
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Again this is an very small vague response from discover as expected, I spoke to XXXX this morning she called me directly from customer care, SHE TOLD ME DISCOVER RECEIVED NEW DOCUMENTS FROM CREDIT AGENCIES, I TOLD XXXX THAT I HAVE SUBMITTED AN NEW FRAUD AFFIDAVIT ISSUED BY XXXX, GOT IT FILLED AND SIGNED BY THE OFFICER OF LAW AT XXXX PD, AND ALSO GOT THE PAPER NOTARIZED BY THE STATE OF CA. SHE TOLD ME THAT SHE WILL START AN NEW INVESTIGATION AND WILL HAVE TO TRANSFER MY CALL TO INVESTIGATIONS TEAM XXXX COMES ON THE PHONE FROM INVESTIGATIONS SAYING THAT HER COLLEAGUE TOLD HER THAT U SUBMITTED NEW PAPER WORK AND NOW THE INVESTIGATION CAN BE STARTED AGAIN I TOLD HIM THAT I MADE SURE THAT THE OFFICER AND ME TOGETHER FILL OUT THE FRAUD AFFADAVIT FORM AND ALSO GET IT NOTARIZED, THE OFFICER REALLY FELT BAD FOR ME TO SEE THE SITUATION I AM IN, I TOLD XXXX THAT MY NEXT STEP IS TO HIRE AN CONSUMER LAWER AND TAKE DISCOVER TO COURT, UPON HEARING THAT HE STATED WORDS LIKE " SURE, YOU ARE WELCOME TOO THAT WILL BE PERFECT!! '' WHEN I TOLD HIM THAT I WILL HAVE TO HIRE AN LAWYER TO DEFEND MY SELF. I TOLD HIM I AM RECORDING THIS AND I WILL PROVIDE THIS TO COURT OF HOW YOU ARE MAKING AN MOCKERY AND FUN OF AN FRAUD VICTIM!!! WOW THESE PEOPLE ARE CRAZY. AFTER HEARING THAT XXXX HUNG UP THE PHONE ON ME AND I COULD NOT EVEN TALK OR SPEAK TO HIM CORRECTLY. THE GUY HUNG UP THE PHONE ON AN FRAUD VICTIM I WOULD LIKE TO STATE THAT XXXX AND THE DEPARTMENT AT DISCOVER THAT HANDLES FRAUD INVESTIGATIONS ARE HEARTLESS PEOPLE! THEY HAVE ONE SIDED JUDGMENTAL PERSONALITY, I HAVE NOW PROVIDED DISCOVER WITH NOTARIZED FRAUD FORMS SIGNED AND DATED BY XXXX PD AND ME. 

NUMBER THAT CALLED ME WAS XXXX MONDAY XX/XX/04 AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Capital One and they are really bad about helping customers with a late fee of {$25.00} for a payment that was one day late. This fee keeps me from reducing my balance I spoke to someone in the customer service one time a while back and they had no problem removing that fee but today I called and the man said he could n't do it. His computer would n't allow him to do it. I have done customer service for 11 years and I know we had a override to change a fee for customers. That is the thing companies should do to keep happy customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I found out that there is a collection on my report from XXXX XXXX for {$650.00}. I do not have an account with XXXX. I have tried to dispute this Item with the company and It was unsuccessful. I currently have a fraud alert on my credit file and I believe that this is an action of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bacame a member of XXXX XXXX in XXXX, TX because It was closer to me than my regular gym. I had to memberships because of this issue. I had one with " XXXX XXXX '' and one with the XXXX XXXX. When I was becoming a member with XXXX XXXX  I asked the Customer Service gentleman that was helping me that If I decided to move and wanted to cancel if this would be an issue. He said no, you can just come to the front and cancel. Well I believed what he said and of course signed all the paper work believing in what he was telling me that I was signing. When the time came for me to cancel, I did just as he told me, I went to the front desk and told them I wanted to cancel my membership because I have moved and I would be no longer coming to their gym. They said to me that is not the way they accept cancelations. The front desk attendant handed me a piece of paper with the instructions on how to cancel. I went ahead and called the company complaining to them that was not the way the gentleman told me I could cancel. They gave me the run around, I told them they can check I have not visited their gym. They continued to take out the membership dues from my bank account for a year. I went ahead after e-mails and calls to the post office with the letter they said I had to write why I did not wanted to be a member. I did and I got the certified mail as they instructed. Also called and finally I got a cancelation number from them. Then it was very disturbing receiving a letter in XXXX of this year telling me that I was referred to a bill collector agency by the name of " First Credit Services , Inc. '' to collect a debt of {$54.00}. The membership is {$10.00} per month, which the company should reimburse me for all the months that they robbed me. Still they are trying to get more money. My credit card was lost and I had to get a new one. Know they did not have any credit card number and so they decided to do this. I reported them to the XXXX and it was supposed to be taken care of, but it wasn't oviously taken care of. I would like for this business to leave me alone. I would love my money back, but I know for sure this will never happen. But at least to leave me alone with this collection agency. This is rediculous.

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 2021-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update my current address to : XXXX XXXX XXXX XXXX, NY XXXX Remove all previous addresses from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I noticed late Payments are inaccurate 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 2022-03-04
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RESURGENT CAPITAL SERVICES/ LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX have been violating me and causing harm to my personal reputation Pursuant 15 USC 1692d ( 1 ) keeping me from getting other extension open ended consumer accounts. They have not sent proper validation of the alleged debt Pursuant 15 USC 1692g ( a ) ( 4 ) statements are not sufficient validation. RESURGENT CAPITAL SERVICES/LVNV FUNDING continues to report negatively to the credit bureaus even after the cease and desist Pursuant 15 USC 1692d ( 1 ). RESURGENT CAPITAL SERVICES/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692e ( 2 ) ( a ) for falsely representing the amount owed because the amount placed on the ( Letters ) and ( statements ) shows the balance in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
American Express is still reporting inaccurate information to credit agencies, namely XXXX. The updates do not reflect payments made to the account as negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Uplift, Inc
State: OH
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 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : DISPUTEXXXX XXXX XXXXXXXX RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I was denied an extension of credit by UPLIFT on XX/XX/XXXX. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). UPLIFT has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. UPLIFT should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing  department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Siggi LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern, I have paid off a few Omni Financial loans during my time in the military. I see there is an lawsuit against Omni Financial. I'm inquiring about the overpaid interest that customers were recieving refund checks from the overpayment for interest on the loan by the company. 

I have moved a few times since my first loan years ago and injuring if this applies to me as well. If so, please see my contact information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Very respectfully, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo has repeatedly taken money from my savings account to offset an account that was closed over a year ago. In XX/XX/XXXX, before opening a new account I went into a local branch to pay what was owed. It was an amount under {$100.00}. I was told by the man opening the new account that because the balance was small he would forgive it and open a new account. Everything was going fine until XX/XX/XXXX when Wells Fargo started debiting my savings account whenever there is enough for them to take {$30.00}.

Every time I have transferred money in my savings to avoid their monthly fee, if I leave the money there they take it. So far my account had been debited twice for this. After the first time I contacted them explaining in great detail why I was not to be debited anymore. I gave them dates, times, and names ; they first responded by explaining to me what offset means. They investigated finding that the employee who helped me no longer worked for the company ; not that it matters regarding this. I had to write corporate several times. They never did any thorough check to see why a year later this happened. I was credited the amount. Never was it explained why a year later I was debited in the first place. I was assured it was a mistake but the same thing happened again the very next month.

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 2021-10-14
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:
XXXX XXXX XXXX XXXX XXXX is currently listing a Foreclosure on my Credit report incorrectly. 
I attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but TransUnion will not based on XXXX XXXX non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.

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 2021-11-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, I got an email from Wells Fargo saying we need more information to finish opening your account. I called them and immediately canceled the application. 
Not sure who did it become they claim its a fraud attempt. 
If it was truly a fraudster, why would he use my email account to register the bank account, wouldnt he use his own? 
Im afraid its from one of their employees. 
Now my credit is locked and I have a fraud alert in my report. 
This occurred on XX/XX/XXXX. 
I was told Wells Fargo fraud team will look into this and let know how this happened and where the fraud came from, but was never notified.

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 2019-06-19
Company: AES/PHEAA
State: NC
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:
Currently the FedLoan servicing is reporting two late payments XX/XX/18 and XX/XX/18 for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX sued wrong person on account consumer closed. It is not legal for them to transfer an account to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: SERVICEMAC, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021, I discovered that my service provider did not pay the 2nd installment property taxes on my VA loan. The bill was sent out XX/XX/2021 and due XX/XX/2021 I called them and ask them to pay the bill to avoid the home being placed on the list for tax lien sales. They stated the SLA is 5-7 business days and it would be addressed.

It was still not addressed, so I sent emails and kept calling over and over again. 

In XXXX they informed me they paid, however, I contacted XXXX county to verify that they informed me that the taxes was not paid. I have been battling with this company for way too long and spent countless hours begging them to pay the taxes. The funds are in my escrow. They agreed again they would pay the taxes and the late fees would be extracted from their account as it is their fault that the taxes are delinquent. 
They finally paid the XX/XX/2021 tax bill on XX/XX/XXXX, I confirmed it with XXXX county, however, they did not pay the late fees. 

I am to my wits ends and frustrated that a service provider would be so lackadaisical about paying taxes. I've escalated asked to speak to managers and the result is always the same, no movement. 

They deducted my escrow account twice for the one payment and I have been begging them to correct it but like everything else with this company it is a nightmare.

This isn't the first time that they messed up my escrow, which ironically is put in place to avoid tax lien and here I am in that situation. 

I am exhausted, I sent my last email a few minutes ago and I want some assistance as no customer should not have to go through this. It takes minutes to pay taxes online. All this company has done is lie. 

This has been going on since XXXX, I shouldn't be constantly told it will take another week dragging a simple task on for so 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 2018-01-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, My name is XXXX XXXX. I am so frustrated about Equifax company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. Equifax has completed your dispute for Confirmation Number XXXX and nothing changed Please fix this issue. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief