BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: Southwest Credit Systems, L.P.
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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : XXXX XXXX # XXXX, SOUTHWEST CREDIT SYSTEMS # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX completing my application for XXXX debt forgiveness. The loans in question are through XXXX XXXX.

XX/XX/XXXX- I received an email confirmation that XXXX had received my XXXX loan forgiveness application. In the email, it says I " should allow up to 10 business days for us to conduct our review '' and that " if we determine that your application is not materially complete, we will send you a letter that specifically advises you of the information/documentation we need to reconsider your application ''.

XX/XX/XXXX- I called to see how processing was going. I was told that my application was done correctly and it was sent to the federal government. I was told to check back in about 90 days.

XX/XX/XXXX- I called to see how the processing was going. I was told that my paperwork was n't done correctly and had n't been sent to the federal government. I completed the paperwork and resubmitted it this same day.

XX/XX/XXXX- I received a notification that my application was sent to the federal government.

I am filing a complaint for three issues on XXXX 's part. 1 ) XXXX  said in writing that I should allow for up to 10 business days to conduct our review. XX/XX/XXXX to XX/XX/XXXX is 93 days. XX/XX/XXXX to XX/XX/XXXX is 92 days. 2 ) I never received " a letter advising me of the information/documentation we need to reconsider your application ''. I was told via phone that this did n't happen because it took so long to process my application. 3 ) On XX/XX/XXXX, I was told via phone that my application was completed correctly and sent to the federal government. This was incorrect. I waited nearly 3 months to check back in because of this.

I understand that I filled out the paperwork incorrectly. This was my fault. It still does not excuse that it took nearly 185 days ( 128 business days ) to process my paperwork. If I allow 10 business days for them to process it, it should have only taken 20 business days. It also does n't excuse them from not mailing me a letter notifying me of how to fix my application once they saw it was done incorrectly. I also was incorrectly told that my application was completed correctly and sent off to the federal government. I only discovered that my application was n't done correctly after taking the initiative to call and check how my application was progressing.

I have filed a complaint. The complaint was denied and I was told I was responsible for all interest accrued. They will be mailing me a letter explaining why the made this decision. I also asked to obtain all of my account notes and a record of my phone communications with them. I was told it would require a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Riverwalk Financial Corporation
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regularly check my credit report and on XX/XX/XXXX, I noticed that XXXX XXXX XXXX ( XXXX, Tx ) had placed a derogative account on my XXXX credit report. Please note I have never received a phone call or any mail correspondence in reference to this alleged debt. I have never held a contract with XXXX XXXX XXXX, so I sent XXXX XXXX XXXX a certified letter on XX/XX/XXXX, disputing the debt and asking for verification of this alleged debt and they replied with no documentation proving that I had a contract with their company owing them XXXX. I also sent another certified letter on XX/XX/XXXX but have yet to her back from them. Please note they have reported to XXXX credit Bureau since XX/XX/XXXX that this debt is mine, but have failed to comply with the FDCP and FCR by contacting me and allowing me to dispute the debt as well as after receiving a certified letter from me indicating that I am disputing this alleged debt updating my XXXX Credit report with a note of dispute by consumer. I have sent two certified letters to this company asking for proof of contract with their company bearing my signature but that have not complied. I is my hope that your able to get in contact with XXXX XXXX XXXX and have them remove this erroneous Debt from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is that Transworld Systems at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has been reporting an balance of {$350.00} as a past due. I do not know this company and have never done business with them. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/XXXX I tried to use my XXXX XXXX it was denied. Did not think anything about it, because I just paid my balance. Today XX/XX/XXXX I looked up My account and it said it was closed with a {$0.00} balance. Call Customer Service was told it was because of lack of activity. I could not understand that so I finally spoke to a credit specialist and she claims the no activity and they checked my credit again and then because I did not owe any money and my credit score had gone down they decided to close my account. How can this happen? Why did they not send me a letter, which they are now sending me within 20 days? I am shocked that a company would close an account with no balance and then check my credit to close it. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX cc # XXXX XXXX limit {$110.00}

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 explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: FL
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 have contacted XXXX, Experian and XXXX XXXX XXXX regarding incorrect reporting on my Credit report. XXXX XXXX XXXX has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. XXXX XXXX XXXX has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 XXXX XXXX Filed A Dismissal with Prejudice to the XXXX XXXX GA State Court. I have provided this documentation and XXXX verified they have received the Documentation but advised me that the XXXX investigations indicates I am responsible for 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 non-monetary relief
Consumer complaint received 2020-08-03
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Dispute Tracking ID XXXX On XX/XX/2020, I transferred {$1200.00} from my Go Program Card ( issued by XXXXXXXX XXXX ) to my checking account. At the time of the transfer, the name of my bank XXXX XXXX XXXX with the below listed banking information : Account Number : XXXX Routing Number : XXXX On XX/XX/2020, the bank changed names to Georgias Own with the following new banking information : Account Number : XXXX Routing Number : XXXX This {$1200.00} transfer never made it into my account ( please refer to enclosed letter from my bank, the confirmation number and my transaction history ). 

I am making a complaint because I have sustained a {$1200.00} loss. Per several phone conversations with Go Program Card Personnel ( EPPICARD Payment Processing Service Customer Account Services ) I have been informed that we can see it in XXXX XXXX XXXX but I have not been given any proof. Additionally, I am requested that the transfer be reversed, canceled or refunded because I can not accept the fact that I am just simply out {$1200.00}. There must be a way to recover my money. 
All your help is greatly appreciated and I will be waiting for a telephone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
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 have contacted Equifax, XXXX and XXXX XXXX XXXX regarding incorrect reporting on my Credit report. XXXX XXXX XXXX has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. XXXX XXXX XXXX has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 XXXX XXXX Filed A Dismissal with Prejudice to the XXXX XXXX GA State CourXXXX. I have provided this documentation and Equifax verified they have received the Documentation but advised me that the Equifax investigations indicates I am responsible for the Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Financial Business and Consumer Solutions.
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:
On numerous occasions, beginning on XX/XX/2017, FBCS , Inc. ( located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) and their client XXXX XXXX XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX ) contacted me regarding their collection of XXXX account XXXX debt of {$10000.00}. A phone representative of FBCS Inc. has been calling my home phone repeatedly, as well. When my wife answered and asked for debt validation to be mailed to us, the phone representative informed my wife that FBCS weren't legally required to send anything to us, informed my wife that she was stupid to request it and that my wife " knew nothing. '' I responded to all correspondence from FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX detailing that I never authorized this alleged credit card charge to XXXX, the merchant or anyone else. I detailed to both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX that I consider this XXXX credit card charge to be fraudulent, that I am currently disputing the amount, and that I have active investigations with various governmental entities regarding this alleged debt. Both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX, after their first letter dated XX/XX/2017, violated both my State and Federal rights by placing derogatory marks on my credit reports with all credit reporting agencies ( XXXX, XXXX and XXXX ) without first investigating my dispute, responding to my requests for debt validation. I am filing this complaint against both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX as my rights have been violated. Please, help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, Today, Wednesday, XX/XX/XXXX, I received a collection notice for a XXXX XXXX XXXX for the amount of {$29000.00}. This notice is from a collection agency, Municipal Services Bureau ( hereinafter referred to as MSB ). 

I filed a complaint on XX/XX/XXXX against MSB for sending collections to my residence at XXXX XXXX XXXX XXXX XXXX, Hawaii for A XXXX XXXX XXXX for the amount of {$1400.00}. 

This is the 3rd collection notice I have received from MSB at my address for the wrong person. The first notice was for a XXXX XXXX XXXX ( now deceased ) and the second and now third time for a XXXX XXXX XXXX. 

I filed a complaint with your agency on XX/XX/XXXX which was readily handled and I received an apology from MSB and they claimed that my address would be permenantly removed from their consumer record. 

This continued inept handling of collections by MSB is becoming tiresome. It is a hassle for me to keep addressing this issue over and over again. The system they use to track people known as the " skip trace system '' is definitely flawed as it continues to attach my address to other people named XXXX XXXX who do n't even reside on XXXX. I may contact an attorney if this XXXX continues. 

I would greatly appreciate your help again in contacting MSB to resolve this issue. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Truist Bank has allowed criminals to open an account under my name in XXXX different instances. In the first instance the account ( XXXX ) will not be closed by them. Every month they send me a bill and late notice. The second account ( XXXX ) has been sent to their collections department. Although Truist acknowledges that fraud was committed they have done nothing to protect their victim. I have been fighting this since XXXX of XXXX  and we are now in XX/XX/2021. The collections letter states that I owe {$74.00} and they are willing to settle with me for {$55.00}. I've uploaded a copy of this letter for recording purposes.

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 2018-01-17
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX Hospital fraudulently claimed outpatient XXXX XXXX as Inpatient Services with my Insurer, resulting in a {$600.00} deductible owed, when contacted by myself and XXXX XXXX XXXX stated the account would be taken care of. In XX/XX/XXXX2017 XXXX XXXX notified me there was a new collections account on my credit report, from AmeriCollect originating from XXXX XXXX for {$600.00}. AmeriCollect has NEVER provided me any written notification of this debt and refuse to discuss the account over the telephone, XXXX XXXX states they can not discuss the account as it is now with collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably XXXX XXXX XXXX in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY

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 2021-02-18
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:
XXXX XXXX is not reporting accurate information as a result their inaccurate reporting is negative impact on my credit. 
XXXX XXXX has not updated my account with the credit bureaus since XX/XX/2021. 
I have called numerous times, it has been explained to me XXXX XXXX system was hacked but the issues they had has been resolved, they have not. 
I was in the process of buying a car and needed all my revolving accounts paid down, My car broke down and I am forced to rent paying {$300.00} a week. XXXX XXXX  reported me over the credit limit on XX/XX/2021, with a balance of {$800.00}. The balance currently reporting is NOT accurate. My current balance with XXXX XXXX is {$250.00}, I must have this corrected 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 2018-01-17
Company: Experian Information Solutions Inc.
State: GA
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:
Experian, XXXX and XXXX did not fix an error on my credit report. The contract was canceled by the company.

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 2021-12-09
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: Information belongs to someone else

Complaint:
Experian is reporting nonpublic information on my consumer report which is a direct violation of my right to privacy as a consumer.

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 2018-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the XXXX said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My 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 explanation
Consumer complaint received 2021-05-10
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been dealing with coin base and had them send a fake scam email it worried me so I asked to withdraw my money to my original account and help getting tax forms and help closing the account. I got a generic response and no hope or guarantee of getting my money im just eternally locked out of my account like my money is theres .... No human, no help just the have my money now. Coin base is a scam. I'm scared for my identity and my account and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.

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