BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had {$1400.00} added to a card fraudulently before I had even received the card to activate it. It may have been intercepted. I submitted a dispute in XX/XX/XXXX before I had gone through all of the necessary steps and they denied it. I then filed a police report am working directly with my ID Theft specialist to dispute. The company is not being helpful and seem to be doing their best to avoid assisting and taking responsibility for this ID theft. A formal dispute was submitted XX/XX/XXXX, a call was placed to them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. During these calls, they acknowledged that they had received the fraud paperwork, but constantly refuse to accept the POA that I had notarized. We have spoken with reps and leads to the fraud team and were assured on XX/XX/XXXX that the issue was resolved and the charges would be reversed and that a letter would be mailed to confirm. Fast forward to today and we find that for the 7 months that they have had an official dispute that they have not opened up an investigation which is a violation of the fair credit reporting act. It is unacceptable for them to handle this case so unprofessionally. If I am not able to resolve this, I will be involving an attorney.

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 2018-08-01
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They repeatedly keep attempting to collect debt from me when it's impossible to pay for anything because there is no gold or silver in circulation. According to the UNITED STATES CONSTITUTION Article 1 Section 10. There has not been Gold or Silver in circulation since 1933.

I am asserting my right to discharge the entire amount. I have the right according to UCC and Creditor/Debtor Law, and according to HJR 192.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company : " CEDARS BUSINESS SERVIC at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX or ( XXXX ) XXXX '' has reported a fraudulent collection to my credit report without notifying me. When I have disputed it they have " confirmed '' the debt was correct without speaking with me. When I redisputed the debt they tried to get me share personal information about myself without any verification of who they are of who they represent. I have numerous times asked them to send me a letter verifying what debt that I allegedly owe but they have not done so. This has been a dispute that has been over a month and they have still not verified my alleged debt or given me written notice of such a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, Finance XXXX. XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.

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 2018-06-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.

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 2017-12-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Approximately two ( 2 ) years ago I opened a Wells Fargo credit card. 

This card was primarily for the purpose of a balance transfer. 

After I paid off the entire balance, I requested that the account be closed. 

The account was always paid in a timely fashion, and my credit in general is excellent. 

I received a letter from Wells Fargo indicating that " ... we have closed your credit card account for the reasons listed below .... 

-- Total monthly payment ( s ) due for bankcard or line of credit account ( s ) on credit report is high -- -No wells fargo checking or savings account -- -Over six months Account inactivity From reading this letter any one would assume that wells fargo initiated the closing of the account due to the above reasons, some of which are negative. 

I do not want any negative statements regarding this closure, which I requested, to be listed on my credit card. 

The appearance is that Wells Fargo is " punishing '' me for closing my account. 

Conditions 1 and 2 existed when the account was approved and opened, and the account was inactive after it was initially opened for a period of approximately 18 months I guess that up until relatively recently # 2 would not have been true since they probably would have opened an account in my name without my permission I should have received a letter from them confirming that my request to close my account was approved, not a letter indicating that as some sort of review of my account it was being closed. 

I request and expect a written response from Wells Fargo explaining their actions in this matter and an explanation as to how they will rectify any negative entries on my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed the following items on XXXX-18 and XXXX-18 and these items are not mine. Furthermore they change the reporting information of these two items. I have not had a problem with XXXX  and XXXX, but trans union has been very difficult. I believe they have my son, XXXX XXXX XXXX XXXX and I credit report crossed up. Regardless they need to rectify this situation and remove these items that are not mine. I just don't think it is fair to report items that are not mine on my credit report. I can not refinance my home with my wife with these false items on my report. 

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 explanation
Consumer complaint received 2018-03-13
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$870.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: WI
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:
Earlier this summer a collection appeared on my credit reports. The collection agency is XXXX XXXX XXXX for XXXX XXXX and it was for the amount of {$67.00}. I was never formally notified of the collection until it showed up over the summer. But in XX/XX/2019 I had filed for bankruptcy and that collection was not even listed. I called the collection company and notified them that I was not even told about the collection and that I had filed bankruptcy. They had noted their account and removed my name and information from their system. I filed a dispute with each credit reporting agency. XXXX and XXXX   quickly processed and completely removed the collection from my report. But Equifax will not remove it. I have filed several disputes with them explaining it was previous to bankruptcy and should not be showing up and also that the collection company has removed it. Equifax still shows the collection on my report and it shows as open. All they did was add a comment saying I disputed the collection due to a bankruptcy. I would really like my report to show correctly. I simply want it removed. Especially since the other two, XXXX and XXXX, have both already removed it. I have also tried calling and speaking directly with someone at Equifax but they continuously have told me that they cant verify my identity and so they are not able to assist me. It has been 3 months of this irritation and I just want it resolved. Equifax is by far the worst credit reporting company. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
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: Account status incorrect

Complaint:
My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Old Republic National Title Holding Co.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please accept this formal request to provide me that certain written : Request to Terminate an Equity Line of Credit under N.C.G.S. 45-82.2 on any alleged account ( s ) relating to me secured by real property commonly know as XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX , NC XXXX and XXXX XXXX XXXX XXXX XXXX , NC XXXX. 

Thank you, XXXX XXXX Policyholder

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XX/XX/2015 I  began consolidation of multiple student loans. XXXX XXXX XXXX XXXX XXXX was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. XXXX XXXX XXXX XXXX admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. XXXX was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.

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 2018-08-01
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My son was cyber hacked some how and charges started showing up on his credit cards and when we got those to stop the hit his bank account several times for thousands of dollars over the next week and a half

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX  and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX  erroneously and egregiously attempted to utilize my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: Public record information inaccurate

Complaint:
On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW   license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called XXXX  which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Resolution Services ( ARS ) has failed to respond my validation of debt letter sent certified mail - XXXX XXXX XXXX XXXX XXXX and they received on XXXX They are furnishing inaccurate information to the credit bureaus and hurting my credit rating!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ticket number XXXX XX/XX/2020 I purchased a flight with XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/2020. Days later XXXX Government stated that it was best for us to stay home and not to go outside only for necessities. I notified XXXX about this situation and the representative told me to stay up to date with what's going on as far as cancellations. I told her to notate the account as well stating that I would like a refund not credit. 

I called and called and couldn't get a hold of anyone days prior to my flight taking off. I couldn't leave my home. I filed a complaint with my bank and they refunded me. Weeks later I received a notification stating that the case was reopened and XXXX provided them with information such as " a credit '' so they took the money back out and it went back to XXXX. 

Once again, this is a pandemic and they should have basic empathy for customers during this time. It's been months since I was able to received funding for my small business so I was relying on any cash that I could have received during this time. 

This is beyond absurd and I feel extremely manipulated. I do understand the no return policy but this should be escalated and a refund should be given to me as a courtesy due to this world pandemic.

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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I placed an dispute onXX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX  it would not allow me to speak with a live representative. So how did the verify anything with no documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX

Company response to consumer: Closed with explanation