BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently been alerted to a collections account added to my credit report. I received a phone call from a collections agency at the end of XX/XX/XXXX informing me of this account and telling me that I owed {$110.00}. I told the agency, I have no knowledge of this account ( as I have not received any billing or invoices ) and to please send me written verification of this account. I then proceeded to contact XXXX XXXX and asked to speak to the Manager on duty ( I believe XXXX an Asst. Manager ), he then proceeded to inform me of late fees and return fees that I have been assessing  for the previous months and told me I would have to speak with the GM as to any resolution. I was told that the XXXX would contact me the next day ... I have been unable to speak with this person since ( about a week ). I have still not received anything in writing from the company in question or the collections agency verify this debt at this time ( XX/XX/XXXX ). 

My chief complaint : I would like to understand how a business whose main point of advertising " no contracts '' is holding my credit score XXXX on a contractual premise that I owe them money, which was never billed or disclosed to me until a phone call from a collections company. I understand that business protocols take time to be established and oversights happen, but the sheer amount of similar complaints I have recently read in the BBB, XXXX reviews, etc. are all pointing to illegitimate and unfair business practices. 


FIRST CREDIT SERVICES Last reported : XX/XX/XXXX Balance {$110.00} Highest Balance {$110.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my mortgage loan was modified request was completed XXXX XXXX, 2017 with Wells Fargo Home Mortgage. My credit report with the 3 credit bureau XXXX, XXXX, XXXX is reflecting My mortgage to be currently delinquent and past due. That information is incorrect. Wells Fargo has not reported the current terms of the mortgage. Upon the modification being complete I was informed by Wells Fargo they would remove the delinquent payment history and report the current mortgage balance with the current mortgage history.

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 2019-05-02
Company: HUNTINGTON NATIONAL BANK, THE
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 status incorrect

Complaint:
I have 3 accounts that have been fully paid off and i keep getting the run around. they jeep telling me it reports on the next billing cycle. they have been paid off for over a month now in full. i have contacted the companys several times and there have been no positive reporting witch is pulling down my credit. none of my reports are matching up XXXX never matches XXXX XXXX, so my scores are less when i should be over 6 on both my reports. its exstreamly fustrating especially when things are paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Sterling & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2019 I received a threatening phone call from Sterling and associates claiming they would have a warrant out for my arrest if I didnt pay {$770.00} during that phone call. If I hung up or did not pay it then, Id be arrested. Said I had a payday loan in my bankruptcy and by doing so they could have me arrested for writing a bad check. They refused to give me the name of the payday loan company. Im a XXXX  mother of XXXX  and was scared to be arrested so I paid it in full that day. Just recently I found the receipt given to me from Sterling and associates so I decided to look them up on the XXXX  website. I saw others experienced the same and that its a fraudulent claim. Id like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hey XXXX ; EOS CCA : Happy XXXX XXXX I'm demanding a true validation on this alleged account. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX pulled my credit report on X/XX/2015 without my authorization.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the The date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 non-monetary relief
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The XXXX XXXX Agencies are reporting an inaccurate bankruptcy on my credit 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 2018-06-05
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter on XXXX XXXX, requesting debt validation or removal of two accounts from my credit report, listed by XXXX XXXX OF LOUISIANA, XXXX XXXX XXXX, XXXX, LA XXXX. The amounts were {$16.00} and {$170.00} I never received a response from XXXX XXXX as today, XX/XX/2018. These two accounts remain on my credit 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 2022-01-20
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive had Goldman Sachs Apple credit card for a while. It advertised that customer is able to see the card in wallet and pay for purchases, as well as view transactions and make payments through the wallet. Last week my apple email which was also Apple ID was compromised as well as password. Apple worked with me to switch over to new email = Apple ID. Goldman Sachs told me that I cant change the email and the only option is to close the credit card and apply for new one as this is their policy. 

Also they will not mail me statements, I cant see my account in my wallet, I cant log in to compromised Apple ID and email. I cant view my transactions, I cant make payments, and they will not provide my real credit card number as the apple credit card has no numbers engraved on the actual card. 

I dont want to close my account and hurt my credit, I cant re apply as i owe the balance and their policy states that I have to pay off the balance before even applying. 

Please help me to have them update my email address and give me ability to see the credit card in my wallet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for an american express everyday credit card under the pretense that my balance transfer would be 0 % interest for 18 months. When I received my first bill in XXXX, I had been charged {$32.00} interest. I immediately called the company and was told it would be taken care of in 3 to 5 business days. I have since gotten my second bill from them for XXXX and have been charged an additional {$59.00} in interest. I called them again on XXXX/XXXX/XXXX And was told they would file a dispute. It is now XXXX/XXXX/XXXX, and my account still has not been fixed. This has also caused my minimum payment to go up. I have been wrongfully charged a total of {$91.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In the past 6 months Bank of America have charged me over {$1500.00} in over draft fees. This has never happened before because, for the first time in my life, I became unemployed in the last two years and have struggled with managing money and now Im starting to realize how much they prey upon people having money problemsthey certainly never bothered me when I had a six figure salary. 

These fees have been triggered by delays in notifying me of low funds, weird time zone rules attached to different accounts that were opened in different time zones (!? ) all the way down to them charging me overdraft fees that then sit there without proper notification and then trigger further compounded overdraft fees. 

Ive contacted them multiple times about the fact that I havent been notified in time or times when I notice myself and transfer money and get the transaction covered in time within the 24 hours and they charge me anyway. Sometimes they dont notify me at all and it feels like theyre deliberately delaying over a day any notification so that they can charge me the fees anyway. 

In my uploads Ive included all of the fee information from a couple of my different checking accounts but also some time and date stamped email notifications from BOA that correspond to fees that date days after the charge has been incurred. 

I had read an article recently that an attorney friend sent to me about how theyre being investigated for such practices and because Ive tried 5 to 6 times to have them refunded and they refused I thought I would submit this here in an attempt to get my money refunded. Thank you for your help.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

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 2018-01-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I can't get a valid bill or account number from Synchrony.Made a purchase in XXXX XXXX XXXX on XXXX XXXX.  This involved a store credit card through Synchrony to take advantage of the 0% interest for 3 years.Reached out on XXXX. XXXX because I had not received any bills or account information and I wanted to know when the first bill would be due.I later found out that the bill / credit card had not been sent out until the XXXX but the gent I was talking to seemed to not be able to see this information and said that it must have been lost.He began the process to get me a new one and a bill.  I really couldn't care less about the card, you can only use it in the store - I just needed a bill.On the XXXX I received my first batch of mail from Synchrony including a statement (bill was not accurate, only had about half the balance it should have)  with a due date that was very early (XX/XX/XXXX)I reached out to Synchrony amount the incorrect amount owed and they told me that the account number was no good, that it had been canceled and moved to a new account.  I was at this point very frustrated and asked synchrony if I could just do this online since I needed to get payment out quickly to accommodate their due date that was not movable despite all the confusion.  They said yes but that it would require the new account number and they refused to give this to me stating that I would have to wait on it to come in the mail?!!??!?!?!Well I received a new statement the week of first bill being do and it was a carbon copy of the first statement they sent me!  same, unusable account number etc.I reached out to them today to find out what I needed to due, and they argued with me that the statement was correct - despite after checking the account number and showing a XXXX balance ?!?!?!?!

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 2022-01-20
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account information incorrect

Complaint:
Im not sure if I chose the correct option for this matter, but I received a collection notice in the mail from ARS ACCOUNT RESOLUTION on XX/XX/21 in regards to an alleged debt. I sent a validation letter certified during the dunning period on XX/XX/21 that shows delivered as of XX/XX/21 at XXXX XXXX. However, I recently reviewed my credit report and noticed that ARS reported this account without sending the requested information to validate this alleged debt. This collection agency failed to acknowledge my request for validation, and completely ignored my request.

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 2019-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: AP
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX I opened a savings account with Citizens Access bank, the same day I transferred {$19000.00} from XXXX. On the XXXX of XXXX, XXXX sent the funds to Citizens Access. After several days I closed the XXXX savings account. On the morning of the XXXX I awoke to find two emails from Citizens access, one saying my account had been locked out due to too many failed attempts to login, the other saying I had successfully changed my username. I live in XXXX and so morning for me would be evening in the US. I called the bank immediately, because I had been asleep while the emails were sent and thus unable to attempt logging into my account or to change my username. The associate on the phone verified me then told me that Citizens Access has chosen to discontinue their banking relationship with me at this time. She went on to tell me that the funds would be sent back to the account they were initially transferred from. When I explained that account was closed, she directed me to the other bank to resolve the issue. I called XXXX, who said the account couldnt be reopened and even went on a three-way phone call with Citizens Access to attempt to resolve the issue, to no avail. Finally, on XXXX XXXX, I received an email saying that the account at Citizens Access had been funded. Citizens Access refuses to send the money in any way I can receive it ( ie via check or to an open account ). Moreover, based on a phone call today ( XXXX XXXX ) XXXX has no record of the funds even being transferred to them. Additionally, from a phone call today, Citizens access wouldnt even tell me if they sent the money to XXXX or not and so I have no idea where my money is or whether its even all there. At this point, I have no way of knowing if, when, or how they money might be sent to me either.

Company response to consumer: Closed with explanation