BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Conserve XX/XX/2018 Account placed for XXXX in collections from original creditor XXXX University on XX/XX/2018. I have spoken with representatives from both XXXX and Conserve and disputed the charges. 
I was in a XXXX program where supervision is supposed to be given to us even as an online university. I was unable to receive adequate supervision for my program and I had to pay out of pocket which was not in the original contract upon attending the university. I experienced unethical events with the approved staff from this university and unfortunately had to transfer school because I could not continue the program with supervision for the XXXX program track. I completed my required courses and the rest of my student loan was returned. I don't find what I owe a balance for. On top of the tuition increase in the middle of a semester with no prior knowledge in also unethical and unprofessional for current students. 
I have an ongoing investigation with my federal student loans to reverse the loans entirely and sue the school and I don't feel I owe this debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount I am disputing with this company is {$120.00}. On XX/XX/2017 - I applied to be a resident at this property. The day of application, the property had free application fees waived on approved credit. Since my application was approved, the company was only authorized to withdraw {$100.00} from my bank account. The {$100.00} was for a holding deposit. Therefore, I set aside {$100.00} for this withdrawal. Instead of the company withdrawing the authorized {$100.00} -- they attempted to withdraw {$190.00} -- {$100.00} for the holding deposit and {$95.00} for the application fees. My bank denied the transaction and I was charged a bounced check fee of {$35.00} with my bank -- I have called their office multiple times and I have never received a response nor have I gotten my call picked up in attempt to resolve this. XXXX XXXX first attempted to collect {$220.00} - {$25.00} NSF fee, {$100.00} cancellation fee and the {$95.00} application fee. After disputing, the company removed the {$95.00} application fee but will not remove the other charges that are clearly their fault. The {$100.00} cancellation fee and the {$25.00} NSF fee. This company has continued to collect and refuse to respond to any of my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent Transunion a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Transunion. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging 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 2018-11-08
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: Account information incorrect

Complaint:
Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called XXXX XXXX and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called XXXX XXXX, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Wells Fargo over a year ago (XX/XX/XXXX) and asked them for a Loan Modification.  I also mentioned to Judge XXXX XXXX XXXX (approx. XX/XX/XXXX) that Wells Fargo refused to help me.  I explained to them, that I was dealing with a financial hardship.  I became retired XX/XX/XXXX.  I was scheduled to appear in court XX/XX/XXXX, which was on a monday.  Court was closed that monday in observance of XX/XX/XXXX, which was on Friday XX/XX/XXXX.  I physically called the courts, and checked on the internet to make sure I would not miss a court date.  On XX/XX/XXXX  (4 days later), I received a NOTICE OF ENTRY AND JUDGMENT OF FORECLOSURE.  It states if I don't pay $XXXX by XX/XX/XXXX,  my home will be sold.

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 2019-08-28
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CALVARY SPV 1 LLC SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY XXXX XXXX . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. 

ACCOUNT NUMBER ENDING IN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan several weeks ago. I have never received any loan paperwork, so I assume they denied it. But I also have not received a letter explaining the denial. So I need either loan or the reason they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Every time i apply for credit and they try to pull my Experian credit report it says i do not have a credit file. Please allow company 's access to my credit report. i have enclosed a letter i received from 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 2022-10-27
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: Account status incorrect

Complaint:
Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX This is not my ACCOUNT AND IVE SENT IN AN FTC REPORT DISPUTING THIS ITEMS AND NOTHING HAS BEEN RESOLVED PLEASE REMOVE FROM CREDIT FILE Late Payment for XXXX XXXXXXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX This account is fraudulent and does not belong to me Ive never did business with this place Credit Inquires on XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is an incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX is an incorrect address

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 2019-09-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At the end of XXXX, the place where I'll been worked, close theirs doors after bankruptcy. I'll been looking desperate for a job with any sauced.I explained to the hospital my situation, they never told me that the hospital have a program for low or none people income qualification to pay off or portion of deb.Not to long ago I heard from someone else. It's sad that some people don't do their job in a proper way. 
XX/XX/XXXX, deb {$430.00}. 
XX/XX/XXXX, deb {$840.00}. 
I ask for Deletes To old Institution don't give me any help or orientation to help me with this debs.

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 2018-07-22
Company: SYNCHRONY FINANCIAL
State: MA
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:
Subject : Illegal, fraudulent & deceptive business practices. 
Hello, this is concerning my CareCredit/Synchrony Bank XXXX. XXXX XXXX, XXXX, FL XXXX account # XXXX XXXX XXXX XXXX. 
1st. this Care Credit is unfair advertising at medical establishments to help people that are in need for care without insurance and resulting in nothing but issuing nothing but a high interest credit card ( mine is 26.99 % ). and high fees Usually {$30.00}, which intern doubling the payment. I believe they have no intention to help people and are just using the situation as a right off for the large portion of people will end up in default. 

2nd My Personal situation I was late on a payment I think of {$26.00} and was charged a late fee on top of my amount due for {$30.00}. The total would be {$56.00} payment due. I called and discussed the situation and customer service agreed to reverse the {$30.00} fee. So I thanked them and made my payment of {$26.00}. I thought that was good. It wasn't, my next bill came in and again a {$30.00} late fee for late payment, Again I got on the phone and they said that they will not reverse the fee again. They tried to explain to me that since I received a bill for {$56.00} which included the fee and was reversed I was still was required to pay the {$56.00}. not to mention the added interest rate.

At this point I asked to talk to a manager and without avail was unsuccessful in explaining to them the unfairness/deceptive the situation was. The manger also reminded for to read the service agreement with them ( like 4000 words ).

This is the most disappointing part. I requested to whom I could file a complaint with than the response I got was I was doing now with a manager. I said no you are a bank and i want to file a complaint with the government agency you report to. His response was that they fill all their appropriate paperwork with the government. I said I don't care what you submit, I want to submit a complaint to them, what's there address? And he didn't give it to me or help me in any way. no responsibility. So i said to him so you refuse to give me any info to file a complaint and I will have to find it myself. Very dishonest and deceptive. they should be held accountable for their actions and now have to deal with them calling 20 times a day. Feel free to contact me any time. XXXX. thanks

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 2023-09-06
Company: SLM CORPORATION
State: NY
Product: Credit reporting 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 the victim of identity theft, and due to that identity theft there are several account reporting from this company, that I have not opened nor authorized anyone to open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the XX/XX/2019 a savings account was closed at Capital One 360 and the remaining amount to be mailed out is {$480.00}. The customer service representative stated that it should take between 5 to10 business until receipt of the check. It is now XX/XX/2019 and I have yet to receive the check from Capital One 360. I have called several times to check on the status to no avail. Customer service keeps bouncing me to another department that handles the account that is either never available, and never gets back to you when leaving a message. It is now close to a month of dealing with this bank with this issue, and yet nothing is being resolved. I just want my funds made available as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear Sir or Madam, I checked my personal credit report, which I acquired several unauthorized inquiries.I contacted the creditors who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I have certified letters receipts where I have made three requests within this year and 5 last year.

I have requested that an investigation into inquiry on my credit report to determine who authorized the inquiry. I you find the inquiry referenced above to be invalid, due to lack of evidence and not receiving a thorough description of the procedures used in the investigation within 15 business days of the completion of the investigation. This is now the fourth request in the past 15 months and it has since been 120 days since the last request. 
The inquiries were removed and sent to all three bureaus to be updated but Transunion is the only bureau that have not removed the inquiries and have submitted a dispute several times. 
The inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX My second reporting issue is closed accounts I requested be removed. 
Below are closed accounts that have been closed only due to name change of an organization or being sold to another company. There are also debt that I corrected and sent copies of the information to transunion showing the account is still closed but is no longer negative and they refuse to remove it. 
Here are the accounts with XXXX  balances. 
XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: UT
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:
Under 15 U.S. Code 1681c-1 I request the following to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: GA
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 have requested on at least a dozen occasions via XXXX mail that my name, address, and work information is updated and corrected. I also requested more than a dozen times to have all the other unknown addresses, names, employers removed. A copy of my valid drivers license, a utility bill, and a check stub was sent in to all 3 credit reporting agencies. My employer information was updated, as well as my address, however the unknown names as well as the incorrect information was never removed. I have multiple credit monitoring services so when changes happen, I am alerted. There are multiple incorrect spellings of my name, and unknown addresses as well as employers on my credit profiles. I have sent in verifiable information and a letter of request to have all other information removed, it has not been..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: AL
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 an account on my equifax credit report that I have disputed three times that is reporting fraudelent information. The company 's name is XXXX XXXX. I went into this company to try to get it resolved after a third dispute thru equifax on XX/XX/XXXX. The company 's owner refuses to talk to me. He sends a very rude woman out to talk to me about the account. She says the account is not even in their files anymore. I kept trying to show them on my phone how it was reporting on my equifax report. The lady continue to be rude and talk over me, so I left. It is reporting on my equifax report as an open installment loan from XX/XX/XXXX with a XXXX balance. The results of the third dispute with equifax came back on XX/XX/XXXX stating that XXXX XXXX claimed that the account was included in my bankruptcy. I filed for Bankruptcy in XX/XX/XXXX. The XXXX XXXX account was paid off well before then and was not included in my bankruptcy. I called Equifax on XX/XX/XXXX and talked with a supervisor. She looks at my report and sees that the XXXX XXXX account is not correct and still tells me she ca n't do anything about it. She then tells me to dispute it a fourth time. Now I have been paying for equifax credit monitoring services every month since XXXX and this is how they treat their customers. They see fraudelent activity and wo n't do anything about it. So I told the supervisor at equifax I was cancelling my services. She was very nonchalant about it and connected me to the cancellation dept, so I cancelled my services. I called XXXX XXXX after I got off the phone with equifax. The same rude woman answers the phone. I said please hear me out I 'm begging you, please let me explain how y'all are keeping me from fixing my credit. She talked over me and hung up the phone in my face. Despite to find a solution I talked to my bankruptcy lawyer. They said they can write XXXX XXXX a letter stating that they were not included in my bankruptcy, but they ca n't make them change anything on my credit report. So I researched online and found CFPB. I am praying that CFPB can resolve my problem with this XXXX XXXX XXXX that has been treating me with unbelievable disrespect.

Company response to consumer: Closed with explanation