BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: SYNCHRONY FINANCIAL
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:
This item still appears on my XXXX  credit report. The source, XXXX & Synchrony Bank ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

XXXX has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-todate info on XXXX Cybersecurity Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XX/XX/XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP

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 2019-01-11
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a Visa Unsecured Credit Card and they have sold the account to CACH Collection and that CACH Collection has since sold the account to Resurgent. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I resided in XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. From XX/XX/XXXX, to  XX/XX/XXXX, I complained about a roach infestation to management and even wrote a letter to corporate multiple times. I was told the problem would be taken care of, and even after the birth of our daughter in XX/XX/XXXX, the problem worsened. We gave the apartment a 30 day notice that we would be leaving due to pest issues. The roaches were in our walls. Everywhere I turned, there they were and it was terrible! So much so, I found them in my infant 's room, and our kitchen. Shortly after we gave them the notice, our entire stove caught on fire! We were told that XXXX XXXX would take care of all of this and they never did. They are charging us for payments that we do not owe. We have already taken care of this. They have removed it from my husband 's credit but it still remains on mine. I tried to fight them by writing them and calling, and no one has returned any of my calls. This is ruining my credit and stopping me from renting another apartment. I am devastated. I am crying out for 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 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion and XXXX  refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...

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 2018-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dates of fraudulent transactions were for XXXX from XXXX stores in New Jersey made XX/XX/XXXX and XX/XX/XXXX. 
Their was a withdrawal back in XX/XX/XXXX and the following day for another XXXX dollars and the bank is refusing to refund me for the fraudulent transactions. 
This is with Bank of America

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 2018-11-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/18, there was a hard inquiry on my credit report that I did nor ask for or apply for from Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: BBVA FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Tuesday XX/XX/XXXX I requested a stop payment be put on a Marchant ( XXXX XXXX ). I spoke with an authorative figure from my financial institution Simple.com about this and one other matter. I was very adamant in my query if any further debits from this merchant would post to my account and they were very adamant in their response that their would not be.

I asked this because I know traditionally ACH blocks and some other blocks only effect subscription type transactions and specific amounts.

I've had a horrible experience with simple.com s customer service over the past 3-6 months. Their customer base has grown but they don't seem to have done much to improve customer service when it comes to what actual authorative figures customers are able to speak with, among other things. 

This is also not the first bad experience I've had with simple.com I had asked repeatedly if a previous dispute could be updated with a additional debit and got nothing but double talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Financial Credit Service, Inc.
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling myself, family and friends for about three weeks starting on XX/XX/XXXX. In both cases detailed messages were left on their machines. Since then they have both been contacted numerous times. I contacted the company on XX/XX/XXXX to figure out what was wrong. They told me I was being sued and I would be served at my workplace. everything sounded fishy, so I decided to do more research before paying them.

Today, XX/XX/XXXX. This company somehow got the number of both my girlfriend and her mom and have been calling repeatedly back to back. They also contacted me 22 times over the course of 3 hours today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 started with Commonwealth placing accounts on my credit report. Upon pulling my report I've noticed charges that don't belong to me. Commonwealth has had over 30 to 45 days to produce documentation Validating that these accounts are mine. And they have not instead theykeep sending me bills. Which is not validating the accounts as being mine. This has been since XX/XX/XXXX and it's now XX/XX/XXXX and its still reporting on my credit report. I contacted XXXX   asking for documentation as well and they have nothing. Just stating that Commonwealth says it's my acct and they can not provide me with information of documentation files they have. XXXX has nothing and states they have nothing. So I'm demanding these accounts be removed for my credit report and not place back on there. This is against the law to place inaccurate items on a consumer credit report without proper validation that the accounts are yours. A Bill is not  documentation and it has been Over the validation deadline. It been months and I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Collection Service Center, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing a medical bill that was paid. I wrote to the Collection Service Center on XX/XX/2018 and XX/XX/2018 after prior correspondence with the medical service, XXXX XXXX XXXX. 

On XX/XX/2018, I was billed by XXXX/XXXX  for dates of service : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 in the amount of {$150.00} which I paid on my VISA card number XXXX XXXX XXXX XXXX, which was charged to my account on XX/XX/2018. See the attached proofs showing the bill, the payment and charge to my debit account. 

Therefore my account was paid up to XX/XX/2018. The bills from XXXX/XXXX never show this payment as a credit towards the account. 

I had additional treatments on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/2018. That is 6 sessions at {$77.00} leaving a balance of {$460.00} due. I authorized payment on my card for this amount, and showed proof of the second charge to my HSA account for this amount. This has since been paid, therefore, no further payment is due. 

The medical service billed me again for the dates of service XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 after I paid them on the original bill they sent me. 

The collection service responded to me on XX/XX/2018 with a copy of a ledger that shows my treatments and a patient balance of XXXX. The ledger has a sub-ledger on the last page showing I owe {$530.00} which I continue to dispute. I have contended the ledger they send me is contradictory and makes no sense given the billing I received and paid. 

The collection service is proceeding forward against me for an account that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Public record information inaccurate

Complaint:
Equifax has many inaccurate information on my credit report that I would like to be removed. Ive reached out the the company and nothing was resolved. I would like for this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely, Credence did not send me anything thereof with my signature therefore I asked that this debt be ruled not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
Hello, We are writing you all as very frustrated customers of Hyundai Motor Finance ( Also known as 'Hyundai Capital America ' ). On XX/XX/2018 I ( XXXX XXXX ) made several call to your customer service department regarding making a payment on my account. At the time I had a total balance due of {$510.00} which included my monthly payment plus late fees. I spoke to the representative on the phone and she informed me all I had to at least pay my normal monthly payment of {$490.00} and I could pay the late fees with my next month bill. Never was I told that if I did no pay the extra {$18.00} that I would still be considered past due. Well, because I was given inaccurate information I carried a balance into XX/XX/XXXX and it was reported on our credit report as 30 days late. This is very upsetting to us because if we were aware of the consequences of paying {$18.00} short we would've made a full payment at that time. Now, our credit scores have dropped drastically and it could prevent us on purchasing our first home next month. We are writing you all to see if there is anything that can be done and this negative reporting be corrected. We do not think it is fair that we are being punished because of an employee error. 




Thanks XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: AR
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:
EQUIFAX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: Eaton Group Attorneys LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
in XX/XX/XXXX my daughter purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX.She asked me if i could co sign for her and since she was my daughter i agreed to help her.The financing was too high for her she realized after she had the car for a couple of months. The rate was too high and she could not get the vehicle refinanced out of my name at an interest rate she could afford and after a few months of struggling to meet the note she returned the vehicle in XXXX XXXX.She had put down {$1400.00} on the purchase and lost that money as well. She not I ever received any kind of paperwork and were never notified that anything else was owed on the vehicle. We were never served any kind of paperwork nor were we given a chance to appear before a judge to dispute the judgment which is now on my name. Until i went to purchase a home 4 years later did I even know there was a judgment against me. The judgment is for over {$14000.00} and I was never served or given notice that this was being filed.I called the attorneys on several occasions the week of XXXX XXXX thru XX/XX/XXXX to find out how that was large amount was still owed after the car was sold. I have never received any paperwork regarding the selling of the car and was willing to make payments on the balance remaining as i suspected it could not be more than {$4000.00} since {$1400.00} was put down and payments had also been received. The car when returned was only 6 months old with minimal miles on it and i did not possibly see how i could owe over {$14000.00} on the car. That meant they would have had to sell a {$22000.00} car for only {$7000.00} which would have been ridiculous for a new car.I never received a return phone call from the EATON GROUP ATTORNEYS LLC OR XXXX the attorney handling this. I would like to see what the car sold for minus the monthly payments made by my daughter plus the {$1400.00} she pd down on the vehicle as i suspect i owed nothing after the car sold or I would have gotten some kind of notice after 4 years stating i still owed something on my daughter 's behalf.I DO NOT SEE HOW ANY JUDGMENT CAN BE FILED AGAINST A PERSON WITHOUT SENDING THEM A NOTICE THAT MUST BE ACKNOWLEDGED THEY RECEIVED.HOW DO COLLECTION ATTORNEYS GET AWAY WITH THIS? 
THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was previously enrolled in a XXXX XXXX XXXX ( XXXX ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX   that my services were withdrawn. XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my XXXX XXXX Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and XXXX XXXX without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. XXXX XXXX is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was previously enrolled in a XXXX XXXX XXXX ( XXXX ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX   that my services were withdrawn. XXXX XXXX ( XXXX, XXXX, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my XXXX XXXX Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and XXXX XXXX without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. XXXX XXXX is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.

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 2018-11-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I have file this report because I'd like to clear my good name.

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