BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.

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 2021-07-15
Company: Guglielmo and Associates
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a validation of debt letter to Guglielmo & Associates, XXXX on XX/XX/2020 representing XXXX XXXX. Guglielmo & Associates, XXXX never responded to debt validation letter, nor submitted any information regarding the debt they were attempting to collect within the 30-day timeframe and continued to threaten and pursued legal proceedings. Legal proceedings were filed XX/XX/2020 by Guglielmo & Associates, XXXX representing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ever since XXXX they have hit my credit DAILY as a new creditor, causing my credit score to disintegrate after I have told them repeatedly this is not only an INVALID debt, but that I want proof of my debt to them or any client of theirs. I have sent TWO letters ( tghe 3rd will be sent XX/XX/2018 ) demanding they show me proof of my debt and they have blatantly ignored my request, yet post DAILY to my credit report as I habe gotten notificiations from XXXX, XXXX   XXXX, XXXX XXXX, XXXX, and XXXX DAILY. This tactic is not only demoralizing but downright wrong since I habe asked they prove debt, which they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never had an account with Resurgent Cap Services. I had an account that was paid and closed XX/XX/2013 with XXXX XXXX. I asked Resurgent to send me copy of contract with signature owing this amount to this company with is a 2nd or 3rd party and the company has failed to send me copy of contract that money is owed to them. I am asking for this to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXXXX/XX/XXXXDear Attorney General,I am writing this letter to implore your assistance in resolving the inaccurate reporting of the accounts below on my credit report:Account Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXI have disputed each of these accounts, with the Experian credit bureau, on several occasions, for several DIFFERENT inaccuracies, only to have received a ’canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” each time. On XX/XX/XXXX I sent a request to Experian for ‘’a description of the procedure sed to determine the accuracy and completeness of the information’’, as per my consumer rights, and as per the FCRA Section 611 (a)(6)(B)(iii). I did NOT receive any response from Experian.On XX/XX/XXXX I sent a 2nd letter to Experian to requesting a description of their reinvestigation procedures used to determine the accuracy and completeness of the information, as per my consumer rights, and per the Fair Credit Reporting Act Section 611 (a)(7). The FRCA allows the consumer reporting agencies 15 days to respond to my request. The 15-day period has ended over 2 weeks ago, and I did not receive a description of the methods used to verify these accounts. Instead, I have received another ‘canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” I am asking for your help to correct my credit report, by deleting these accounts. My husband and I are trying to financially prepare for home ownership by Spring XX/XX/XXXX. This is hindering us in our goal for financial independence and home ownership.I have enclosed a copy of the certified mail receipt to confirm Experian received my letter, copies of my letters to Experian, and copy of their response to my requestsThank you for your assistance.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 2020-11-13
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold a oriental antique rug 10x12 on XXXX. The gentleman was sending the rug as a gift to his cousin, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. He was known as XXXX, Phone # XXXX. He offered me : {$14000.00} for the rug plus {$600.00} for a {$500.00} gift card and {$10.00} for handling. I went out and got the {$500.00} gift card. He wanted me to scratch the back of the card and take photos of the front and back and send the pictures to XXXX. So, I did that and got a pending funds alert saying " Hello, XXXX XXXX XXXX '' XXXX XXXX send you {$15000.00} USD, Payment still on pending. You have a pending fund of {$15000.00} USD from your buyer XXXX XXXX. We would like to inform you again that the payment sent from XXXX XXXX not reflected in you PayPal account due o our terms and policy to confirm the XXXX  Gift card of {$500.00} with the receipt and back codes from you so that we would be able to credit your PayPal Account because your money was place on pending by us for security reason. 
Status of Pending Funds : 95 %, Details of Transaction : Transaction id : XXXX, Transaction Amount : {$15000.00} USD, Case # : XXXX. Special Note : This payment will appear in the Activity section of you PayPal immediately you send us the pictures of the XXXX Gift Card of {$500.00} with the receipts pt and Back Codes from you so as to verify it on our XXXX and release the fund into your PayPal account immediately. We are truly sorry for the inconvenience we may have caused you. We are doing this in order to protect the buyer and the seller for a smooth transactions. 
I bought a XXXX Gift Card and put {$500.00} on it. They later also wanted me to get a {$200.00} XXXX gift card. When I saw that, I used the XXXX Gift Card for gas. There was {$500.00} on the card. But after I purchased {$14.00} of gas. It said there was a Rem Bal : {$290.00}. I only took {$14.00} off the card. Someone charged {$190.00} on the card. Maybe it was the people at the XXXX. If this service has my money, why aren't they putting my money in my XXXX paypal account? Am I being scammed. They guy that I was texting back and forth at XXXX is in the XXXX and it happened on XXXX, XXXX XXXX. So, was I being scammed. I got a message from XXXX saying XXXX made me an offer which I accepted. He sent me money. The amount we agreed on was {$15000.00}. He used a paypal service : XXXX. I believe I jumped through the hoops. Now, where's my money. I haven't sent out the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home had a major water leak problem and my insurance company sent me a check for $XXXX   as settlement but the check was made to both me and PennyMac my lien holder.  Repair work was completed 6 weeks ago and PennyMac sent an adjuster to certify that all repairs were done and he did that on XX/XX/XXXX (my claim # is XXXX).  Since then PennyMac has on four occasions told me by phone that MY MONEY was being sent to me,  on the past 3 occasions I was told it was being sent the next day by XXXX since they had been advised that  I was going to be out of the country for an extended time.  I leave tomorrow and no check.  I believe that they are operating unethically and have a practice of withholding clients money to profit from the float .   They are cheating California residents in ways similar to the XXXX XXXX problem.  I strongly request as a large VA Tax payer,  business owner and voter that an investigation be started to see if this is a common practice by PennyMac.   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: MN
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:
I send a letter asking for an investigation to be completed on two collection accounts that are reporting on my credit report. it has more than 30 days  and no response. the letter was mailed on XX/XX/2019. The followup letter was mailed on XX/XX/2019. The dollar amounts on the $XXXX & XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I saw in my report from years ago that I have Medicare because I have XXXX XXXX and this happen years ago. I advised that I'm on Medicare/Medicare back when I went to the Dr . I gave my info to the hospital and I was told it was not filed by the 3rd party. I never knew this was on my acct until I applied for a house. I did a dispute and they denied it twice. I sent the card to the hospital and I thought it was paid. It was not paid and now they have this on my report. I have Medicaid/Medicare and I sent proof. Please have them take it off. The 3rd party is harassing me and I advised them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Comerica
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I couldnt report my card stolen cause I was on hold three hours Before being disconnected. After yall disconnected with me I tried and tried to call and after Id enter the card # it said well transfer you only to get disconnected over and over. I tried to enter my SS # and got the same result. I borrowed my roommates phone to call and I finally got through to a representative to find my card had an alert and also had to call social security to validate my identity and I got no security questions but I was told I would receive a letter to be completed and returned but could not understand the representative because her accent was so thick. Help me get my money back please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: CT
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:
my information was stolen and use to open XXXX XXXXXXXX auto FN account. i contact the credit company and XXXX XXXX and let each know but the account is still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Bread Financial Holdings, Inc.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I purchard XXXX XXXX XXXX From XXXX XXXX XXXX.. 
At time of Purchased I gave two deposits one for {$400.00} from XXXX and second for {$500.00} using my XXXX XXXX XXXX / XXXX XXXX XXXX.. 
After investing XXXX in repairs I find out the car needed additional {$920.00} in mechanical safety repairs that the dealer refused to repair acourding with NJ MV inspection Rules ... 
At that point I returned the car on XX/XX/XXXX to my selling dealer. 
On XX/XX/XXXX My selling dealer XXXX Paid off my installment contract with XXXX Canceling and Voiding this whole deal and any oplagations to said car. 
Since then I have recived my first deposit from XXXX card for {$400.00} Howerver my XXXX XXXX is holding me to the orginal contract that states its a none cancelable contract actording to the seeling dealer however the dealer has canceled the deal making all deposits refunable ... 
The issue I have is with XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Refusing to issue a full refund in the amount of {$500.00} do to a voided purchard of Merchandise ( ie : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi. I SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION AGAIN.

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 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was trying to purchase something and my card was blocked so I called the bank. And I found out my account has been closed. No warning or anything I then proceeded to go inside the branch to collect my money. I walked inside to speak to one of the tellers she discriminated against me and wouldnt give me my money. I never had a negative balance I always kept direct deposits coming through. They never gave me any warning or advance notice and wont give me a reason. This bank is capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other 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:
This debt appeared on my credit report without my knowledge of the debt existing. I do not owe this. I then received threatening phone calls that I was going to jail. Tried to have it removed from my credit report but apparently they have false documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
....I have been a customer of American express for about 8 years,and that would be the Blue bird card by American express/amex....CARD #XXXX.....On XX/XX/2019, my card was "locked", or shut down without my consent, as I tried to make a online purchase.....Yes , I have tried several times to resolve this ordeal, with the  American express, hideous customer service ,and managers.....They refuse to help or acknowledge my complaint......I have money on my card, and at the least I would like that money refunded to me asap!!........I would also like a explanation as to why my card was cut off for no reason!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
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: Information belongs to someone else

Complaint:
I submitted XXXX XXXX XXXX a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to XXXX. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 apologize for the delay in my payments.the financial stress have caused me to fall behind in my payments.as your records indicate I have been a excellent customer with a good payment history until the economy to a dive.i enjoy being a loyal customer and would greatly appreciate it if you give me another chance by deleting the 90 day late payments on XXXX,120 day late payments on XXXX late payments on XXXX120 late payment on XXXX120 day late payments on XXXX120 late payments on XXXX120 late payments on XXXX120 late payments on XXXXthank you for taking the time to read my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I bought my XXXX XXXX phone on XX/XX/2017. I was very excited to have a new phone that had advertised a plethora of amazing features. Including the best camera on the market, and unlimited photo memory. In addition to the top of the line features, XXXX included a leasing feature that was almost too go to be true. With Synchrony Bank you could get approved for the XXXX phone almost immediately and pay 0 % apr for 2 years. Well, as it turned out it was too good to be true. The product that I have received is nothing near to what was advertised. I got a phone that does not even receive text messages or phone calls half of the time! 

I called for help within 30 days and was given the complete run around from XXXX. They have no location where you can return your phone or get help. They have a service center in a remote location who's sole purpose is to deny customer refunds after getting faulty products ( out of their 15 day warranty ) anyone after will have to suffer a {$700.00} loss and get a REFURBISHED replacement of what was supposed to be a WORKING PHONE. 


So in Regards to Synchrony Bank, I had called to report XXXX XXXX False Advertising of providing a working phone and decent service. In hopes that they might protect me with a refund as any other bank would do in a fraudulent situation. Ie. XXXX, XXXX, XXXX XXXX ... All file claims within hours to protect customers. 

What I got was a claim that was filed and a letter that would be returned within 60 days by paper mail. Mind you, I have a life and can not sit and wait all day for paper mail which I did not receive because I had moved. This claim said that ( XXXX did not accept my claim because of the 15 Day Refund policy!!! ) I waited 60 days to hear the same thing XXXX told me about their Fraudulent activity. 

It has been about 7 months with a broken phone, I do not receive important calls or texts ever. They tried to troubleshoot but it still did not work. 

So what I want to know is why XXXX and Synchrony Bank are protecting either 's relaxed approach to customer fraud. I have paid {$700.00} and have been completely scammed by two of America 's biggest retailers. 


All of my calls were recorded, but the only answers I kept getting were the contractual agreements. Well I did not contractually agree to buy a faulty phone.

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 2018-05-10
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt on XX/XX/XXXX and received an email from the company. I am waiting on a Satisfaction of Judgement to be filed. It is now XX/XX/XXXX and I have called several times and left messages each time for the representative XXXX and have not received a call back. I want a satisfaction of judgement to be filed within a reasonable amount of time. I settled with the collector for under what I owed but I paid them so it doesnt matter the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: BB&T CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX thru XX/XX/XXXX BB & T bank received wire from international correspondent bank in XX/XX/XXXX. Since then numerous fees in the amount of $ 97,000.00+ have been requested via email to be paid for release of beneficury funds. These monies are asked to be sent to XXXX XXXX & XXXX and business accounts. upon research business are all small and varied states. All emails come from BB & T board members emails. 

Another person contacted me as he too complained of the same problems with his wire from same correspondent international bank to BB & T.

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