BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery has been contacting me since last year about a debt last year ( XX/XX/XXXX ) I had an financial advisor and informed them to contact them, their phone number was given. NO notice was received from Midwest and I was not informed by my financial advisor that they had responded to any communication. I began receiving the calls again this year XX/XX/XXXX and I have informed them on more than 2 accounts to verify the account because when I asked them questions about the debt the diverted the conversion and could not give me specific information, they only said that the debt originated in a medical facility in Florida. I told them to validate the account in writing gave them my updated address and I have never received a letter to validate the account. They continue to call without and end to the issue and still have yet to validate the account. As I am aware myself and my financial advisor has paid all my outstanding medical bills and the 3 I have now I am on a payment plan. I am unaware of this debt and can't help to resolve the debt because they have yet to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : XXXX Made by : JPMCB CARD Made on : XX/XX/2018 Made with : Equifax I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: AL
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:
Recently I check my consumer report and see that your company is reporting a credit card that been open in my name. I never gave your company or anyone else authorization to open up this account in my name. I see that it is another person name on the account. I do not know this person and know that this account was open fraudulently. I have tried to work with your company to get this resolve but your company is standing strongly that this account is accurate. I did not sign any document or give permission to have this person and company run my name through any systems. I have been harassed and threated by this company to take legal actions.

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 2023-04-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Im demanding for the removal of a missed payment reported by the Wells Fargo Auto loan for XX/XX/2022 Upon further investigation, it has been revealed that the missed payment was allegedly due to inaccurate account information for a scheduled payment. However, this explanation appears to be implausible as payment can not be scheduled without a verified account on file. It is important to note that a payment can not be scheduled without a verified account on file, which leads to the suspicion that my account was deleted by the Wells Fargo system after I scheduled the payment with a verified 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 2019-02-12
Company: Navient Solutions, LLC.
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:
Navient had informed me that the my payments were current. A credit report showed that i was in good standing in XXXX loans but not the XXXX other loans. I called the customer service rep and they informed me that i was late on XXXX loans, and that i should consider placing the loans on deferrment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is the second complaint I am filing about this matter. Please see the attached sanction on XXXX XXXX XXXX. I have also attached the letter sent by CHASE BANK, which brought me to filing yet another complaint. 

I do not know why Chase continues to give XXXX XXXX XXXX money from my account, when I told them on several occasions that these people stole {$1800.00} from me. They then had the nerve to refund me only {$330.00}. 

I have filed every complaint known to man in XXXX on XXXX XXXX XXXX : The FTC, The FBI 's XXXX, XXXX, and even the state 's bar of these alleged attorneys. 

I am tired of having to deal with reversal of charges because these people are contacting Chase lying. They were not given authorization to debut my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
How are you. I sent a complaint in for COMMON WEALTH FINANCIAL. a few weeks ago you all got it removed from my XXXX  report. I noticed, it is still showing on my XXXX report. if you can kindly get it removed, I would Appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. 
FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX {$6300.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2019-02-12
Company: Fay Servicing, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I spoke with our account representative about the process of submitting a short pay offer. My A/R told me to submit an offer via email with the offer amount and proof of funds, which I did on XX/XX/XXXX. After no response from the A/R I called several times to make sure he had received the email. When I spoke with the A/R via phone about 2 weeks later, he told us that he had misspoken about the process and that he would be emailing me a form to fill out with my offer terms. I did not receive any form and emailed again XX/XX/XXXX to question when I would be getting this form. I never received a form and emailed again XX/XX/XXXX to inquire. After several voicemails that were never returned I called the Customer Service phone number XX/XX/XXXX and was connected to my A/R. He told me he was still waiting for the form from his boss and that he would send it to me before the end of the day. I confirmed my email and phone number with him. I never received a form. I called again XX/XX/XXXX and the A/R told me that my account had been transferred to a different account representative. He instructed me that I needed to resend my offer and proof of funds. He said he would send them to the new A/R. I sent him the information the same day. I left several email for the new A/R and she has never called me back. I called Customer Service again XX/XX/XXXX to confirm the receipt of my offer. The representative could not give me any information and was not able to reach the new A/R. I emailed the A/R again to confirm receipt of my offer and she has not contacted me since then. 

Fay Servicing has been completely unresponsive to me and I feel they are trying to stall in an attempt to avoid dealing with my request. This loan is in jeopardy of going into foreclosure for a second time and this company is letting that happen by not responding to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having trouble with applying to Wells Fargot for any accounts. Whenever, I submit my drives license the text box will not recognize the format of my DL ID Number. It is formatted as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each # represents a. single digit number. Can we get this fixed/? I do not live near a branch to take a visit.

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 2021-03-13
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX {$1200.00} Closed 8 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1200.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Closed 6 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX XXXX XXXX {$25000.00} {$25000.00} inquires : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EQUIFAX MORTGAGE XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Your XXXX credit file is unlocked Lock your XXXX  XXXX XXXX to prevent identity theft. 
Unlocked

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: MS
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:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights Remove XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX Several states such as Texas and Oklahoma have recently passed state legislation on the reporting of medical debts. There are restrictions either dealing with the reporting of medical debts in general, or if a pre-determined good faith estimate was issued before services were performed or after emergency services. Accordingly, I live in such a state where my right are protected from aggressive medical debt collections and their longstanding abusive effects. As in Senate Bill 1037 by Sen. XXXX XXXX, R-XXXX, and Rep. XXXX XXXX XXXX, D-XXXX, which was signed Friday by Gov. XXXX XXXX. The law takes effect immediately and represents a major step in protecting consumers from the longlasting damage that can result from surprise billing in Texas, where patients are at an uncommonly high risk of receiving expensive surprise bills. The law requires the exclusion of medical debt from a patients credit report in limited circumstances : if the patient had health coverage at the time of the health care service and if the collection account is related to billing for an outstanding balancenot including a copayment, deductible or coinsurance owed to an out-of-network emergency care or out-of-network facility-based provider. Your agency must delete all references to medical debt collections effective immediately. 

DELETE THE AFOREMENTIONED MEDICAL DEBT COLLECTION FROM ALL CREDIT BUREAUS!!! 

Thank you for your full consideration in this matter. 

Sincerely, 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 2023-04-03
Company: U.S. BANCORP
State: NC
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:
Account type : AAA Cashback Visa Signature account by U.S. Bank NA. I did not apply for this credit card. My Identity was stole. The letter from the company is dated XX/XX/. I searched for this company on internet and couldnt find address for the company. Ph # on letter is XXXX. Called and phone just rang. If you need copy of letter please let me know?

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 2020-09-17
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am filing this complaint because I have requested in writing that all over payments be applied directly to my principle balance. I was advised that they could not accept a written request to apply my payments as requested. I would have to call on after each payment and verbally state that I want the over payments applied to the principle balance only. This is a waste of my time and I feel that if I put it in writing that should be sufficient enough to have my payments applied as requested. If I forget to call in that will be money in their pockets which is stealing from me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: IL
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 originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. 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 2019-10-30
Company: EQUIFAX, INC.
State: IL
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 originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEAR SYNCB/AMAZON XXXX XXXX ; 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.

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. 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