BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Wyndham Rewards Earner Card was offered to me with 15 months interest free APR on balance transfers and all purchases. After several months, now this company is not honoring the interest free account on purchases as agreed. 
Also, they are attempting to rip me off the XXXX points I am due for listening to a Wyndham XXXX XXXX presentation last month. I was told the points would automatically be placed on my Wyndham Reward account. It was not. Now I am on online and there is no location in my account to " enter the 10 -digit Points Pack activation code. This is a rip off. There is no place in my account to place this code. This company is really corrupt. I regret the fact that Wyndham is so dishonest and many of their hotels are filthy. I want the XXXX rewards points added to my Wyndham Rewards account and for the interest I was charged returned by to me in the form of a check as soon as possible. I got this account to charge purchases interest free for 15 months. A very dishonest company!!!!!

I have called and called and no one from the Corporate Office will call me back.

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 2020-05-01
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:
I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. 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 explanation
Consumer complaint received 2017-11-23
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:
These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent Franklin Collection Service, INC a letter requesting that they validate a second debt that they have reported to the credit bureau as belonging to me. 

Here is some information about the debt they claim I owe : Date Placed for Collection : XX/XX/2021 Total Amount : XXXX FCSI Case # : XXXX This letter was sent as certified mail. Here is the tracking information : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX, XXXX Instead of providing documentation proving the debt belongs to me and showing how the amount I owed was calculated, or an obligation to pay, Franklin Collection Service, INC. sent back a bill, attempting to use the bill that they created as proof that the debt belongs to me. 

Not only that, but they also furnished and sent ANOTHER document, placing the name of the original hospital they say I owe close to the center, in order to create the false belief that valid documents were sent by or with the assistance of the XXXX XXXX when in reality it was only sent by them which is in direct violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Ideal Collection Services, Inc.
State: FL
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:
a copmany called Ideal collections has been trying to extort me for XXXX   this is the 3rd complaint i am filing, someone used my identuty to rent an apartment, i have proved this was fraid, i have 3 police reports over the past 6 years the company wants the police to do a fraud affidavid or pay XXXX to remove this from my credit, as it states in the attached police report i am a victim of identy theft and the police do not have a fraud affidavid for me to fill out this document does not exist in any police dept as the police so ideal collections is trying to extorant and HAS placed this item on all my reports and will not take it off even with all the identity theft reports from police and IRS i need action ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I opened a credit card through XXXX XXXX XXXX XXXX  for the purchase of a couch. I made my monthly payments on time and have owed a XXXX balance on this card for SEVERAL months prior to receiving a letter on XX/XX/2021 from XXXX XXXX  stating they decided to close my card due to reasons that do not apply to me. I haven't owed them, I paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being XXXX ( which their documentation states XXXX is within range ). So they damaged my credit score further by this decision. I want that corrected. Customer service told me today when contacting them " no one will ever be able to fix the error, the business decision was made based on the details in the letter, I can not help you ''. 
This is BAD business to damage my credit when I was paid in full and on time with this bank. There seems to be no one to contact within the bank that made that decision to appeal or discuss this with, also BAD business. 
I recently was diagnosed with stage XXXX XXXX XXXX and owe approx. XXXX in medical bills. Other than that I pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesn't warrant the bad credit mark? Who can I report XXXX XXXX  to for making this decision and damaging my credit score when I was paid in full with XXXX balance?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that is not mine. Please move them from my credit because I've contacted the FTC and my local police. I'm doing this on my own. XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. There were also some inquiries that are not mine as well 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 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 2019-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
WE have 2 checking accounts with the bank. One day my wife is on her way to work and started to receive tons of messages on her phone. She gets to work and logs onto the account and it stats that we had made a " XXXX '' transfer to someone that we do not know for {$1000.00} & {$900.00} So she calls the bank. She tried a request your money back with XXXX but was only able to do it with the {$1000.00} as it was the only account showing on her end. The bank stated she was online when it happened so she must have helped them. Then they stated she gave personal information away. None of this is true! WE NEVER gave personal information regarding our online banking account. Citizens OFFERS XXXX in their online banking APP and online. They should be protecting us! That is why we use a large bank like CITIZENS as we would expect them to protect our money! Modo : Ensuring the safety of your customer information is as important to us as it is to you. To prevent fraud and shield your critical financial information, Citizens Bank uses a number of powerful security measures to protect you online. We encourage you to learn more about the steps we take to secure your confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is against Equifax credit bureau. I submitted a dispute regarding a fraudulent account from XXXX XXXX XXXX account # XXXX, date open : XXXX with {$0.00} balance. I already filed a police report which Im sending in this complaint and also an FTC ( federal trade comission ) report. XXXX XXXX already sent out information to credit bureaus to delete this account. The other 2 bureaus already removed the fraudulent information from my reports only Equifax is still reflecting the mentioned account. The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my Equifax report as soon as possible due to the fact that it is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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: Information belongs to someone else

Complaint:
I have reached out to you guys several times about items being reported to my credit that aren't mine. Over the course of several months, I've seen things come off, but I've also seen new things reappear. I am looking at my credit report now and there are several new things that are here that are absolutely not mine and I'd like them removed immediately. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DPT ED/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 explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2020 I went to XXXX XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX, they run my credit and that day my credit score went down 68 points!!! 

The same day Capital One Bank run my credit without my authorization, called the bank, they can not give any explanation. 

Also the last 2 months there are 4 hard inquiries coming from " XXXX XXXX ". I never gave any permission to them to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Identify theft report Experian report # 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 2019-10-01
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-10-01
Company: Nationwide Recovery Systems, Ltd
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX I received 4 harassing threading phone calls in one day requesting personal information about myself, saying I have a debt with XXXX. 

I do not know who XXXX is? 
2 of the people identified them self 's XXXX XXXX & XXXX XXXX Nationwide Recovery XXXX XXXX XXXX XXXX TX. XXXX If there is a debt or invoice please email or fax that information without threats. 
Email : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Alpha Recovery Corp
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
CONDESCENDING!!! UNPROFESSIONAL!!! 

Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former client relations manager, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less!

I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check.

As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager. 

From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation.

I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE. I told him he was being condescending and that I didn't appreciate the way I w
as being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me.

I have a chronic illness which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense. 

I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is.

I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: IA
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:
On my credit report, it is showing that I owe XXXX XXXX for two past due accounts in the amounts of {$360.00} and {$160.00} - see information below. I know I paid both of these off to collection agencies that would not stop calling. I am wondering why they are still showing as open on my credit report. The calls have stopped since I paid them off. They have not contacted me about this since I paid it. 

ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX/XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$0.00} {$0.00} {$360.00} XX/XX/XXXX COLLECTION ACCOUNT $ XXXX ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX/XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$0.00} {$0.00} {$160.00} XX/XX/XXXX COLLECTION ACCOUNT {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: NY
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, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX N/A XXXX N/A XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from Convergent regarding a debt in the amount of {$490.00} that was charge-off in XX/XX/2003 ( 13 years ago ). I believe this debt exceeds the statute of limitations under the FDPCA ; however, I requested Convergent to provide proof of the debt. Convergent later follow-up with a letter stating that the debt is valid and included a record that does not correspond with the amount due ( attached ). I believe 1 ) the debt they are trying to collect exceeds the statute of limitations, and 2 ) the amount is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Square Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I opened a Cash App account and used it to buy stock in last year. However, my Cash App account balance changed to Negative on XX/XX/2020 without any reason suddenly. Then, I could not sell my stock, and could not withdraw my money anymore. I tried to contact Cash App support to sell my stock and withdraw my balance, but they told me Your account has been found to be in violation of our [ Terms of Service ( XXXX XXXX XXXX ) ] and has been closed. And they did not explain more details about it, and they never help me to solve my problem.

Company response to consumer: Closed with explanation