BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a 3 dispute with XXXX XXXX XXXX over false claims that did not belong to me on XX/XX/XXXX. The same false claims are showing up 5 days later on my report once again under a new collection agency known as Capio Partners, the old claims are broken down into 4 different claims now starting from {$100.00}, {$100.00}, {$650.00} and {$180.00}. Capio is attempting to collect fraudulent collection from XXXX as an new collection.False/Negative claims appeared on my credit report between XX/XX/XXXX. Regarding a hospital visit from XXXX that I have never been to. I had no information about the collection agency prior to just appearing on my report. I contacted Capio Partners on XX/XX/XXXX. Reaching REP XXXX who was very unprofessional during the call all because I told XXXX the claims weren't mine he began to interrogate be putting words in my mouth I didn't say as if he was belittling me for trying to straighten false report. I never felt so uncomfortable while speaking with a REP until today. I asked to speak with a supervisor ( XXXX ) located in TX who muted the phone and also insulted me as if I couldn't spell a simple word. Everyone I spoke to was no help which is a headache and so draining when I didn't make the claims and this is the company I have to speak to regarding my negative claims on my report. I shouldn't feel like I'm in an interrogation when speaking with collections agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've had my TJX REWARD card for many years & have used it responsibly. Furthermore, I've never missed or had a late payment. Recently I had my credit limit arbitrarily decreased by a substantial amount ( {$1300.00} ). I had a credit limit of {$1500.00} and now it's {$110.00}. I called the issuer of the credit card, Synchrony Bank & inquired why was my credit limit decreased even though I have an excellent history with the credit card. Furthermore, I advised Synchrony Bank that their action of decreasing my credit limit reduced my credit score by more than 20 points. I was advised that I would get a response addressing my concern but as of todays date no one has contacted me. I have difficulty how creditors treat their customers, on 1 hand they want responsible individuals that pay on time but ON THE OTHER HAND if the consumer doesn't use their card on a regular basis and remain in debt and often have difficulties meeting there financial obligation, those individuals are shielded from arbitrary actions taken on their account. Synchrony Bank DECISION has had a negative impact on my credit score, credit worthiness, & access to future credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
IcalledintomakepaymentonXX/XX/19throughACH,thefundswereneverwithdrawnfrommyaccount.OnXX/XX/19Icontactedcheckingoagaintoadvisethatmyfundsneverwithdrewmyaccount,andtheyadvisedthattherewasanissue,andthattheyneededtoescalateuptomanagementandthatIwouldgetacallback.IwasassuredbycustomerservicethatIwouldn'tbechargedextrainterestandtheoriginaldateforpayoffoftheXX/XX/19wouldbehonored.Ineverdidreceiveacallback,soIcontactedcheckingoonXX/XX/19aspayoffstillwasnotwithdrewfrommyaccount.IwastoldthatIcanpaywithadebitcard,asmybankwouldnotacceptmyACHandthatnowwouldnotbehonoringmyoriginalpayoffandattemptedtodothatandadvisedthatitwasnotbeingacceptedandhadtocontactmybanktoreleaseanyholds.Iknowhaveincurredover200.00ininterest,withoutanyphonecallsfromcheckingotoadvisethattheycouldnotacceptpaymentsfromtheXX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates are falsely reporting to all three credit bureaus ( XXXX, XXXX, and XXXX ) collections in the amounts of {$540.00} and {$830.00} as debt that belongs to me from XXXX XXXX. I have never done business with this company and they have failed to issue documents bearing my signature. Falsely reporting this debt that does not belong to me is against the law and I will be taking further legal action against this company if they fail to stop reporting false debt on my credit reports and the credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use an application called XXXX that allows me to gain access to funds for hours that I have already worked immediately. They have lighting pay and are prompt in removing and immediately adding funds to my account. The application is able to remove the funds that I owe it on my pay day. In order for me to gain access to the funds again my bank has to send updated info to the application. This could take several days. The application helps me keep my accounts balanced and positive while I recover from a debt situation. It provides auto overdraft protection which is critical and one the reasons I LOVE the application. However, if you are counting on the application for an emergency it becomes unreliable because there is always a hold in reporting from the bank. my household income has greatly increased overall and I am about to start looking around for more savvy options with quicker responses times. The bank is costing me the money I am trying to save by working against me.

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 2018-01-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX Deposit to Coinbase of XXXX euros on XX/XX/XXXX and they got my funds on XX/XX/XXXX. In  the platform, it is written that my funds will be on my EUR wallet before XX/XX/XXXX, but it is still pending. I have got multiple tickets and sent them emails, but I have got no response from them. 
Case # XXXX Case # XXXX Case # XXXX This is unacceptable that they freeze my funds for a month without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX, 2017 my bank balance was {$1.00}. I then was charged XXXX for an over draft fee and the balance became - {$33.00}. There was nothing returned and no reason for the over draft because nothing went through that day other then a return fee of {$35.00}. I called and talked with a teller but they could not explain why. There was no reason for this charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for job online and applied for a job after doing the interview and getting the job they sent me a check to deposit in my account and told me to deposit it and order the work materials as I deposited the check instead of telling me to buy stuff from online store or something they told me to XXXX  it to someone and told me that this is the vendor, after that i felt like its a sketchy thing to do and i refused to take the job and then i told them immediately that how do i send your money back and I dont want to take this job and they started threatening me that i am trying to steal their company fund even though i asked them to send it back and i asked them where should i send you a check but they told me they dont trust me and told me to transfer it through XXXX again at that point i got email from thier hr team and told me that they will take actions and file a report and i said i will send your money back as soon the XXXX transfer was completed by me, couple hours later i got notification on my bank account and saw they check they had sent me was disputed and bank had overdrafted my account and took the money from my account so then i realized that they were fraud and they took my money. 


Attached is the id that recruiter sent me And the transaction picture

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 2018-01-10
Company: Credit Karma, LLC
State: MO
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:
XXXX, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: TN
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 written and verbally contacted Experian many times via certified letters and long phone calls requesting them to delete XXXX address that are not mine : XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 

To the best of my knowledge, these addresses belonged to my father who had the same name and who died in XXXX back in XX/XX/2021. I have been very patient with Experian expecting them to remove these detrimental mixed addresses but recently it has come to my attention, by the XXXX police, that these addresses were involved with Identity Thief activities in South Carolina.

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 2018-01-08
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of the a debt thats being reported on my credit report. I 've disputed this asked for verification of the debt and with no response from the company, I called the listed original creditor and informed them and was told I must contact NCC, no one will give me information, I filed a police report and disputed with CRAs, this is ruining my credit and its not my debt! When I call NCC I constantly get transferred and hung up on when they realize im not paying a 2k+ debt that is NOT MINE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: HYUNDAI CAPITAL AMERICA
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 
15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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 am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Knight Adjustment Bureau
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection agency Knight Adjustment Bureau based in Utah. They have placed a {$10000.00} collections account onto my credit report for an account and a company I have no idea of and no dealings with. This is not an account I have ever authorized or been a part of. I feel this is a fraudulent account and company. Furthermore, after calling the company and leaving a detailed message to see what the account is actually for and to dispute it with them, their representative called me hours later on my cell, from his cell. The male representative of Knight Adjustment Bureau ( Utah ) proceeded to tell me that it was extremely illegal to call me to solicit a debt due to my residence being in Oregon. He proceeded to talk to me about my account very reluctant with info and acting like he was doing something wrong. He openly admitted my debt amount while talking to me and that what he was doing was illegal and that he could not legally call me in Oregon to solicit for a debt. I then immediately hung up and called the XXXX credit bureau line. Having no knowledge whatsoever of this charge and account, and after such a strange phone conversation with the Knight representative, I felt compelled to make a complaint and beg your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: VA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I am writing yet again very flustered and disappointed in the responses I have received. I would like to advise on XX/XX/XXXX by Equifax by way of CFPB that my concerns were being addressed and I could expect to receive correspondence in the mail. Today is XX/XX/XXXX and I have yet to receive any responses in the mail outlining my concerns. 

I have attached a copy of my prior submission that was ignored and closed out without resolve. In addition to the violations outlined and recompense requested via affidavit Equifax failed to respond to me in the form of an affidavit which is required therefore another violation. My request is that this invoice be paid immediately by Equifax to avoid any further escalation. I'm fully aware of my rights and violations as outlined and ignored. I'm requesting that Equifax take ownership and complete request to avoid litigation. Check can be submitted to the mailing address. All documentation has been provided in the attached which confirms my mailing address ( utility bill ) as well as the XXXX which confirms the social security number. 

Please stop with the stalling tactics and rectify your wrongdoings. The affidavit of truth is fully notarized and unless response is received addressing each fact, I expect to receive the requested amount for satisfaction of violation. 

Equifax is now civilly liable to pay me for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I called Transunion to update my address and have some inquiries removed from my credit report.I was told that the items take 25 months to fall off but as a courtesy Transunion will remove the items at month 24.I ended the first call with no resolution .I called again on theXX/XX/XXXX to dispute those three items on my report that I had no knowledge of, instead of being helped I was told again that the items fall off in 24 months My credit score should not suffer for inquires on my credit that I did not approve.
Inquires in dispute XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Credit Bureau Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received a derogatory mark on my XXXX credit score from CBCS for the collection of {$140.00} ; account opened XXXX XXXX, 2017. Though this mark shows up on my credit score history, I have yet to receive any paper documentation from the company explaining what company I owe money to or a " Right to Despute '' letter for this debt. I would like to know more information regarding this debt so I will be able to have it paid and removed from my history.

Company response to consumer: Closed with non-monetary relief