BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: ABR Recovery Services LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX my credit score dropped 50 points due to an added debt collection item by ABR Recovery in  the amount of {$1500.00}. My credit report stated I opened the accountXX/XX/XXXX I am not aware of this debt. OnXX/XX/XXXXI sent a certified Letter of Verification of the debt to ABR Recovery LLC which was delivered and accepted on XX/XX/XXXX. I have not received any of the requested information or proof that this debt belongs to me. It is now passed 30 days since I requested the information from ABR Recovery LLC. I am requesting the company to remove the debt collection item from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Agency : ERC is not a bonded agent in the state of Florida. 

Original lender : XXXX XXXX XXXX XXXX Amount : {$130.00} XXXX  acct : XXXX XXXX acct : XXXX Placed for collections XX/XX/2016 I  have attempted multiple calls to this company informing them that this debt does not belong to me. There response is to send me collection letters. Furthermore. I receive daily robo calls from this company, at least 7 per day. I have been at my current address for greater than 5 years and have and at no time in the past have I had an account with att and wireless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: WEICHERT FINANCIAL SERVICES
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have reached out to the mortgage company ( Weichert Financial Services ) two times and they have refused to respond. 

Our mortgage ( balance {$190000.00} ) has been paid in full via refinancing settlement payment in the amount of {$190000.00} resulting in a excess payment of {$960.00}. 

We have three issues : 1 ) -Our activity history initial identified as " interest '' an amount of {$870.00}. This was AFTER our refinancing company obtained a payoff quote and AFTER they paid the full amount. 

2 ) -Weichert Financial Services subsequently " paid '' an Mbs Pool Settlement amount of {$680.00} from our balance. They have been unable to explain what this amount represents and why it was deducted from our refinancing company 's overpayment of the mortgage balance due. 

3 ) -Weichert Financial Services then allocated an amount of {$88.00} to an " Escrow Account, '' however, we have never had an escrow account as part of our mortgage loan Weichert Financial Services . We were subsequently " refunded '' {$88.00} but were never given an explanation why an escrow account was set up, money placed in this account and held by Weichert Financial Services before sending it to us. 

In short, we are still unable to get any response or understand the following transaction history : XX/XX/2020 Escrow refund {$0.00} {$0.00} ( {$88.00} ) {$88.00} {$0.00} {$0.00} XX/XX/2020 Mbs pool settlement {$0.00} {$620.00} {$0.00} {$620.00} {$88.00} {$0.00} XX/XX/2020 Loan paid in full ( cash ) {$190000.00} {$870.00} {$88.00} {$190000.00} {$88.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN RESPONSE TO MY PREVIOUS CFPB COMPLAINT TO YOU, YOU REQUESTED THIS INFORMATION FOR YOUR FRAUDULENT COLLECTION ARS Legal Department XX/XX/XXXX To whom it may concern : As per my XXXX credit report, ARS obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with ARS. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX  : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via EMAIL TO THE CFPB. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX, FL 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 2017-12-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved in store for a XXXX XXXX credit card in XX/XX/XXXX. The bank that the credit was extended through was XXXX XXXX. in XXXX I used the card and paid for purchases that were used. AroundXX/XX/XXXX i was notified through a credit monitoring service that my account had been closed with no explanation. I inquired and within the first few weeks there was n't a reason. After hearing that XXXX XXXX  was apart of the XXXX breach I brought it to the attention of XXXX and asked them if the reason my account was closed was due to me being lower class or not having much money for synchrony or XXXX to protect. I did n't understand how credit was extended and taken back as if I had no right to ask what happened, Around XX/XX/XXXX I received correspondence that my account was closed due to old and past derogatory Items. I informed them when they extended credit to me those items were there why use that as a tool to close the card.

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To Whom It May Concern Without my consent or knowledge my credit report from all three bureaus was pulled as a hard inquiry by a company known as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. My personal statement on my credit reports clearly states that I am a victim of identity theft and I am to be personally contacted before any credit report is pulled on my behalf. My credit has had a credit freeze to not allow for this type of transaction. This is clearly fraud, as I never made contact with this organization for any purpose of any kind.

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 2018-02-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I still continue to receive repeatedly phone call all through the day from WELLS FARGO - ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-06-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX calls repeatedly all through the day ( robo calls ) XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I consumer, XXXX XXXX, entered into a consumer credit transaction with REGIONAL ACCEPTANCE CORPORATION on XX/XX/2022. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but REGIONAL ACCEPTANCE CORPORATION took cash. The finance charge is supposed to include insurance, but REGIONAL ACCEPTANCE CORPORATION made me purchase insurance seperately.

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 2020-12-17
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Paypal illegal activity To Paypal XX/XX/XXXX You have illegally allowed XXXX XXXX  to access my account, and I have tried repeatedly to fix the problem by email, text and phone calls with you and XXXX and neither of you is able to fix the problem, you each blame each other. I am frustrated and going through Covid 19 hardship which you have made worse. 

On XXXX an XXXX purchase was made for XXXX by buyer XXXX and in my account, I contacted XXXX XXXX on XXXX and they stated that they would no longer be using PayPal as a payment method and needed me to list a bank on my XXXX account, which I did, and they deposited a payment for another sale in my bank account, all was working fine. I removed the XXXX and deposited it in my bank account since I no longer needed Paypal in which my paypal account balance was now XXXX. 

On XX/XX/XXXX a buyer is disputing a sale on XXXX saying he received a print damaged, which I am contesting, instead of communicating with me, the buyer made a complaint to XXXX immediately, and then emailed me. I asked for more information and the buyer never replied although he sent photos to XXXX. XXXX without communication with me, immediately withdrew XXXX from my paypal account which resulted in a XXXX, this froze my account and I am unable to add funds, PayPal says because XXXX stopped the payment, which was already deposited, that is why it is frozen, XXXX says the have nothing to do with it, you both work together and have caused this, I will not fix the negative balance, you and XXXX figure it out. 

Then on XX/XX/XXXX XXXX made a fraudulent charge of XXXX for fees was accessed by XXXX thru Paypal to my XXXX XXXX XXXX account, which I did not authorize. This was an echeck which is causing me negative balances on my XXXX XXXX XXXX account, remember I set up another bank account on XXXX for XXXX to access which they never did for the fees, now the XXXX is pending, and you removed that amount from my bank account illegally. 

At this point you and XXXX are working together and ruining me, this must stop. Therefore Effective immediately XX/XX/XXXX, PayPal and XXXX fix the problem, you both caused. You are causing financial hardship. I will pay no more fees to Paypal, remove my XXXX XXXX XXXX Account, never access it again or you will be charged with fraud. And close my Paypal account, send me confirmation that it is closed by email to XXXX. 

For your immediate attention and compliance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reportsXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers XXXX # XXXX this is a violation of HIPPA act and FCRA 609,611 please delete this error.

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Have talked to XXXX they say account shows XXXX sent letter that account closed but web shows XXXX Disputed on line with TransUnion sent letters to XXXX all reporting agencies disputed come back missing payments account past due account was paid in full XX/XX/2020. Wife co owner shows account closed paid in full so not sure why this is happening

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 2021-09-05
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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 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 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 2020-05-08
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a preffered customer of Stage credit card since XXXX they closed my account in XX/XX/XXXX I was able to to get customer service to reopen it in XXXX and then to my surprise I found out yet again stage closed my account XX/XX/XXXX XXXX and this time they said they were unable to open account because it is past the 10 days but i could this reapply is so wrong that company can get away with this during a pandemic when there stores are closed online and none open and they hurt our credit they need to be laws during a crisis to protect consumers against companies like this because another company did this to e as well and I am trying very hard to rebulid my credit not damage it. and all they said was i could reapply all my history lost how cruel!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to 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 2021-09-05
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: Their investigation did not fix an error on your report

Complaint:
I am writing to complain about all three credit bureaus - XXXX XXXX and Transunion.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.

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 2021-09-05
Company: SinglePoint GI
State: NV
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:
XXXX XXXX {$760.00} company name general revenue corporation collection not my debt do not belong me wish it be remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.

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 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2021-09-05
Company: EQUIFAX, INC.
State: IA
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:
To Whom It May Concern Without my consent or knowledge my credit report from all three bureaus was pulled as a hard inquiry by a company known as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. My personal statement on my credit reports clearly states that I am a victim of identity theft and I am to be personally contacted before any credit report is pulled on my behalf. My credit has had a credit freeze to not allow for this type of transaction. This is clearly fraud, as I never made contact with this organization for any purpose of any kind.

Company response to consumer: Closed with explanation