BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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 these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies.

XXXX  1. Identity Theft XXXX/XXXX  Account XXXX  : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
Disputed a bankruptcy on my credit report. Bankruptcy shows an address belonging to me that is not on my report. Also, I have disputed the accuracy of the report, as the Bankruptcy court acknowledges that they do not verify to the credit reporting agencies, and the FCRA requires that they verify with the originator of the derogatory item. This information can not be obtained from a XXXX party source. Experian has not shown proof of whom they have verified this information with.

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 2019-12-27
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail on XX/XX/2019 from Cedars Business Services alleging that I owe {$410.00} for an XXXX  traffic violation. 

This is completely invalid and is not my debt. 

After calling XXXX and giving the case number, I spoke with someone who said their name was 'XXXX  XXXX  ' who insisted that 'he had information that said I owed them {$410.00} '. 

This is not my debt, I have no idea what this is about and this is extremely dishonest. The letter said that I only have 30 days from the day the letter was sent, XX/XX/2019, to deliver a letter disputing the 'debt '.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX {$1200.00} was transferred out of my Wells XXXX checking acct illegally, without my authorization. It was deemed bank fraud by Wells Fargo. They have admitted that fraud occured on my acct. 
Wells Fargo still has not refunded me the {$1200.00}. I call every day and they tell me that " the credit was given to you, but you ca n't see it online. '' My balance does not reflect {$1200.00} being refunded in my acct. Wells Fargo is corrupt. Please help.

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 2020-04-22
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
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:
My name is XXXX XXXX, I called my debit card company immediately after getting an alert on XXXX or account balance is low. I did NOT Authorize {$510.00} to be transfered from my account. I called immediately filled out paperwork emailed and mailed copys within the timeframe. I want my Money put back on my card Its not right Im not responsible for this happening. I work very hard for my income and I want this fixed. Im very upset everytime I called they say you have to write for response. I did write to the address they gave me for dispute responses and still nothing. I am being taken advantage of and want this corrected Now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27
Company: Bread Financial Holdings, Inc.
State: NC
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 paid off my XXXX XXXX ccount after being dissatisfied with the products and closed the account. Comenity bank charged me a fee {$25.00}. I could not call the bank only XXXX XXXX accepted the calls and I had to write Comenity only with my complaint. I received a response telling me to give evidence of my phone communication, which I did. I paid the bill after it reached {$110.00}. and attempted to resolve the issue and ask them to return my money once u sent them the transcripts proving there was phone communication to close the account and pay off debt. Commenity bank has ruined my credit and fraudently charged me late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly disputed debt of {$1000.00} that is not mine, which Portfolio Recovery Assoc. claim I owe. In disputing I have repeated requested verification of this debt showing that a legally binding contractual obligation exists between me and the creditor. I have also requested explanation of the claimed amount owed, and how that amount was calculated. I have specifically requested copies of the original credit card application, and documents containing my signature ; of which I have received none. PRA just keeps sending me a copy of an old bill from the " original creditor '' XXXX XXXX. I have disputed this inaccurate data and have requested proper verification of this debt at least five times this summer alone. I sent a final notice on XXXX XXXX, 2017 stating, " This will serve as your final notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all collections with me in regard to the account referenced above. This account remains unverified and should be removed from my credit report immediately. As I am sure you are well aware, under FDCPA section 809 ( b ), you are not allowed to pursue collection activity until the debt is properly validated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX and Enhanced Recovery. I was a XXXX customer for years while living in XXXX. In XXXX, I moved to XXXX and the phone service basically did not work. For 6 months I complained to the company about the dropped calls and no service and there was nothing they did. I kept asking to be let out of the contract so I can get a different phone company because their service did not work well or sometime NOT AT ALL in XXXX at that time. XXXX breached the contract because they did not provide the service I was paying for. I stopped paying for the service because I was not getting any service. They should not be able to charge me for service they could not provide. I was not going to continue to pay for service that I was not receiving. This was in XXXX and this year, their collection agency re-put this on my credit. XXXX would not remove this from my report. This is not fair that a company can keep putting a claim on my account when they are the cause of the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Several account are reporting on my credit history that I have never opened or given my authority to run my credit for 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 explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts.

By law accounts given XXXX can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX  Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated 1XX/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 2019-12-28
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The medical insurance I am covered under was delayed in making a payment to XXXX XXXX XXXX, but eventually paid out. Despite this insurance payout occuring several months ago, I have continued to receive 5-6 calls per day from State Collection Service ( PO Box XXXX, XXXX, WI XXXX ) and have a derogatory mark on my credit report with all three bureaus -- with the exception of XXXX, who reviewed a dispute I opened and removed the collection from my report. XXXX investigated and the debt collector did not agree to remove the collection, so I requested a more thorough investigation. The XXXX investigation is ongoing. My credit has been ruined as a result of this inaccurate collection and the phone calls are bordering on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ref : Synchrony Bank LOWES In XXXX of I received a statement with a BALANCE of {$56.00} which was paid off completely through my bank account on XXXX XXXX, 2017. After paying the debt off through my Bill Pay provider I did not receive any further statements from the company until a couple months ago when they claimed I owed an additional balance of {$53.00} which later was assessed one late fee of {$29.00} and another of {$38.00}. After speaking to them today they did apologize for the error and refunded the fees however after asking them to correct the credit reporting they suggested to file a dispute with their customer service department. The obligation of a creditor is to service a debtor in a manner which correctly and accurately reflects pay history including correcting their errors. My first complaint is that after the payoff was sent and received by Synchrony there  were no additional statements sent to me in reference to a balance but then continued to accrue late fees which is an abusive practice for an amount which was paid in full with proof on my bank statement and per the representatives conversation that they apologize about the inconvenience. Actions such as this are abusive to consumers in many ways due to blindly charging fees, stopping statements, then not acting to correct any erroneous credit reporting. 

Thanks, 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 non-monetary relief
Consumer complaint received 2019-12-28
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
My late father was involved with the Western Union law suite . I am the executor of his estate and the law suite say 's my father is entitled to {$1000.00} per the suit settlement. I have got no where with the attorneys that settled the suite so I have been trying to get Western Union to get this taken care of. I have sent them copies of the law suite and all the paper work showing I am the executor, my fathers death certificate and copy of settlement amount letter. Then they take weeks to respond to return emails then ask me for information I do not have. They are avoiding the law suite settlement payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Currently to pay your loan serviced by Navient over the phone you have to give your full social security number ( SSN ) or your account number. The option of giving my full SSN to the employee that answered my call to verify the account means that this employee  already has access to my SSN and not an abbreviated version of it. It concerns me that people at this level of employment have access to this detailed information. In today 's society with security breaches that seek to steal peoples personal information and the ramification of these known issues gravely concerns me that Navient would open themselves and their customers to such a large liability. The amount of customer service representatives that have access to this information not only nationwide but globally is extremely concerning. I hope my concern gives rise to the potential damage to the more than 12 million debtors that Navient currently services. 

The only employees that should have access to this information should be at the point that they are in litigation about payment of loans. Trying to pay my loan which is reducing my debt and not adding to it should not have such revealing information attached to the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Before XXXX took over my loan I was with SPS ( Select Portfolio Servicing, Inc. Loan # XXXX ) They did a loan medication for me please see attached documents for proof. Apparently when my loan with SPS was transferred payments were missing to XXXX that were not and paid. On XXXX XXXX, 2014 When I spoke to Nationstar from accounting department he noticed that SPS did not send my loan medication documents and a lot of documents were missing including payment history when the transfer took place. When I spoke to XXXX they were not aware that there was a trial period for a Loan modification and approved before the transfer. In the meantime, there were payments and escrow missing which should not. I was told XXXX didnt receive XXXX, XXXX, & XXXX 2014 payments. Of which Proof of payment history showing XXXX and XXXX 2014 was paid to SPS. When XXXX payment was mailed to SPS Ck # XXXX I was told by SPS that they received this payment and will over nigh it to XXXX tracking # XXXX. At first XXXX told me in XXXX 2014 that they did receive the XXXX 2014 payment and even gave me the check number. After 3 weeks when that check didnt cash I called XXXX and was told they did receive the payment, but dont know what happen to it and if I can put a stop payment on it. Well the next day I received from XXXX a letter with the check stating they are returning it because they dont know where that payment belongs too. So on XXXX XXXX, 2014 not only I wrote another check # XXXX replacing ck # XXXX I also mailed XXXX 2014 payment. So Since XXXX 2014 no one has done anything to correct this issue. From XXXX 2014 till XXXX 2014 I was harassed every day or 2nd day that there is payment missing and my account is past due. Each time you get a different person and I had to explain no when they check my account they see notes and tell me we see proof of payment, but we are very sorry no one has done anything with this. I was harassed and was told research will be done and corrected no one did anything. I was told this will take up to 30days to fix the problem. In the mean Time Im being harassed with phones calls and receiving forecloser letters. On XXXX XXXX, 2014 I was harassed so much and stressed out so much from XXXX irresponsible and unprofessional staff that it caused me to go to the ER with a XXXX XXXX of XXXX that they immediately took me in to give me medication thru the XXXX to bring the XXXX XXXX and not cause a XXXX XXXX. And yes XXXX did call me in the morning on XXXX XXXX, 2014. I have  no problem providing proof of documents that I was at the ER that day and what my XXXX XXXX was. As of today I still have not receive reimbursement back for over payment that I was forced to pay to avoid foreclosure. Please help me get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation