BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a problem with Equifax for over 20 years reporting the incorrect information on my credit file. Today,    XXXX   XXXX   XXXX  , I  applied for a loan with my credit union and my score is  XXXX . Equifax has accounts that I have paid in full and on time listed in bankruptcy when they where never included in the bankruptcy. They are reporting accounts I never had and have disputed over and over, they remove them and send be a letter. The next year I pull my report, Equifax has put the accounts back on my report, so I have to file a dispute again. I do n't know what to do, Equifax is used by most banks and if they are constantly reporting the incorrect Score and information on my report it is causing me to be denied or pay a higher interest rate. This is unfair to me. You ca n't call them or speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware is this account. I was not of age when account was even open. I would like this remove from my  credit score .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I reached out to TransUnion today about the following accounts and they would not take care of me. 
XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, CA 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 2019-12-13
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 I file a transaction dispute on my CA XXXX XXXX   card for {$180.00} that is not mine. This transaction was on XX/XX/2019 via pin. The card was with me at all times. The area where the transaction happened is out of my county. I just learned today that my dispute was denied and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently sent a complaint regarding  XXXX   XXXX   XXXX   claim #  XXXX  I had  XXXX  clients transfer money from  XXXX  to my bank  of america  account,  XXXX  claimed it was send,  BOA said  they did not send. After over a month of going back and forth with both banks it was finally revealed that yes the money was sent t o BOA, so  XXXX  did nothing wrong. The problem was with Bank of America, tu  rns out, one of  my other clients, ( actually tenants, I have a property management company ) tried to do a similar transfer using my cell phone number, he went to the branch to set it up, and the branch person instead of having the money sent to my account actually set it up to go into the this guys account and in turn s o did the two ot her tenants from  XXXX  who tried to send me money. ALL WENT INTO ACCOUNT OF THE TENANT.   Had Ba nk of America been upfront and discovered it the day it went in, we would have been fine, and I could have got the money back, instead on at least 10 occasions of me going into the branch and countless hours on the 800 number I was told by Bank of America it  was all the fault of  XXXX  and no money had been sent to any BOA account.   Now that they fess up to it 30 days later, turns out the guy 's account the money went into spent it and does not have it. He is still a tenant of mine and claims he will make payments, he ha s made one for {$600.00} and still owes {$2100.00}. BOA claims it is up to me to get he money, this is BANK OF AMERICAS problem. Can anybody walk into a branch, give a phone number and have money taken from somebody else 's account. This is not acceptable. These banks are quick to charge a customer huge fees when they make a mistake, this is 10x greater then any mistake a customer can make. I need this money put in my account now before i file a major lawsuit. If they want the money f rom the person whose account they put he money into, they can get it. In the meantime I want them to put the remaining {$2100.00} in my account ASAP.

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 2021-06-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The bank calls for payment during the 10 day grace period and everyday after. Some days they called more than once. 
They are literally harassing me at this point, and I don't even make the payments for the truck, just because it's in my name, doesn't mean I pay it! I spoke with XXXX 2 Thursdays In a row and explained who pays the truck and he asked me the same stuff both times. As if he didn't notated anything the first time on that Thursday! I'm tired of getting a phone call from them. The people who pay the truck will not let it go past 30 days because they will not let it hurt my credit! Please take care of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : XXXX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone number not available

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 2021-12-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the last XXXX of months whenever I try to log into my XXXX Credit Card account, managed by Synchrony Bank, I am unable to log in and manage my account due to errors with their sending a security code to my cell phone. They continue to show an old landline number for my account on the log in page. They say they have removed the landline number, but in fact they have not. They say they have reset the page but they have not. 

I believe this is a deliberate attempt by Synchrony Bank to force customers to make payments " as a guest '' instead of being able to log in and see details of their 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 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
My identification was stolen and the person opened a XXXX account and I keep receiving letters regarding fraud charges.

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 2022-04-28
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
ic System sent collection letter XXXX, for Creditor : XXXX XXXX for {$270.00}. 
This is the 3rd company contacting me. 

IDENTITY THEFT My 2020 income tax returns were stolen from US mail.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
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 XXXX # XXXX, has violated my rights. 

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 a account without my written instructions

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 2021-12-10
Company: Rausch Sturm LLP
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: Investigation took more than 30 days

Complaint:
I closed My XXXX XXXX account after 20 years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX  card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. 3 months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " Second Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a lawyer to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a lawyer with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating. 
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 2017-04-17
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing acquired the servicing of my mortgage in XXXX of this year. The mortgage was previously serviced by XXXX. At the time of the servicing transfer, the loan was escrowed for property taxes, but not for hazard insurance. This month, Specialized asked me for proof that I had insurance on the property. I immediately sent them a copy of the declaration page for my insurance policy. The insurance premium had already been paid over a month ago. However, Specialized proceeded to escrow my mortgage for insurance without my permission, they advanced my property tax escrow balance to the insurance company and sent me a letter demanding that I remit a {$1400.00} " escrow shortage '' to them.

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 2021-06-15
Company: NORTHWEST BANCSHARES INC
State: NC
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:
Fraudulent unauthorized inquiry as a result of identity theft is reporting to my personal credit report. On XX/XX/2021 Northwest Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked numerous times to not be contacted and for them to not send out letters from them because they are sending them to my parents address and NOT mine. They have not provided me with accurate information. I just financed XXXX through XXXX XXXX for a auto loan. Not sure why they would approve me for that if I truly had a debt from them go to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Search Q In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 35 days is a reason to remove those things off my credit report immediately. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.

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 2021-06-14
Company: EQUIFAX, INC.
State: MO
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 FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 237 DAYS SINCE I FILED A DISPUTE. I FILLED A 60-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There  XXXX  accounts on my credit which I never had  XXXX  are car loans  XXXX  fo r Santander and a apartment community in which I never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I had a fraud committed on my bank account at Pentagon Federal CreditUnion on XX/XX/2022. As of today, XX/XX/XXXX, no one has contacted us or informed us how they gave away our money so quickly, but now we have no access to the money, it is all we have, and we have bills to pay. We keep getting therunaround. I noticed a wire transfer for {$4100.00} and a {$25.00} wire fee on my account on the XXXX of XXXX, which I did not do. I was told someone called and made the request on the phone. Since then, we have had nothing but roadblocks. They opened a new account hopefully for our funds to be put in, but we do not have access to that account either.

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 2022-03-31
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical Revenue Services is constantly calling me to say I owe a debt but will not provide me with any information regarding the debt. 

They claim to have sent me some information in the mail, but I never received said information. Every time I've asked for information since they've said they are not required to provide me with any additional information and refused to send another letter out. 

I have made repeated attempts to get any information. Any time I mention the FDCPA they immediately shut me down and will not provide me with any information claiming they will lose their job. 

I ask for the basic information. 

Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors I called the Toll Free Number back they called me on to get information. 

I spoke with XXXX different people, only XXXX of them would give me an address, XXXX gave me a first name only, and XXXX gave me a business name. No one would provide the information together. 

They want my information before MAYBE providing me with information. 

It is my understanding that I am protected by the FDCPA and this organization " Medical Revenue Services '' is acting in bad faith by being aggressive, harassing me with multiple calls a day, and refusing to give me any information. 

I made multiple calls today XX/XX/2022 at XXXX, XXXX, XXXX, XXXX, and XXXX. 

Let me state the first call I made at XXXX I said give me a moment to verify my rights via FDCPA they immediately hung up.

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 2021-12-10
Company: Meridian Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Meridian Financial Services , INC has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Meridian Financial Services , INC reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.

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 2017-06-06
Company: Executive Credit Management, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,  2017  I sent Executive Credit Management , Inc a certified letter regarding an account reporting negative to my credit report. The company stated that I owed them {$1200.00}. I do not know this company nor have I ever did business with this company so I sent a validation letter requesting what I owe, how the amounts were calculated, copies of papers that show that I agreed to pay what they claim I owe, and I also requested their license to prove that they can collect in my state. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  from Executive Credit Management , Inc replied to my letter with confirmation that she received a notice from   XXXX   credit bureau regarding my dispute and attached a statement balance  and two papers  from a lease from another company which indeed stated nothing about Executive Credit Management , Inc. Which in no way was validation to the debt I allegedly owe. On  XXXX   XXXX ,    2017  I requested for t he SECOND ti me debt validation with proof of a full lease and legal documents with my signature in contract with Executive Credit Management , inc company or remove the alleged debt from my credit report immediately. On  XXXX   XXXX ,  2017  I then receive another letter from  XXXX   XXXX   ( Manager )   at Executive C redit Management dated  XXXX   XXXX ,    2017  that she received my request for documentation validating a listing on my credit profile for a collection. She is now claiming that the account number is missing the last  XXXX  numbers and she needs more information to find my file, the date they reported this account to my credit report, and the amount of the collection they say I owe.  XXXX   XXXX  mailed me a letter on  XXXX   XXXX ,  2017  with the valid account number from my credit report and when I asked for validation again on  XXXX   XXXX ,  2017  now she is unable to locate my account and now she needs more information from me. I have requested validation twice from this company and I am dealing with the same person,  XXXX   XXXX   ( manager ).

Company response to consumer: Closed with explanation