BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: DC
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 requested that Equifax,  XXXX ,  XXXX  remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Ma ryland ( c ourthouse ). However, as of  XXXX , this judgment still remains on my credit report. I made a second request to Equifax,  XXXX ,  XXXX  on  XXXX , requesting that the credit reporting agencies remove this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was in the city of XXXX, I tried to make a transaction of {$320.00} and they charged me two times, they said that the card was not going through. I ended up paying cash because they told me the card did not go through. I checked my bank balance on my phone and it showed two transactions of {$550.00} and another one of {$750.00}. I automatically asked the guy why they charged me this amount when the total was only {$320.00} and I had already paid the correct amount In cash. The response was to call my bank and unauthorized the transactions, I called Wells Fargo soliciting both of these transactions to not be authorized which were registered under the claim number # XXXX. The bank credited me {$660.00} while they made the investigation, I called various times for updates on the case and they said that I will receive a letter in the mail regarding the claim. On XX/XX/XXXX, I received a letter from Wells Fargo saying they completed their research and they found that the charges were made by me or someone who I gave permission, and to consider the claim closed, they then took back the credit of {$660.00} that they had sent 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 2021-12-17
Company: Experian Information Solutions Inc.
State: KS
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-09-29
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Trident Asset Management has bought an old account and re-aged it. They are now trying to collect on this time-barred account. They continue to harass me, yet refuse to send validation of the original date of this debt from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: ENOVA INTERNATIONAL, INC.
State: KY
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:
Hello, I received an email on XX/XX/22 stating that I applied for a installment/payday loan with Netcredit.com. I have been a victim of ID theft. I called the company and informed them I did not apply for this. I was instructed to complete a police report, and this would be investigated and removed from my credit report. My police report was submitted on XX/XX/22. I received an email today XX/XX/22, stating that investigation has been completed and that I was the one that applied for the loan. This is Absurd and I am going to obtain an attorney if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this grievance as Ive exhausted communication attempt with ConServe. I created an account to monitor my credit and was alerted to a collection from ConServe that I had no knowledge of as Id received no communcaiton attempts via USPS mail or phone call ( s ). Due to this, did not obtain the full statutory period that would have allowed me to dispute the validity of the debt in question as I did not receive any initial notification regarding the debt prior to the update with the bureaus. Being a Veteran, the GI Bill should have addressed any debts in question for said balance. However, in my haste due to the collection alert, I reached out to ConServe and made the payment with the intent and understanding the collection would be removed from XXXX, XXXX and XXXX on XX/XX/2022 in the amount of {$3700.00} ( account number XXXX ). However, ConServe only updated the bureaus to paid status and did not delete their collection record, which was the agreement. I would like this collection removed from my credit profile post-haste with the bureaus due to erroneous & misleading collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Conn's, Inc.
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
They call up to 38 times a day even after payment arrangements are made and they say they will not contact they use XXXX numbers and local numbers sometimes every 15 minutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have not paid any payments since XXXX 2008 on a dirt bike loan from SYNCB/XXXX. 
The other credit agencies, XXXX and XXXX have taken it off 6 months ago, but XXXX wont take it off. I called up the bank at XXXX XXXX XXXX and they sent it off somewhere 5 years ago, but they are on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received my credit report from XXXX and disputed a collections account from XXXX XXXX XXXX on XX/XX/XXXX. The reason for dispute is that I have no knowledge of this account and I am not responsible for it. The debt on my report is identified as a collection for {$230.00} past due as of XX/XX/XXXX for " XXXX XXXX ''. I got the results of the dispute and it was deleted from my report. I then checked my XXXX report and disputed the same collection account on XX/XX/XXXX. The dispute results came back XX/XX/XXXX and XXXX said they investigated and did not change anything, and rejected the dispute saying the existing information was verified. This company has never contacted me before regarding this debt, EVER. After digging through my files I found a letter from a company called receivables performance management LLC from XX/XX/XXXX for {$230.00} that identifies an Account with XXXX but has a different account number. My report states that this account was opened in XXXX on the XXXX of this year. This is completely inaccurate and I don't know how to get it removed from XXXX. I do not see is on My XXXX and it was deleted from XXXX, but it popped up again showing as a new collection account from the 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 2022-11-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account -XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX Account -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 15 U.S.C 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 non-monetary relief
Consumer complaint received 2016-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened an ING Direct savings account a few years ago online. ING has since been acquired by CapitalOne. My account was automatically converted to a CapitalOne XXXX savings account. I had not logged into my account or made any deposits/withdrawals for some period of time XXXX potentially XXXX years XXXX. During the period of XX/XX/2016 I called CapitalOne to help obtain my log on information. I spoke with a representative who helped me log in and stated that my account was ready to be used. I planned to deposit money into the account every XXXX weeks to save money for a wedding. I made my first deposit of {$750.00} on XXXX. On XX/XX/2016, my account was closed. I called CapitalOne to speak with a representative and ask why my account had been closed. I was informed that my account had been " abandoned '' and my money sent to the XXXX of NJ as unclaimed money. I was instructed to contact the XXXX of NJ to file a claim for unclaimed money. 

I have XXXX issues here : XXXX ) why was I not informed on XX/XX/XXXX that my account had been changed to abandoned, so this would have prevented me from transferring additional funds into the account. XXXX XXXX why would CapitalOne accept a transfer of {$750.00} to an account marked as abandoned. I trusted CapitalOne with my money and to protect my funds. I feel that they have inappropriately robbed or stolen money from me that will be very difficult to re-obtain in any timely fashion, as the XXXX of NJ has no record of receiving my funds yet. CapitalOne has not been helpful in trying to rectify this issue. I believe this to be a violation and misappropriation of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I hold Synchrony Bank fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XXXX/XXXX/16 ). This was for account # XXXX. On XXXX XXXX, 2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XXXX/XXXX/16 ) and none was given as well as they did not place a dispute by consumer on my credit report. Synchrony bank as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then Synchrony Bank sent a letter stating on XXXX/XXXX/16 that the account was sold to XXXX XXXX XXXX XXXX XXXX. I would like this to be removed from my credit report or I will file a lawsuit. Thanks

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 2022-11-21
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXXXXXX XXXX is closed and it is a debt that I had in 2015 in which according to the credit rules and regulations, any credit debt after 7 years should be removed. Furthermore, this debt was included in my bankruptcy. I have reached out to equifax more than once to have this item removed and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I Have Previously Resolved A Dispute Regarding fraud perpetrated against My Target XXXX XXXX. This Resolved Problem has now returned in my current billing statements. I Did Not Make these purchases. I Had A Prior Balance That Had Been Settled On. And I have recently spoken with XXXX from their fraud department. Her attitude was uncaring, firstly. A Massive American Retail Outlet Should Be Concerned On Behalf Of It's Patrons. I have been a victim of fraud : Then I Stated And Succeeded In My Defense and I Have Evidence In The Form Of statements issued by the company That Adjusted My Balance Appropriately and also several statements that show 4 different balances all sent within a 2 week period. I Also Have Payment Receipts And I Would Sincerely Appreciate Knowing The Origin Of these spirulous charges and newly inked illegments ( past or present ). As I Have Not Used their XXXX XXXX since XXXX of this year. Please Help. Thank You Very Much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Myself and my family were actively discouraged from applying for a loan from Navy Federal Credit Union in the late Summer of XXXX, and when we insisted, instead of the {$20000.00} I showed them I needed to pay for my university education and documentation that my family was able to pay back the loan, NFCU only approved a loan for {$10000.00}. Due to a XXXX XXXX XXXX discrimination case against a company in Mississippi, I was explicitly told by the U.S. Department of Justice not to touch the positive balance in my checking account at Navy Federal Credit Union ( Account # XXXX ), only to have the charge put through again, and my account held in negative balance ( of - {$62.00} ). But due to the DOJ 's orders, I did not touch the account until otherwise told to. In late XXXX, just a few days ago, Navy Federal Credit Union wrote off the negative balance and holds me in " not good standing '', and has threatened to close my other checking and savings account at any time, including the private loan for education made with my family. I only had a chance to use half of that {$10000.00} loan due to my XXXX. ( I would include this letter, but they have told me it will be on my XXXX XXXX statement, not due out for another 10 days. ) I believe, because Navy Federal Credit Union knew I was desperate for a loan to cover my educational expenses and solely because they knew I had a XXXX, they only offered me half the amount I needed ( assuming university would be too difficult for me with my XXXX ). I know this for a fact because the banker in the XXXX branch offered the {$20000.00} I needed, then inquired about my specific XXXX, which I declined to answer, as is my federal right, but saw my XXXX. Then, suddenly, the computer said I was only eligible to take a loan for {$10000.00}. I was desperate so I had to take what I could get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by XXXX which is a service offered by PNC bank. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted XXXX directly and THEY stated that I had to contact PNC for a claim. On XX/XX/XXXX, I contacted PNC by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from PNC stating that my claim was denied because the purchase was valid? I am pursuing the original company but PNC needs to offer a certain level of protection to it's customers. Scammers use XXXX because they can get away with ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2021 by USPS certified mail to Equifax, XXXX, and XXXX, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: United Resource Systems, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
UNITED RESOURCE SYSTEMS ACCT : XXXX Total : {$1500.00} Someone stole my identity, got arrested in Mississippi, and received healthcare from at least XXXX XXXX XXXX  XXXX XXXX. 

My identity was stolen please help. 

I know there are probably more bills that are fraudulently in my name this is all I have currently.

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 2021-09-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am a person not a credit repair agency I called experian today at XXXX XXXX central standard at the and talked to a ignorant representative XXXX I asked it fa ha supervisor or boss she has me on hold for over 2 hours and is playin on the phone they be playing games and lyingh messing peoples lives up. I hate dem XXXX and needs my XXXX fixed bcuz this aint even right and dats how people cant be getin XXXX dez XXXX  gone made me not get my furnitute fo my kids and dez sum dum.

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 2021-09-29
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased several items from a website which is no longer existent. Then the confirmation email was not sent and because I ordered a previous items with the merchant. I never received the items. It was explained to me via email which was from a gmail account that shipping would be delayed Nonetheless, my second purchase was not received or recognized on the merchant end and I never received the item Therefore, I submitted a dispute. 

Please see attached the first purchased which was refunded due to none availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Healthcare Revenue Recovery Group by mail, on XX/XX/2021 and identified the debt as a balance of {$65.00} from creditor FL XXXX XXXX XXXX XXXX XXXX. 

I sent a certified letter on XX/XX/2021 responding to their inquiry and challenging the validity of the debt as I had already paid it. This letter was never responded to, nor did the company attempt to contact me beyond the original debt collection letter. 
This was later erroneously reported as a debt to the credit agencies thus damaging my credit fraudulently for a debt that was never verified. 

I have attached the proof of delivery along with the certified letter that was sent.

Company response to consumer: Closed with explanation