BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I recently attempted to get cable last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 11 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00} XXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX  XX/XX/XXXX {$120.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2021-09-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX calls me extremely frequently dispite me requesting them call me outside of work hours. I gave them specific days and times to discuss matters with me but still they call. They call me on Sundays, they also call me Saturdays and past XXXX. They use fake phone numbers to contact me with local phone numbers so I mistake them for my clients while I am at work. I have asked them numerous times to not contact me via phone on weekends, yet they still do. I requested they only contact me via writing, they do not. It is harassment at this point.

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 2016-07-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Wells Fargo Bank made an unauthorized draft against my business checking account last night : XXXX/XXXX/2016 DEBIT WELLS FARGO CARD PHONE PYMT - ********** {$400.00} ( {$270.00} ) This unauthorized access to funds in my account resulted in my account being overdrawn. In addition to this, other legitimate transactions were posted to my account after it was overdrawn and overdraft fees in the amount of {$65.00} were assessed by my bank. 

Fortunately, I discovered this situation this morning and my bank is being very helpful in addressing it. I have been using the phone payment feature at Wells Fargo for the past several months, but this most recent draft against my account was absolutely unauthorized. I had not had any communication with any person representing Wells Fargo to authorize this. 

This is actually not the first time such a thing has happened. The first time was confusion about how many electronic drafts I had authorized ( I had authorized XXXX payment, but because of poor communications I can see how they have plausible cover thinking I had authorized XXXX ). 

This time, there was zero communication between myself and Wells Fargo, only an electronic draft issued last night in the amount of {$400.00}, which I discovered this morning. 

I have had a history of slow payment on this account and Wells Fargo has normally been reasonable about letting me get the account caught back up. 

I happen to be still behind schedule ; I am currently due for two month 's payments after having been even further behind during the winter months. 

No doubt this is the reason someone at Wells Fargo made the decision to access my bank account without authorization from me. 

I understand Wells Fargo 's expectation to be paid but they are not authorized to access my bank account without my permission, as they did last night. I note that this transaction occurred across state lines. 

My bank is taking care of the immediate matter by refusing the draft from Wells Fargo and by crediting my bank account in the amount of the returned items fees I was assessed after my account was emptied by Wells Fargo.

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 2021-09-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( XXXX, XXXX, AND EXPERIAN ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.

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 2021-09-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I mailed physical copies of my original bankruptcy filing to Experian, XXXX, and XXXX to demonstrate that they were reporting an inaccurate date and that the ten-year period is expired. Specifically, the Chapter XXXX bankruptcy filed in XXXX relates back to the XXXX Chapter XXXX bankruptcy that I filed but was dismissed without prejudice due to my hospitalization and health issues shortly after filing. Therefore, I requested that the bankruptcy be removed from each of my credit reports. 

1. XXXX promptly removed the bankruptcy 2. XXXX reported the bankruptcy as " verified '' 3. Experian had the temerity to respond that their information ( likely from XXXX ) was correct. In other words, their privately harvested data is more accurate than a federal court order ( uploaded herewith ) I am filing suit in federal district court tomorrow. The number of inaccuracies, aside from the bankruptcy issue, combined with the number and frequency of inaccurate reporting by these agencies across the nation creates and perpetuates systemic economic disenfranchisement that disproportionately impacts people of 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 2021-09-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 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 Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: OK
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have filed disputes with Transunion about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction

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 2021-09-26
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name is violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a veteran. The VA approved payment of all my medical bills that are being charged to myself in this bill. The VA tells me to have the company send them the medical bill so they can pay it. However, no matter how many times I attempt the company with the address to send the bill, they ignore me and continue to send me the bill.

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 2017-08-15
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX used extremely aggresive legal tactics to collect on a Discover Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though Discover and XXXX XXXX XXXX knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed a XXXX XXXX XXXX XXXX/XXXX/XXXX through Drive Financial XXXX for XXXX payments of {$650.00} first payment coming due XXXX/XXXX/XXXX. Total of payments at maturity would be {$46000.00}. Sometime thereafter, Santander Consumer USA bought the contract. My maturity should have been XXXX/XXXX/XXXX XXXX changed due date from XXXX to XXXX ) However, due to XXXX extensions/defferals ( job related issues, will elaberate when necassary ) it was changed to XXXX/XXXX/XXXX & all subsequent statements reflect that date. At the time of my XXXX XXXX statement, it showed that I still owed over {$10000.00}!!! Also, from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX XXXX 14 months XXXX my balance did not change!! I 've continued to make payments to avoid a possible repossession & as of my last payment XXXX/XXXX/XXXX they 're still saying I owe {$8500.00}. I 've added up all payments from my payment history & total monies I 've paid Sanatnder is {$49000.00} which is {$3000.00} over what my contract calls for!! Their contract reads that they can apply the payment to either the Finance Charge or Principal Balance or to any other balances I owe, " in any order they choose '' & it seems they 've done just that!! 

I 've lived up to my committment on this contract & feel that I 'm no longer obligated nor willing to pay them another cent! I ca n't afford another vehicle & looked forward to paying off this vehicle to have breathing room within my budget! No matter who you talk to at Santander, they ca n't give any explanation & have no clue as to what 's happening & stick to some pre-written script to answer questions. 

This company has XXXX complaints filed against them with the BBB XXXX XXXX XXXX XXXX XXXX websites just to name a few. Numerous suits have been filed, including the United States Dept. of Justice case that was settled XXXX due to violating the Servicemembers Civil Relief Act ( SCRA ), suits involving the Telephone Consumer Protection Act ( TCPA ). The list goes on & on!!! I 've contacted the Texas State Attorney Generals office & they seem blind & oblivous to this company. How can this be when they 're locate din XXXX?? 

I 'm one of many individuals that need help in getting whatever I 've overpaid AND my title! I have all supporting documents needed upon request. 

Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the items listed below a couple of times. What I have asked Equifax to do is to verify the Date of First Delinquency ( DFD ) for each of these creditors. Equifax has not done this. I have recieved nothing to affirm that this information has been verified. How can I verify that they have actually investigated this information rather than rubber stamping. I stopped paying my creditors around XX/XX/XXXX. How is it that these creditors are all reporting the Date of First Delinquency differently If I stopped paying these bills at the SAME TIME? 
-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX -The original creditor, XXXX XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX XXXX The original creditor, XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX Line of Credit *reporting XX/XX/XXXX-XXXX *XX/XX/XXXX ... ..Date opened XX/XX/XXXX ... I never paid on this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2021 I sent a letter about inaccurate & unknown items that are listed on my credit report. I initially received a letter saying the accounts are accurate and have been verified. Despite three written requests after, the unverified items still remain on my credit report in violation of Federal Law. The bureaus are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of the bureau 's first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, the bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA the bureaus are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
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: Their investigation did not fix an error on your report

Complaint:
I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( XXXX, EQUIFAX, AND XXXX ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( TRANSUNION, XXXX, AND XXXX ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.

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 2021-09-26
Company: Experian Information Solutions Inc.
State: MA
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:
On XXXX, attorney, collection agency add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit reporting agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2020-04-03
Company: Experian Information Solutions Inc.
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:
To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out 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 2017-02-14
Company: Conduent Incorporated
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I noticed the balance on my account was less than I expected and inspected my statement online to learn that XXXX fraudulent charges occurred on my account. The charges were dated XX/XX/2016 and I reported this to my Debit card provider on XX/XX/2016. A few months later I was notified that the claim was closed due to me not sending back documentation about the claim that they mailed me. I never received what they sail was mailed. I contacted them again to re-open the claim and I sent the documentation they were missing to complete processing my claim. I received a denial because they are saying the documentation was received outside of the 60 day window to report a claim. The claim was initially reported 5 days after the fraud occurred! This was also a well know and highly publicized breech that occurred with XXXX in New York! I feel like they are giving me the run around to keep my money which is child support for my children. Please make them give me a refund immediately. 
Thank you for any assistance you may be able to provide.

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