BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Partners Financial Services 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:
PARTNERS FINANCIAL/XXXX {$8200.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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 fraud alerts or security freezes

Complaint:
Experian is refusing to remove a fraud alert. They say I gave them the wrong social security number when I requested it be removed. That is not true. I triple checked my forms for accuracy. I am in the process of refinancing my mortgage and they are holding up the process.

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 2020-06-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried to speak to SYNCHRONY BANK to no avail. They are trying to charge late fees of a debt owed that has been in good standing. The Governor of Michigan shut down the State for 90 days, and i tried to talk with Synchrony Bank twice since the COVID-19 and SPOKE TO FOREIGN CALL CENTERS AND WAITED ON HOLD ETC. 

I asked to speak with management today XX/XX/2020 at XXXX and was hung up on after waiting on hold for 15 minutes. The CSR was of XXXX Decent Named XXXX. 

All that said, if these financial institutions think they are going to bully the consumers from Government Shut Downs they are sadly mistaken and if they mess with my CREDIT SCORE there will be more involved then a simple request in XXXX period.

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 2020-06-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
ChexSystems Attn : Consumer Relations XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX RE : Account Abuse ; UNPAID in the amount of {$330.00} reported by XXXX  XXXX XXXX on XX/XX/XXXX ( RTN : XXXX # : XXXX ) To Whom It May Concern : This letter is regarding reference number : Above reference ACCOUNT ABUSE/UNPAID ACCOUNT under my name, social security number and Georgia Drivers License Number. This is a formal letter that your claim is disputed. 
This account was PAID IN FULL on XX/XX/XXXX. I have accompanied a copy of that payment to XXXX  XXXX XXXX ; Therefore, I am requesting the immediate removal from your records. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations ( 15 USC 169e ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX or XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX DL : XXXX GA Page 2 of 2 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : 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 2021-11-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I always check my credit history and found that I had a collection for a utility company in XXXX Texas. Ive always lived in XXXX Texas and attended college here in XXXX. I have no connection or tie to any of the debt that is owed to midland kollections. I have never lived outside of XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Pioneer Credit Services obtained a debt in XXXX and sent notice to an address last reported by my credit report in XX/XX/XXXX. When I received the first notice from them postmarkedXXXX/XXXX to my current address ( as reported on my credit report starting XXXX ) it was a notice for XXXX and an opportunity to request a hearing. I contacted them immediately and asked for proof of debt. The requested for records, but threatened to continue to advance in garnishing my wages as the 30 day window after they obtained my debt, was the window I had for requesting validation. Had they not sent the notice of debt accrual to a known 4 year old address I would have responded requesting validation of debt within Pioneer Credit Services time frame. Now since they are threatening to garnish my wages, I have to request a hearing in court. I have filed disputes with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX XXXX Account No. XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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:
Closed accounts that I have had are still reporting hard inquires on my credit report.

Closed accounts that I have had and are paid are still reporting hard inquires on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I went on a Cruise with XXXX and notice a discrepancy with my Blue Bird XXXX that reflected duplicate billing activity. I immediately contacted American Express Bluebird XXXX at XXXX and informed the Service representative of the incorrect Holds placed on the account by XXXX. I was told at this time that I needed them to provide documentation stating that these holds were in error. I contacted XXXX Guest Care Team at XXXX and was told their procedure was to fax this information to provide immediate release of these Holds on my Debit Card. I contacted American Express Bluebird XXXX XXXX at XXXX and requested a fax number and was told there was no fax number. I asked to speak with a supervisor who also told me there was no fax number. So I googled American Express and contacted them at XXXX and asked for a fax number to remove the holds on the XXXX XXXX. I was given a Fax number to their XXXX XXXX XXXX and the XXXX Representative stated she was forwarding the information to the department that handles these concerns. The above actions took place on XX/XX/2016. Today, XX/XX/2016, I contacted XXXX to inquire if they had faxed the information and was told it was sent XXXX XXXX, 2016 and they had a confirmation. I then contacted American Express Bluebird XXXX at XXXX and was told the fax was not according to their policy and the Holds on my XXXX XXXX would remain until XX/XX/XXXX. The XXXX Representative continuously stated their 30 day hold without justification for an erroneous hold. Therefore, I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX IN THE EVENING TIME I HAD LOGGED INTO MY BANK OF AMERICA ACCOUNT ONLINE TO SEE THAT THERE WERE FRAUDULENT CHARGES FROM A XXXX XXXX A XXXX IN THE TOTAL AMOUNT OF XXXX. AS SOON AS I SAW THIS AND REALIZED THAT MY DEBIT CARD HAD BEEN STOLEN FROM ME BY WHO I STILL PRESUME TO BE IN CONNECTION TO MY OLD ROOMMATE AND HER FRIENDS. BANK OF AMERICA IS NOT 24 HOURS SO I COULD NOT GET IN TOUCH WITH ANYONE BUT THE AUTOMATED PHONE SYSTEM SAYING TO CALL BACK DURING BUSINESS HOURS. 
SO THE ONLY THING I COULD DO TO PREVENT ANYMORE FRAUDULENT CHARGES IN MY ACCOUNT WAS TO LOCK THE CARD WHICH A FEATURE THAT BANK OF AMERICA HAS ONLINE TO PREVENT USAGE OF THE CARD. I CALL THE NEXT BUSINESS DAY TO DISPUTE THE TRANSACTIONS AND A COUPLE OF DAYS LATER I WAS REFUNDED HALF OF THE AMOUNT IN WHICH BANK OF AMERICA A COUPLE OF WEEKS LATER HAD TAKEN BACK THE CREDITS REFUNDED IN THE AMOUNT OF {$1500.00} SAYING THAT NO ERROR HAD OCCURRED BECAUSE MY PIN WAS TYPED IN CORRECTLY ALLEGEDLY WHEN I AM THE ONLY AUTHORIZED USER HOWEVER DUE TO BEING OUT ON THE WEEKEND, IT WAS POSSIBLE FOR SOMEONE TO HAVE BEEN OVERLOOKING MY SHOULDERS BECAUSE THAT IS THE SAME TIME THAT MY CARD WENT MISSING WHEN I WAS WITH A GROUP OF FRIENDS AND FRIENDS OF FRIENDS. I HAVE ASKED THEM TO TAKE ANOTHER LOOK AT THE CASE AS THIS WAS CLEARLY FRAUDULENT AND SOMEONE HAD COMPROMISED MY INFORMATION TO EXTRACT FUNDS THAT I HAD NO PRIOR KNOWLEDGE TO NOR HAVE DEALT WITH BEFORE AND SO BANK OF AMERICA DENIED MY CLAIM AND REFUSED TO GIVE ME MY MONEY AND STILL IS AN ONGOING FIGHT TO GET MY MONEY BACK THAT I DID NOT PARTICIPATE IN OBTAINING AND THAT I AM A VICTIM OF FRAUD.

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 2020-06-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt. 

Furthermore, I formally dispute the validity of this debt. Please provide me with documentation that supports why you believe this debt belongs to me, and why you believe I owe this {$76.00} amount. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc. 

You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act ( FCRA ).

Thank you for your attention to this matter.

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 2016-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 I was notified by Bank of America , N.A . that the flood insurance on my property in North Carolina had " expired or was canceled '' and XXXX threatened to purchase flood insurance on my behalf. Due a medical family emergency I was away from home and unable to attend to personal matters until recently. I contacted XXXX on XXXX XXXX and XXXX, ahead of their XXXX XXXX, 2016 deadline and offered to email the insurance documentation to them since I did not have fax access from the hospital. I was informed that this would be too late since there was a 10-day processing time - something not mentioned in the notification to me. My XXXX company subsequently faxed the information on the XXXX, but again this will not allow for the processing time, BOA suddenly demanded. This is an annual occurrence with XXXX and while they have held my mortgage for several years, BOA claims annually that the flood insurance has either been discontinued or is insufficient - which is clearly not the case. I own XXXX other properties, however, have never experienced any problems such as I do with BOA. BOA 's predatory lending and insurance practices are simply unacceptable and it is a way for XXXX to essentially enrich their business by " purchasing flood insurance on my behalf ''.

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 2020-06-10
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 was made aware of some accounts reflecting negatively on my credit report today XX/XX/20 because I got my credit ran to see if I qualified for a home loan. I had no idea there were accounts in negative standing on my credit because none of those accounts belong to me. I did not open any of those accounts nor did I give anyone permission to open those accounts on my behalf. I did not benefit anything from any of those accounts nor did I ever make any payments towards any of those accounts. I do not have any written or verbal contract with any of those companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these suspicious 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 2017-10-12
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:
I have filed disputes with equifax in XXXX and XXXX, to no avail has any of my information been corrected. My credit file has actually almost completely disappeared, I 've went from 56 trade lines down to 5 trade lines which has hurt my credit standing, caused me to get higher interest rates and/or denied credit. 
I rcvd an email that my most recent dispute has been completed on XXXX/XXXX/XXXX but, I am unable to check to see the results of this dispute due to there system not recognizing me because of the inaccurate information they have. Equifax is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. 

Equifax are states they used NexisLexis to validate two public records, A Bankruptcy, and a Tax Lien which reports on my credit report inaccurately, but when I contact XXXX XXXX am told that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that Equifax is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.

Company response to consumer: Closed with non-monetary relief