BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
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:
I disputed a charge on a credit card with 5/3 Bank Mastercard. I unfortunately got sucked into a scam with a company called XXXX  that offered services that supposedly helped businesses get small business loans. It turns out they just opened credit cards in my name and told my I could get cash from them. the fee for getting me what turned out to be four consumer credit cards that I could have applied for on my own for free was almost 7,000.00. That fee was charged to the XXXX XXXX that they had opened in my name. When I realized what was going on I called the credit card company and closed the account and asked to dispute the charge. After not hearing anything back for about a month I called to follow up on the dispute. The fraud department informed me that tis kind of charge can not be disputed, and that it ti a XXXX Policy. I asked to speak with someone else and a supervisor came on the line and told me " sorry, you have no recourse, there is no dispute possible with this kind of charge ''. He also told me there was no one else to talk to. I asked him for the contact info at XXXX, was told they did n't have that. I asked who gave the resonce from XXXX and what Department and was told the email was n't signed. He suggested I could XXXX  XXXX and try and get in touch with them. Also that 5/3 considered the charge valid and would be expecting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress SERVE bank acct. 
Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. 
I immediately opened my mobile acct and seen XXXX un-authorized withdrawls were recently made by ATM in the borough XXXX XXXX, NY. 
After placing a freeze on my acct I contacted America Express Serve. 
I notified them that I had experienced this same type of fraud an previous time with my SERVE acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my SERVE card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. 
At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. 

DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY XXXX  XXXX XXXX After making my initial contact with SERVE cust service, I have been unable to reach anyone at the telephone I made the claim. 
Past 10 days the automated number disconnects when you request to beconnected an agent. 
I just received a letter from SERVE stating after their investigation they were declining my claim on card ending XXXX. 
The card with un-authorized charges ended with XXXX. 
Card ending XXXX is the replacement card Ive yet to receive. 
I would appreciate any help you can extend. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish an 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 2022-02-15
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I HAVE NEW INFORMATION. On XX/XX/2022, I notified HAYT, HAYT, and Landau, P.L. to cease communication with me and to only notify me the ( consumer ) that they have terminated further efforts or invoked specified remedy. I also demanded that they validate this debt pursuant to the FDCPA. They have not complied ; they have continued attempts to collect this alleged debt without providing validation of the debt. on XX/XX/2022 I received statements, I notified HAYT, HAYT, and Landau, P.L. that a " statement '' is not an " invoice ''. HAYT, HAYT, and Landau, P. L 's non-compliance has violated my federally protected right to assess and validate the debt FYI ( The 139 paged statement file is too large to attach to the complaint as supporting documents ).

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 2022-07-14
Company: Bread Financial Holdings, 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:
This account has already identified as fraudulent. The credit bureaus have deleted this account after I submitted a ftc report with other supporting documents. On XX/XX/XXXX the company XXXX comenity bank obtain a copy of my credit report without my permission, only to re report this fraudulent account causing my credit to crash! Speaking directly with XXXX comenity bank has gotten my no where! The account in question was open XX/XX/XXXX. The partial account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I made the withdrawals from my funds below. Total overdraft charges were {$72.00} an e-mail notice was not received until after the third day the charges were complete. I did not receive an immediate notification to contact about the first overdraft and prevent the second. Overdraft protection was difficult to find and enroll in, however, I have done this now after calling the bank to request a fee waive of the OD charges. When calling Regions bank  onXX/XX/XXXX. The only refund the bank made was {$18.00}. This leaves me with a {$54.00} overdraft charge.
XX/XX/XXXX Your beginning balance on that date was {$87.00} We received checks, withdrawals and deductions totaling XXXX ... ... ... ... ... ... ... ... ... ... ... ... ...
Check Number : Dollar Amount : Action Taken : OD/NSF Fee Non-check item {$250.00} Item Paid {$36.00} Non-check item {$10.00} Item Paid {$36.00} Total : {$72.00} XX/XX/XXXX Fee Refund {$18.00}

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed a dispute with XXXX about XXXX XXXX. I had called and canceled my service and i was still being billed from XXXX I have tried multiple times to get this removed from XXXX and Transunion. I am not satisfied with the response I have received from TransUnion or XXXX. There in the business of handling people credit as it effects the outcome of buying on credit yet they take no financial responsibility of ruining someones credit. They are quick to post information on someone credit and yet they take there time in determining wrong information on someones credit report and when and if it will be removed. When time is of the essence. Also I feel TransUnion is retaliation because of my prior complaints and have decreased my credit score by XXXX points for a account that I have never been late on I have a good standing and the balance is {$110.00}, XXXX points for XXXX account seems a little excessive.

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 2022-02-15
Company: EQUIFAX, INC.
State: TN
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:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have worked months with Community Loan Servicing to get my Loan modification agreement, I had told them that my loan is being transferred to XXXX XXXX XXXX and I need to get it done before its being transferred so I should not have issues with the new servicer but they kept telling me that the new servicer will have to honor it, I finally got the Loan modification agreement docs on XX/XX/XXXX, I have sent it back on XX/XX/XXXX and Community Loan Servicing had executed it later, the loan was transferred on the XXXX of XX/XX/XXXX and they have not provided the Loan modification agreement information to new servicer which is XXXX XXXX XXXX the new servicer are still waiting for them to give them the information so they can update their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, USDOE/XXXX  Account # XXXX, USDOE/XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX business type Finance other than personal, XXXX business type Banks and XXXX XXXX XXXX XXXX XXXX Account # 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 an 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 2018-05-19
Company: Experian Information Solutions Inc.
State: SC
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:
This company gave false information on their website on how they determine credit approval. It clearly states that they do not perform a credit check, but obtain banking information, and the ability to pay back, and that a social is not needed to apply, with that being said i applied, was denied, and that obtain my credit report which lowered my score, i submitted a dispute to Experian already, but would like the company to remove the HARD INQUIRY since they are the ones who accessed my credit report without my consent. Below is a email between me an a representative of the company : Hi XXXX, Thank you for your message. In the process of completing your application you gave consent for your credit to be pulled by us to complete the evaluation of your application. Because of this we are not able to remove the hard inquiry on your credit report. 

If you wish to dispute the inquiry you can make the request directly with Experian. 

Best, XXXX Team -- XXXX XXXX from XXXX XXXX 
Powered by XXXX  On Tue, XX/XX/2018 at XXXX XXXX, " XXXX XXXX '' XXXX wrote XXXX Please remove the hard inquiry Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX Application Processing XXXX wrote : https XXXX XXXX XXXX XXXX, Thank you for your recent application for credit . We regret that we're unable to approve your application at this time. Your request was given careful consideration and based on the information provided, you were declined for the following reason ( s ) : Did not demonstrate a sufficient ability to pay Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells Fargo secure card {$1200.00} charge off

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 2022-07-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my personal information to obtain a XXXX  XXXX credit card. XXXX  XXXX issued the credit card even though the application address did not match my name and address. The credit card was issued to someone in Illinois, I believe. I have never lived in that state. 
The debt is {$1400.00}. The credit card company turned the debt over to Midland Credit Management. Midland Credit Management is now pursuing collection from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical debt where I had secondary insurance through my mother 's insurance. XXXX XXXX never submitted the remaining amount due to my secondary insurance even though the insurance card was offered to them on two different occasions. When they sent it to collections, I immediately disputed the debt. For over a year representatives from Receivables Management Systems have ignored my dispute letter and now am being informed that I did not meet the 30-day criteria ( I am assuming that the Account Dispute Manager is using my last fax of XXXX XXXX, 2017, as the dispute date ). The initial dispute was sent well within the 30-day period ; however, three different representatives from this company over the past year have done nothing to remedy this. I am attaching all of the information I have in 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 2022-07-14
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
PHEAA XXXX XXXX XXXX. have been persistently harming my consumer credit for years. I made several attempts over the last two years to have Fedloan Serv remove the inaccurate accounts from my credit file/report. I also opted out of forced forbearance due to the " pandemic '' and one month the account was forced into forbearance again, showing I made payments on my consumer report when I have never and will never make payments, these tactics to keep the " assumed debt '' on my credit report well over 7 years has greatly effected me. After notifying them by phone that I do not owe a debt in which Fedloan assumed, I demanded to see an audit trail and the original document of indebtedness to show proof that I do not owe any debt. I also requested proper verification of debt or accounting to be notarized and signed by the accountant over my account. I received a copy some frivolous paperwork that seems to be computer generated, on the back of the last document they sent was a page entitled Direct Loans and also read page 1 of 8 at the bottom with no reference or evidence of a page 2 through 8. This one page document, printed on the back of frivolous small print documents that were printed in repetition, had a computer generated signature of my name. I have not been able to use my credit to obtain a home, personal vehicle, or a lifestyle that is appropriate to educate my son and prepare him for the world. Therefore I am homeless and have suffered financial ruin because of fraudulent practices exercised by FedLoan Serv and other persons under the same corporate control. I was messaged by XXXX that they now have my loan and I also informed them of my past troubles and the lack of evidence to make a claim previously by Fedloan. 
I stand with the provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Equal Credit Opportunity Act, Indigenous

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery is the debt collection place and they havent stopped blowing up my phone since XXXX, even after changing my number, blocking every number they call from. Last phone call was on XXXX XXXX, XXXX at XXXX. They know I have had my identity stolen and am going through the XXXX process and they still wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Took out a loan on XXXX/XXXX/XXXX. Had a death in my family and extensive medical bills and notified them on XXXX/XXXX/XXXX that I had done research on their loans and that they are not legal in Illinois. At that time, I also advised them that I was revoking my ACH authorization and revoked my authorization to contact me via phone and revoked my authorization to contact my references. Received a phone call at both my office and cell phone number on XXXX/XXXX/XXXX. Called them back and reiterated my revocation of ACH and contact. They attempted to debit my checking account via ACH again on XXXX/XXXX/XXXX by which point, they should have been able to stop ACH withdrawls. They contacted me again via phone on XXXX/XXXX/XXXX as well as contacted my references.

Company response to consumer: Closed with monetary relief