BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: SYNCHRONY FINANCIAL
State: TX
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 looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account

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 2021-07-24
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 58 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX sent letter on my behalf to me about the payment errors on my credit report - i seince then since the letter attacthed to my dispute to ALL THREE credit disputes and with more than enough information and evidence - the error has not been corrected

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 2022-01-26
Company: United Resource Systems, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXUNITED RESOURCE SYSTEM sent me a itemized computer printout of a hospital bill which is not legal validation Per FDCPA and never presented a HIPAA waiver letter bearing my name and signature. XXXX XXXX  XXXX never sent me any validation and are in violation of the same laws and has exposed my PHI if this be my debt which violates Gas Privacy Act. Please have these two medical collections removed from ALL CRA reporting for it is preventing me from approval of available financing. These XXXX refuse to legally validate and the CRAs XXXX, XXXX, XXXX. continue to validate after reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second complaint against McCarthy, Burgess & Wolfe. After more than 4 months to send some statements in the mail not proving anything but someone charged a single charge on the card. It did n't prove anything else. They did n't even send an agreement between the business and XXXX XXXX. Their only concern is collecting money on a debt that they purchased from XXXX and it does n't matter that I do n't owe it! This company is trying to collect a debt that I originally disputed with XXXX XXXX XXXX. I never used or activated the credit card but they let someone charge a {$800.00} charge on a card that was never activated and I explained that to XXXX at the time. My question was how can you let someone use a card that was never activated and why are you trying to insist that I pay for a charge that I did n't make and I disputed with the company! I blame XXXX because the card was never suppose to be used without activation first! I tried to solve the matter with the representative but she told me that it did n't matter if the card was activated or not, it was used! I was shocked because for one I did n't make the charge and for two why bother with security and activation process when someone can use the credit card without the owner or company representatives activating the card. This is my second complaint because this collection company sent me copies of statements in the mail claiming that 's verification that I owe this business debt. But it 's not proof that I owe the debt! There is no signatures from company representatives, no activation process, and the charge was n't related to anything with the business. It was only one charge on that card and like I stated previously, it was disputed because it was n't mine and they should n't have let it be charged in a card that was not ever activated by me to authorize use! I also asked the collection company for the agreement between them and XXXX to even be able to contact me about this debt with the amount they purchase the debt for if any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: GU
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 respectfully request the XXXX XXXX to order and approve my application for reconsideration. please see attachment for complaint submitted for references and score references. Thank you for your cooperation and understanding. Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU
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 respectfully request the XXXX XXXX to order and approve my application for reconsideration. please see attachment for complaint submitted for references and score references. Thank you for your cooperation and understanding. Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I bought a {$500.00} visa gift card issued by BlackHawk Network , Inc on XX/XX/XXXX. 
One week later, I didn't receive it and I asked customer service for help. They told me to wait for 15 business days. 
On XX/XX/XXXX, I still didn't receive the card and I asked customer service to open a case to reissue the card to me. 
On XX/XX/XXXX, they told me the card has been registered and used and the only way I could do is to start a dispute process. 
On XX/XX/XXXX, I called their dispute team and tried to open a dispute case. However, their dispute team told me since I didn't receive the card and they can not honor a dispute process. 
There are several questions : 1 ) They said the card is activated under my name. However, the information needed for registration is card number, expiration date, 3-digit code on the back of the card, cardholder 's name and address. All these are either directly on the card or on the envelope. They can not prove it is me who registered the card since they didn't verify through a phone call, text or pin. 
2 ) Since it is impossible to prove it is me that registered the card, all the transaction made via the card is not authorized by me. 
3 ) They refused to dispute and reissue the card and thus I believe this is a fraud company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MO
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

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 2022-06-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello guys, I have been disputing accounts with the credit bureaus and they have not given me an answer on the status of the disputes. 

And also notice that they indicate that " They have not been able to verify my identity '' when from the beginning I have sent them all the required documentation. 

I want them to open an investigation immediately with the accounts they are reporting to me. And I don't want them to keep playing with my time by insinuating that I'm not the one disputing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is playing games, 1. We were in the middle of a open BK and they were aware 2. Wells Fargo set a FC date when we didnt have BK Court approval to sell yet.

3. They kept harassing tenants who ended up breaking the rental agreement 4. They were aware of the issues on title and our WF rep who calls was aware of the BK filing and the issues with title.

5. They are refusing to cooper rate 6. They caused the first buyer to walk by having people trespass and harass the tenants 7. They are refusing to work with us on the short sale even though we have had approval that conflicted with the bankruptcy not allowing time to close 8. They were informed of our process many times on recorded phone calls. 
9. They hadnt done anything for years with the home, now they are pushing to FC on it.

9. We had a approval for the last buyer, and they were informed that we had not had BK COURTS approval and refused to give them an extension on the purchase giving them 20 days to close which would violate the TIL laws. The lien removals will take about 3 days, and the process was started. They were informed.

10. Because of their games, we had to get a new buyer who has agree to the terms of the prior approval. We can close in about 70 days or 30 after the Bank Bankruptcy lien stripping is done. Please have them cooperate and work with us.

11. we have a XXXX XXXX approved price 12. complaint has been filed with XXXX XXXX 13. complaint being filed will BANKRUPTCY COURTS 14. complaint is being filed with attorney generals office and DFI AND STATE OF WA 15. LOOK AT THE FILING DATES OF THE BK, THE  APPROVAL AND APPROVAL FROM COURTS AND FILING TO REMOVE THE LIENS.

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 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second complaint in only 1 day against TransUnion. I had 36 mistakes just this year in my file with TransUnion and I called so many times, they regularary hung up on me because they don't care. 

This time is that on XX/XX/XXXX, finally my score went up 69 points because I paid my credit cards. I did not know, being immigrant from XXXX, that in the USA, you should not spend more than 20 % of the amount of your credit cards limit. What's the point - it is so stupid. If you have an emergency, let 's say the dentist, you pay with your credit card, and it was not enough to be in pain because of a tooth, that you need to lose point from your credit score. - Where is the logic. 

In any event, I increased 69 points, but on XX/XX/2019, I lost 79 points for no reason that I can see, I did not spend on credit cards, I did not have a new debts. I called a supervisor in the USA, he did not give me his name, he told me that the reason is that I had two ACCOUNTS, yes two ACCOUNTS and they were merged and my score decreased of 79 points. I was fuming, how it is possible to have two accounts, it's not a bank account, it's my credit score linked with what? my Social Security Number. And as everyone else I have only one SSN.

He told me that, of course, there's nothing else to do and he put an end at the conversation and hung up.

If it's the case, that means that TransUnion only as Reporting Agency merged my XXXX Social Security Number with the USA ones. This is not acceptable, both countries has different laws and Credit Bureaus in XXXX are not important at all, certainly not like in the USA. By law in XXXX, our SSN can not be disclose easily, so if TransUnion used my SSN from XXXX, they are in an illegal position with XXXX. There's always a disclosure in XXXX on that card saying that this number and card belong exclusively to the Government. In any event, XXXX and USA are two different countries and totally two different court systems and different laws. Again it is only TransUnion who does that kind of thing, always trying to destyroy someone aggressively, but always pretending to report only.

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 2017-07-24
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I attempted to buy a {$50.00} gift card online from XXXX on X/XX/2017. I received an email from the company alerting me that my order was declined and that I would be charged a {$1.00} preauthorization fee from the debit account I gave them. It simply states " We understand this is frustrating, but in order to provide our customers with the highest level of security, we can not share any further information. '' There was no reason for the order to be denied as the account had more than enough funds to complete it. I searched this company afterwards, and it appears others have faced the same issue of money being charged from their accounts and their orders being denied. I believe this company is doing this repeatedly to extract payments from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I surrendered my car in XX/XX/2021. I was contacted by Tidewater after they sold the car for 4,000. They call me repeatedly telling me I owe 16,000. They have even called my landlord asking questions about me and telling them that I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After filing a complaint with your office regarding an incorrect collection account on my credit file, I received notice from you and from the collection co ( XXXX XXXX XXXX ), I called Equifax and they refused to confirm for me that it was removed from my file. Your complaint number is XXXX. I spoke to two representatives with Equifax today, and both gave me the run around and refused to provide me the information I requested. They said I needed to send documents in to confirm my identity, even though I already sent in my drivers license, ss card, etc. at an earlier date. After I did that, that is when i found the incorrect account. I provided my current address, previous address, ss #, full name, and date of birth to them, and they still refused to simply confirm the removal of the illegal collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare ( a XXXX company ), assigned 2 different account/loan numbers for one loan and falsely reported late mortgage payments to the credit reporting bureaus for the account not used for billing and payment. We 've never missed a payment and they agree. To date about 6 months after we discovered the 2 different account numbers for the same loan and after we noticed the false reporting of 120 days late payment, Loancare has failed to correct its mistakes. We called Loancare on XXXX XXXX ( agent XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX and XXXX ) and each time they said they would open a case with the credit department ( not available by phone ) and did not follow-up. Loancare has ruined our credit and there is no way to communicate with the correct department about resolution.

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 2017-07-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted online disputes within the last 6 months and have not been able to get the results and one is still pending although its past 30 days and another result is merely n/a with no explaination. below are the credit report numbers in question : XXXX pending from XX/XX/XXXX XXXX completed XX/XX/XXXX result is n/a XXXX completed XX/XX/XXXX result states delivered online however i never received them. XXXX completed XX/XX/XXXX states to click on " view '' to see the report however upon clicking it, nothing happens, unable to view it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: Pendrick Capital Partners Holding, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/19 I received a letter in the mail from Affiliate Asset Solutions LLC stating that this was an attempt to collect a debt. The amount due was {$1000.00} and that the original creditor was XXXX XXXX XXXX. The first sentence in the letter says Pendrick Capital Partners II LLC has purchased the account referenced in this letter. Yet the letter is from Affiliate Asset Solutions. 
XX/XX/19 I recieved a letter in the mail that stated it was a debt and that I owed {$460.00} and that the original creditor was Pendrick Capital Partners LLC. Why is this company using 3 different names referencing them all back to each other. 
I mailed a letter back to Affiliate Asset Solutions which I am attaching requesting them to verify the debt. The back of the letter they sent me specifically states what I was allowed to request within 30 days. And I requested exactly that so I could verify this was even a valid debt that I owed it. I received a letter back which looks to be a scanned copy of a bill. Which seems to be fake. 
# 1 I should have also received this bill. It is clearly addressed to me and my address. No such bill ever came to me. 
# 2 This is supposed to be a itemized bill as their letter says that is included with the bill, the bill is for {$1000.00} and only 1 thing is listed for the charge. If this was a real bill there would be more than 1 line item billed for. 
This is not a real bill nor enough for me to verify I am connected to this debt alleged. 
# 3 the address on the bill is from a place in XXXX XXXX Nevada ( I live in MIssouri ) but it has printed in caps letters THIS IS FOR SERVICE AT XXXX. I do not feel any of this is acceptable.

Company response to consumer: Closed with explanation