BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get an account report with Equifax showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had been receiving emails from this company stating that they now had ownership of a debt that I owed. I was not sent any information about disputing the validity of the said debt so I sent a reply to the email that had been emailing me and asked for proof by Usps mail of the said debt and any information that had been turned over to the company on XX/XX/2022. I never received a response with the information I asked for ; now here we are XX/XX/2022 I receive an alert from my credit reporting account that a collection account had been placed on my consumer report! I had already disputed the account with the original creditor because we had entered into a settlement and because of a mishap on their end they ended up removing the information from all consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery has been calling me for XXXX years or more. This is my adult sons Debt not mine or my wifes. He hasnt lived here at our home for many years. I have informed portfolio collectors many times of this they say ok then continue to call from random numbers even from local numbers including my friends and neighbors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, EQUIFAX MORTGAGE, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by Wakefield and associates on behalf of XXXX XXXX XXXX regarding a bill for {$170.00}. The bill is dated XX/XX/XXXX. I was first contacted by phone XX/XX/XXXX. this contact was made by Wakefield associates and I explain to them the bill is not me. Ive never been two or heard of the people they represent. At the time theyre claiming the service I was hospitalized at XXXX XXXX in XXXX Illinois with an XXXX after a XXXX  XXXX on my left hand. I was at XXXX for three weeks. It is impossible for me to even been where they claim to generate the charge. I explain this was identity fraud and they were not willing to help and correct their problem. I have fraud alerts and all three credit bureaus dating back to XXXX. Wakefield associates has refused to correct their records. That is why I am filing this complaint on top of my alerting all three credit bureaus of the new fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Santander Bank began to offer an account called extra20 Checking in XXXX XXXX. Santander Bank heavily advertised this product as " not a promotion '' and made implicit and explicit guarantees that if you opened an account, you would have it forever. I was one of many people who chose to switch to Santander because of these promises - it is not an easy task to switch bank accounts, but the bonus made it worth the switch, despite being an otherwise inferior bank. In XXXX XXXX, Santander decided that they were no longer going to offer this product, which is completely in their right. In XXXX XXXX, Santander decided to move every existing customer out of their extra20 Checking product and into a different product that does not pay the monthly bonus that they had guaranteed. I believe that what Santander did was bait-and-switch at best and criminally deceptive at worst. As an example of this, I was able to locate one of their advertisements stating how much you would earn in 5 years with this account - this would be impossible considering the longest that anyone could have stayed in the account is less than 3 years.

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 2015-07-24
Company: Pacific Union Financial, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
client came to office to see housing counselor - packet was submitted to Pacific Union and according to client, they initially confirmed verbally that her file was in review. however, client has not received anything in writing. Client did go to XXXX court hearing on XXXX/XXXX/2015 and the case was stricken from the case management call, the Court having determined that no further case management conference is necessary. Client believes that no one from lender or lender 's representative showed up to court that day. Since then, the lender/servicer continues to harass her with phone calls and written correspondence regarding amounts owed, and client states that she opens all her mail, so she is unaware of any written correspondence regarding her file submission. On XXXX/XXXX/15, client was serves again with another foreclosure filing - and has another court hearing on XXXX XXXX, 2015 - housing counselor scanned in all of her documents to her file, and will call lender for status at this point. XXXX informed client to go to court hearing - according to the new set of documents client brought into the office, the new petition states that her previous loss mitigation packet was closed due to insufficient income, and did not qualify - this will need to be confirmed with lender - Called Pacific Financial @ XXXX and spoke with XXXX. missing docs letter was not sent because the information that was sent in XXXX - and because the previous review for assistance was denied due to insufficient income, no change of circumstance had occurred - so therefore no missing docs letter was sent to client - according to XXXX, file was never submitted to review - because it was immediately determined that income information and household circumstances were same as previous submission - therefore file was closed. Lender/servicer did confirm that FHA is investor and she needs to consider transition option at this point - XXXX continued to meet with client at this point to discuss alternatives. XXXX now has a discussion with client - file a complaint with CFPB - show up to court on XXXX/XXXX/15, and request mediation - and understands that there is strong possibility that client will have to resubmit file once again since previous file was closed with no missing docs letter or acknowledgement letter provided to homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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: Was not notified of investigation status or results

Complaint:
Sent a dispute letter for several accounts to Equifax on or about XX/XX/2020. Received certified return receipt stamped received XX/XX/2020. It is now XX/XX/2020 and I have no received a report or status. Contacted Equifax to day via phone to inquire and ask that they remove disputed items and they refuse, even though they verified receiving my dispute letter. Instead the offered to start another dispute and to completely disregard my initial dispute. ( FCRA ), 15 U.S.C. 1681 et seq. / FCRA Section 623 states if info can not be verified as accurate etc within 30 days it must be deleted. Its been over 90 days, the items I disputed should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a targeted email promotion from PenFed.org for opening a checking account with my stimulus payment. Successfully opened the account and met all conditions but the checking account was never credited {$200.00} for opening account promotion as advertised by targeted email on XX/XX/XXXX. 

After meeting all conditions for the promotion, specifically the 90 days post deposit, but not receiving the funds, I called in to inquire about said promotion. Was told in late XXXX, on a phone call to Penfed, that I did meet all said conditions but they would get back to me on why I didn't receive the funds yet. 

With no communication from Penfed for almost a month, I called again and spoke with XXXX on XX/XX/XXXX at XXXX ( case # XXXX ) and was told the promotion was cancelled before I opened the account ( but within the eligibility of the original targeted promotion ). 
I then asked if the promotion was cancelled why was I still allowed to open the account with the specific targeted link. XXXX had no answer to the question. To further the point of the targeted link, when I click the link now, it states the promotion is no longer eligible. Thus, they fixed this after the complaints were lodged. 
XXXX said this was final and hung up.

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 2020-12-29
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:
Please remove the fraudulent account XXXX Account # : XXXX as I have no knowledge of this account due to the XXXX  data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers 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 non-monetary relief
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is once again reporting incomplete information on my credit report. They 've listing a collection company on my credit profile with no name. This is a company that 's so gunned whole of releasing any incorrect information as long as they can stick it to the consumer. 
1. I need to know who are the people that you 're claiming I owe. 
2. Direct Contact Information On this Company 3. The name and number of the person that works for Equifax that 's stating that this account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX XXXX without my permission, accessed my credit information for the purpose of providing me with a Automobile insurance quote which resulted in an increase in my insurance premiums by several hundreds of dollars. 
As a current insurance policy holder XXXX XXXX has never used Credit information. It is the result of relocating from XXXX to XXXX that has prompted this action. For XXXX XXXX to access illegally access my credit information and base my rate on such information is wrong. I have a perfect driving record and that is what a rate should be predicated on. I wish to seek compensation from XXXX XXXX for their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There was a hard inquiry on my transunion credit report that I did not authorize. It is from in XXXX XXXX, FL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I initially called XXXX, who was referred to me by a friend as a XXXX  of XXXX XXXX. I had a XXXX  XXXX XXXX XXXX, which had shifter issues. XXXX did not answer after my first call, so I wrote a text introducing myself and the type of car that I needed to be fixed. He replied that I could tow the car to him, so I sent him the car on the evening of Tuesday, XX/XX/XXXX. The next day, I made sure that XXXX had received the car. He said he knew the issue well and knew how to fix it, and that the charge would be {$250.00}. After 13 days, on XX/XX/XXXX, I asked him about the status of my car, as it had yet to be fixed. He replied that he needed a new shifter, and I told him that I had a shifter that I had purchased from XXXX in the past, but he later called and said he had fixed the shifter that was on the car already. On XX/XX/XXXX, : XXXX said that the car was fixed, so I picked it up and payed {$650.00}, {$400.00} more than the initial estimation that XXXX said he was sure about. The next morning, my wife was driving the car to work, but after the car started presenting the previous shifter issue, which was supposedly fixed, she was forced to pull over on the XXXX highway. I contacted him afterwards, and he told me that I should tow the car back to his shop. I towed the car back to : XXXX on XX/XX/XXXX. He asked for an additional {$1500.00} on XX/XX/XXXX for other parts which he had thought were the cause of the problem. I told him to not touch the car and sent the tow truck to pick it up. After receiving the car, it was driving worse than it was prior to going into the mechanic. It could not shift, had transmission kick, and also the engine light was turned on. Not only did he not fix the problem, he also charged me for a service that he did not provide, and he made the car undrivable, a state much worse than it was driving prior to going to his shop. I am disputing this transaction due to the faulty service provided by the mechanic. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BARCLAYS BANK DELAWARE
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:
1. On XX/XX/2022 I received an email from Barclays ( XXXX XXXX XXXX XXXX ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 
2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 
3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 
4.On XX/XX/2022 I called Barclay again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 
6. On XX/XX/2022 I called XXXX. They also said I should go ahead and file a dispute with FCRA.

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 2017-04-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XX/XX/2017 I submitted a police report, identity theft affidavit, proof of address, Identification, and statements, to XXXX XXXX XXXX notifying them they were reporting a account to the credit bureaus that was a result of fraud. 

The account number is XXXX. 

On XX/XX/XXXX and XX/XX/2017 I requested notification of debt because notification was never sent to a valid address. Collection agent XXXX confirmed that the original notice was returned by the post office as an invalid address. Even though the collection agent XXXX and supervisor confirmed that they never sent the notification of debt to a valid address they refused to send it to the address. 

The collection agent XXXX and supervisor said they could not send notice of debt because the item was in dispute yet on XX/XX/2017 they verified the fraudulent debt as valid to XXXX, XXXX, and XXXX even though they placed the item in dispute status for fraud on XX/XX/2017.

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 2015-05-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My name is XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We reviewed our credit report online. I noticed that my XXXX 2014 Mortgage payment is being reported late. The payment was made on time and I have attached the documents to support this payment. Please feel free to contact me if you have any questions or need additional information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, 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:
Please remove the fraudulent account XXXX/XXXX Account # : XXXX as I have no knowledge of this account due to the Equifax data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I Put through a Claim for XXXX that hit my account! that I never Authorized, They Don't Have My Signature, They Don't Have Verbal or Written Authorization to Pull Money From My Account! Nor ' Do they Have Proof as Such ' As I Have Never Provided It!! Wells Fargo is Supposed to be FDIC Insured and Follow Those Rules and Regulations!!! They after 30+ days are Fraudulently taking the money out of my account after a Bogus Claim, put through that Wells Fargo did! I Have Had Three Claims With Wells Fargo All Three Have Resulted in Wells Fargo Taking Money Out of My Account!! They are Abusing the FDIC Rules by giving temporary credits and taking them back after 30+ days!!! They are Doing this Across the Board with All of their Customers, This needs to Be Investigated on the Consumer Level!! When they Don't Have Proof of an Authorized Debit because it was Never Authorized yet ' refuse to Credit the Money Back they are not Following FDIC Insured and the Fraud is at the Bank Level!!! By the Way I Used to Work for them Now they are Saying Board Down ' Not to Hire XXXX  XXXX  People ' Any Wonder Why The Bank Has Tanked So Far!!! Lawsuit over Lawsuit, w/ some now of XXXX profiling and discrimination against innocent XXXX  XXXX  People!! Absolutely Disgusting!! Consumers ' Stay Away!! Lawyers Dig In '!! A Lot of Settlements Going Out!! & There Market Share has Dropped from XXXX $ to XXXX in XXXX Alone!!

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