BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: Trans National Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Please reference consumerfinance.gov Case number : XXXX - I have not heard back about this case and Trans National Credit Corp. has not provided me with any proof that this debt is mine. They refuse to provide evidence and it seems that they can not even be vetted by Consumer Financial Protection Bureau. The 30 days have long gone as this dispute was submitted on XXXX/XXXX/2016. When is this going to be removed from my credit??? They refuse to provide the emails they say contain information that the debt is mine. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland credit management L.L.C continues to report a collection account on my XXXX credit report even though the original creditor has removed the charge off from my account. I disputed the account " does not belong to me '' and was deleted from XXXX XXXX. I have never received any form of verification from midland funding regarding this open collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: FIRST HAWAIIAN, INC.
State: HI
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:
Three years ago i applied for a secured credit card at First Hawaiian Bank. I have attempt twice to have the hold released and was told by two different people I needed a 790 credit score. I asked have anyone got approved with less than 790. Point is they are holding my money hostage. I believe i am being discriminated against and would like this investigated ... A 790 credit score. Really?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We owed XXXX XXXX dollars, we sent them the payment and the check was cashed. The collection company TRANSWORLD SYSTEMS INC, is still sending the collection letters. I tried to contact them by phone and their web site and they do not respond. This is an abuse and I am afraid that they can ruin my credit for something I have already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm A Victim of Identity Theft someone has gotten hold to my Identity and use my Personal Information to open Accounts that I did not Authorize

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 2022-08-29
Company: DISCOVER BANK
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 has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have requested a new card to replace a lost card multiple times over the past month and have not received it. Please let me know the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2015, my coworkers and I were rear ended by another party. I immediately saw a chiropractor XXXX XXXX in XXXX. XXXX XXXX was aware this was an accident and other insurance company was paying for my injuries. During the negotiations, his office was trying to refer to me to an attorney they knew, I declined. XXXX XXXX never told me he was going to send me to collection. The other insurance company paid XXXX XXXX directly. I have had to send his collection company a XXXX paid invoice because XXXX XXXX office would not communicate with them. Now, I get a call from his collection company and spoke with XXXX XXXX there that I owe interest and they would remove the collection from my credit. How can this be if I got a XXXX paid invoice??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, 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:
XXXX XXXX shows a balance of {$2300.00} The same balance has been added back to my profile for this account that has been settled - AGAIN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was trying to pay my lowest balance student loan originated on XXXX/XXXX/XXXX with a blance of XXXX as of XXXX/XXXX/XXXX. On XXXX paid off the amount reflected on my account in the amount of {$800.00}. On XXXX/XXXX/XXXX there was a balance of {$14.00} and today XXXX/XXXX/XXXX there is XXXX balance. The account is accruing interest even though its paid off. I called Fed Loan Servicing twice and got responses that did not make sense concerning the accrued interest. I want them to refund me the amount of {$14.00} in a check payable to me not applied to my loans. I will determine how I want my payments applied. I also want FEDLOAN SERVICING investigated on their loan interest accrual. Obviously they have issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Shellpoint Partners, LLC
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2020 ( see attached letter ) Exhibit XXXX XXXX XXXX transfers to Shell point mortgage servicing. 
XXXX XXXX has no servicing rights. How can XXXX XXXX fraudulently transfer any servicing rights that they dont own?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I was on a XXXX XXXX XXXX XXXX when an offer to set up a XXXX account appeared. It was, I believed it was and was presented as such, an offer to open an account for purchases made for shipping, tracking orders, and to facilitate check out with ease as I had made purchases on line with the XXXX XXXX previously using my bank card. Before I knew it I was being asked income and social security number and date of birth in addition to other demographics and when I hit submit, it apparently generated an Inquiry on my credit bureau report erroneously. I called XXXX to remove the inquiry as an error and after hours of aggravation, hold times, rude people I was told " No '' by a person named XXXX. I explained I felt I was duped into going down a " rabbithole '' I never intended to go, that this was unfair and deceptive and also wonder how many others were so tricked, to wit XXXX told me " Oh when you hit submit you gave us permission '', which I never did. I feel XXXX engaged in Unfair and Deceptive practices. I have since unsubscribed from the XXXX 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 2015-10-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We had a pick a pay mortgage with XXXX XXXX that was sold to Weikovia ( both who are out of business due to these illegal loans ) who sold to Wells Fargo. The rate went up and up and forced us into a bad financial position just trying to pay them monthly to the point we could n't. My husband was ill and no forbearance was given- we went to modify and they kept saying it looked good- to the point they denied us XXXX times - we increased business, added daughters income, rental income sent XXXX pages each time to get them all the documents- always denied. Even though these were illegal mortgages and they received government monies to work with folks like us. They did a modification that really gave us no financial relief in 2009 so this is how they have a loophole to not reduce principal or change the mortgage to a realistic amount and fixed rate. The lawyers made huge money and Wells Fargo bottom line is fine but we Americans are being put out of our homes due to this illegal scam. We even went Chapter XXXX to regroup but had to dismiss it as the payment kept going up and up. We need real financial relief. Have our home up for short sale and when that or foreclosure happens they are better off and we have nothing. We have paid for this home for 33 years. THIS IS SHAMEFUL and the judgements against them are not being used to correctly help many homeowners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This bank has shut down my account and my childrens accounts beginning the evening of XX/XX/2020 for what they felt was fraudulent activity. I immediately called and informed them that the activity was my own and nothing fraudulent. They claim there was nothing they could do. It is now XX/XX/XXXX and my account is still locked out. I do not have access to any money whatsoever, creating a financial hardship for me. Their advocacy advisor XXXX XXXX does not return my calls. Their XXXX  team does not respond. The bank claims there is no way to reach their own fraud department to immediately turn my account back on. This is uncalled for and punitive to treat a customer this way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: MS
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:
ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( XXXX, EQUIFAX, AND XXXX ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax keeps reinserting this bankruptcy that does not belong to me stating they verified this bankruptcy with XXXX XXXX. XXXX XXXX has not verified no such bankruptcy with Equifax. I HAVE ATTACHED A COPY OF MY XXXX XXXX FILE THAT WAS MAILED TO ME FROM XXXX XXXX. There is no bankruptcy reporting on my file with XXXX XXXX. Equifax took off the bankruptcy months ago the reinserted the bankruptcy without verifying. I have been a victim of identity theft for quite some time and this is starting to be monotonous! There is also unauthorized inquiries that I did not authorize nor applied for on my credit. This ongoing back and forth take off then reinsert is hurting my credit. I take pride in my credit. REMOVE ALL OF THESE INQUIRIES< REMOVE THE BANKRUPTCY< CORRECT MY XXXX ACCOUNT IMMEDIATELY! The inquiries that I did not authorize are : XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020 XXXX My XXXX account balance should be at {$0.00}. XXXX account is paid off. I WILL BE SENDING A COPY OF THIS COMPLAINT TO CEO XXXX XXXX. I WILL BE FORCED TO SUE EQUIFAX FOR DAMAGES UNDER Equifax keeps reinserting this bankruptcy that does not belong to me stating they verified this bankruptcy with XXXX XXXX. XXXX XXXX has not verified no such bankruptcy with Equifax. I have attached a copy of my XXXX XXXX file. There is no bankruptcy reporting on my file with XXXX XXXX. Equifax took off the bankruptcy months ago the reinserted the bankruptcy without verifying. I have been a victim of identity theft for quite some time and this is starting to be monotonous! There is also unauthorized inquiries that I did not authorize nor applied for on my credit. This ongoing back and forth take off then reinsert is hurting my credit. I take pride in my credit. REMOVE ALL OF THESE INQUIRIES< REMOVE THE BANKRUPTCY< CORRECT MY XXXX ACCOUNT IMMEDIATELY! The inquiries that I did not authorize are : XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXXXXXX XXXX  XXXX XX/XX/2020 XXXX My XXXX account balance should be at {$0.00}. XXXX  account is paid off. I WILL BE SENDING A CERTIFIED COPY TO CORPORATE CEO XXXX XXXX. I ALSO, WILL SEND THIS CERTIFIED TO EQUIFAX DISPUTE CENTER. I WILL BE FORCED TO SUE EQUIFAX IF THIS IS NOT RESOLVED IMMEDIATELY! DO NOT SEND ME A PRE-MADE LETTER STATING " VERIFIED '' WHEN I HAVE UPLOADED DOCUMENTATION TO THIS COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to the XXXX  to obtain a XXXX XXXX  and XXXX XXXX  requested by the NY XXXX XXXX XXXX NY for XXXX donation as a request for Pre XXXX examine requirements. XXXX was for XX/XX/2017 I had insurance through XXXX XXXX XXXX XXXX ID    XXXX with a copay of {$40.00} ( XXXX billing ) This was given to their Billing dept. The " script '' was specific to the order. The XXXX choose to proceed with a procedure not needed and or told how much it would cost. I was there for solely the purpose of two exams XXXX & XXXX XXXX. Once I was done, my visit was {$1500.00} dollars. I called the insurance company and they indicated they should have received a pre authorized call and never got one from the XXXX XXXX center for woman. 
I made a complaint against the Doctors failed efforts to inform me of the XXXX she took and the switch and bait the office pulled on me. I feel they took advantage of the insurance opportunity that it was being being by the XXXX donor. I feel i was mistreated, violated and now stuck with a bill that should not have occurred affecting my credit report. 
I told then that they had to follow up with my insurance but they would not listen let alone understand that I would not have agreed to a treatment without my insurance being aware of knowingly that a PRE-Authorized agreement would need given to me, the insurance company and the Dr 's office billing dept.

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 2022-08-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 placed a {$350.00} internet order with my with XXXX Synchrony credit card on XX/XX/XXXX. That order was never received despite XXXX indicating that it was. I tried to contact the store via their customer service line over the next 4 days to resolve the issue, and each time I was promised a call back from the store manager within 24 hours. That call never came. 

On XX/XX/XXXX I contacted the credit card issuer Synchrony Bank to dispute the charge for non-delivery. On XX/XX/XXXX XXXX provided to Synchrony as delivery 'proof ' a screenshot of their system saying the order was delivered, which Synchrony accepted. 

On XX/XX/XXXX I resubmitted the dispute indicating that no real proof of delivery had been provided ( e.g. a delivery signature, or a picture of the item delivered on premises ). On XX/XX/XXXX XXXX sent the same screenshot of their system indicating delivery, and Synchrony bank accepted this again. As of XX/XX/XXXX I am currently in the process of disputing this charge for non-delivery a third time. 

This was a very large, palleted item to be delivered on a flatbed truck, I was home and there are security cameras all over. This wasn't a case of theft off my property. I've been a customer with Synchrony on this card since XXXX and this is the first time I've disputed a charge.

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 2022-02-24
Company: CAINE & WEINER COMPANY, 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 on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: I.C. System, 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 on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.

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 2017-06-19
Company: EQUIFAX, INC.
State: VA
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 've been trying to resolve multiple unauthorized inquiries on my  Eqiufax  credit report to no avail even with an intial fraud alert being placed on my report.The unauthorized inquiry number keeps rising and Equifax refuses to investigate and instead just sends me a document stating what an inquiry is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling my job. Obtaining my personal work schedule. Did not leave info when asked. They fraudulently advised another supervisor that they were verifying info for a new job at my current employer. My boss asked me was I looking for another job because I am trying to get a promotion. That is ruined and now my hours are cut due to this. This is unethical.

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