BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Mypaydayloan.com initiated a loan application without my knowledge, granted and processed a loan without my consent and approval. 

On Saturday, XXXX @ XXXXXXXX XXXX, I received an email stating that my loan application for a {$500.00} payday loan was pre-approved. On the same day at XXXXXXXX XXXX, received another email stating that in order to process my application, I need to verify my email address. Another email at XXXXXXXX XXXX was received with the same message, i.e. asking me to confirm my email so they can process the so-called application. 

On Sunday, XXXX at XXXX4 XXXX, I received another email stating that my loan for {$500.00} was approved. Please take note that I never responded to their emails received the day before. How can they approve an application when ( 1 ) I did n't apply and ( 2 ) I did n't confirm my email address like they wanted me to do! 

On Monday, XXXX at XXXX XXXX I received another email stating that my payment is due on XXXX and that I need to log in and submit a payment request. This email is what prompted to check my bank account and lo and behold, there is a {$500.00} credited to my account from mypd (  that 's how it appears on my bank account ). Again, I did not apply for this loan nor did I sign any paperworks electronically. 

On Monday, XXXX around XXXXXXXX XXXX, I called them at XXXX and spoke to a gentleman named XXXX XXXX ( with a very strong accent ). I asked why I have a loan that I did n't apply for and how they processed it without my consent. At that time, he offered to process a reversal of the credit via a payment request. He advised me that {$500.00} will be debited from my account on XXXX. I asked again how did this happen to begin with and all he told me is that I need to be careful putting my information online. 

That last statement led me to believe that they somehow manage to steal my personal information including my email address, bank account information, SSN etc. and processed a loan on my behalf and without my consent. 

I need these scammers to be prosecuted for stealing my personal information. 

I very much appreciate immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
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 am very frustrated at this time, my concern was not properly handled by Transunion. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The account XXXX payment history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2019-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done.. Remove 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 2019-11-22
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested via letter 2 months ago that Commonwealth Financial Systems verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed to collect in the state of Georgia and Florida. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Kramer & Frank, P.C.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kramer & Frank P. C. Has a new file number, and account number different from original case load which is false, that is pending against me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: SYNCHRONY FINANCIAL
State: FL
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:
PLEASE REMOVE ALL LATE PAYMENTS FROM ACCOUNT : SYNCB/JCPENNEY  Account number XXXX PLEASE UPDATE THIS ACCOUNT TO : Paid, Closed/Never late. 
I WAS NEVER LATE ON THIS ACCOUNT, AFTER SPEAKING WITH THIS COMPANY THEY ASSURED ME OF THIS, YOU WERE CONTACTED ON THIS MATTER AND SHOULD HAVE UPDATED THIS ACCOUNT TO " Paid, Closed/Never late. '' SO HOW IS XXXX STILL VERIFYING THESE LATE PAYMENTS IF THE COMPANY HAS NO KNOWLEDGE OF THIS AND HAS CONTACTED THEM OVER 30 DAYS AGO? 
PLEASE FIX THIS ISSUE IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Carter-Young, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount that was owed for this account before it sent to collections was XXXX. I was sued by XXXX XXXX XXXX for the amount of XXXX and was given a date to pay in order to remain a tenant in the building. I presented the property manager at the time with a XXXX} cashiers check to cover the XXXX balance owed plus enough to cover rent for a few months. My attempt to pay was denied by the property manager as I was told we will not accept any payment from you. I was then told to remove my belongings from the unit but was not given a specific date to be out. A week prior to this all of my belongings were thrown out in the alley behind the building causing me to lose all of my personal information and other important things. I have disputed this debt collection several times in attempt to get it removed from my credit reports. Since my attempt to settle the debt was denied before it was sent to collections I feel that I should no longer have this negative remark on my credit. I have not received any documentation validating that the debt belongs to me nor have I received a copy of the original lease agreement with my signature. I also have not received any documentation explaining the XXXX balance that is reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Bread Financial Holdings, Inc.
State: FL
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:
On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: ID Analytics, Inc.
State: FL
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:
On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.

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 2019-07-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been waiting for a direct deposit to be made available on my account for some days now, and was told on XX/XX/XXXX that the deposit was

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Recently, I've grown an interest in monitoring my credit. I and my family are ready to purchase a home. As I've gone through credit report, I've noticed a few unauthorized inquiries and an account that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness.

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 2019-07-03
Company: CAINE & WEINER COMPANY, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
THERE IS A CAINE & WEINER WHO IS REPRESENTING THE ORIGINAL CREDITOR PROGRESSIVE INSURANCE THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS P.O BOX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN XXXX   XXXX XXXX  ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX/NAVIENT Account Number : XXXX Date : XX/XX/2008 Amount : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX  XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX  XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( XXXX XXXX ) they would not help me in giving me any information and told me to go back to my bank. Zelle would not give me any information on who the scammers are or if they even shut them down! How can the company, Zelle, and XXXX XXXXXXXX XXXX & XXXX XXXX  no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX USAA XXXX XXXX debt collectors have repeatedly called my phone numerous times a day. I have been in the hospital and trying to recover from XXXX XXXX XXXX and XXXX and have begged and pleaded with them to please stop calling me. I am being called Every hour sometimes even every couple hours. This is a very rough time for myself, family, and country. They are being rude and telling me that they do not care and will proceed to call me as many times as they want until the debt is paid. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: OK
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:
Before my near fatal car accident in XX/XX/XXXX I have n't been steadily employed however was very proud of my excellent Credit Score & Credit Report. I feared not being able to juggle my finances properly after the accident because I had diagnosed at XXXX XXXX  XXXX XXXX with XXXX XXXX due to XXXX XXXX XXXX ( XXXX ), combined type ( XXXX ) and by my XXXX with XXXX with XXXX XXXX XXXX XXXX which I am now receiving Social Security. 
After a while I began checking my Credit Reports from all 3 of the major credit reporting agencies ( CRA ) and found suspicious accounts, amounts, addresses, dates, names and inquiries throughout my personal file. I have been challenging and disputing the Creditors as well as the CRAs for nearly 10 years ( XX/XX/XXXX-XX/XX/XXXX ) about the accuracy of my information to no avail. Most recently, I have been told how to dispute my claims more systematically by using certified mail with a return receipt. I have managed to get some of the inaccurate information changed but still have a huge struggle as I continue to dispute & challenge other misinformation documented in my credit report. 
Beginning in XX/XX/XXXX, I decided to keep track of ALL of my letters I send to the CRAs. As of today, I have sent 4 different letter to Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3 different letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3 different letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
I 've requested via Fair Credit Reporting Act ( FCRA ) in every letter mailed to the CRAs to provide physical verification as well as verifiable proof of an original contract with my Signature on it but am ignored and denied on every occasion. I have suffered so much frustration and rage because of this willful negligence and disregard of the law that I now see my XXXX 4 times per month. I fully intend on pursuing litigation in this matter to enforce my rights under the 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 2021-07-23
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX aka XXXX XXXX cable services closed my cable account, I returned the cable box and delivered them to their field office. My cable bill was {$260.00} after shutting off the service, they continued to bill and added more and more dollar amounts to my account. Making my pay of past due monies owed to XXXX impossible for me to pay, now my owed amount is doubled from my billing statement, placing negative reporting on my credit report. This seems to be a practice they do to customers who can't or won't pay them what they ask. I'm a senior citizen on a fixed income, and this is effecting my credit FICO score. the information on the reporting of my past due amount is incorrect and I'm stuck with negative reviews and FICO score.

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 2019-07-27
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I was previous approved for a modification. I received three modification packages and returned all three. I even called asking why am I receiving three different packages. I was told their numbers where wrong. I received a letter today stating the package was denied because I did not rerun package. I returned all the packages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to request several disputes and to my surprise was told : The below 8 items were not submitted and need your attention. Unfortunately, they failed to process my disputes and this is my third attempt. Please see the attached documents as proof.

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 2019-01-30
Company: EQUIFAX, INC.
State: TX
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:
There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with Equifax, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is a follow up complaint to the original complaint filed with the ( CFPB ) on XX/XX/XXXX. My issue has still not been resolved with Equifax. I have filed 8 disputes on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and Equifax is still reporting false and inaccurate information on my consumer report. 
Equifax has not verified information with The Department of Education or XXXX because if so my consumer report would reflect and update accurate information. 
I've called The Department of Education and was told that Equifax has not called them to verify any information about my account and that they would not send another update unless information was not correct so I'm concerned that a investigation has not been completed since The Department of Education has not been contacted. Updated credit information from The Department of Education was sent to all three credit bureaus on XX/XX/XXXX to remove Department of Education account from consumer reports and Equifax has denied receiving update. 
Equifax has not contacted XXXX to verify any information or completed an investigation because if so Equifax would not be reporting pays as agreed to an account that I'm in forbearance with until XX/XX/XXXX and have not made any payments to them so this information is false and incorrect. 
I've sent letters from The Department of Education and XXXX to Equifax stating this information and they have still refused to update files but have agents telling me to call The Department of Education and XXXX to update files with correct information. I've called both companies and was told that Equifax would have to call and verify the information with them and Equifax refuses to do so. 
If the Department of Education would send an update to Equifax to remove from consumer file as XXXX and XXXX have I would greatly appreciate. 
If XXXX would send Equifax an update to remove from consumer report until forbearance period is over and I start making payments so that false information reporting would be removed. I'm confused on how Equifax is verifying and conducting investigations if they are not contacting the creditors to see if information is accurate that they Equifax are reporting while closing out disputes as completed without an accurate resolution.

Company response to consumer: Closed with explanation