BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACS IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 

View customer complaints of ACS Inc. ( XXXX XXXX XXXX  ) From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Important Information from ACS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Creditor : XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$50.00} ________________________________________ Dear, Despite our attempts to reach you, your account remains significantly past due. We would like to assist you in resolving your collection account. Upon resolution of your account, all collection activity will be stopped. It is important that we address your account promptly. Even if you are experiencing a financial hardship, we would like the opportunity to work with you towards a mutually agreeable resolution. Please keep in mind that unless you communicate with us, we can not assist you. Please contact our office as soon as possible to further discuss your account. 
Mail : To make a payment by mail please send your payment to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Phone : To pay by phone or if you have questions about your account please call XXXX Online : To make your payment online please visit XXXX or click the button below CLICK HERE TO PAY Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXXXXXX XXXX  This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. 
CO : In Colorado : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
NC : North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXXXXXX XXXX XXXX This collection agency is licensed by The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX my student loans were part of the public service student loan forgiveness. I have the letter from XXXX. I'm grateful. However it's still showing on my credit and I need it gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
BEWARE OF SYNCHRONY BANK On XX/XX/XXXX, I invested {$100000.00} at 4.6 % interest with Synchrony. This transaction was verified with my bank. The agent told me the transaction was complete. Weeks later I received a letter dated XXXX XXXX that indicated I had to complete the process. On XXXX XXXX, I spoke with XXXX. She told me that Synchrony was in error since the transaction had been verified. She asked if I still wanted the investment. I told her yes, if it would be backdated to XX/XX/XXXX. I told her I would also increase the amount to {$200000.00}. She said she would call me personally within three days to confirm. She did not. Instead, I received an email stating that the money had been withdrawn from my bank and invested in Synchrony. On XX/XX/XXXX I spent about 70 minutes either speaking with an agent that could or would do nothing, and then on hold for a so-called supervisor. Finally, an agent told me that XXXX had to return my call in 3 days. I told her it had been 7 days, She used all kinds of excuses explaining how 7 days does not equal three business days. She said XXXX was still waiting for an answer before calling me. Of course, I never heard from her or anyone else from Synchrony again. Then she tells me that the investment was denied. 

What kind of a company makes a mistake on an investment, and instead of correcting their errors and apologizing, they just cancel the entire transaction? 
I have never received an email or letter indicating my {$200000.00} had been transferred or cancelled from my bank.

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 2023-03-14
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a card from Milestone Mastercard by The XXXX XXXX XXXX that I did not request. I called and informed them. They mentioned that after the card was opened, someone changed the address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XXXX XXXXXXXX XXXX uses US Bank to send our benefits. For 11 days, I have been trying to get US Bank to update my address and send out my replacement card, valued at {$6500.00}. US Bank refuses and everyday they tell me to Call XXXX and update my address. I have sent proof in to US BAnk, and XXXX has also sent in proof that my address has been updated and yet US Bank refuses to update my address and send out my replacement card. For 11 days, US Bank tells me to call, I call XXXX, I spend hours on the phone everyday between the 2 and everyday, US Bank tells me to wait 24 hours for the update to their system, when I call back to verify, I am told XXXX hasn't updated my address yet. I have proof that XXXX has updated my address, yet US BAnk refuses to acknowledge, they just say that I need to call XXXX and tell them to update the portal for US bank. I have requested to speak to Supervisors, IT departments, anyone else that can look and see if faxes have been received from XXXX to verify my address, and yet, US Bank just repeats the same thing. They refuse to call XXXX to verify what I am saying, they refuse to hold while I call XXXX, they refuse to give me any contact information so when I call XXXX I can get them back on the line. They just keep referring me back to cardholder services XXXX number. 11 days I have spent trying to get this corrected, and I am still where I started. US Bank is holding my {$6500.00} and refusing to send it to me.

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 2023-01-03
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: Their investigation did not fix an error on your report

Complaint:
Identity theft collections accounts : XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX : {$85.00} Remove immediately! 

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. 

Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed 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 2023-03-15
Company: Kriya Capital, LLC
State: IL
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 want you to verify this debt as i don't have any accounts with you? if unverifiable please remove this account from my credit report as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The negative items on my credit report have had a detrimental impact on my credit score, making it difficult for me to obtain credit and loans. 

My name is XXXX XXXX, and the following are the details of the negative items on my credit report : XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, you are required to investigate my dispute within 30 days of receipt of my request. I am requesting that you promptly investigate and take appropriate action to correct or remove any inaccurate or incomplete information from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX XXXX, a credit card company, which operates as XXXX presented and sold to me a ticket labeled as " business class. '' I bought this ticket on XX/XX/XXXX for my honeymoon to XXXX in XXXX, XXXX. I soon found out that part of the trip was actually an economy trip, and was not a business class trip, as originally presented to me. I would not have bought this ticket if I had known that. I escalated this complaint and asked for them to fix that leg of the trip, compensate me with points, or compensate me with cash. After weeks of escalating this with customer service, I was told that I should have opened a separate box to see the hidden details that a " business class '' ticket would actually include an economy flight, and that XXXX would not be able to remedy the situation. This was deceptive and misleading.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!

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 2023-02-19
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX I contacted Truist Bank to pay on an old collection I had forgotten about. After XXXX  attempts to reach the recovery department I called customer service and they were able to patch me thru. They pulled up my account and agreed to a settlement. I gave them my pay by check information and was given a confirmation number and told that I would receive receipt of payment and settlement offer letter to my email within one to two hours. I did not receive receipt of payment or settlement offer by end of day XX/XX/XXXX so I called back and was told it should be coming through. 

On XX/XX/XXXX I spoke to a representative in customer service because I could not reach the recovery department. This customer service agent told me that my debt had been sold to a 3rd party and that the recovery department would not have record and I would need to call the 3rd party agency. She gave me the phone number. I asked to speak to management as I had given my bank account information on Friday XX/XX/XXXX and received a confirmation code.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX- Account Current Balance : $ XXXXAccount 's Date Opened : XXXX XXXX Account Current Balance : -- -- {$140.00} Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : {$350.00} {$350.00} $ XXXXAccount 's Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX-Account Current Balance : {$130.00} {$130.00} $ XXXX Account 's Date Opened : XX/XX/XXXXXXXX XXXX XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Every time I would try to get a deposit In my account it didn't work and then they all the sudden started closing my account for no reason and taking my emails off my account saying they are not real emails when I know they are.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX, Experian, refuse to follow the FCRA laws. They have violated my Rights. 15usc1681i ( 7 ), 15usc1681i ( 5 ), 15usc 1681e ( b ), 15usc1692c ( c ). After disputing accounts and inquiries with supporting documents and they still refuse to investigate or send back verified information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Carter-Young, 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:
A medical collection with a PAST DUE balance of {$260.00} has been reporting on my account for almost 2 years. Not only does this violate HIPPA but also a violation of the FCRA and XXXX XXXX compliance reporting standard. I've never agreed to a third party having access to my credit nor medical/personal information. I have sent countless disputes via mail and also reported through XXXX, XXXX and XXXX websites. I have yet to receive documents contracts with my signature agreeing to any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: FL
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 received a copy of my Experian Credit report and I noticed some late payments posted on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from the credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing an inaccurate payment history, nothing is matching at all. There are many discrepancies and inconsistency across the reports and I have no actual verification that this is my actual account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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