BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-07
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a very garbled voice message from very noisy location. I called the number back from a different phone and they knew immediately what my first and last name were. 

The operator identified the company as : XXXX XXXX XXXX. And explained they needed personal information to identify me before they would discuss anything. 

I began by requesting the street address and company telephone number. The operator would not give me the address or number. The operator said " they have offices all over the world '' as if this should appease me. I explained they are required by law to provide this info. I asked to speak with the supervisor. The operator put me on hold XXXX seconds, then said the supervisor was unavailable and abruptly disconnected me. 

When I called back, the " supervisor '' picked up. He gave me the same runaround. They will not discuss anything unless I divulge personal information. 

I told the supervisor this is a case of fraud ( taking a wild guess : because I have a long history of trying to resolve a fraudulent debt, and new collection agencies keep calling well past the statue of limitations on unsecured debt ). I asked to speak to his fraud department. The supervisor stated they do not have a fraud department, nor do they process claims of fraud. 

At this point I decided to deal with this " company '' as an illegitimate operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: CCS Financial Services, Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: U.S. BANCORP
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX XXXX 2017 my brother in law called US bank in XXXX Kentucky to verify a check on my behalf ... gave all numbers etc and was told yes ( by the bank manager ) he could take it and cash it there and then or put it in an account and as a cashiers check would be automatically in the account ... the next day XXXX XXXX 2017, as my bank shuts on a Wednesday afternoon, I put the check into my account having got the clerk at the bank to call the same bank, same man in XXXX and was again told that yes the check was good and continue with the transaction ... I, m XXXX so as soon as a check arrives we have to leave it at least 3 working days to  clear, but this check went straight in showing funds ... another company I deal with immediately took funds out, autorenewal that I did n't authorise..as I never keep that sort of money in my checking account ... by the following Monday XXXX XXXX 2017 the funds were withdrawn by my bank ... leaving me to now cover the sum ... plus charged me for a returned check ... My complaint is that I/we was/were told twice by the bank manager that this was a good check, showing funds which were then taken from my account..they should not, in my opinion say that a check is fine and release funds to only stop the check and take them back ... leaving me in a very awkward position, having to close my account and order a new card, waiting for 10 days for that to happen ... unable to do normal business transactions ... as I say, in XXXX, we wait for cleared funds after 3 days, never will show in the account until then, so the account would be safe from unwanted unauthorised predators taking money ... Since then my bank refunded me the fee for returned check but the US bank told me no that the check was fraudulent and no refund available ... nothing they could do ... I was disgusted and have been advised by my bank in XXXX to contact you as a formal complaint against the bank..The bank have all my details for the transaction. Copies of check, entry to my account ... The documents are too big on file to be sent to your complaints.

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 2016-03-30
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being charged for a XXXX phone account I did not open or my information was used to do so. I can not recall my approval to use or release my information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: SUNTRUST BANKS, INC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Suntrust bank owned this loan and sends me docs with other people 's phone numbers not their own

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 2022-09-03
Company: Experian Information Solutions Inc.
State: NM
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/2022 I sent out letters to the credit bureaus of Experian, XXXX, and XXXX certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.

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 2017-10-26
Company: Experian Information Solutions Inc.
State: WA
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:
Multiple XXXX XXXX XXXX accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.

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 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
XXXX is reporting inaccurate information regarding my capital one account beginning with XXXX. There were fraudulent charges on this account and this account is involved in litigation. they are reporting inaccurate information and also sold this account to XXXX XXXX XXXX. THEY are reporting twice which is illegal this account need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
Kohls Department Store had reported that my wife and I were delinquent in our monthly payment in XX/XX/2022 which was not correct. We actually over paid them and they owed us and are sending a check to our address. This effected my credit score and was no fault of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I am from NY and I have received a XXXX traveling amount to go to NY even though I live here already! I have statements using my card in Ny and I was never out of state. Also a charge was made at a store I believe to be at some sort of airport with my info! 
XXXX : {XXXX} Store : {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 2016-06-15
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust mortgage had given me a negative credit report. They have contacted the credit bureau 's and reported late payments that are not true. Most of the report states unknown on receiving payment on time. I have complained to them that my payment is due on XX/XX/XXXX, but not late until XX/XX/XXXX. This is a VA loan and this is how it reads on paper. They still continue to call me to inform me my payment is late and it is not XX/XX/XXXX yet.

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 2022-04-11
Company: Mountain Run Solutions, LLC
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/22 I have been on the phone with Experian since XXXX XXXX. I have never experience such lack luster customer service in my entire life like the customer service center of Experian located in XXXX XXXX. ( Sighs ) I have an account currently reflecting on my credit report for XXXX XXXX acct # XXXX. This account has already been removed by XXXX and XXXX. However, Experian continues to violate my rights and reports account. I even took the time out of my hectic schedule to upload the identity theft affidavit. On XX/XX/22 I was relieved when I received countless notifications that the account had been deleted. However, when I logged in today the account was still reporting. Several people in the dispute department informed me that their records show the account was removed. So they werent sure why it was still showing. They informed me they would transfer me to the fraud department. I spoke to several persons in the fraud department who informed me the account was deleted. Im drained from this and feel like as a consumer Im being abused Ive even recorded phone calls to show how rude the reps were ESPECIALLY XXXX!!! Ive attached the online results showing the deletion along with my identity affidavit Im asking that Experian for once adheres to the rules and I pray the cfpb launches a investigation into Experian

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 2016-03-03
Company: Credit Protection Association, L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
credit protection association is in clear violation of the fair and accurate credit reporting act I never got a letter saying that i owe any money and to who and why. I never got a mailing address that i can dispute the debt. I do not have a mailing address to dispute a debt. just none stop robo calls about a debt with an account # XXXX robocall debt collector that did not send me a bill via usmail. 
never gave me a chance to dispute. When i call to dispute the debt they robo call again the next day. refuse to provide me a place to send a dispute letter in writing never got any letters from them about this debt. this is clear violation of the fair and accurate credit reporting act. I should of got a letter with in so meny days of the call. never got no such letter do not know how i can dispute this debt for XXXX I would like to dispute because poor quality service provided resulted in a loss of {$4900.00} in lost trades. I do not feel that i owe any debt of {$210.00} because of the poor quality of internet service provided by XXXX. I demand a letter from this debt collector so i can send a dispute letter via us mail.

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 2016-05-21
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Filed a complaint against BSI XXXX 2016. Sent my payment in on XXXX XXXX, 2016, they alleged it did n't arrive until XXXX XXXX, 2016. I feel as though I am being penalizing for complaining. It does n't take 5 business days to post. Either someone held the payment or did n't check the XXXX XXXX on the XXXX. 

Secondly, I want to a full explanation of the {$350.00} fee charged to my account ( XXXX ) that they refuse to explain. I also want a full refund based on the reply given for the prior complaint. I do n't want a credit, I want refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX  Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance 08 XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
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: Account status incorrect

Complaint:
I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX ,  XXXX , and Experian. This account was paid in full on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

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 2015-04-01
Company: Credit Protection Association, L.P.
State: CA
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:
I cancelled my XXXX cable servicel & did not receive a closing bill for several months. I had to contact them for my closing balance, which I paid in full at that time. In the meantime, they transferred my account to a collection agency, who I have tried to deal with, but now they are threatening to " refer my name & address and amount due to major credit reporting bureaus throughout the Uninted States. '' I have called I explained to them the situation several times, but they refuse to stop contacting me. The amount they are demanding is their charge of XXXX plus interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with Equifax,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2019, COMPLAINTANT had applied for one of Wells-Fargo 's credit card products using online and phone calls. It was denied with reason " Identity can't be verified '' and representative ( s ) recommended visiting local branches nearby to complete this application. However, an application using identical name/address/SSN was granted credit line ( cards delivered ) with a different bank or had identity verified for leasing other merchants ' services without having to visit a branch or run into " Identity can't be verified '' problem. COMPLAINTANT asks that Wells-Fargo look into how this has occurred, as other applications pertaining to credit reports processed through major credit bureaus usually do not produce such results. It seems like a possible internal error within Wells Fargo. Though COMPLAINTANT recognizes and acknowledges Wells-Fargo 's right to refuse to service to anyone for any reason ( as long as it doesn't pertain to discrimination based on age/religion/gender/nationality ), COMPLAINTANT will retain the assertion to describe Wells-Fargo employees as having bias against the COMPLAINTANT, thus required unnecessary authentication procedures beyond what's already available, something they do not require onto others. Wells-Fargo can feel free to show that other applications were also rejected and had asked those applicants to visit a local branch for something that can be done online ( on the same criteria used against the COMPLAINTANT to have him visit a local branch ).

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