BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a loan on my credit report that has been sold to AD ASTRA from a company called XXXX XXXX. I contacted AD ASTRA and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission. This account is fraudulent. I 'm not sure who scammed me but I am not liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Inaccurate information on my credit file. Account discharged in ChXXXX

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 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS 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 2022-12-15
Company: EQUIFAX, 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 ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 

XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
card been activated 72 hrs., am approved for weekly benefits and am old some back payments ... nothibg is on or comin to card, please help and tell me why??????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When i opened my Macy 's XXXX in XXXX of 2022 for special interests rate. 
When i got my first bill which was early XXXX and was due on the XXXX of every month I tried to register my card online. On doing so I couldn't register my CC where i called MACY 's XXXX and got no help, they said to order another card. I made them aware that my payment is due where I shouldn't have to order a new card for this issue that there was a problem with their website. I got no where with them letting them know i couldn't make a payment. This went on for another 2 months with the same issue also they failed to document their system that i called about this issue. So in XXXX I called and spoke to a manager to get the late and interest fees taken off where they wouldn't do it because i haven't make a payment. I explained to the manager my issue and told i called several times explaining my issue but to no avail he wouldn't help me. I was able to finally add my CC to their website and was able to make a payment. On top of that being called several time a month by their CS harassing me about a payment where i told person my situation and they were no help. I keep getting harassing phone calls and i was making payment but just enough to where i was only going to paying what i owe which was {$200.00}. I then call their CS again at the begging of this month to get help which i didn't get explaining to them i was only going to pay what I owe and that i wasn't going to pay any interest or late fees. So as of today Macy 's is still harassing me with hitting my credit score where i was over 750 and with this XXXX i'm getting from them my score has dropped well over 100 points for them no helping me. They keep damaging my credit score constantly which i call harassment. To this date I have paid my {$200.00} bill from XXXX but their still wanting me to pay interest and late fees where I WILL NOT pay those due to their no CS plus be harassed. 
PLEASE HELP, stop them from hitting my credit and remove them from my credit 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 monetary relief
Consumer complaint received 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone has stolen my son years ago and had several accounts in my name. Here name is XXXX XXXX and she lives in XXXX, XXXX. I have NEVER lived outside of XXXX XXXX so all other addresses elsewhere like XXXX, XXXX are not mines. I tried to file a police report but they could never find her cause she kept changing addresses so PLEASE remove any address other than XXXX XXXX XXXX and any collections outside of that address because it IS NOT ME AND IT 'S NOT FAIR!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Open date of XXXX account is incorrect an I request a deletion of the entire listing

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 2018-08-21
Company: U.S. BANCORP
State: CA
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 made a purchase on XX/XX/XXXX for a subscription of one-month access to the online question bank from XXXX XXXX ( XXXX ) for an upcoming test. The charge was {$190.00}. The question bank they had was no way even close to the actual test I took. It was a scam and other people who used them complained about the same issue online. I submitted a dispute with my credit card company but the credit card company said that I didn't follow the merchant 's refund guideline so the merchant can not be contacted regarding this matter, after I submitted all the paperwork required for dispute ( submitted late but phoned the credit card to explain why I was late and got the reply as above ). The merchant 's refund guideline was either you never started using their question bank or you finished the 2000 questions they have in their question bank AND still could not pass the test. I passed the test eventually. The whole test cost {$1000.00}. therefore, there was no way that I could have finished the 2000 questions before my test date. Because I clearly knew, after the first 100 questions, there was no point continuing using those questions because they were in no way similar to the actual test. It would be a waste of my time to do any more of those. 

I filed a complaint with cfpb on XX/XX/XXXX. Fidelity responded by a letter stating that they had sent me the paperwork to fill in XXXX but I was late submitting my paperwork. I was indeed late by about 2 weeks. But after submitting the paperwork, I phoned Fidelity and explained why I was late. Another thing they mentioned was that I didn't contact the merchant to cancel. The merchant website DOES NOT have a phone number on it for me to cancel via phone. So fidelity gave me a phone number to call after they reviewed my complaint from CFPB. But, I still could not find anyone to speak with on the phone. I left the merchant a VM. Also I phoned fidelity 's rep XXXX back and left her a VM telling her that I could not find anyone from the merchant to cancel this subscription with. Without any response, Fidelity closed my case. 

They didn't even try to resolve my issue. They must have brushed it off irresponsibly. This website is a SCAM and they are not doing their part as a credit card company to protect consumers.

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 2023-01-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ordered a birthday present from XXXX for {$1000.00} on XX/XX/22 which was to be delivered and the order has yet to be fulfilled. {$430.00} was the amount charged to the Chase card and never refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. This medical collection is a violation and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit 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:
So on XX/XX/XXXX I was to have my package delivered it wasnt after trying to talk to the merchant for week they said stop calling and we aint gon na take your calls anymore so I contacted the card company, gave them screenshots of order and info that XXXX wasnt helping even a lost package report from XXXX then they dispute {$1100.00} then sent letter and even on call told me it was closed and no need to worry they did the credit then two month later they drop the charge on my account again so I just redid the dispute and they told me today it closed and they gave the credit just like the last time and I dont wan na be used again so if you guys can help they keep telling me it is closed just to reopen it later

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 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
This is about a closed complaint XXXX. Bank of America did not resolve my problem after XXXX  days as promised by their representative, it has been XXXX  months over XXXX days but my credit report still has the hard inquiry not belonged to me. 

Here is the response from BoA in the original complaint : " In the CFPB correspondence, you indicated that an unrecognized inquiry from Bank of America is showing on your credit report. Our research has confirmed that this inquiry is related to an account ending in XXXX that does not belong to you. To correct this, on XX/XX/2022, we sent the enclosed to letter as notification that we submitted a request to the consumer reporting agencies to remove all of our reporting for the account ending in XXXX from your credit file. Please allow XXXX  days to see the changes that we have made. ''

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 2022-03-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been dealing with this for about 4 months now. PHH mortage is prolonging my modification process. I have literally been sent over 6 packages, due to underwriting denying my application saying that my signature is incorrect. I have spent over {$300.00} getting all of these packages notarized. On the latest package sent I literally called the PHH representative who called her supervisor to make sure of how PHH wanted these documents signed. I signed then with the rep on the line and the notery there as well. I signed them verbatim per her the rep and her supervisor instructions. Still underwriting denied them stating that they are not signed correctly. They were due XX/XX/XXXX. Sent in well before that date. I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Receivables Performance Management, LLC
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: Was not notified of investigation status or results

Complaint:
Well to start this off this is my second complaint against Receivables Performance Management. In the first complaint I stated my issues with the company and they sent back a BOGUS response lacking in effort and hearsay.

The first time I spoke with RPM and ask for validation of this debt I was told that they had nothing just " NOTES '' again that is crazy that they are asking for money but cant prove this. Now when they are push to do their job I get a Bogus reply. Seriously they call and talk to someone at XXXX all of sudden and they tell RPM over the phone the charges but cant send any proof of this. This is all hearsay. For one what equipment? I want to know in writing what this is. Second there late fees on what some equipment I do not have .XXXX hasnt even sent me anything on this. 
When I call I get no where but RPM can call they have information? 
I sick of playin this game with BOTH of them. Now I want see a sign agreement, I want see something of the equipment I supposedly have, I want to know when the last payment was made. If these items can not be provided to me then I will take them to small claims court. This needs to be remove from my credit report 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 2023-11-21
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CREDIT COLLECTION SERV is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account CREDIT COLLECTION SERV XXXX  from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: BANK OF THE WEST
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We have a motorhome loan with bank of the west. We have been trying for months to set up online banking. Because I work during the day I cant always call and work with them. Today I had the day off so I was able to call. I called and have been hung up on three times by their online support telephone number. So I called the executive relations number and was hung up on when they transferred me. I called executive relations back and left a voicemail. They keep telling us they can not find our account number and it is the account number that is on our statement. This is horrible service and hanging up on me because I can not find my account number is uncalled for. I am beginning to think I do not owe them this {$82000.00} if they can not locate my account number and get me set up an online patient so I can pay my bills easier.

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 2016-04-01
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally financial auto loan confirmed they sent my loan information to an incorrect address. Therefore my first loan payment was late and Ally reported it to the credit bureau. I called twice to rectify this situation and was told a supervisor would call me back. Never received a call back. The general manager of XXXX XXXX called on my behalf XXXX XXXX and was told it was being taken care of and I should receive a call from Ally financial. Never received a call. Today when I called I was told it is in dispute and will take 30 days. My credit is suffering because of their mistake which they admit. This should be rectified 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 2023-08-30
Company: MOHELA
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  begun managing my private student loan from XXXX XXXXMOHELA . The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not one of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to XXXX and an e-mail inquiry to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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 is missing that should be on the report

Complaint:
Someone opened an account in my name and now has defaulted on the card. I had no knowledge of this account until i applied for credit and found out 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 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XXXXXX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

I have attached both of our IDS and my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters to the consumer reporting agencies and I get a letter stating that it is not me and my letters are not addressed.

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