BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The federal Education Department changed my loan servicer from XXXX XXXX XXXX XXXX XXXX XXXX because I was placed on the Public Service Loan Forgiveness program. When the COVID forbearance ended in the XXXX XXXX began reporting my loan information to the credit bureaus but then XXXX did too. For both companies it was exactly the same amount so it looked liked my student loans were double what they were at over {$500000.00}. As a result, my debt to income ratio was too high for a home equity loan I applied for in XXXX. At that point I was able to still access my XXXX account online and it showed that my balance was XXXX and the account was closed. After I was rejected for the home equity loan, I tried to long back into my account at XXXX to dispute it with them but they now said my account did not exist even though I was logging in with my Social Security number and my birthday. I tried to call them but the automated phone system said the same thing and would not reroute me to a live person because it could not find my account. Finally I found a general line for Edfinancial custome support, but the wait time was 411 minutes long. I opted for a call back and the system said it could be after XXXX before someone called me. They never called. I filed a complaint with XXXX on an email address I found on the XXXX XXXX page but the response said they were reporting a deliqincy on my account and referred me back to the credit bureaus for that information. The delinquency does not show up on the credit beaureus ' information for my XXXX account. I was also on income based and hardship deferrals throughout my time with them because my payments were impossible to pay while supporting my family of XXXX. All the credit bureaus and the XXXX XXXX people say I have to talk to XXXX to resolve the issue but I can't log into their online system or phone system because it says I do not exist in their system. The help they have given via email does not address the issue. I am at my wits end. XXXX owns my loans now and is my student loan servicer. 
I am paying my monthly bill with them and very close to forgiveness now. XXXX should not be reporting an open account for me or a balance.

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 2023-09-24
Company: DISCOVER BANK
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of this year, my partner and I went to XXXX XXXX XXXXXXXX XXXX. I used my Discover credit card there, and came home to find someone had used my credit card with a purchase at a XXXX XXXX XXXX XXXX, with a fake address. I disputed this claim and was refunded, and closed my card. This occured XX/XX/XXXX. I have had XXXX more charges at this XXXX XXXX XXXX XXXX. I have never used my credit card for a {$140.00} XXXX XXXX purchase and there is absolutely no subscription they offer, even if for that much. Discover refuses to refund me the money, and I keep telling them it is not me purchasing anything for {$140.00}. So now I have XXXX charges for {$140.00}, and XXXX that I have now had to pay back, XXXX happening on XX/XX/XXXX which was my nost revent dispute, and NOW a XXXX for XXXX last week on XX/XX/XXXX, which I didn't even go to a Market District then! They refuse to dispute me and keep letting the merchant win, calling the charges valid. This has happened 3 times with the exact same amount in multiple months. I can't even afford to spend {$140.00} at a XXXX XXXX! There are no addresses or anything tagged with these charges which there usually is. No information, nothing. I have already had my card stolen by a skimmer once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello My name Is XXXX XXXX XXXX, I am getting a bit frustrated with how I am being handled, For months I have been hounded and harassed and threatened on multiple occasions by XXXX. I let them know as well as Equifax, XXXX and XXXX but nothing was done about this situation, I know nothing of this debt but yet it still remains on my consumer report and I am still being harassed, This matter is enabling me from feeding my children as well as to move forward with my endeavors in business. If this continues to go on I will get my Lawyer Involved. I will need a response from you all within 15 days, If I do not here back I will not only contact my lawyer, In essence I will contact the XXXX, Attorney General and the Ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NOTICED ITEMS APPEARED ON MY CREDIT REPORT

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: JPMORGAN CHASE & CO.
State: FL
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 a documented victim of identity theft. My mortgage company had a breach of information and all of my personal account information ( SSN, drivers license, personal information ) was stolen. During this time, an individual stole my mail, diverting all of my physical mail to an address in XXXX  ( I live in XXXX  ). They then opened a fraudulent JP Chase Credit card account in my name. The individual then charged almost {$10000.00} to this fraudulent credit JP Chase Credit card -- - for " Intensive Therapy. '' [ A fraudulent business which listed my name and and my home address as the place of business, billed me on invoice # XXXX, for a credit card opened the day before, for XXXX session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, JP Chase Credit company will not resolve the dispute of transaction, claiming I requested the card and set up the card using my phone. I have provided Chase with documentation from the XXXX XXXX XXXX that my mail was being stolen. I have provided Chase with phone records that I did not make a call to activate the card as they state. They are still denying and saying I made the charges. I have tried to resolve the issue with Chase -- but they have XXXX customer service. I get a canned response, a XXXX line letter saying that they did a review and the charges are valid. I have provided packets of documentation showing the contrary. I am a documented victim of identity theft. 

I have had this reviewed multiple times and can not get anyone from Chase to resolve this issue. I am now being held liable for these fraudulent charges because of Chase 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received XXXX help or support from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank is  Fifth Third B ank On or about  XXXX    XXXX   I filled out a stop payment order. The automatic payment was for  XXXX   XXXX   XXXX  in the amount of {$720.00}. There was no problems in  XXXX  as the bank stopped the payment. On  XXXX   XXXX  the paid the draft even though they had a valid stop payment order.     The Bank representative  XXXX   XXXX   XXXX  said they had a valid stop payment order and she did not know why it was paid. She would investigate.  XXXX  days in a row I spoke with  XXXX  or  XXXX .  XXXX  finally stated the draft was paid. The stop payment order was not a promise and there was nothing I could do about it.   They did refund the over draft " fee 's '' due to their error. However, I did not authorize the money to be paid. The bank was negligent in their handling of this issue and should return money.     Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CCS Financial Services, Inc.
State: AZ
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 identity was stolen now there are bills popping up on my account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: MA
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:
I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in XXXX  trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both XXXX and XXXX. However, I am unable to create an account on Experian due to issues with their website. 

I have read that I should also file a complaint with the XXXX as an a 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 2022-02-20
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE IN REGARDS THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER XXXX DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS. TRANSUNION 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 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a XXXX report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022 I realized my my pre paid government debit card was stolen the day before on XX/XX/2022. I immediately called the XXXX and notified them my card was stolen. When I called the charges on my card were still pending and had not been processed. I asked that the transactions be stopped and was told that was not possible. I filed a claim for the charges on my card which are over {$1000.00}. I was told I would receive some paper work in the mail that I needed to complete to file a claim. I never received the paperwork. I called back on XX/XX/XXXX and was told that I could submit a claim by submitting a hand written letter via email which I did. When I called back a few days later to check on the status of the claim I was told my claim was denied. They would not tell me the reason it was denied only that I would receive a letter with an explanation. To this day still have received nothing from this company. I was told Im was able to appeal the denial by email which I did on XX/XX/XXXX. Again, when I called back a couple days later, to check the status, I was told it was denied again with no reason as to why and that I would receive a letter in the mail. I still havent received a letter. When I asked the person how they did their investigation I was they they dont know. When I asked, who would know I was told they didnt know it was the investigation department and they dont have telephones there and they dont know how they do their investigation, that nobody could help me and they ended up hanging up on me. I have called back several times and asked who I can speak to regarding my claim and each time Im told that the claim has been closed there will be no further action done on my claim and theres nothing more that I can do and I get hung up on. I sent an email on XX/XX/XXXX and XXXX asking to speak to someone regarding my claim and have received no response. It would be very easy for the company to request the signed receipts for comparison to my signature as they did not have my pin and used my card as credit which I didnt even know was possible. This would be an easy way to determine I did not make the charges. I dont believe XXXX XXXX any attempt to investigate the charges on my card had they it would be easy to see they were not made by me. It is absurd to me that I called and notified them my card was stolen while the charges were still pending they couldnt do anything about it but they refused to refund me. Not did they even do an investigation on who made the charges. I have called several times only to be told my claim is closed, there will be no further action and I will receive a letter in the mail. I also filed a police report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I called XXXXXXXX XXXX after receiving a delinquent notice in the mail which included {$240.00} in late fees. The customer service representative indicated the late fees incurred were from mortgage payments received in XXXX, XXXX and after reviewing my statement possibly XXXX and XXXX due to the date falling on a weekend or maybe their online system doesn't take into account Pacific Time Zone? I informed the representative that I have a FHA loan which allows me to pay my mortgage up through the XXXX without incurring late fees and when paying my mortgage online on the XXXX of each month the website states that the effective date is the date the mortgage is paid because it can take the bank up to XXXX business days before the payment is posted. I also pointed out that on XX/XX/XXXX, I paid my mortgage online utilizing the bank 's XXXX party vendor option which cost an add'l {$9.00} fee to make sure the payment was processed on time. The representative informed me that I had to submit a dispute in writing to XXXX. I submitted a complaint via email on XX/XX/XXXX, received a notice of receiving the complaint in mid XXXX and still there has been no resolution to date. I have not received anything in writing pertaining to the results of XXXX 's investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted from my file right away. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had trouble when my payments first started. Company took down wrong credit card number. I was emailed payment went through, next, an email saying it was not accepted without a reason why. By the time I found out, the delinquent would show up on my credit report, bringing in down in as much as XXXX or more points at a time. Called many times to fix the problem and of course they would not take the blame of one of their workers making an error. Thought the problem was fixed so I joined a program and money comes out of my account automatically and after 3 payments they said this would fix the problem and not put me in delinquent. Lied again. Their company and my bank payment missed each other because of the day of the week it was. First my bank allowed the payment but days later sent it back to them.They did not notify me until it was delinquent. Even though I discovered the error and paid, they told me I was ok and I'm still in the program. They want me to continue to pay every month but will not take off all of those late payments off of my credit report. They harass me with phone calls and incorrect information. I would like them to stop putting late on all there loans which are paid all together as one payment. By are putting a late payment on each loan, it makes it look like I am not paying off either loan and counts it as three late payment.They are destroying my credit I need those late payments that are their errors off of my credit report. They are bullying me by way of 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 2023-03-08
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To whom it was concerned I, XXXX XXXX have not supplied proof under the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of their alleged debt, nor therefore any debt, in fact therefore exists. 

I contacted Calvalry portfolio service several times today through their telephone I was unsuccessful with getting someone to help me resolve this issue. 

Also I disputed this with all three credit bureaus The amount is different {$6800.00} and {$6800.00} on each credit report which is concerning to me please can we get to removed immediately off all three credit bureau this is effecting my credit score and its against the law as me being the consumer also they are sue me as well. 
In addition there are many discrepancies on each credit bureau start date of loan is different The amount owe is different This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/ invalidated credit information. 

Please can we fix this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The XXXX XXXX Account is not mine. The account being reported is not my current or any historical account. I have attached a file for documentation and supporting evidence. This needs to be removed as it is causing unnecessary freezes on my credit. Thank you.

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