BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: ALE Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ale Solutions is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitations in CA. This debt needs to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: DISCOVER BANK
State: NM
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:
Early XXXX I fell victim to identity theft. The people now have a picture of my drivers license and SSN. XX/XX/XXXX I saw an inquiry on my XXXX XXXX app to Discover Credit Card that was not made by me. I called Discover to dispute this inquiry, but it leads me to an automated system that just asks if I would like to create an account and apply for a credit card. I then tried to dispute the inquiry with both XXXX and XXXX. XXXX states they need an FTC documentation in order to process my dispute. My credit report dropped significantly due to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX is apparently trying to bill something that was NOT submitted to XXXX. 
There is NO documentation, i NEVER received a bill from XXXX, nor an EOMB from XXXX either accepting or denying the claim, and did NOT get a 30 day notice for the bill from XXXX, NOR did i get a 30 day notice from the debt collector regarding the debt. NOTHING.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
In XXXX last year, XXXX XXXX  transferred our Loan Servicing to Rushmore Loan Management Services and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by Rushmore LM on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX  XXXX {$770.00}

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XXXX of 2019 XXXX XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX 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 2020-04-28
Company: Square Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello! 
I withdrew from Cash App XXXX $ on XXXX XXXX. And I got the message that my funds will be available on my bank account on XXXX XXXX. Today is XXXX XXXX and I still have no money on my bank account on witch I withdrew. I check my mailbox and see the message that my email was unlinked from my cash app account ( they just deleted my account ). I need to get my money ( XXXX $ ), but funds wasn't withdrew, and " Cash App '' deleted my account. 
I tried to contact them - they totally ignores me. They have no Call center ( yes, they have number but when you call to them - robot just says that if you want a real agent - contact on site. I wrote letter to them, but they ignores me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been through this same issue with XXXX and several collection agencies and the debt is removed then it is transferred to another collection agency. I have never done business with XXXX or any of it's affiliates. I don't owe any collection agencies on behalf of XXXX. I have never provided any of my personal information such as social security number, name, date of birth etc. to XXXX. I have never conducted busines with XXXX or I.C. Systems. I received a letter from I.C. Systems trying to collect a debt on behalf of XXXX which I don't owe. I have never done busines with I.C. Systems or XXXX. I would like this account closed and I don't want to be contacted by XXXX or any of its affiliates or any collection agencies on behalf of XXXX. As I have stated I have been through this several times and I am starting to consider this harrassment.

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 2020-11-07
Company: EQUIFAX, INC.
State: NV
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:
I am using a credit repair service and I mailed 3 dispute letters to Equifax for review. The time frame has been longer than 45 days and I have yet to receive a response from Equifax. I mailed the first letter around XX/XX/2020, 2nd letter around XX/XX/2020 and the 3rd letter on XX/XX/2020. I haven't received one response from either of the letters that I sent. By law I know they are required to respond after 30-45 days, but I have yet to receive one response from them. I am paying for a monthly service and their lack of response is hindering my progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 have submitted to capital one credit card a dispute for 2 charges that were charged on my account from XXXX and XXXX XXXX that were billed on XX/XX/2018 and those charges were for XXXX dollars and the case number was XXXX and the other dispute was for XXXX dollars billed on XX/XX/2018 and case number was XXXX and the. Reason I disputedthe charges is because I was charged for parts that the merchant did NOT install in my car and fraudulently charged me for those parts and services that were NOT done on my car and I discovered this after I picked up the car. XXXX and XXXX XXXX lies and did NOT do the job completely and were very unprofessional and NOT honest. They overcharged me by adding charges to the bill for parts and services that were not done to my car. Now capital one Visa card account number ending in XXXX. Capital one refused to refund me the money and asked for opinions of other merchants and things whivpch are impossible for me to get. 
I did NOT receive what I paid for and I disputed the charge and I want my money back. But capital one Visa card refuses to listen to me and refuses to resolve the dispute and refuses to refund me the money and they ruled in favor of XXXX and XXXX XXXX In XXXX Alabama and there address is XXXX XXXX XXXX in XXXX alabama XXXX and phone number XXXX who is a big lier and a scammer. They charged for parts that were never installed and services that were never performed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my house was damaged by a tornado on XX/XX/XXXX. 
i sent my insurance settlement check in the amount of {$100000.00} next day air on XXXX to my mortgage company, Flagstar Bank, which received it on XXXX. copies of paid receipts for repairs which had already been completed including a roof replacement, as well as required deposits to order items including 3 windows, garage doors, and a fence, plus the bills to remove trees from my attic, driveway, fence and swimming pool. i received a phone call on XX/XX/XXXX informing me that my check for the first installment would be mailed on the following wed. On monday i called to confirm that was still the plan and to inquire why certain items which had been marked as received and accepted were now reported as inactive. i was told i need a new repair affidavit because the notary did not date it. ( He did but not to their satisfaction ) i was told if i faxed it to a supervisor 's fax rather than the general fax number or emailed it that day the check could be issued by the end of the day. It was faxed and emailed but not until the afternoon and when i called to speak to the supervisor at flagstar, she was no longer available and did not call back. the following day it was sent again. calls were made in an effort to speak to her but again not returned. the next day the mortgage was refinanced with rocket mortgage and flagstar told me they would no longer release any money and it would be 30 days before the funds transferred to rocket mortgage. the customer service representatives at flagstar were unwilling to explain why they could not release the initial XXXX or why it would take another month before they would send the proceeds to the new mortgage holder. the only answer provided was repeating that it takes 30 days even though their website already reflects the payoff and XXXX balance. once again no supervisor was available to talk to me and no supervisor called back. the insurance company can not help since the check was already cashed. XXXX  XXXX  can not help because they haven't officially been told the funds even exist.

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 2018-11-23
Company: STATE FARM BANK, FSB
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: Old information reappears or never goes away

Complaint:
Please delete Accounts information with missed payments on XX/XX/2014. From State Farm ( credit card ) Data in the system is correct. 
but I have never had problems with payment before I have never had problems with payment later It was the only time.That time I was in XXXX and I really did not have the chance to make a payment on time, I'm really sorry but spend already a couple years but this still hurts My credit. Please be a good bank and remove this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/2020 returned product on card purchase of {$150.00}. Bank of America customer service answers the phone and then transfers to the claims department that is unreachable. I've held on the line for over 2.5 hours only for the call to be disconnected. I've been trying to reach that department for ten days. I filled a complaint to B of A prepaid card services but have not received a response.

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 2020-11-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent letters in XXXX and XXXX regarding my disputes and now I have sent certified letters to each bureau XXXX XXXX, Experian and XXXX XXXX on XX/XX/2020 with the tracking numbers of XXXX, XXXX and XXXX requesting a reply and complaint. I also sent letters disputing my matter to XXXX  on XX/XX/2020 and XX/XX/2020 and haven't heard anything back.

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 2018-11-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my citizens bank account in XX/XX/2018. 

As a new account holder, several times the bank placed 10+ day holds onto my deposits ( checks ). Okay fine, I am a new account and this is normal protocol. 

However as the months went on, I would randomly receive 7+ day holds onto my large deposits ( checks ) Never once has a check bounced from a bad check deposit, they provide no information as to why and no documents with dates for me to review. 

There is no reason for these holds, it is completely irrational. 

Now on XX/XX/XXXX I deposited a check for XXXX $ and they have yet again placed a hold until XX/XX/XXXX. 

That is a lot of money that they have, yet again, essentially stolen from me for over a week. 

I am completely stuck with them and have gotten nowhere speaking to their representatives over the course of the past 6 months. 

My account has never been in poor standing, I am a responsible customer, the only time I have struggled with finances is when they hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: EQUIFAX, INC.
State: WA
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 PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! 

here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! 

XXXX  XXXX, & XXXX XXXX XXXX XXXX  XXXX 2 accounts listed with same acct number but one with credit limit of {$26000.00} and thee other {$1300.00} XXXX XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX - XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites! but both show different information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Commercial Recovery Systems
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2021 I was notified by my mother that she had received a call from a man named XXXX XXXX from a CSR and associates. The man she spoke with claimed that he was trying to contact me regarding an old payday loan debt from a company called XXXX XXXX XXXX. During the conversation this man told my mother he was preparing to take legal action towards me regarding this debt and that they would be filing it as a felony case, implying to my mother that I would be arrested and imprisoned for failure to pay the debt. After speaking with my mother regarding the call I attempted to contacted Mr. XXXX at XXXX. The phone was answered by a woman who did not state what, if any, organization I had contacted. I hung up the phone but was immediately contacted by Mr. XXXX. Mr. XXXX stated that he would be filing a law suit against me in XXXX court on XX/XX/2021 unless I could work with him to immediately pay the " debt ''. When I requested verification of the debt Mr. XXXX stated he would email it to me. When I stated that I would want a physical copy of the verification Mr. XXXX stated " We're not going to do that '', at which point I ended that call. I don't believe this is a legitimate attempt to collect a debt, however if it is a legitimate attempt then I am deeply upset by the fact that this company provided information regarding my case to my mother, an unauthorized third party. Any information regarding the validity of this matter would be greatly appreciated

Company response to consumer: Untimely response
Consumer complaint received 2019-06-27
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:
Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted XXXX  XXXX, Equifax, XXXX, and XXXX and have disputed this multiple times, in which XXXX XXXX reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The company overseeing my Stafford loan made minimal efforts to contact me ( only sent letters to the address of the college I graduated from ) before sending my loan to collection. My phone number, which has been the same for six years, was easily available to them. The first notice that reached me regarding the delinquency of this loan was through my preferred credit score checking program. There was no identifying information for the company, and it took significant effort to find out who they were. Once I was in touch with them, I immediately paid off the loan in full plus a significant fee they included. 

I had every intention of paying this loan - I have been consistently *overpaying* all of my other student loans since I graduated, and would have done the same for the Stafford loan had anyone reached me. My college was transitioning financial aid directors and I wasn't issued an exit interview for my loans until a full year after I graduated, by which point this scenario had already transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2021 {$600.00} XX/XX/2021 {$200.00} XX/XX/2021 {$50.00} XXXX XXXX took these amounts from my bank wsfs. Turned it in to both companies. I need my money back 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