BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased a {$200.00} prepaid XXXX gift card from XXXX XXXX and XXXX. I tried to use the card a month later and found out that somebody else had used the card ( stolen ). I immediately called customer care and sent in required information to have the card replaced. I have since obtained a new gift card in my name and while waiting close to a month to have the three fraudulent charges disputed, I have been sending more than 3 faxes and just today I was told that whoever put in the dispute form mistakenly put in Washington State instead of XXXX XXXX ( where I live ). They just told me that I have to start the procedure all over again because it was an error that they have made. I can clearly see that the fax I had sent in has the correct address with XXXX in the state. I simply wish for the stolen money to be returned back to the card.

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 2018-03-30
Company: BROKER SOLUTIONS, INC.
State: CA
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:
Improper use of Personal information : New American Funding ran my Credit report ( Hard inquiry ) on XX/XX/2018 without my consent.

I have not applied for any mortgage loan with this company, neither as Borrower or Co-borrower. I didn't sign any document or consent them to run my credit score at any time.

They improperly obtained my Social security number from a Joint tax return when my husband had inquired about a Pre-approval based on his name as Borrower solely ( my name was not on any application ).

The persons who are responsible for this incident include : XXXX XXXX XXXX XXXX XXXX XXXX  This action has damaged my credit score and made it harder for me to apply for Mortgage loan in the near future.

I've contacted the company regarding to this incident and haven't heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called the company and confirmed my phone number is not attributed to any debt owed. I have requested my number be removed from their automatic dialing system, but I am still receiving phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been furloughed by my company due to Covid19. This occurred on XXXX, 2020. I immediately filed for unemployment since I am XXXX years old and have a XXXX son I care for. It is now XX/XX/2020 and I have not received a card from Oklahoma Way2go prepaid card/ XXXX, through the Oklahoma Employment Security Commission . I have received written notice of eligibility as well as online evidence of payment for past six weeks. I have called the company phone number numerous times, to get assistance with this, only to be placed on hold, diverted or hanged up on. I am at a loss. In addition, I have daily gone online through the OESC, as recommended to attempt to reconcile this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The account is listed as delinquent and claims that I owe them {$290.00} I had a secured card that I submitted {$250.00} as a security. I am a XXXX veteran and had to relocate for health reasons. I went to close out the account and was told that I had to pay them to close my account. I had to pay to open the account, I financed the account, and now they say I have to pay to close the account. I wrote and told them that I would pay them if they would show me anywhere they loaned or gave me monies or credit. I provided ALL the credit and now they lie and say I am the debtor. They never responded to me yet they keep this negative report on my credit record and it is causing me great anguish as it overly interferes with my life, liberty, and the pursuit of my happiness.

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 2019-02-19
Company: Experian Information Solutions Inc.
State: UT
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 applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XX/XX/XXXX-XX/XX/XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.

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 2019-03-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
The calls are from card member service, they keep calling and I tell them to stop calling I do not need credit repair, and don't want them calling, they call my cell phone and home 2 to 3 times every day always different states and phone # I KEEP BLOCKING but have no more space left to block, have complain 2 or 3 times before this to you, the number they call from now XXXX, when you answer the phone they say Visa Master Card Alert, then they ask you to press 1 for assistance, I did that and ask who they were and they answer card department member service I tell them I'm going to report this and they hang up, I know you will not do anything about this but I am going to report every number that call me and make a Notation of every time I report this to you.XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My Trans Union Report incorrectly shows 2 Federal Tax liens. They show paid but the do not include the new necessary information and therefore must be deleted under the new guidelines. It does not show my SSN or DOB. Transunion refuses to delete this despite the new regulations. 

( The standards will apply to new and existing data in files and will require that the public records sources include the individual 's name, address and Social Security number or date of birth. )

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 2018-03-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX   {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TRANSUNION IS NOT LOOKING INTO MY DISPUTE THAT I HAVE PROOF SHOULD HAVE A ZERO 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 explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX Hospital asked me to participate in a study related to my XXXX XXXX. I agreed and submitted to an XXXX of my XXXX. The XXXX Hospital never sent me a report on the findings from the XXXX. I repeatedly called and was assured I would get a copy of the report but never did. I still dont know if my XXXX XXXX is stable or not. If it XXXX  Ill be dead in about 60 seconds. The XXXX Hospital was paid thousands of dollars by my medical insurance company for the XXXX. They want an additional {$300.00} from me despite never letting me know the results of the XXXX. I believe they are ripping me off and engaging in unfair medical business practices. Celentano, Stadtmauer & Walentowicz is the hospitals debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: SYNCHRONY FINANCIAL
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:
A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from TJX /Synchrony Bank XXXX I reached out to creditor to advised them I have know knowledge of opening TJX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. Synchrony Bank has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX AM I made one last attempted to resolve issue with Synchrony Bank and I decided to give them a phone at XXXX. I spoke with a representative that advised me that Synchrony Bank had sold account back on XX/XX/2018 to XXXX XXXX. 

Synchrony Bank has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-11
Company: Diversified Consultants, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
cancelled my service, and paid what i owed, they said they cancelled the wrong dates and i still owe them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sued by Credit Management in XXXX XXXX. I am currently making payments as they threatened to take me to court for garnishment. I never received any notification in the mail about the debt, or court date. Was just serves with judgement to pay after the fact. Now they are sending my husband and I duplicate bills for the same amount, but different debt id numbers so they are trying to collect twice. My husband was making payments to them as well, but our local court dropped all claims and payments as they were found guilty of misconduct so it voided my husband of his debt and court costs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions 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:
Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$760.00}

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 2019-03-11
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a letter ( attached ) stating that if the company did not hear back from me by XX/XX/XXXX, they would pursue legal action. Date of charge off was XX/XX/XXXX. This is now the second instance of this company wrongfully pursuing legal action. There is currently already an open complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, Inc.
State: NY
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:
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ADS / Community / XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX  and XXXX  They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.

Company response to consumer: Closed with explanation