BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has added a charge off to my account that I do n't recognize. I have already tried to dispute this matter through all XXXX credit bureaus. However the credit bureaus has failed to send information back to me proving the account. The amount was for {$820.00} I have been a victim of Idenity theft. The credit bureaus are in violation of the fair credit reporting act because they have failed to remove this and prove that this does n't belong me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.

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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/19 I contacted XXXX, XXXX, Transunion and " ALL '' creditors listed on my credit report to remove " ALL '' 18 unknown inquires from my credit report. I explained that I didn't authorize 'ANY '' company to run my personal credit and that I need the inquiries removed IMMEDIATELY!. I also explained how these inquires are hurting my credit ( FICO SCORE DRAMATICALLY ) it's showing lenders that I'm untrustworthy due to the inquiries I also explained if they look at my credit report my accounts are in good standing except 1 Auto Loan that I'm currently on a payment plan for.These creditors are running my credit report 2 or 3 times in 1 month which is ridiculous dropping my score even more. I was told by " ALL '' 3 credit bureau that will have to call each creditor and ask for a deletion letter. I then called " ALL ' creditors that's listed running inquires. Explaining the situation and was told that on some accounts I'm not even found in there system at all, so they can't give me documentation and the other companies stated that I had to contact " ALL '' 3 credit bureaus to have them removed. This situation is becoming more and more frustrating and more damaging to my credit by the day. Being that I I'm a contractor for CFPB my credit and finances have to be in order. Please HELP!!!

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 2019-10-03
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Receivable Solutions I've contacted several times about the debt and collections on my credit file. I will like them removed and use the insurance I have which is XXXX XXXX XXXX XXXX. They never sent notices or even contacted me about the bills. I will like them removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, at XXXX, XXXX from XXXX XXXX XXXX XXXX of XXXX GA , called. I was unable to answer. She then called a third party and involved them in her collections attempt. 
XXXX called Lendmark financial and asked an employee named XXXX to call me regarding the $ XXXX XXXX XXXX XXXX claims is owed to them on purchase of my motorcycle from several months ago. XXXX then called me ( as a third party person ) at XXXX today, to discuss my obligation and responsibility to contact XXXX XXXX XXXX and pay off this debt. 

My account at Lendmark Finance is current, all payments have been on time or early. I dont have another payment due until XXXX XXXX with Lendmark. So a representative of Lendmark had no reason to call, most especially on behalf of another business. XXXX shared details of a debt with a third party and asked them to make a collection call on her behalf, and on behalf of XXXX XXXX XXXX XXXX. I feel both parties violated rules and regulations and would like to have this matter investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I received a check from XXXX XXXX which handles my 401K. I went to US Bank located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX XXXX ) on XX/XX/XXXX to cash it in the amount of ( {$3400.00} ) since the check is drawn off of US Bank. The teller ( XXXX XXXX ) who is a Client Relationship Consultant IV ( XXXX XXXX ) took one look at my check advised me they could not cash a check for a non customer over the amount of {$1500.00}. She told me I would need to go to my own bank, but handed me her card so my bank could verify the funds. She never looked up the account information on my check to verify the funds herself. She never looked to make sure the check was in sequence for the company. It's like she automatically assumed the check might be fraudulent and denied me service. Once I left I called another US Bank location to ask them if there was a limit for a non customer cashing a check and they told me no, as long as the money is available in their till they could do it. I called XXXX back and confronted her with this information, she told me each branch has their own policy and the branch managers policy for their location was a {$1500.00} max for a non customer to cash a check. I asked her was there a way I could verify that information, was it on the website or on a sign at the bank. She told me no when she started working at this location the branch manager just told her that's the policy. I advised her I wanted the number for the Office of the President she placed me on hold for 15 minutes and came back on and ask me what location I cashed my check at, I told her I just deposited at my own bank. She then asked what branch I spoke with regarding the limit for a non customer. I told her, she then proceeded to tell them, they should have not provided that information it goes against branch policy, which her manager advised her of. She asked for my name and number so her manager can call me back tomorrow ( XX/XX/XXXX ). XXXX never provided me with the number for the Office of the President like I asked for previously. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or just the way I look for her not to cash my check.

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 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX contacted my husband and tried very hard to convince him that this was my student loan debt. My husband knows we are timely with all of our payments and did not believe them and told them I would call them back. When I called them back, they could not verify the account number given to my husband, they could only verify his phone number called ( red flag # 1 ). I explained to the lady that this was not my loan as I consolidated years ago, she proceeded to tell me that loans fall through the cracks and I needed to pay ( red flag # 2 ). I told her flat out this is not my loan and that she is committing fraud. She asked me to verify my social, I refused, she gave me my social ( red flag # 3 ), she asked me to verify my address, I refused, she verified my address ( red flag # 4 ). I asked her for proof that this loan was mine, she asked me for my email and I refused. I told her she has my address she can mail it to me. This has caused me so much stress. I thought this would be the end of the situation, but on XX/XX/XXXX, I received a collections letter ( in my maiden name ) stating an account balance of {$9900.00} with the Original Creditor as Bank of America. I have never banked with Bank of America or pulled loans from them. This debt is not mine, I regularly check my credit report and have never seen this debt. I also confirmed by checking the National Student Loan database and it is not listed. I receive numerous calls daily, which I do not answer, please help resolve this fraudulent debt and have them stop harassing me and my husband. 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 explanation
Consumer complaint received 2017-07-14
Company: Omega RMS, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Omega RMS  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  Omega RMS  is using deceptive practices to collect money from me and they need to be investigated.  <P/> I obtained copies of my credit reports and noticed a listing from  Omega RMS . I did not authoriz e Omega RMS  to obtain my credit file . Omega RMS  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sen t Omega RMS a v alidation letter to prove that they own this debt they claim I owe.  Omega RMS  then sent me old statements from various companies with dates from   XXXX  .  Omega RMS  did not send me a purchase agreement, bill of sale or any type of proof that  Omega RMS  is legally entitled to collect anything from me. To this day,  Omega RMS  is still reporting this account on my credit file and trying to collect money from me.  Omega RMS  deceptive tactics are malicious and intentional.  <P/> The account I am referencing is :  Omega RMS  Acct #  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 2017-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Numerous transfers with my account to another party that I have no affiliation with.     I contacted bank of america and clearly they did not do their due diligence. They clearly did n't verify any information between me and this individual. Bank of america remained unable to be contacted even after I called numerous times for an update. I want all quick pays sent to   XXXX   refunded back to me {$1300.00}. I do n't know this individual as I explained to Bank of america. In addition, I have also filed a police report.  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 2018-01-02
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
At XXXX EST on XXXX XXXX, 2017, Coinbase initiated a transfer of XXXX Litecoin, worth over {$4000.00} USD, to their exchange platform GDAX. They claim that these transfers are instant, yet I 've been waiting almost four days and the transfer is still " pending '' and I have no access to my currency. Support has not responded to my complaints, and I 'm seeing many other people on social media complaining about the exact same problem who have also not heard from support. My support case number is # XXXX and the transfer ID of the transfer in question is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.

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 2018-01-02
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient began by repeatedly calling from various numbers. A complaint was filed XX/XX/XXXX # XXXX. They continue to call-the numbers are blocked but still show that someone has tried calling. XX/XX/XXXX XXXX from XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX. These calls are AFTER they agreed to cease calling! 
They have been directed THREE TIMES to CEASE CONTACT with XXXX COUNTY and yet they continue to fax various departments that have no access to the information they are requesting. 
This is impacting my employment! If I lose my job THEN WHAT?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2019-10-03
Company: Commonwealth Health Corporation
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These are fraudulent people trying to collect debit thats not owed and already deleted years back. Different people calling from different companies for debt thats not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The co-owner of my home was laid off on XX/XX/21. I contacted the mortgage company on XX/XX/21 to request an interest rate reduction ( loan modification ) so that I could make the payments solely on my income. My current rate is 7.25 % and that amounts to over {$1600.00} added on to the principal payment. I continually followed up with the lender via phone calls and emails and had two conference calls with " relationship managers ''. They claimed they did not receive all of the needed documents. I submitted the entire package twice. Today I was told that my request for modification was closed because a document is missing - there are no documents missing and I verified this on XX/XX/21 with the lender. No one even informed me that my request had been closed! 
They are intentionally and successfully stalling my request for assistance. I am going to send the entire modification package to them again tomorrow, for the third time. They tell me it will take another 30 days to review it. They should know my name and my circumstance by heart at this point. I am being honest and reaching out to the lender before my mortgage goes into arrears, and I am being ignored. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XXXX XXXX, 2017, American Express ( " AMEX/Furnisher of Credit '' ) prematurely, inaccurately, and unlawfully furnished negative information to consumer reporting agencies pertaining to my charge account. On or before XXXX XXXX, 2017, I ( " Consumer/Card member '' ) attempted to address the substantive legal issues raised, but AMEX failed to acknowledge and/or address my concerns. Under 15 U.S. Code 1681s2 et al., the Furnisher of Credit has a duty to acknowledge and respond to a dispute. To date, I have not received a response. <P/>The negative information furnished is premature because under 1681s2 et al., AMEX failed to issue notice prior to furnishing the negative information to the consumer reporting agencies. The negative information furnished is inaccurate because based on the agreement the account was in good standing. The negative information furnished is unlawfully because the notice required under 1681s2 et al., was not provided to the consumer prior to, or within 30 days after furnishing the negative information to the consumer reporting agencies. <P/>I suffer damages and costs including but not limited to : ( 1 ) adverse and/or negative recordation of inaccurate negative information furnished to the credit reporting agencies ; ( 2 ) diminished/lower credit scores ; ( 3 ) retaliatory APR increases ; ( 4 ) retaliatory lowering of credit lines/limits ; and ( 5 ) negative encroachment on my ability to borrow. I seek the immediate removal of any and all negative and/or adverse reporting of information to the credit reporting agencies concerning this account and/or reconciliation of any and all substantive issues raised.
<P/>
I declare this to be true and accurate, to the best of my knowledge, under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
transunion is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). Transunion has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.

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: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}

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