BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Certegy Holdings, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
XX/XX/2021 I walked into XXXX to cash my US treasury Stimulus check XXXX $ Provided my state ID and social security number, they would not cash it. 
The reason was not given. 
I was denied by this company : Certegy check cashing I called the number provided on the recipes however the representative declined to give me any information on why It was denied. 
It seems odd that a us treasury check can be declined, as the funds are backed by the Us treasury, and electronic verification systems can instantly verify the validity of the check. 
I ended up having to go to XXXX instead.

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 2017-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Portfolio Recovery Associates on numerous occasions by email and usps asking for then too verify that they legally bought accounts bearing my name. To date the only response is a copy of a statement that does not even show my legal name. I have asked 6-10 times for a contract showing that this company owns any account showing my legal name, they 've never showed me any sales agreement showing my legal name, account numbers, or my SS #. They have not provided any evidence that any accounts they purchased included my legal name or account numbers, this is in clear violation of Kentucky collection laws. 
Kentucky law states that a statement describing the complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale, and transfer ; and records reflecting the amount and date of any prior settlement agreement reached in connection with the debt pursuant to section 1.5 of this Part. 
This information needs to be completely removed from all credit reporting agencies since Portfolio Recovery Associates has not followed proper collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion, XXXX and XXXX  are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - 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 2019-06-29
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: Was not notified of investigation status or results

Complaint:
I noticed I had 13 accounts on my credit report that didnt have any company information. I reached out to XXXX and asked them about it, could they remove it. The second thing is I have court documentation I have opened disputes in XX/XX/XXXX for XXXX XXXX XXXX. and XXXX XXXX XXXX concerning I also submitted the court documentation that the judge has dismissed both cases, and the XXXX representative said they would not take the documentation. Every time I call I get somebody in XXXX and I dont feel comfortable talking to someone in XXXX, so when I asked to speak to someone in the States, they get offended sometimes. The reason I asked is because of the XXXX breach, I have been constantly getting scam calls that I have a virus on my computer, or I got approved for a loan and theres no virus on my computer because I work for XXXX and my computer is monitored. Because of this breach, it has greatly caused anxiety and I have to spend money for ID protection software, credit monitoring software, I just today XX/XX/XXXX paid for the XXXX XXXX XXXX subscription to monitor my credit because of the breach. Im trying to repair my credit so I can purchase a house for my family. Also i sent over court records of accounts that was dismissed by a judge. XXXX and Transunion did not take the court document. Even in the last complaint the only thing they did was open a dispute a

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 2020-04-24
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted NCA they said I don't have an account with them, they referred me to another company. NCA is refusing to remove this debt that I don't owe them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt collection on my credit report from XXXX XXXX XXXX I've been trying to have removed ever since i seen it. I've asked XXXX XXXX for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed costco membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called costco and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because XXXX XXXX has never produced a detailed list of what the debt actually is. Ive spoken with XXXX multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for 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
Consumer complaint received 2019-06-29
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of credit card identity theft : someone opened an account in my name, charged {$590.00} to the credit card, and never paid. I did not know that anyone had taken out a credit card in my name until XX/XX/XXXX, when I discovered I was a defendant in a small claims case in Missouri. As soon as I discovered that someone was using my identity to get a credit card in my name, I filed a police report, contacted the three credit agencies to put fraud alerts on my credit, and filed a identity theft affidavit with the FTC. My court case was dismissed in XX/XX/XXXX. The debt was sold to a collection agency, Resurgent Capital Services ( XXXX XXXX XXXX XXXX, SC XXXX XXXX ). When I called to tell them this was identity theft, they still did not believe me, so my attorney got involved and spoke with them. She then sent them a letter with copies of my fraud affidavit, police report, drivers license and social security card, but they said it was not sufficient evidence to discharge the debt. My attorney 's office is still receiving harassing letters from this company, who will not cease contact with me. I am trying to get this debt removed from my credit report. I am hoping you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted TransUnion LLC, pursuant to the FCRA, and provided the notice required by law, requesting that the credit reporting bureau investigate and remove unauthorized inquiries from credit report. 

Instead of properly investigating the matter and requiring the creditor ( s ) to provide documentation to substantiate that the creditor ( s ) provide the mandatory documentation that substantiated that the creditor ( s ) had legal authorization to access my credit report, TransUnion LLC, merely responded with a letter ( File Number :  XXXX ) attempting explain what " permissible '' purposes that a creditor may access a person 's credit file and did remove nor provide any evidence that would remotely suggest that they engaged in a proper investigation, as they are required to do by law, much less, that TransUnion LLC, had obtained proof from any of the creditors, named in my dispute, that would prove that the creditor ( s ) had obtained authorization from me to access my credit file as the law requires. Therefore, TransUnion LLC is in violation of federal law by continuing to report these unauthorized, illegal credit inquiries.

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 2019-06-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare A XXXX Company that goes by the name of XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX / XXXX ) has billed us a late charge of {$110.00} when our payment was made on time. My wife and I make two payments of equal amounts ( {$1500.00} ) that are typically received by the servicing company within a day of each other ( XX/XX/XXXX and XX/XX/2019 respectively ) and a week or more before the due date ( XX/XX/2019 ). 
Loancare took half of our payment ( {$1500.00} ) and put it  in an unapplied balance/principal and added that amount ( {$1500.00} ) to our total amount due for the next month ( {$2800.00} + {$1500.00} ). 
I was under the impression that if we make our payments before the due date it shouldnt matter whether its in two lump sums or one. 
Please advise.

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 2022-04-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I receive SSI benefits on the 1st of every month and my checks are automatically deposited into my checking account with Chase Bank. 

But I recently closed the checking account my checks are being sent to and never gave the Social Security Administration my new account number with Chase Bank so my check for the month of XXXX was sent to a closed account. 

Chase told me I didn't have to inform the Social Security Administration because my checks would be automatically transferred into my new account but that didn't happen.

I contacted Chase about this but instead of them just transferring my check into my new account they made me file a claim, which includes a stupid, lengthy and totally unnecessary investigation.

Even one business day is too long when someone need their check to pay their rent and buy groceries. Chase Bank claims process prevented me from doing both. 

Chase Bank policy and claims process is exactly what consumers need protection against. 

Please made them give me my money. I NEED IT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
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:
Im reaching out because there are still items on my credit that are still mine. Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX CARD Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX. I have contacted the FTC as I was advised and my local police. Im doing this on my own behalf. Please remove those items from my credit.

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 2017-10-24
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Signed up for the American Express Premier Rewards Gold card, last year around XXXX timeframe under the bonus offer of : Spend XXXX in the first 3 months and receive 45k points and also spend XXXX the next year ( from XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX and receive 2k additional points. 
I have spent the required {$2000.00} and still have not received the points even after contacting customer server 3 seperate times. The last lady I talked to said that marketing made a mistake with the dates. 
I have original screenshots of the original offer when first applying and also amex sent me an email reminder about the 25k points as well. 
I will attach to this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This company is preventing me from accessing and withdrawing available funds from my investment account. My phone isnt working and the only way to withdraw funds is through receiving a text message. I called and waited for 30+ minutes only to receive horrible customer service from XXXX . He lied and said my account has a missed payment and isnt eligible for withdrawal even though I have proof otherwise. He asked me to send a bunch of personal information including bank statements to an email address to prove a payment that has already cleared and shows in the app. I dont appreciate being lied to and having my money held hostage by a shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX Equifax ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Stearns Ventures, LLC
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 information incorrect

Complaint:
Bought home on XX/XX/2019 from XXXX  XXXX. Stearns Lending, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX XXXX, Az a copy of home title saying also that it was our home paid in full. Evidently, Stearns Lending sold our loan to XXXX XXXX who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both Stearns and XXXX XXXX many times and still getting nowhere. XXXX XXXX has put our so called loan on our credit report. Filed with XXXX   to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the Stearns and XXXX XXXX, who Stearns told us XXXX XXXX would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.

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 2017-10-24
Company: EQUIFAX, INC.
State: WI
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:
In mid XXXX, I pulled my credit report from Equifax in light of all the recent breaches. On there I noticed 2 public records that do not belong to me. I disputed them and they came back to me on XX/XX/XXXX stating that they belong to me and it was verified through a 3rd party XXXX XXXX. I never gave XXXX XXXX authority to have my personal information neither did I give Equifax authority to give my information to someone else. I also researched the information they are reporting and find that the XXXX County Register does not report to the credit bureaus and furthermore does not have the information they are reporting in their records. 

Furthermore, starting XX/XX/XXXX, the three major credit reporting companies Equifax, XXXX and XXXX were impose with stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth.  which they do not! 

My name is a common name and with all their neglect and exposure of my credit file I am asking you to help me to get them to remove these two files from my report. 

Case # XXXX XXXX County Register of DeedsXX/XX/XXXX Case # XXXX XXXX County Register of Deeds XX/XX/XXXX These accounts are not listed on no XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: SYNCHRONY FINANCIAL
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
This is the closest thing. This bank uses Posting Date and Transaction Date synonymously. When pulling the transaction history, I can not tell what has already been paid, and what has not. When I tabulate each month 's expenses, the sum of the transactions viewed are always less that the " current account balance '' usually by a couple hundred bucks. This is due to them posting charges that are back dated into the previous month. 
I have had 2 phone calls and 3 online chats with them since opening the card in XX/XX/2020. Each time I offer to explain this to their technical team if they have any questions. I get told that someone will escalate. And that's where it ends. 
While I can not prove anything shady, the backdating practice does not allow me to feel confident in the bills they are telling me to pay. This is also the fist bank that I have seen backdate the posting date of the charge to the transaction date.

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 2017-07-07
Company: The CMI Group, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt reporting company place this collection on my record years ago despite notification that it was not a valid debt. They have now updated it again to look like a current debt. This from 2012 and is the result of an accounting error between XXXX and XXXX when they changed over accounts during the transition from a sale of their business. I have disputed this repeatedly with this company. Is n't there some law that keeps them from reporting a debt like it is new to create a maximum destructive impact on your credit rating? Do n't they have to report the truth?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
received notice of outstanding debt in the amount of {$2800.00}, on behalf of " XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX When moving out, all finances have been settled, a " move out protocol '' has not been issued and no repairs were requested before move out. Any alleged repairs conducted after and not even informed or coordinated are not acceptable. 
Debt collector FCO, XXXX Md, issued the debt notice, upon phone call onXX/XX/ was informed that the debt has been " disputed '' ( not by me, so by whom? ), and today received ledger thru FCO from apartment company, with statements i am unable to confirm. 
My address and phone credentials have not changed since XXXX ( I was rent guarantor ), and have not been contacted by the rental company at all in the meantime.,

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 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE any and all fruad alerts, freezes, and remarks from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Bank of America pulled my credit report on X/XX/2015 without my authorization.

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