BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: SC
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 have been a victim of Identity Theft since 2012 and I have finally found out who the perpetrators are because they decided to impersonate me on social media and I had family and friends communicate with them to figure out who they truly were. They have opened numerous accounts in my name that were unauthorized and stole information about me from online sources ( I have since opted out of most ). The only issue is the Credit Bureaus are not blocking and deleting the information even though I have provided them all the necessary documentation, also per the FCRA they are supposed to block identity theft disputes from the credit report 4 after after the reports were received. They have not helped me out with this at all. I have a lawyer and I am doing everything he has advised me to do and the Credit Bureaus are still not complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Ascendium Education Group
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; EQUIFAX Inquired on XX/XX/XXXX ; EQUIFAX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter on XX/XX/XXXX form ARS National Services Inc they are collecting a debt on behalf XXXX XXXX. The letter is in Spanish but is a settlement offer to resolve a my debt with XXXX. The offer is good until XX/XX/2020. 
I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from XXXX. 
This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like XXXX is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. 
I called XXXX to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: 77 Elite
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX A lady contacted me regarding consolidating my student loans via telephone and asked to call them back at XXXX. I called them back and informed them I am in the process of consolidating my student loans. The person who identified herself as XXXX XXXX informed me they would assist me in the process and that due to the " laws changing '' that I would need their support. She said she worked for " 77 Elite ''. She asked for my FSA ID and password, got into my account to look up my information regarding my student loans. She sent me an email with my current loan breakdown and told me she could be able to greatly lower my student loan payment and improve my credit score. She said in order for me to be able to consolidate my loans, they would need an upfront fee of {$990.00} for the service as nothing is for free. I told her I could not afford that, so she said I could pay it within 4 months. She asked for my debit card account information and immediately took {$240.00} out of my account. She emailed me documentation and told me to click to say I signed a document so that she could consolidate my loans for me. The documents are not notarized and the name of the company on the forms says " XXXX XXXX. '' I received two emails at the same time which I will upload, one stated they were the " Processing Team '' and the other one said " Processing Team, 77  elite on XXXX. '' I received a call from XXXX on XXXX from a lady asking for my social security number, and she would need it quickly in order to continue the process of my student loans. I received an email on XXXX requesting to sign releases of information to my 3 loan companies ( XXXX, XXXX XXXX, and XXXX  XXXX ), and requesting either my last two pay stubs or the first two pages of my most recent filed income tax report. I emailed the documents. After researching " loan scams '' I became very scared that this was a scam as there have been many " red flags ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Crow Creek Sioux Tribe
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I tried to payoff the loan early to save on interest. The website does not have a payment option. I tried calling customer service on several occasions and was always left waiting. The online chat mode would not let me make any additional payments. The amount of interest charged keeps accruing despite my attempts to pay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: U.S. BANCORP
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 is missing that should be on the report

Complaint:
My mom opened a US Bank XXXX card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. US Bank put the XXXX card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my account

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 2019-11-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Macys debt protection program has been taking money from me for 13 years! I finally found out about it and they wont do a XXXX  thing besides say we will escalate the issue well its been escalating for 120 days now and still nothing! No one has phone numbers or contacts to anyone, but now Im just finding out its Citibank who is responsible. Even Macys corporate office had zero answers for me. Plus no one can show me any documentation of my enrollment into this scam, My balance is XXXX $ and the amount that you have taken from me should be refunded to my account and XXXX  out! 13 years Ive been scammed by you and Macys and no one wants to take any type of responsibility but you both have no problem taking my money, and I want it 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 2023-09-18
Company: Self Financial Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
the company stole my collateral deposit that was given to them. Closed the account and never payed me back my deposit.instead self reported inaccurate, incomplete information to the credit bureaus. Self continues to report a false amount. Self is in violation of the FCRA by being a willing participant of knowingly reporting information that is not true. Please help in this matter CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Netspend advertising on the front of their package looks much like a gift card. I purchased it by mistake. I was unable to get a refund from the store and Netspend required DL, SS card, and proof of residence to create an account. This has created a delay where they are holding my money and I ca n't use it. They have yet to create an account for me. THey offered a full refund but it will take 7 to 10 days. 

In general they are deceptive in packaging and they are extremely difficult to work with. 

They keep you from your money and have ridiculous fees for simple transactions. 

This is sad if this is all poor credit people have to use. 

I had to cough up more cash to buy gift cards for my XXXX presents because all this money was tied up with Netspend, I was lucky I had it or the kids would have gone without.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello I am requesting that my sercurity freeze be removed from my credit report. 

Name : XXXX XXXX DOB : XX/XX/1980 SS : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2022 I submitted a letter to Experian to correct inaccurate payment statuses they are reporting inaccurately. ( Ive included a copy ) I received a response on XX/XX/2022 from them stating that they were updating the accounts ( Ive included a copy ) I received a credit report on XXXX and the accounts are still reporting inaccurately. ( Included a copy of both accounts )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Equifax credit report has been blocked by Equifax since XX/XX/2022. I contacted them over a year ago and that stated all I could do was get a paper copy in the mail. Within the past month, I have contacted them three times and let them know that banks/credit unions can not pull my report. They asked for information and said allow 7-10 days. I send that information and it has been over the time limit. My credit union still can not view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have an American Express Plum Business card for my business, which was pitched to me by my account manager as a great way to improve cash flow because so long as I make the minimum payment, I can defer the remaining balance to the next payment, which essentially is like offering 60-day terms. 

As this is a charge card and not a credit card, there is no pre-set spending limit. When I first opened the card in fall of XXXX, I had spent upwards of XXXX a month on it, and have always paid off the balance within the 60 days ( and have never had a late or delinquent payment ). 

I recently reached out to Amex because a charge was denied, which worried me because I had {$18000.00} in upcoming invoices from suppliers to fund production for a {$100000.00} purchase order ( that would be paid to me ), so it was imperative that I be able to take advantage of the terms. 

I made my monthly payment, however, I was told by Amex that no future charges would go through. In the past, the company had authorized increase spend amounts if I called in and told them the upcoming amounts. This time, they told me they could not do that because my balance was high ( albeit all of my payments had been made and I paid the minimum amount due ). I was told the only way they would authorize future charges is if I made a pre-payment of {$18000.00} on the card. This completely contradicts the real value prop of the card, as it does nothing to help my cash flow, and has put me in a real bind. 

I hold Amex to a higher standard because they created a holiday to support small businesses ( great marketing ). When push comes to shove, they will not actually offer the support small businesses need. When I told XXXX XXXX from Customer Support that there is no benefit to paying off a card early just to pay my vendors ( because why do that if I can just send my vendors cash? ), he replied " Well, at least you get points. '' I do not get points. 

Amex routinely sells one thing, but then services it a different way. Not only that, I had previously filed complaints with Amex about this issue in XX/XX/XXXX and XX/XX/XXXX, and nobody from the company had followed up. The Customer Service Rep could also not find any notes about follow up action taken in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a collection agency. My medical bill was already written off by XXXX XXXX and I am even on a Medical Financial Assistance from XXXX. However, the Collection is still insisting that I pay them the medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX  {$220.00} Open balance I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: WHEELS FINANCIAL GROUP, LLC.
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: Their investigation did not fix an error on your report

Complaint:
I had an auto title loan with XXXX XXXX  that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to XXXX and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021, I applied for modification. It was approved, but payments are unaffordable for my income. I am currently in the process of applying for another modification. They wanted {$960.00} payment and my income is {$2000.00} per month on mine and my husbands social security and pension. We have a car payment and rented apartment temporarily because water is off at the house because of an unaffordable needed repair. We also had to rent storage facility and furniture because we thought they were going to take the house, but they have not.

Company response to consumer: Closed with explanation