BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. computer generated letters are all I'm getting back with no human interception.

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 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28
Company: EQUIFAX, 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 do not owe these companies.. I don't acknowledge the creditor. I am not the owner of the accounts nor am I responsible for the transactions made.. I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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: Account status incorrect

Complaint:
XXXX XXXX  sold the account and XXXX XXXX  took over in XX/XX/2019. I was never informed about this, XXXX XXXX never contacted me for the payments or called. I left them Messages for months finally I got hold of someone in Customer service who took {$1000.00} Payment and informed me my Account is open and in good standing. They one day later I found out by reviewing my credit report that they closed my account months ago again without informing me ever and on XXXX XXXX their operator took my payment and inform me that account was in good standing as curtesy she waived the late fees because of the bank error. 

They defrauded me out of my money and misinformed me. XXXX XXXX  took the money during the most awe full time when I could have used this to feed my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: CA
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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I submitted an Economic Hardship Deferment request by mail to ECSI for my Perkins Loan, account XXXX, on XX/XX/XXXX, with required supporting documentation. 

My Federal Stafford loans are in Economic Hardship Deferment with a begin date XX/XX/2019 and an end date XX/XX/2019, so by law I am entitled to an Economic Hardship Deferral of my Perkins Loan as  well. 

However, ECSI failed to approve my Deferment.

I called ECSI today and they claimed they emailed me, but I never received an email. The ECSI rep of course offered to put the loan into Forbearance, where it would continue to accrue interest, but I qualify for Deferral, I am receiving SNAP benefits and my other Federal loans are in deferral.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NOTHING, in your list of things, as appropriate to my problem.

My problem is this : As soon as my local news ( last year ) reported about the Equafax breech, I filed for money. My claim # is XXXX-XXXX. WHEN will I get my money? Are you waiting for me to die of old age?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 2021-10-30
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filed consumer complaints against this company due to its refusal to provide reasonable accommodations in regards to my communication XXXX. These complaints led to my case being referred to the XXXX XXXX for mediation. ( XXXX Complaint XXXX XXXX XXXX v. Caliber Home Loans XXXX XXXX Dept. ) The mediator, XXXX XXXX, has attempted to reach XXXX to begin the process without any success, and given the amount of time that has elapsed with no response, he is considering it a refusal on XXXX 's part. I asked for mediation in an attempt to reach an agreement with Caliber Home Loans, as they continue to repeat the behavior that led to me filing those complaints in the first place. I am concerned about losing my home due to XXXX 's continued refusal to respect my rights under the Americans with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report had an account listed that are not mine..I have no idea who this company is and why it ended up on my credit report.. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done.. This is not my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received a letter from Capio Partners, in which they claimed they had purchased XXXX worth of medical debt that I they claim I owe to XXXX XXXX XXXX XXXX. I responded on XX/XX/XXXX requesting, in writing, verification of the debt, as I had never received a bill from this company.On XX/XX/XXXX Capio responded in writing and provided what they claim is the original bill. Upon further examination, this bill has my given name, yet has an address I have never lived at. Furthermore, upon checking my credit report, I discovered that Capio placed a collection notice on my credit report for two reporting agencies on XX/XX/XXXX. Please note that on XX/XX/XXXX I had not yet even received notice for Capio Partners of this potential debt.Thank you for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My hazard insurance was due to XXXX XXXX in XXXX. As soon as I received the bill I contact my mortgage XXXX to have it paid out of my escrow account. They mailed a check on XX/XX/XXXX and never followed up to ensure it was received. XXXX XXXX I received a call from XXXX that my policy was going to expire on XXXX XXXX if I did not make the minimum payment. After being on an extremely long hold period XXXX they told me that there was nothing they could do because they have no reason to follow up on the checks they mail. I told them to wire the money they owed now and they said they don't wire money and the only thing they could do was open an inquiry on the check which will take 5 business days. I have tried to contact them several times and  each time I called I spent over an hour on hold and never got a person to pick up the phone. XXXX XXXX tried to call them and got the same results. XXXX now owes me money because I had to pay my insurance policy to keep it. I have been unable to reach XXXX for three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Rushmore LM has continually called my cell via an automated dialing system. My phone has prevention of automated or robo calls. Allows to ring once then sends to voice mail. The message left on the voice mail is an automated computer generated voice in violation with Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C. 1692d ( 6 Never is the number have any description of the company name nor when they call me home number. They were removed from calling my cell phone 2 years ago only to contact my landline. This violates laws under both FDCPA & TCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While checking my credit report there was a card from Barclay Bank listed as opened XXXX. I did not apply for this card and all three credit bureaus have a freeze on my name, Spent 1.5 hours giving three people at Barclay my personal information. Name/address/phone/social security. These representatives refused to provide their full names. I asked for written confirmation that a fraud complaint was filed. REFUSED said I would hear something in XXXX days or more., Next day filed a XXXX complaint and received a call from someone supposedly represent the Presidents Office Barclay Banks XXXX 
No way to confirm identity. Wanted the same information that was already given to their fraud unit. Agreed to name only. Was told he could do nothing without all the personal information already provided. His computer could not just enter name.

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 2023-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$160.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I believe I have reported before to XXXX and Chase this matter. I have a monthly charge from XXXX XXXX on XXXX of every month. We, my son and I, do not remember at all what it is. If it is my son 's game, I must have cancelled ; even though I believe he has used only free games. When I filed before, I checked XXXX XXXX. store and subscription, and I found I did not any subscription. Since I wondered again that there was another charge of this company, I tried to check XXXX again ; somehow, I could not get the authorization verification since I did not remember the password. Still, I could not open XXXX subscription site. Therefore, I have decided to check Chase itself and started the dispute. I realize every month the names of merchant type and category were different along with company name ; it called itself XXXX XXXX or just XXXX. It describes itself 'computer programming and design services, ' 'digital gemes, ' 'Cable and paid television services, ' and 'computer software store ' for its merchant type. And it calls itself 'professional services, ' 'entertainment, ' 'bill & utilities, ' and 'shopping ' for category. Since I do not remember what is this charge and company, I can not guess at all what is this company, whether it relates with XXXX XXXX ' and why I have charged this company about {$11.00} for years. I can not say at all how long I was charged, since the record of Chase starts from XXXX of XXXX. I tried to dispute all monthly charges, but I could not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following debt does not belong to me. I have never opened an account with this company in XXXX of 2022. It has been ruining my advances in life with this negative credit report and Im requesting immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a complaint, wrong and false information because identity Theft, for Personal Identification stolen to Public Name and Person. 

Wrong Dispute, Never had Credit Card or Any Loans in any matter. everything paid with cash sells. particulary wholesale.

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 2017-10-07
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I 'm not able to pay back my loans right now. But I have been out on the forgiveness list. The thing is that navilent took out 15 loans in my name. Now I owe XXXX dollars in loans. How can I get this resolved. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear sir, Last night, about XXXX XXXX on XX/XX/XXXX of 2023, I opened the Chase bank account website to check the status of my fraud claim, since your company sent me an email to notify me the update of alert and message regarding this persisting issue. However, I found out there was no alert or anything in the message column of your company bank website. Since I had been exhausted with many persisting issues regarding frauds, I would like you to asking to stop these kinds of mails sending to me and other customers, who have similar issues. 

Sincerely,

Company response to consumer: Closed with explanation