BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The credit bureau and data finders are reporting false, misleading, non XXXX XXXX compliant, information ( XXXX ) on my credit bureau. I have challenged the validity of the XXXX on my report. They have informed me that they are getting the information from third parties such as XXXX XXXX and the court house. I have sent a challenge letter with a letter from the Bankruptcy court saying they do not provide any information from third parties. I also included in the dispute letter a letter from XXXX XXXX that they deleted the fales, erroneous, misleading bankruptcy from their report. They came back and said it was XXXX XXXX that validated the XXXX ... even though XXXX XXXX said it wasnt on their report. How can you validate from lexis nexis if they deleted it? I want it removed 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 2020-09-08
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I am in the Public Service Forgiveness Program. FedLoans,  my lender since XX/XX/XXXX, needed to look though archived payments from previous lenders ( prior to XX/XX/XXXX ) to have eligible payments I made count towards the 120 needed payments for the PSLF program. Thus I submitted a review with FedLoans on XX/XX/XXXX. I was initially told the review would take 3 months. It has now been over 15 months and they have not completed the review! I called today and they said it could even take 2 years! I am now 105/120 payments into the PSLF program and I would like to have an updated, accurate count of my loans as I am getting closer to eligibility. Per my records I began in IBR on XX/XX/XXXX so those payments should indeed count. They told me there is no other way to receive further updates and I just have to wait for them to tell me they have been reviewed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : 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 EXPERIAN 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 explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had purchased the following amounts from Coinbase on the following dates : XX/XX/XXXX one transaction for {$270.00} and one for {$220.00} for XXXX. These cleared on my bank account on the following dates : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I was charged without my authorization and for NO product for the same amounts on the following dates which have cleared on my bank account and I have not been refunded : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I included screenshots showing that I only made those transactions on XX/XX/XXXX as shown in the recent activity area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 XXXXXXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On XXXX and Equifax it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: AMERICAN INTERNET MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I sold my house. Taxes and insurance were paid up to date by the transaction escrow company during the closing. I had an excess in escrow funds collected by the loan servicing company AimLoan.com. The loan servicing company owes me a tax/insurance escrow refund of {$620.00}. I provided a change of address to reflect my new mailing address. A refund was not received. 

On XX/XX/XXXX, an escrow summary letter from AimLoan.com was sent to my previous ( sold ) house and the USPS forwarded it to my new mailing address. I called AImLoan.com to make sure they had my new address ( I had changed it online ) and questioned when I could expect a refund check. They said it had been issued XX/XX/XXXX. No check was received. I was told I had to wait 30 days to be sure it wasn't just slow mail before I could request another check be issued. 

On XX/XX/XXXX, the re-conveyance of Deed of Trust was mailed by AImLoan.com to me at the old address. I called to have the address corrected again. Each time I called, I had to start over with the change of address routine. It seemed like a delay technique. 

On XX/XX/XXXX, XXXX 30 days after their issue date ) I made an official request in writing to have my refund check that was never received, re-issued. I was told it would take 2-3 weeks to check with their bank before they can re-issue a check. 

I received a letter ( at my new address ) dated XX/XX/XXXX from AimLoan.com research department stating they received my inquiry and referred it to the proper department for review. 

I received a letter from AimLoan.com dated XX/XX/XXXX from their research department stating they received my inquiry and referred it to the proper department for review ( second notice ). 

It is now XX/XX/XXXX and I have not received my escrow refund nor any further update on AimLoan.com servicing company efforts to refund my escrow surplus. Two months and 22 days past mt house closing and loan payoff date. Still no refund has been issued. 

Please help me get my money back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called someone I know and associate with on XX/XX/XXXX but is not on the account, never listed on the account and not even a personal reference on the account threatening them for me so they would contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: Experian Information Solutions 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:
I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since  XX/XX/2019, I have been trying to get this account removed off of 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 explanation
Consumer complaint received 2020-12-03
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am having issues with harassment calls from XXXX XXXX XXXX, headquartered in XXXX, Tennessee. Before I go on, my payoff amount is {$1000.00}. This complaint is in regards of the leftover {$110.00} amount on my account of this month. I have called this firm before XX/XX/XXXX warning that I am not going to make the full payment but agreed to set up an automatic {$130.00} partial payment on XX/XX/XXXX. The payment went through. Today ( at XXXX XXXX CST ), I got a call from the same firm ( " spam risk '' on the Caller ID ) demanding the other {$110.00} through an automatic payment and I told them Saturday. However, I was told that I can call to make the other payment at any point that I am ready, but I did not appreciate this sudden harassment that my bill is two days late. I was also told previously that if I needed to make another smaller arrangement to call before the due date. I am going through hard times with the COVID-19 pandemic ( although I am on Supplemental Security Income ) and do not appreciate this harassment especially as a " spam caller. '' I know that I have the right not to give out my Social Security number to a collector, but their policy is to ask for the last four digits of the customer 's Social Security number over the phone. I do not appreciate this harassment after an agreement was made and I want to ask the company to stop all communication with me and have a heart with people on Social Security. If I got extra money, I would pay more on the principal to get my monthly bills to an affordable rate. I have the right to file for bankruptcy if this company does not want to respect my privacy by not stopping calling me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( Experian, XXXX, XXXX ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX   Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File ID:XXXX Creditor : XXXX XXXX   Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your 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 2021-02-10
Company: SYNCHRONY FINANCIAL
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I demand : 1. Immediately correct mistake for this account and the balance is XXXX.

2. This nightmare has caused me mentally and financially suffered. My credit score went to down. This is a wrongdoing for a bank that mistreated a customer who has a good credit ( was over XXXX ) and who is a minority woman. 
3. I demand at least {$6500.00} reimbursement for the predation interest rate charged to my account plus my XXXX, XXXX and financial suffers. 

ON XXXX XXXX, XXXX Statement, Synchrony Bank under Ashley Furniture/SYNCBN Added a balance of {$3300.00} to my account. I paid off full balance of {$3100.00} on XXXX. I called the credit card company many times and they could not give a reason. Promised to call me back after investigation. They didn't but each added interest then late fee to this account. I called again same answer. I finally sent priority certificate mail letter to the bank and confirmed they received on XX/XX/XXXX. No any corresponds. I called again asking fax #, I faxed on XX/XX/XXXX. I have confirmation they received it.

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 monetary relief
Consumer complaint received 2021-07-02
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS COMPANY RMP SERVICES CALL EXTREME AMOUNT OF TIMES A DAY DAILY. THE NUMBER IS XXXX. TODAY XX/XX/XXXX AS OF XXXX THEYVE CALLED ME 6 TIMES SINCE XXXX XXXX. MONDAY XX/XX/XXXX THEY CALLED 13 TIMES FROM XXXX. THIS IS OUT OF CONTROL I WANT THEM TO STOP CALLING AND HARRASSING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: U.S. BANCORP
State: OH
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:
Us bank ReliaCard for pandemic unemployment agencies of Ohio has had my card locked for 2 months now. Since XX/XX/2020 to current XX/XX/2020. I have faxed all my documents such as photo ID, birth certificate, w2 forms and social security card! They still havent been able to help me unlock 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 2021-07-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company first contracted me a year ago then determined the debt was fraud and sent back to the company they represented. Now they are trying once again to collect this fraudulent debt. Ive already complained to the XXXX XXXX XXXX  again and I am now filing this report here. I have never been to Arizona and I live in Illinois. Apparently they have a new person who cant read a file correctly. I explained that I am not the right person and that I have fraud alerts in all three credit bureaus going back to 2015. They are attempting to collect a debt from somebody who use my name and is currently in prison in Arizona. I want it somehow made a permanent part of the record they have that I am not the right person and they need to understand I will not pay somebody elses debt. I am handicapped in a wheelchair and never leave Illinois. They need to stop harassing me. I am also going to contact her attorney and see if I can sue them for this harassment and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: RMS-Recovery Management Services, Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor Recovery Management Services ( XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with Recovery Management Services. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted 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 2020-07-23
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:
Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Hillcrest Davidson & Associates
State: LA
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 noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have this debt. Bogus charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
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:
I transferred some points from my HSBC World Elite MasterCard on XX/XX/XXXX to an airlines partner. This usually takes 2-3 days in my experience, but the confirmation and the email always state it can take up to 14 days. Points had not been transferred on XX/XX/XXXX, so I called HSBC. It took me 20 minutes and multiple calls navigating their imposible to use phone system to get a hold of somebody in the rewards department. That person didnt even know you could transfer points to airlines, basically she didnt know her know. So again I had to hang up and call again. Next I got a person who at least had an idea, but asked me to call next day, on the XXXX. I called the next day and every day after that, and nothing. They opened a case for me on the XXXX. Case number XXXX. Every time I call and provide this case number, I get the same answer. Oh you have to call later. No resolution. Nobody knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.

Company response to consumer: Closed with explanation