BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: The Receivable Management Services LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified recently when checking my XXXX credit report that a collection account has been placed on my credit report opened XX/XX/2017. Upon looking i see it is from RECEIVABLE-in regards to XXXX  XXXX in the amount of {$160.00}. I Have never received notice of the alleged debt and have no idea what the debt could be for. In doing so i was denied my legal right to dispute any debt within 30 days of notification pursuant to the 15 USC 1681 et al. 

I would like to ask if Receivable is the original creditor? Can they prove beyond a reasonable doubt that i have a signed agreement agreeing to pay your company? 

I am demanding this to be removed from all of the credit reporting agencies and proper procedure and protocol is to be followed. 

if a a reasonable solution is not reached i will be forced to file a complaint with the attorney generals office in the state which said company resides up to including litigation in a court of law. 

i have also attached a screenshot showing this account removed from one of my reports but still remains on my other credit reports.

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 2023-01-11
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: Account status incorrect

Complaint:
I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my Experian, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.

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 2019-03-07
Company: SYNCHRONY FINANCIAL
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 customer service

Complaint:
Synchrony Credit for XXXX XXXX credit card is an absolute disgrace and beneath standards of basic business. They ripped me off on promised rewards. They don't provide accurate itemized statements. Only summaries. They email my certificates with their hundreds of ads emails per month subjecting it to the risk of being stolen and won't stop it or give me the ability to stop it. I tried to call them and have limited phone minutes. It takes 10 minutes to get a person through their horrible recorded phone system. I entered my private info and then the person who comes on has no idea of what I entered and plays dumb. I wait even more they have no idea about the program or what I am due. I was put on hold and waited another 20 minutes and got nothing out of it. Then I called the next day went through endless loop of recordings and talking to the recording and waiting and waiting. Then I ask and some so called manager comes on after I demanded her and she is even dumber than the rep. She asked me for 3 private info. I gave it to her and she kept asking even more and more to 5 and still didn't help me. I am giving all my private info. over an insecure phone subjecting me to even more risk. There website says it has chat which is a lie because it is only a search bar for help yourself. These companies are getting away with horrible crime by issuing accounts and not providing basic reasonable and useful service for customers! They promise promotions and do not deliver or fulfill them! I returned an item to XXXX XXXX and they were suppose to give me back the amount of the rewards I paid with. They shorted 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 2019-03-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

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 2019-03-07
Company: MoneyLion Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I was approved easily for a small {$500.00} loan as part of the MONEY LION PLUS PROGRAM and paying XXXX a month - I have no problem with that as I'm working to build my credit score while on a humble XXXX income I had to turn to 5 years ago as my condion worsend.. 
Hower part of the money Lion plus program was they also deduct from my account ANOTHER {$79.00} -broken down into XXXX as a monthly membership fee and a XXXX into a " investment ' '' account - The loan I can handle ... 
My complaint is the other XXXX that is almost double my loan payment -- it's tightened up my budget beyond being doable in life needs - since the other XXXX is really my money voluntary put in a investment - I called them, and asked to close my membership, send me The XXXX ( built up in " investment '' ) that's mine, OR put it towards loan payment - seems fair and morally even I pay what's lended to me They said no way ... it will ALL continue till loan payed.. 
I payed down to XXXX and WILL pay THAT- they refuse to stop deducting the other XXXX monthly out of my account that's Not part of loan repayment - I told them I'd call the bank and stop the ( ACH ) deduction that was the member / investment part - They replied - " they'd give me a negative mark on my credit score EVEN if I kept paying loan BUT didn't pay other deductions that are MY money, not loan ... 
An extra XXXX might not seem like alot to some, but when your paying up past LEGIT bills to improve credit score, while living on tight budget, it all helps - but even with my personal life not included, there unwillingness to allow me to close account while still paying loan is my complaint to this organization. 
Thanks for reading and any help that can be offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a credit score of XXXX with no bk 's or late payments. I was denied a credit card for a Southwest Airlines XXXX XXXX Account by Chase bank on XX/XX/20. I am currently only utilizing 3 % of my available credit. There is no reason I should have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Omnex Group, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
last XX/XX/2020, i, XXXX XXXX, US cell phone XXXX XXXX XXXX, sent pesos XXXX to XXXX XXXX ( XXXX phone XXXX XXXX XXXX ) through XXXX XXXX an XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, NJ XXXX after twelve days, the money is still not yet available. calls to them went un answered. they make everything difficult, and they said you can not call them while you are in the XXXX. my XXXX cell phone number is XXXX XXXX XXXX the reference number for this transaction is XXXX XXXX  told me to contact them through XXXX XXXX XXXX XXXX if contact them, they will just put down the phone. i tried their email XXXX. they will not reply. 

please help me recover my money from this XXXX scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: SYNCHRONY FINANCIAL
State: TX
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:
on XXXX syncblowes XXXX got a copy of my XXXX report without my conset i did not try to appy for anything with you guys please remove from my report also im requesting evidence of how this inqury was mine

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 2020-01-21
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2019 collection account placed on my credit profile for {$830.00}. 

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 2019-03-07
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I had a payday loan with XXXX XXXX XXXX, I became XXXX and was not able to pay it. EVERYONE in my family has been contacted by the company they hired to try to collect or file legal action against me. The company ( XXXX XXXX ) gave everyone in my family their phone # along with the case #, all they would have to do is give my birth date or last four SS # and they could have access to this information! I called the company at XXXX XXXX and asked that they not contact my family. They said they noted the account, but yesterday evening they ( compliance officer ) contacted my brother in law and left all of my information again name, their # and my case # and this is a debt and I would be getting it filed in court etc. 
When I called and spoke with them again to try to work out a repayment plan they refused my offer. I was also told that XXXX XXXX XXXX sent me a certified letter and made numerous attempts to contact me. I never received anything. I have emailed XXXX XXXX XXXX two times to try to work this out without a response. The company that was hired is extremely rude and nasty, they would not give me their address, fax # or any information for my own files I was told that " I do not need it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I already mentioned that you guys should already remove this bankruptcy due to inaccuracy! I have the letter from the court!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I already mentioned that you guys should already remove this bankruptcy due to inaccuracy! I have the letter from the court!!

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 2019-03-07
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied for a {$3200.00} loan we could loan me last year due to my good credit FICO XXXX I was approved. the loan officer was  harassing me everyday that I must take out XXXX XXXX that would be better for me. the distribution of XXXX was such that they paid off my One credit card for XXXX what's the interest rate was only 9 % in the balance was put into my checking account at XXXX XXXX. during the approval process I was asked to send a voided check with my ID to the loan officer but she never disclosed to me that without my authorization or knowledge she set me up for automatic withdraw from my XXXX XXXX checking account fraudulently. on the second month I called XXXX XXXX to put a stop payment on that withdrawn since it was not authorized by me. due to the monthly payment being changed loan me  again was able to take out money from my XXXX XXXX account without my authorization. from the day I got that loan I get harassing phone calls on daily basis from their call center non-stop switching their phone number two different numbers and calling what are the payment is due or not. since last year I've been asking the representative to send me my loan disclosures that tells me what my interest rate is and what my balance is and they say yes we will send it to you but as of XX/XX/2019 I have not seen anything in the mail. I am providing you with a copy of the monthly statement that they sent in the mail it does not say the interest rate the balance or anything all it says is how much to pay which is predatory. I am not able to pay XXXX a month it is unknown number. I will file a lawsuit against loan me if for any reason they start calling my friends my relatives or anyone that I am associated with pretending to look for me. 
loanme  is fully aware that I am unemployed at this moment but yet I have been paying their monthly payment since last year. it is affecting my health in my well-being and I worry every night about this loan. I wanted to report this earlier but my brother-in-law passed away and I was busy taking care of him so I had no time to deal with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During a credit pull by our bank for a mortgage loan, we noticed a negative hit from First Financial Asset MG ( FFAM ), after further research, we were sent a bill for {$290.00} for XXXX XXXX XXXX. I called and explained that the bill looks to be for the full billed charges and does not show the correct payment and balance owed after medical insurance had been applied. I provided information on payments and insurance adjustments from 2018 and was told that they would research and call me back. I did not receive contact back. 

I then disputed the charges through the 3 credit credit bureaus. One was over turned and removed and the other two upheld stating they received verification of the debt from FFAM. 

I am now seeking help from a CFPB to review and help settle this incorrect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX i deposited {$2000.00} dollars into a chase atm outside of a chase bank. the atm broke upon depositing the cash and gave me a transaction id receipt. i contacted chase and they said theyd file a claim. they did and the claim said the atm tech went out to examine the issue and couldnt find the money. now i have filed a police report and escalated the claim. the atm undoubtedly has visual evidence of me depositing SOME cash into the atm. at this point im looking into getting a lawyer to subpeona to get the footage from chase since they refuse to investigate internally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello Friend, About a week ago XXXX  XXXX  sent me an email indicating that my Credit Score from the 3 major Credit Bureaus ( Trans-Union, XXXX and XXXX  ) was very good at XXXX. 

A couple of days ago I checked my XXXX XXXX account and I was surprised, confused andvery, very unhappy! 

I discovered that my credit score had been lowered by 42 points. Something nefarious is going on when a credit score is dramatically reduced virtually overnight!

Today I spoke withTrans-Union representative without a profound answeras to why my credit score was reduced by 42 points inside of a week!

Over the past 2 - 3 years I've worked very hard to improve my score, and I was making steady positive progress in consistently paying my debts and making on-time payments every month!

Can you provide me with some clarity as to why my credit score has been suddenly and dramatically reduced by 42 points? 

I can be reached by email at XXXX, or by phone at XXXX. 

I thank you in advance for your kind consideration and quick response. 

To Your Brilliant Health, 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 2017-12-16
Company: Experian Information Solutions 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:
On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.

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 2021-06-08
Company: EdFinancial Services
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2018-12-19
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX XXXX XXXX. I'm the one who made currenty correction. If the twe countrys. I could name them an tell long it took me to do.date tI 'm everything. I even got prove. An my two old cell phones got stolen. That's how an also my mail. No court date came in. My emails got hack also XXXX XXXX. I need my life back I feel like this money could leave to my family being hurt. I need to do this fast please. An get out of town before bad thing happen.are happen. An I know Google an XXXX are in on it. Sorry do late better late then never.

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