BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-26
Company: USI Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. They have the wrong person. I never purchased anything from XXXX XXXX. I have been trying to dispute this same debt for many years and it has previously been closed by other debt collectors. See my documentation of this process attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX Law requires them to respond within XXXX days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-05-06
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I completed a police report on XX/XX/XXXX. sent a certified letter to I.C. Systems on XX/XX/XXXX and XX/XX/XXXX for validation of the debt and got no response. active fraud alert is on file with all XXXX credit bureau 's

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 2019-09-14
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2018-06-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX Received approval notice for Citi Double Cash Mastercard XX/XX/XXXX Activated card successfully via phone number on front of card XX/XX/XXXX Used card for purchases at a diner XX/XX/XXXX Attempted to use card at a XXXX XXXX in XXXX, Pa only to have it be rejected XX/XX/XXXX Called Customer Service and was put on hold for over 10 minutes, after telling me they had to " verify my account ''. Gave them name and number of another credit card ( as requested ) other than Citibank and was placed on hold again for a long period of time. Called me back and got another person REQUESTING THE SAME INFORMATION!

XX/XX/XXXX Attempted to go online to verify my account and SERVER WAS DOWN.

XX/XX/XXXX Called Customer Service only to be told that they HAVE TO VERIFY MY ACCT!

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed Student Loan Services. Then to XXXX/Dept of Ed Student Loan Service. XXXX, of each year, a deferment was applied for and awarded.

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX/XXXX   XXXX {$0.00} XXXX XXXX {$28000.00} US DEP ED XXXX {$45000.00} US DEPT ED XXXX {$55000.00} XXXX XXXX {$4500.00}

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 2020-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX at XXXX XXXX  receive an email debit card locked. 
XXXX XXXX  immediately because I have the card in my position XXXX XXXX  receive an email you added XXXX XXXX to your XXXX account XXXX XXXX  receive an email you send XXXX XXXX {$2700.00} I am still on hold trying to reach Bank of America because I do not know this person I left work and drive to the bank while still on hold, arrive at the bank had to joint a line to go in the bank due to COVID-19 Finally got in the bank at XXXX still on hold with the Fraud department, explain the agent what was going on and if I should hang up she replies no because I also need the Fraud department. 
The agent assists with the reissue of a new debit card and also changing the online password and had to wait now for an agent to pick up. 
XXXX from the fraud finally pick up explain to her what was going on she said she can stop the payment and place the money back into my account. She places the {$2700.00} back to my account and assists in changing my user i XX/XX/XXXX the money was again missing from my account call the fraud department again spoke with XXXX explain to her again what took place she said the account should have been close once the account had fraud done on it, she then closes the account and file a claim and advised will need to transfer me to get a new account open and once that's complete she will transfer the balance into the new account and the claim should be done within 10 business day. 
The new account was open and balance from the old account transfer, I continue to call Bank  every day advised still working on the claim. 
XX/XX/XXXX at XXXX XXXX  receive email claim denial because the transaction was validated using an authentication code sent to a valid phone number belonging to a signer on the account. I then call the bank to explain that I didn't receive a text-only an email request copy of the text on XX/XX/XXXX Bank of America then send me a copy with 2 texts one at XXXX on XX/XX/XXXX and the other XX/XX/XXXX at XXXX XXXX. why would that prove that I approve transition because at XXXX on XX/XX/XXXX I receive that text to verify looking up my user id and on XX/XX/XXXX I receive a text to verify my identity Bank of America can not send me to prove of any text that was sent on XX/XX/XXXX between XXXX when the money was taken from my account at XXXX WHY would I be getting a text at XXXX and on XX/XX/XXXX at XXXX XXXX. Need some assistance

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 2019-03-26
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
Barclays US closed my account in XX/XX/2018 when it had a balance of {$2700.00}, I was paying it off as fast as I could because I already knew it was way over the limit. It was hard trying to pay this off when I was college student because my dad promised me that this would be off my paid off but then I got stuck paying for this out of pocket myself when I was in college. So I was always communicating with Barclays about the payments especially when I ran out of money when I paying bills. But I have XXXX delinquent payments on my account credit report, I did not know I had two 30-day late payments and one 60-day late payment until it already posted on my account. They did not once email or call me to inform me about these late payments until it was already reflected on my credit report. I was also not contacted about my my account closing until I logged in one day on their website, I always used their app to pay my bill, and they closed my account without my knowledge!!

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 2021-05-06
Company: EQUIFAX, INC.
State: AR
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:
None is the questions in the beginning of complaint really relates to my chief complaint. My complaint is that I have a XXXX XXXX  credit card, I make all payments on time with Regions bank! My payment history are exceptional!! Well on XX/XX/2021 I made my XXXX XXXX  credit card monthly payment in the amount of {$290.00} via phone. Then on XXXX XXXX I made a double up payment to my XXXX credit card account in the amount of {$930.00}. However, since making the payment, I haven't noticed my payments made in XXXX being reported by XXXX XXXX credit card accordingly. Them not reporting my payments aren't helping my credit or my score but tearing it down and depriving me of a potential elevation in my score as well being recognized for making not only my monthly payment on time but I have made in addition to my regular monthly payment a triple payment to my account and I deserve the right to have my payments recorded in the proper time frame but routinely every 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft.

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 2018-02-21
Company: Orions Management Group, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received several voice messages from a XXXX XXXX from the beginning of XX/XX/2018 to present stating to call about important documents to discuss and that it was a time sensitive matter. Threatening that must be called back or would " proceed accordingly '' and states that he has legal documents on his desk just waiting for him to file. Calls me several times a day with the same thing saying that I must call back that same day. I have had to block their number through my cell phone provider. They are also harassing me at work calling me several times a day and I have asked them to stop but they won't. 

They are constantly calling and harassing me stating that if I don't answer by the end of their day they will have no choice but to act according and file the legal documents they have on their desk. They have been calling several times a day for a couple of weeks now and are even harassing me at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Hello, The account under my XXXX  named SYNCB/XXXX  is showing that is still open. This account is suppose to be closed because it was included in my chapter XXXX bankruptcy that was discharged  XX/XX/2020. It is showing to have a balance of {$170.00} and a limit of {$250.00}.

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 2018-12-26
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I was looking through my credit karma and see I have a hard inquiry on XX/XX/2018 from Credco. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.

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 2018-12-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a sale date on my property for XX/XX/2019 and file per my lender my loan is in litigation and my 3rd party I have authorized and my attorney even authorized to speak on my behalf with XXXX XXXX XXXX. This has been a on going issue with the lender Attorney XXXX XXXX XXXX for the Litigation process, this woman never returned my calls or EVER responded to emails at all, I have attached a conversation with all parties and it CLEARLY SHOWS that my Attorney XXXX gave XXXX all the authorization needed to be for them to speak on my behalf and she refuses to return a call to anyone at all. With my sale date around the corner XXXX wants to speak to my lender and go over the status of the file to get me some sort of mortgage assistance. I had them even email to Rushmore my lender to a Manager, Mr. XXXX and he is the same way he washes his hands of it and passes it on to who ever he can to not speak to any one. How can i get anywhere when i cant speak or have anyone speak to my lender and know what is going on with my file today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter on XX/XX/2018 by XXXX XXXX XXXX in response to a letter that I sent them asking them to validate the debt. The company refused to validate the debt stating that my dispute was prepared by someone other than my behalf. It was a notarized letter I had sent to them. They are in violation of the Fair Debt Collections Act for refusing to validate the debt. 

Please also be aware " XXXX XXXX XXXX '' aka " XXXX XXXX XXXX XXXX '' is not authorized to collect the debt within the state of Utah. They are not registered in the state of Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2022-01-07
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:
Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX continues to report my account as CHARGE OFF account was paid Equifax continues to report as account current and charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: JPMORGAN CHASE & CO.
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:
I have been a Chase Bank customer for over 20 years, I had car loans through them through out the years. Five years agoI went through a divorce in the process of my divorce I manage to pay of my car that was finance by Chase Bank. Two years ago my kids wanted an item on XXXX I applied for there promotion they had and to my surprise I was denied it said Chase Has denied your credit application. I called them they told me there was nothing they can do. Almost three years later I applied again They denied me again. I feel that Chase Bank Credit Financing is being extremely unfair, plus Im trying to buy a house right now and this Is affecting my family. Life is not easy after a divorce. Everyone knows that our credit scores are very important. This company Chase Credit Financing, Chase Bank right now is stopping my family the opportunity to  progress and achieve in life again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I instany transferred money from my PayPal account to my XXXX debit card, a total of XXXX $ on XX/XX/XXXX and it was stuck on pending ... .for days, it's now XX/XX/XXXX this was supposed to be an instant transfer, money in minutes, I call both XXXX and PayPal over 10 times trying to get this resolved, apparently the transfer was denied on XXXX  side due to a maintenance error and PayPal said it should go straight back to my PayPal account in a few days, few days go by and nothing, call again, they forward it to there technical department and say they email me in 24-72 hours, no email ever arrives, I've yet to receive a single email on the subject at all, so I call again and they tell me the same thing and put a trace on my money cause apparently they have no idea were my money is ... .its been weeks and they keep telling me there trying to find my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with TRANSUNION. Delete this unverified account immediately ( US BANKRUPTCY - XXXX ) The FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify 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 explanation
Consumer complaint received 2021-09-02
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit system at XXXX. XXXX XXXXXXXX XXXX, GA XXXX has been sending me collection notices in the amount of {$620.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For about 2 years ( XX/XX/XXXX-XX/XX/XXXX ), I had leased an apartment at XXXX XXXX XXXX which I really regret had it done so. The lease was under two names : myself and my dad. At the beginning of theXX/XX/XXXX, my dad and I renewed the last lease which was for 6 months, this lease was going to expire on XX/XX/XXXX. Thats the only lease I agreed in that year. Here is where the issue starts, the apartment complex company through a U.S Collections West Inc. company sent me a letter that I owed {$2900.00}. I was really surprised because we paid off what was stipulated on the lease I signed, so practically we did not owe a cent to XXXX XXXX XXXX. Then, the collector sent a document where they manipulated the date on which the lease was supposed to end. They altered by adding an extra month so the lease supposedly ended up on XX/XX/XXXX. That lease does not have my signature, that lease Im not aware of. My dad who does not that much of English, they made my dad to sing the new lease. They took advantage of that. They never communicated me what was going on. Unfairly, XXXX XXXX XXXX is charging me that amount of money for not complying with the lease whose lease doesnt have my signature and also is fraudulent.

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