BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Breach Of Contract, Many Businesses who have made Fraud misrepresentations, and false statements made false assertion Fraud debt. They're Intentionally used this method as tortious act to infliction of emotional distress. They are stealing my personal information, creating accounts through their system. Present i am grossly, affected by the Data Breach. and Fraudsters, using my personal information and is being passed on deception through Identity theft and XXXX Data Breach files are being created in my names. Today received letter from Dynamic Recovery Solutions LLC. Referencing XXXX XXXX XXXX, XXXX and referencing XXXX XXXX  requesting {$1200.00}. Deliberate interference violated by the intentional torts of assault by calling repeatedly. I have never authorized this debt. My rights are being infringe upon. Over Two years ago, I am being taken to Court by XXXX XXXX XXXX, although, prevailed, in case they received a Judgement for this account in the amount of {$1900.00} on XX/XX/XXXX. Now they want more, I and being invaded by Debt collectors Data Base. I have been harassers ever since. I am being invaded by Debt collectors Someone attempting to collect a debt constantly calling phone calls on my cell phone. Constantly being taking to court by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX  XXXX. Two days ago, received a box of XXXX XXXX with multiple transactions from multiple accounts that most are not mine file from XXXX ( stating I am requesting information ), which I didn't. Many Cases constantly being filed in court. Every day, I am being contacted for more money they say is owed in my name. What can I do? I do not own money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
American express Serve has recieved a refund on XX/XX/XXXX Form a returned item i purchased. They immidietly placed a hold on the funds " for review '' i habe made several.attempts to try and find out why my fund are XXXX XXXX and what exactly what is being reviewed but their customer service agents keep lying saying the amount in my Transaction history with a + sign in green and a Transaction ID is not actually a transacaction but a notification Form the merchant giving them a heads up that a refund is coming their way. Ive reasoned with them but none of them want to damit that my crdit has XXXX recieved therefore i can not have my issues addressed. Ive wasred hours and im fed up because theyve Been getting paid to waste my time while i cant even usw my money to buy food for me and my sibling which is why i returned thebitem. Why are my funds still in hold and in what type oft account are they Held in, is interest accrued while in this account before XXXX released back to me? All we had left was rice and it is now gone. Your Speers response is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.

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 2019-09-11
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FRANKLIN COLLECTION never mail a collection letter. Also, the company place a collection trade mark to all my credit reports. Refuse to validate the trademark.

FRANKLIN COLLECTION SV Original creditor : XXXX XXXX Amount : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. 

The most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: PA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the Original Signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Navient Solutions, LLC.
State: FL
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:
Navient has placed incorrect information on my credit report. I became XXXX ill a few years ago and can no longer work. I callled Navient to ask if they could help with reducing the amt of my loan payments. They told me there was nothing they could do and no resources available to help me. My grandmother was my co-signer on the account.They continously called her and a few times threatened her. One man that called her from Navient told her he knows where she lives. Another told her since she lives in FL she must have money and needs to pay immediately. A woman from Navient wanted to go over my grandmothers bills with her. My grandmother thought the woman was trying to help her so she started telling her what bills she pd monthly. When she told the woman she pays a lawn service to cut her lawn, the woman scoffed at her and told her she needs to cancel that service and cut the lawn herself and informed my grandmother to use that money to pay Navient. My grandmother is XXXX years old and just lost my grandfather 2 years ago and lives alone. She is physically unable to mow a lawn! After a few years of going back and forth with Navient between my grandmother and myself, Navient offered a settlement. They wanted a payment of {$640.00} and this would close my acct with them and my debt would be paid off with no repercussions. Navient was PD {$640.00}. On XX/XX/2020. They have yet to report this correctly to any of the credit bureaus. I've disputed this acct with all 3 credit bureaus several times each and everytime the information is changes with the acct to more incorrect information. I don't know what to do ... ..I was evicted from the house I was renting because we missed the last few payments on the lease prior to the lease ending. My son and I are stay I with my grandmother ( unlawfully according to her HOA as its a 55+ community ). I'm currently having no luck being approved for a rental, not because of the eviction ( luckily not on my credit, yet ) but because Navient is playing games with my credit report. There has to be something I can do to correct this. My son and I will be living in the car soon if I can not get approved for a home. 
They offered to settle after

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
University XXXX XXXX reported a charge to the credit bureaus but failed to send signed contacts and documentation when i requested it. They school emailed me a statement validating that i was once a student there however they did not validate the right to report the debt and a signed contract was not sent. I have paid in full invoices from the school in 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 explanation
Consumer complaint received 2019-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I ordered a cashier 's check on USAA mobile app on XX/XX/XXXX for XXXX $ and requested it be mailed to XXXX XXXX XXXX XXXX XXXX XXXX MO. USAA mailed XXXX $ check in a USPS 3 day priority envelope only insurable to XXXX $ to XXXX XXXX XXXX instead. The envelope was delivered on XX/XX/XXXX and has not been cashed yet per my inquiry today. USAA refused to admit fault! I am in horrible financial strain now due to their negligence. Tracking # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My current loan with XXXX is being managed by a debt management company, XXXX XXXX XXXX. The company has been making payments on this loan; however, XXXX is reporting my account as deliquent and past due, which is negatively affecting my credit score. I have tried contacting XXXX  by email since XX/XX/2018 and have not received one response to any of my emails. When I contacted them by phone, they would not speak to me or provide any information since they have it recorded the loan is being managed by XXXX. However, my XXXX  representative has been unable to get ahold of anything at XXXX either to get this resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Public record information inaccurate

Complaint:
I received your correspondence on this alleged account stating your ( verified/ updated ) this account which is a violation. Bankruptcy court doesnt even give consent to third parties to collect my information I have contacted them personally and gotten multiple written documents from the court to support my cause. I asked that you remove all inaccurate bankruptcy information if you chose to play with me It will result in multiple fines under the law. 

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: AMERICAN EXPRESS COMPANY
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I attempted to use my American Express card to purchase tickets to a show at a website which I had not used before named XXXX. I was unfamiliar with the website and attempting to put together a trip. I did not realize that what I was purchasing was so expensive and that it included trip insurance, and a few other add-ons. This occurred on XX/XX/XXXX. Suddenly, I realized that the total purchase price was {$940.00}. At about the same time, my potential transportation fell through and I decided to cancel the trip for good. When I received no response from the email XXXXXXXXXXXX, I attempted to contact the trip insurance ( which I had not realized that I was purchasing ) email address about cancelling the trip -- - All on this same date of XX/XX/XXXX I phoned American Express and indicated my predicament and mentioned that I wanted to cancel immediately. At first, American Express told me I could do nothing until the purchase was actually charged, then when it was charged, I was advised to file complaints, which XXXX  refused to resolve. I never received an answer from the vendor, or so-called 'trip insurance '. I attempted to cancel with every party within an hour or two after the purchase. Have never had bad experience with other credit card companies, and clearly the XXXX folks were not willing to negotiate this with me. I have sent them appeals through out the year ; In the year XXXX, the purchases on my XXXX card totalled about {$20000.00}. I have enjoyed 40 years of paying the XXXX bill promptly and there has never been this kind of dispute previously with XXXX representatives refusing to ameliorate. -- It really appears that XXXX was deceitful and tried to trick me to be responsible for a charge for which I did not benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, I purchased a home through XXXX XXXX and my home closed on XX/XX/XXXX after a VERY long drawn out process. My first payment was due to XXXX XXXX on XX/XX/XXXX. I reached out to XXXX XXXXXXXX  to ask how I make my payment and was advised to mail my payment to XXXX XXXX. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to XXXX XXXX which they received AND cashed on XX/XX/XXXX ( confirmed by XXXX XXXX because I got a letter on XX/XX/XXXX saying XXXX was taking over my loan as of XX/XX/XXXX so I wanted to confirm they got my payment ). Round Point Servicing contacted me early XXXX to advise my payment was late. I let Round point know I was n't sure what they are referring to because I made my payment to XXXX XXXX and got conformation from XXXX XXXX at XXXX XXXX that XXXX development received the payment. I received a letter in the mail from Round point around XX/XX/XXXX or XX/XX/XXXX stating my loan had been transferred to them as of XX/XX/XXXX. I am in the middle of a battle with Round Point and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with Round Point to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX  about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XX/XX/XXXX advising I still need help because Round Point calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by Round Point, and nobody can seem to get back in touch with me at 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 2021-11-09
Company: OPTUM BANK, INC.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I requested a transfer of my XXXX from Optum XXXX to XXXX XXXX on XX/XX/2021. As of XX/XX/2021 the account still has not been transferred and when both XXXX XXXX and myself call we are told it is still awaiting approval. 

In the meantime, Optum XXXX has been charging a monthly fee, which I would not pay at the new provider. Thus, there have been two monthly fees attached along with my XXXX not being transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: FL
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 XXXX is reporting a paid as agree a, with no late payments, as 60-90 or  more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to Equifax and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and Equifax ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX  that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling mr their product so this remains inaccurate

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion has taken 20 points from me for an account that I closed, which was in good standing and fully paid off. The account is too old to effect my credit score, because its past 10 years old. All of a sudden, XX/XX/XXXX, they took 20 points from me because I had an account closed. I filed a dispute and they " removed it from my credit score '' but never gave me the 20 points back. I disputed it again. This time transunion said I disputed my Mortgage instead of the account I was having problems with. Once the dispute came back as correct, my credit score dropped yet again. After this, I disputed again. This time transunion went into a different account once more and again the information came back, which dropped my score again. I tried calling transunion and speaking with two different people, yet neither one of them understood the above information. Instead of taking care of their mistakes, they kept repeating theirselves " credit is calculated by a number of factors ''. The problem is my credit score keeps dropping because of their mistakes and they won't fix them. XXXX  has an accurate score, while transunion just slaps whatever they feel.

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 2019-05-15
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:
the following account two ( XXXX XXXX XXXX accounts are reporting under my name, which are not mine, these are someone elses information reporting under my name, and could be an ID theft issue which i have been disputing with equifax who have not been helpful at all. please as a consumer i need you r help to have these inaccurate two loans removed from equifax credit reporting, appreciated

Company response to consumer: Closed with explanation