BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: OneMain Finance Corporation
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has continuously disregarded my attempts to stop them from violating my consumer rights. Pursuant to 15 USC 1692a ( 3 ), I, XXXX XXXX am the consumer. 
On the XXXX day of each month, One Main Financial sends me a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Monday, XX/XX/2021, I sent One Main Financial an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a Bill of Particulars, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IQ Data International is attempting to collect on a debt that I am no longer responsible. The amount of this debt is {$67.00} and this debt has been paid to the original creditor, XXXX XXXX AL. XXXX XXXX AL agreed to mark this bill as paid and to stop all collection efforts. As of today, IQ Data International is still showing on all of my credit files and they are continuing to defame my credit score, preventing me from obtaining adequate housing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
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 have been paying child support for years. The 1st case, I paid child support for a child that was not my child. I went to court and the judge did a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after years of paying support. The Louisiana Department of Child  support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another Louisiana child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. Louisiana Child support, XXXX, Equifax  and XXXX, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Solar Mosaic LLC
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 information incorrect

Complaint:
This account has been paid in full and the company has refused to update the information on my credit report. I have disputed this item 3 times and still no change on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
We purchased a vehicle with a loan from USAA. We paid the loan off in full, they sent us the title and a letter stating that the loan was paid in full. They then proceeded to report our last payment as overdue. Despite calling them and disputing the item on our credit report they continued to report it. It's been a few years so the damage has been done but I would still like it gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Capio Partners, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX. I have had a collection account ASSETCARE LLC XXXX XXXX XXXX XXXX  File number XXXX disputed several different times with XXXX. The collection amount shows {$630.00}. 

When it first appeared on my XXXX  report two years ago I called the collection company and asked them to send me the information regarding the charges to verify accuracy. They refused to speak with me unless I provided my social security number. I disputed the account with XXXX  and they removed it from my credit. 

One year later the same collection account appeared on my XXXX report. I disputed it again and was told by XXXX  that they verified it to be accurate. XXXX  refused to provide me with the documentation that the company sent to XXXX  to prove this was my account. However, XXXX  removed it from my credit report. 

This same collection account appeared on my credit report this year. Again I disputed with XXXX  and they have returned the dispute as a verified account. 

I believe this collection account to be fraudulent. Every time the collection account has been added to my XXXX  report they have changed the date which says when the account was opened. This current account is stating it was opened XX/XX/XXXX. Clearly, this is not accurate since I have attempted to dispute this account for two years. The initial collection from the XXXX  report believe says it was opened in XX/XX/XXXX. 

I have no knowledge of this account and have never been provided with a bill for services. I would like XXXX  to remove the collection account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, at XXXX XXXX, I made a XXXX $ money transaction with a person name XXXX on the Cash App ( his profile is XXXX XXXX ). After we made the transaction, the seller blocked any of my contacts and declined my refund request. I have contacted XXXX to report such case but received an automated email about how they can not refund the completed transaction. I try to contact my bank while the transaction is still processing, but my bank said that they can only help me to open a dispute after the transaction is final. Is there any way that I can stop the process? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: SUNTRUST BANKS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company is beiing file against SunTrust Line of credit. account XXXX. This is i as a line of credit that they close because after eight year never missed payment unite my father dead and we went through some hardship. SunTrust employee just harassments me for XXXX on the account call my home three to four time a week. there representative need to train they close my account with out being 30 day late. they sent the statement for the XX/XX/XXXX bill and the billing cycle is 31 day. I ask them not to call my house any more. and they said just pay the XXXX and we will stop call. this is nothing more then harassment for XXXX. never being late or missed any payment. the representative told me that my line has a10 grace time before it come pass due. this is what there me respresentative. went dose the hardship come in after loss a family member and upstanding

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 2021-06-25
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a letter from I.C. Systems regarding an account with XXXX. I did not open an account. On this date, I spoke with XXXX XXXX and XXXX with I.C. Systems regarding account # XXXX and I.C. Systems ( I.C. reference # : XXXX, phone # : XXXX ) did share it was services for location at XXXX XXXX XXXX in XXXX XXXX, NV between XXXX, XXXX to XXXX, XXXX. I do not live in XXXX XXXX, NV nor do I have any family members that live there. We indicated to XXXX that this fraudulent and not my account. She then indicated to go onto XXXX and submit fraudulent submission, which I did. The amount due on the account that was opened is {$760.00}. I also filed a police report with my local police department and filed with FBI 's website. Today, XX/XX/XXXX, I am filing this report with the FTC. I.C. Systems continues to report the collection item as a new account and it having a negative effect my credit profile.

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 2020-04-29
Company: Resurgent Capital Services L.P.
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:
I have contacted LVNV Funding, XXXX, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with LVNV Funding is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There was a Victoria Secret card opened some years ago. I called Victoria Secret directly about the alleged amount of {$420.00} which XXXX XXXX is reporting. Victoria Secret stated that it is four three or four body sprays. If we do the math, their body sprays are always ( around ) 3 for {$25.00}! There is no way that it should be legal for a company to charge any one Almost {$400.00} in interest and fees! I have requested for the original contract, information on how this account was opened, and an itemized list of the fees associated to be mailed to me. This letter was sent via certified mail. I have the receipt and copy of the letter sent. I received a reply with none of the requested information that would legally validate the account and also break down these outrageous fees. Per my rights I am requesting that this account is deleted since the creditor has failed to validate as requested, and also due to the fact that it is also illegal to accrue so much interest for just {$25.00} ( give or take a little ). Account # XXXX Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
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:
I have contacted XXXX XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a private loan, XXXX XXXX XXXX, from Navient on XX/XX/2006. My father-in-law cosigned this loan for me. I still have a balance on this loan due to it being in deferment when I went back to school for my XXXX XXXX XXXX and due to the government halt on student loans for COVID relief. My father-in-law is in very bad health, has retired, and is not in the financial shape he was in back in XXXX. He has requested to be taken off the loan as a co-signer. I have called Navient to get this taken care of, but they will not work with me at all. I could get another co-signer added to the loan in place of my father-in-law so he will not have to be burdened with it. He did me a favor at the time he agreed to be a cosigner which I appreciate. I did not intend for it to eventually cause him distress and have an impact on his financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by AlliedInterstate about an unpaid bill. The total amount due was {$220.00}. AlliedInterstate offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from AlliedInterstate stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement. 

Apparently, Allied Interstate did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago. 

A collection agency named XXXX XXXX is reporting it now, and another named XXXX XXXX also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.

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 2019-06-24
Company: Focus Holding Company
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has reported a collection account on my credit on behalf of XXXX ; I do not have an account or has never had an account with XXXX. This issue was addressed with XXXX and I was reassured this issue was resolved that this account do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Tribal Lending Enterprise, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XXXX of 2018, I obtained a loan with XXXX XXXX XXXX for approximately {$770.00}. This was online and the advertisement was deceptive and did not understand how much I would owe the company

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 2021-05-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive personally been a client of American Express since XXXX possessing multiple cards including their highly touted XXXX  card. Ive never been late or close to it in those 15 years as a client. My employers company card is an American Express XXXX  card which allow me as an employee to use the card for business purposes only and the company pays the card balance. Evidently my employer paid some of the company credit card balances late in XXXX and American Express tacked on late fees to the balance. Please note every card transaction was paid by my employer but American Express continued to bill late charges on top of other late charges totaling {$520.00}, again all of this is late charges on a company credit card. Now American Express is coming after me for this balance After months of badgering me about a company credit card balance I regrettably gave in to the collection agency ( XXXX XXXX XXXX ) that had started reaching out to me on behalf of American Express. We had an arrangement, I sent the check as promised for the agreed upon amount and date Only to later find out that American Express had taken the account from this collection agency and gave it to another collection agency. This practice has continued over the past 4 months which includes 3 different collection agencies. Additionally XXXX XXXX hasnt cashed nor returned the check I mailed to them. 

I think these practices are unjust and unfair on multiple fronts and I would like to have these resolved as soon as possible : Why am I personally being billed for a company credit card where the transactions have been paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
On XXXX18 I tried to utilize American Express 's Membership Rewards benefit to transfer XXXX of my Membership Rewards points earned through my American Express credit cards to my XXXX XXXX XXXX XXXX  account which is linked to my American Express Membership Rewards account. I was denied the ability to make this transfer, receiving the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' That same day, I contacted American Express through their online chat function and asked to resolve this issue. The chat representative was only able to say that my account is being reviewed by American Express 's Membership Rewards Team and that it will take 6-8 weeks to complete the review. This is an unacceptable time frame, as the primary value of American Express Membership Rewards is that they can be transferred to miles with partner airlines for use for award ticket redemptions. In 6-8 weeks, the award ticket that I plan to book will almost certainly no longer be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
True Accord that goes by the name of LVNV Funding sent me an email trying to collect XXXX for XXXX XXXX XXXX. XXXX XXXX XXXX me a statement for XXXX asking for XXXX which I paid them by. XXXX XXXX XXXX sent me another statement for XXXX asking for XXXX I asked who owns this account. IF True accord owns this account I was not giving credit for the XXXX and XXXX XXXX has nor rights to the account. If XXXX XXXX owns this account than I do not want to be delinquent to them If both people are trying to collect this than that is conspiracy to defraud me

Company response to consumer: Closed with explanation