BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: Colony Brands, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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 have an account with XXXX XXXX only one account. I placed an order that can to my hotel address, because I travel for work. I have only one address, but my debit cards are from two different states, because I worked in Texas for over 1 year and I have a mailbox in that state. When I make a payment is should not matter which card I use. Because I used a different debit card, XXXX XXXX has opened a new account with out my permission. I had a problem similar in the past and the company was supposed to merged the accounts together. It should not matter which credit card I use to make a payment as long as I pay the bill. Each time I placed an order, I always had a different shipping address, because I might be on assignment for a few months and see an item that I want to purchase. I am truly concern, because the new order that I placed in XX/XX/XXXX still had my permanent address and suppose to be corrected. I get a call on Monday and today from a representative telling me I we {$35.00} on my account, even though I paid {$50.00}. I was told that the company was unable to mergethe accounts. I only signed up for one account and I should not be paying for 2 accounts. I thinkthat this practice needs to be investigated. I am offended that I have to pay on two accounts. I was  also told that it could take 30 days or longer. I paid {$40.00} for this account that I never new about so that my account would be reflected in a negative manner, but I was told today that I will have to make another payment on this second account again XX/XX/XXXX. This is not accepted, I only have one mailing address not two, But I have more than one debit account from two different states. At first I had stopped ordering, because I was waiting until I lost weight. Now this company is opening a new account as I order items. This is not acceptable and I was not notified. Please investigate this practice.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-14
Company: M. G. Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by IQ DATA INTERNATIONAL XXXX XXXX  XXXX XXXX, WA XXXX ( XXXX ) XXXX who stated that they were the attorneys hired by SURE DEPOSIT TEXAS to collect {$270.00} on the company 's behalf. IQ DATA Threatened to contact my employer or share information it force payment and if that doesn't work they also stated that they will sue me and I will pay their legal fees if I don't pay them. The amount they want to collect is allegedly for a water bill due in XX/XX/XXXX which that I already paid to my Apartment complex which is always due and included in my rent. They have refused to contact the apartment complex to validate the information and has since then increased the balance and left messages at my job as they previously threatened to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Square Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In the beginning of 2020 I opened a cash app account which I had my first stimulus check deposited into directly. In XXXX of 2020 my account was compromised and I lost access to the account I tried contacting cash app support to verify that my account had been closed however my second stimulus check was deposited into the account which I do not have access to. Cash App has offered no support helping me regain access to my account nor have they blocked the stimulus deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Shellpoint Partners, 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: Information is missing that should be on the report

Complaint:
My loan was sold by XXXX and is now being serviced by Shellpoint Mortgage and the loan number is XXXX. Shellpoint has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted shellpoint on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX 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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My identity was recently compromised and every credit agency except TransUnion was very helpful in getting this corrected. TransUnion wants to use combinations of phone calls and physical mail and even had me read my social security number to multiple people outside of the US in order to access my account. If TransUnion is going to be responsible for our personal data, TransUnion needs to develop a stronger security system without the use of paper to assist consumers in the digital age.

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 2022-03-29
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: Personal information incorrect

Complaint:
I have submitted multiple request to remove wrong addresses and still have not removed the inaccurate information on my credit report

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 2018-07-13
Company: EQUIFAX, 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:
I SUBMITTED PAPERWORK TO EQUIFAX AND XXXX A NUMBER OF OCCASIONS. XXXX  DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is attempting to collect a debt that is fraudulent and was as a result of identity theft. I have made XXXX XXXX XXXX aware that this account was opened in my name without my permission, and I have made XXXX XXXX XXXX aware of this same information but they continue to contact me and demand that I repay a debt that was the result of identity theft. I will not pay this debt and I do not owe this debt, and I am very tired of being contacted by both XXXX XXXX XXXX and XXXX XXXX XXXX about a debt that does not belong to me and this is a violation of the FDCPA because I have made both companies aware that this was as a result 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 2020-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed incorrect accounts on my credit history and would like them to be reviewed because I did not inquire about any of these accounts. I have great credit and would not like my history to be tarnished by such acts of fraud. Please removed these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Investigation took more than 30 days

Complaint:
I written your division through the years and nothing was ever resolved, my complaint 's started with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX, I report them as fraud when I found out in XX/XX/XXXX my home was paid in full and I do not have a mortgage, On XX/XX/XXXX XXXX XXXX XXXX XXXX has transferred the services to Community Loan Services and last I spoke with them on XX/XX/XXXX I informed them I owed nothing on my home, but they are reporting to the credit bureau Derogatory status on my credit report in the amount of XXXX. If it was deteremined that XXXX XXXX XXXX was Fraud and should not have been collecting any payments on my home this new company is attempting to do the same thing. I've owned my home since XXXX with XXXX in additional payments. 

Get proof the loan exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I came back from vacation from my pops funeral for 2 weeks visiting my family out of town. I checked the website and it said XXXX cardholders recieved their stimulus on the XXXX th of XXXX. I came back in town looking for my card couldnt find it. Call the costumer service they said my money was received. I havent received nothing someone stole my card. On the the XXXX they put in a dispute for me bit I never heard nothing back and I keep calling getting different agents DirectExpress customer service. Requested a new card and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, 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:
on XX/XX/2021 I sent out a letter via certified mail to the consumer reporting agencies informing them of the fact that there was inaccurate information being reported on my consumer report. There is a collection account being reported from XXXX XXXX for {$9000.00} I informed them that I was not liable for the collection and that I was in fact a victim of Identity Theft and also sent them the FTC report. I continued to send the documentation and my disputes are still being ignored, they are still reporting inaccuracies on my report and are not complying. I feel disrespected and violated, at this point I will pursue any avenue in order to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: OneMain Finance Corporation
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Dear Sir or Madam : As of XX/XX/XXXX TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports. 
the items I dispute on the attached copy of the report I received.The information on ONEMAIN reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: EQUIFAX, 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:
Thecreditbureausarereportinginaccurate/outdated/incompletepersonalinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: U.S. BANCORP
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last Thursday I received a letter that all of my US Bank Credit Cards are closed. Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them. 

Cardmember Agreements, section 32, titled Cancellation of Your Account, We may cancel your Account or suspend your ability to obtain Account credit immediately, without notice, if your Account is in Default. Even if you are not in Default, we may cancel your Account by providing notice to you. My account was not in default when it was closed, so there is a breach of agreement. 

In addition to that latest response I received stated that " A careful review of your account does not reveal any instance in which U.S. Bank deviated from generally accepted banking practices. '' General banking practices allow 30 days to redeem points when account is closed ( XXXX, XXXX and other Banks ). 

I suspect that US bank found out that there is over {$2000.00} worth of flex perks that I have on the account and instead of going through procedure and giving a notice as per credit card agreement decided immediately close an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I tried to place a security freeze on my Experian credit report via their website at https : //www.experian.com/freeze/center.html I tried to do this three times, all unsuccessfully. Each time, the website stated that I would need to provide a police report in order to place a freeze. I do not have a police report, as I am not a victim of identity theft. However, under the Economic Growth, Regulatory Relief, and Consumer Protection Act, a law enforcement report is not necessary to place a security freeze.

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 2021-01-21
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thank you for your assistance XXXX XXXX XXXX was my medical provider. I have experienced numerous costly medical errors at XXXX in XXXX, XXXX, XXXX. The total cost of lost wages is over {$850000.00}, healing from their errors have also been very experienced. 

I have no money left. 

In XXXX, I had several XXXX bills totaling around {$480.00}. I was paying {$15.00} a month as that is all I could afford because of their errors. I was also paying several other healthcare facilities including a non-XXXX XXXX doctor, and a non-XXXX  and XXXX  which totaled around {$5000.00} which was 100 % preventable with a {$50.00} test XXXX  did not do. 

XXXX has been receiving {$35.00} a month for at least a year. 

XXXX they sent me to collections, EOS. EOS contacted via letter twice in wish I told them I was paying XXXX monthly payment. 

I have not heard from them after two contacts in XXXX. 

They now ruined my credit by submitting 4 collection cases to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
I have opened student loans in the past 3 years and they were being reported accurately to the credit bureaus until recently. I noticed that many years of successful payment history has been deleted. The most recent payment history is only dating back six months. The credit bureaus refuse to update this inaccurate information which leaves gaps in my credit history. I want this resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
I have been paying American Express in time as agreed since XX/XX/2019. Now they are reporting my account as written-off because they have not been able to collect the payments. 
Each month I pay my loan and cc with them. 
I called them AND filed a dispute with XXXX  to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
{$6000.00} of balance from SANTANDER BK, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2020-01-27
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, LoanCare filed a foreclosure complaint with the competent jurisdiction of Connecticut. Since this is a VA Home Loan, the VA wrote me a letter stating that I could reinstate my mortgage. 

On XX/XX/XXXX, I had paid {$35000.00} to reinstate the mortgage, which exceeded the reinstatement value provided to me by LoanCare. The mortgage should have been reinstated at that time, but the mortgage was not reinstated and LoanCare proceeded with foreclosure proceedings. 

On XX/XX/XXXX, I received an email from LoanCare stating that they did receive any money to be applied to my mortgage and continues to proceed in contacting me for debt collection purposes.

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