BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2018-09-19
Company: GMA Investments, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 @ XXXX pm I called this number back ( XXXX ) due to 2 messages left requesting a return call to discuss a debt. I spoke to a representative XXXX and he would not inform me what agency he represents. I explained he has a wrong number, and should discontinue these calls, I repeated our phone number twice, then he asked me what our number is. I explained again, they have a wrong number and to cease calling. He then raised his voice and spoke manner that was threatening. I stated I would notify a consumer agency to report this, or an attorney. He stated this conversation was over, and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I started college there was little options when it came to student loans. Though I did receive a lot of financial aid I still in a lot of hardship. my mother was denied every year for the parent plus loan and I was told my the XXXX XXXX XXXX XXXX XXXX that private loans through XXXX XXXX was my best option for my needs. I was told that they would help me through XXXX XXXX and their Financial Aid office to make my loans manageable and they would only be a little higher than most. One XXXX degree later I am XXXX in student loan debt. XXXX of it is owed to XXXX XXXX. My Financial Aid officer did not even give me an exit meeting and how I was going to handle my repayment. I was left with one single option from XXXX XXXX which was their Graduated Repayment Plan. This plan is only a year of interest only payments. These payments are XXXX a month, this is more than I pay in rent. After the year is over my payments will go back to over 1200+ a month. there are no other options than deferment or the default. there is no help, even though the people are friendly, they give me no options to make sure I can continue my payments. I have 5 loans to XXXX XXXX and I can not combine them. this has put severe financial burden on me. I have gotten a job using my degree and is it no where near enough for my to afford these payments even though I make around 18hr and got this job 5 months after graduating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do NOT owe this company or its affiliate a single penny. This company continues to report a negative account on my credit report, an account I do not own. Company stated that they have placed my account on an administrative hold in a cease and desist status. I am not interested in a cease and desist status ; I am interested in having this company delete its erroneous account from my credit file - a request that is proving rather difficult for them to do. 

CFPB, PLEASE BE ADVISED THAT THIS SHOULD NOT BE CONSTRUED AS A DUPLICATED REPORT. The company is engaging in unscrupulous activities. How can a company at will just report negative items on ones credit without first being absolutely certain that the account belongs to the alleged debtor. I have or had no contractual relationship whatsoever with XXXX and/or Southwest Credit Systems, LP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX Bank for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?

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 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- XXXX XXXX however , they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-02-03
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I requested an incoming ACH transfer to my joint Ally account that I hold with my wife. I failed to realize that the account I was pulling from was only in my wife 's name. Because I was logged in under my name, Ally rejected the transfer. They told me they would return the funds to the account we pulled from but as of this date they have failed to do so.

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 2020-10-18
Company: Ingo Money, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I am having an issue cashing a mobile check by mobile check deposit with Ingo Money using my XXXX XXXX XXXX XXXX debit card. I have never cashed a bad check with Ingo Money. Ingo Money is  using discriminatory practices as far as not accepting my mobile check deposit, considering I have never had a check returned to Ingo Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: OneMain Finance Corporation
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have not applied for or requested any assistance from this company. I have contacted them at least three different times not to send me fake plastic cards and loan information. They are still sending me information. 

The company is One Main Financial Phone number : XXXX Phone number : XXXX Branch Manager : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I don't understand JP Morgan Chase i have filled this complaint out before before i like some answers to my loan. My escrow shortage, when i got the paper it showed a shortage from XXXX, and XXXX each year i paid insurance and taxes out Escrow ever year is different and if the shortage you pay it. And it starts new year of Escrow. How did JP Morgan CHASE come up with the shortage Escrow Impound Shortage : Escrow Credit : {$230.00} $ - XXXX then go to Escrow Impound Shortage : Escrow Credit : {$750.00}? when i paid in {$2400.00} in XXXX. and like to no where the corporate advance Fee ; s was paid to and who and why they was never applied to my loan but to Corporate Fee 's. over XXXX dollars and monthly payment was XXXX. When i ask about my loan from XXXX loan modification they XX/XX/XXXX PRINCIPAL AND INTEREST ADJUSTMENT Principal {$17000.00} {$17000.00} that was from XXXX and at XXXX a month would not come that amount XXXX but they payments made in XXXX. The amount is wrong .Why did JP Morgan take loan out of XXXX that added my loan to XXXX just when they was selling my loan. I want refund of Fee ; s and proof why i never got letter stating they was using my payments for Fee ; s not my home. I don't won't excuses or run around like i have been getting. loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
In XX/XX/XXXX I purchased 4 concert tickets for a concert in XX/XX/XXXX via the company XXXX using an American Express credit card for payment. As the pandemic arose the concerts were postponed for at least a year. The tickets that I had purchased were no longer available via XXXX 's online portal. I called XXXX to find out what had happened and was told at that time that they were only a conduit for a seller and a buyer meaning they could not step in. I then called American Express and disputed the charge in XXXX of XXXX explaining that I have not received goods or services. Between XX/XX/XXXX and XX/XX/XXXX I have called American express approximately 6 times to dispute the total charge of {$1800.00}. By XX/XX/XXXX American Express had sided with XXXX in the dispute and told me that I owed the balance in full. I have not paid the balance as I have explained several times to American Express that I am not in possession of the concerts tickets they want me to pay for. Since XXXX they have charged me full interest on the balance totaling {$160.00} as of XX/XX/XXXX and reported me to credit agencies lowering my credit score. Prior to this dispute I have always paid my American Express bill in a timely manner and was a longstanding customer. Due to lack of understanding and wanting me to pay for goods or services I have not received I have closed my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. Its been over a month now but you still haven't complied to my request and the errors on my report has not yet been removed. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer. I will seek monetary compensation should you continue with your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification today that an item from National Credit Adjusters reported an item on my credit that is NOT MINE. The original creditor on the account is XXXX. I have never had an account with XXXX. I have disputed this account numerous times with the credit bureau 's and contacted the creditor and informed them that this account is identity theft. I have sent in the identity theft affidavit and letters to inform them that this account is not mine. I would like to request that this account be eradicated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND XXXX. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. XXXX has not responded nor has the  XXXX XXXX. On XX/XX/XXXX, I called XXXX. On approximately XX/XX/XXXX, XXXX  added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX  aka MCM to make them active. I found out XXXX is using unknown credit cards from 7-8 years ago and renewing the the active dates to harm my credit score. I opened 3 online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach XXXX personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning XXXX  about XXXX XXXX   resulted in an immediate 30 point drop in my credit the next morning with no explanantions. I have waited since XX/XX/XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: Rickart Collection Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was mailed a letter on XX/XX/XXXX regarding a debt that was due. 
I contacted XXXX from the company on XX/XX/XXXX and told her that the debt was paid. She required me to provide proof. I explained that the initial debt holder who contracted with RCS should provide that as I made full payment of the initial amount owned to the initial creditor in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: AZ
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 SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was garnished by a company and they can't provide me with an account of my funds. why?

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