BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-28
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency XXXX that the account is still open in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mines also i will file a police report because my information is being sold and share without my authorization

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every month I dispute account with all 3 credit bureaus letting them know that I never had an account with Midland Funding, Midland Credit Management, I also contact MCM every month to dispute and ask for all documentation including a written signature that I ever did business with them and they never will give me anything. 
Help me remove from credit reports as MCM changes the account number and company name to keep putting this on my reports. 

Last date of letter contacting them was XX/XX/2020 account number XXXX, they sent letter back with no documents again for the 5th time and no written signatures. 
Amount of {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL 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 2018-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CITIBANK, N.A.
State: AZ
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:
On my XX/XX/2018 statement there were 4 fraud transactions for a total of {$1500.00}. On receipt of the statement, I immediately called in and was told that I had to call the vendors for the transactions. XXXX XXXX and XXXX  XXXX. XXXX stated this was a known fraud already under investigation. XXXX XXXX said I needed to call Citi bank. I called Citibank and was told this would be resolved and noted the fraud. 

A replacement card was issued and sent via XXXX. Yesterday XX/XX/2018, I received a notice for past due impacting my credit. I then did the called and was told it was handled. No resolution. 

Today, XX/XX/2018, I then did the online dispute for the second time on the remaining transactions. Finally, got an automated response delaying payment for FRAUD transactions. 

Taking more than 45 days to clear fraud which were reported immediately and compounding with interest is unacceptable. This card was in a drawer and I have never used it.

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: Experian Information Solutions Inc.
State: MO
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 BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.

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 2020-12-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The problem that Im having with XXXX XXXX XXXX is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds. 

Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments. 

I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 XXXX XXXX I received a phone call from the Anerican Express Serve company, my caller ID SHOWING ( XXXX ) same exact number shown on the back of the American Express serve card. Telling me that my card had been compromised and that I have charges coming in from Florida for {$80.00} {$60.00} and another charge of ( Im not sure., ) Did I do these charges? I stated I was in Colorado and absolutely not!!! I did not do those charges. The gentleman then stated he was shutting my card down immediately, and that they would be sending me out a brand new card in a 24 hour period. He stated I have nothing to worry about and they caught the fraud in time. I checked my account, and at that point all of my money was still inside my account. In the morning on XX/XX/2020 my money was still in my account on my American Express serve account # XXXX. Around XXXX XXXX on XX/XX/2020 I received a email from American Express Serve stating that my Password had been changed and asked if it was me who had changed it, if not I was to contact them immediately through the telephone. I called their XXXX and was on hold for over two hours during this time I went back and looked at my emails and I received a new email from American Express Serve stating that my transfer was a successful at XXXX and {$520.00} had been taken out of my account and some kind of a transfer to a unknown name of which I did not do! The name was XXXX XXXX ... I DO NOT know this name, I know nothing of this person and I did not do this transfer! I spent 5 1/2 hours waiting for American Express Serve Fraud department to answer, once they answered I spoke to a XXXX ( not sure how to say or spell ) she stated that she would report the fraud and that I would be receiving a phone call from somebody else with a record number, during this time I received a phone call from a XXXX  from American Express serve giving me a fraud number of XXXX. And then she proceeded to tell me they have 10 business days to investigate the fraudulent charges and would be emailing me back with an answer of what they had come up with the results. On XX/XX/2020 I received two emails From American Express Serve stating they had done their investigation and they have determined no error occurred at that transaction question and was authorized. Therefore the transaction is not eligible for credit to my account. I have filed a police report # XXXX and # XXXX With The XXXX Police Department. I have also filed a report with the XXXX XXXX XXXX FDIC, and all three reporting credit bureaus for fraud. I have wrote a certified letter to American Express Serve asking them to explain why my fraud claim was disregarded and how they came up with their decision, along with the proof of why the transaction was considered legal? when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : Equifax : XXXX XXXX XXXX XXXX XX/XX/20 Equifax : XXXX XXXX XXXX XXXX XXXXXX/XX/20 Equifax : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX : XXXX XXXX XXXX XXXX  XX/XX/20 XXXX : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 Experian : XXXX XXXXXXXX XXXX XXXX  XX/XX/20 Experian : XXXX XXXX XXXX XXXX  XX/XX/20

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 2018-04-02
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
For three months about XX/XX/XXXX, I put my Private student loan on forbearance with Discover Student Loans. I previously paid on time until a financial hardship. Discover representatives agreed to place me on this forbearance for a 3 month time. 

Over the course of three months, my mother and I received multiple calls from collection services demanding payment and threatening delinquency. Each time, I contacted Discover they assured me my information was there on my record, and to disregard because sometimes the collection department gets delayed information. 

Before my forbearance ended, my mother and I received emails regarding final notice before reporting to my credit agency -- -- over two months after being approved for forbearance. I called, and was told for the first time that my forbearance was not approved. I told them they were mistaken, and they took the time to read over my account and all included notes. They found I WAS approved but their representatives accidentally sent approval/paperwork/what ever was needed to be processed to the wrong place and that they were under the impression I was over 60 days past my payment. The representative I spoke to in XX/XX/XXXX insisted that they were goin to take care of this, and that if anything were to happen ( my credit being compromised ) to call so discover can fix it. 

Discover ended up reporting to my credit. My mother and I send dispute letters as recommended by their forbearance department. My mothers credit was taken care of, mine still has not. I sent out correspondence and STILL have not heard back. We contacted discover via telephone XX/XX/XXXX. My credit report has still yet been fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
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:
Two fraudulent charges fro {$450.00} were made at the XXXX XXXX on XX/XX/XXXX using my card number. I was in possession of my card the whole time and was out of state the date that this purchase was made. Citizens Bank froze my card in response to the fraudulent charge, I then called them on XX/XX/XXXX to confirm that the fraud was fraudulent. The representative I spoke with said that the charge would be removed and that Citizens would send me a new card. I received my new card and my billing statement was updated to remove the amount. 

On my XXXX billing statement, the two charges of {$450.00} were placed back on to my account, as an " account adjustment. '' I immediately called Citizens to dispute why the charges were placed back on to my account, as I had verified them as fraudulent, and under federal law I could only be held responsible for a maximum of {$50.00} of those charges. I was not able to get a response as to why I was re-charged for these purchases, and was told that the customer representative was " emailing the fraud investigator '' and that I would hear back in 2-3 business days. I heard nothing from Citizens and called again on XX/XX/XXXX and was told the same thing, that the representative would email the fraud investigator and that it should be removed from my account. This time I was told that it would take until the end of the week ( XX/XX/XXXX ) to get a response. I again received no response, so called today, XXXX, to again follow up on this issue. I asked that the issue be escalated to a supervisor and indicated that I would be filing a complaint with the CFPB and cancelling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted Transunion through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. TransUnion declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a college student and should not be going through this. 


I will once more supply TransUnion with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a college student.

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 2020-10-31
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Id like to bring to your attention a case where I have been charged excess PMI ( Private Mortgage Insurance ) on my Home Mortgage, even though my loan to value ratio fell below the required limits a while ago. 

I have sent several emails & made phone calls, but have been stonewalled into automated responses and noncommittal responses. 

Here are the details of my Home Mortgage Provider : My loan provider name : The Money Source Inc. | My loan provider address : XXXX XXXX XXXX, XXXX, NY XXXX My loan provider contact number : XXXX My loan provider NMLS number : XXXX XXXX My loan provider servicing location address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT, XXXX My loan provider servicing location NMLS number : # XXXX My loan provider servicing location address : XXXX XXXX XXXX, XXXX XXXX AZ XXXX My loan provider servicing location NMLS number : NMLS # XXXX Here are the details of my Home Mortgage : Loan number : Loan type : Conventional w/PMI - XXXX Closing date : XX/XX/XXXX Maturity date : XXXX, XXXX, XXXX Original appraised value : {$430000.00} Original loan value : {$380000.00} Current principle balance as on XX/XX/XXXX : {$280000.00} Late Payments : none throughout the term of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureau 's are reporting inaccurate information on my credit report. The following accounts on the attached dispute letters are not mine. Please stop them from reporting this illegal and inaccurate information

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