BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported this numerous credit bureaus information is fraudulent on XXXX XXXX XXXX  XXXX Has been notified by calls and letters. I did not open this account I did not live at the address at that time I have asked for proof receipts and original documents I have signed and proof they legally obtained this debt and have gotten nothing. They harass me constantly with collection calls. They also threaten and call people liars. Any help would be greatly appreciated. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently in the Income Based Repayment Plan and have been for several years. At the start of XX/XX/XXXX, my loan was serviced through XXXX. I recertified my Income Based Repayment application and was approved for a reduced payment of {$460.00} ( rounded ) in XX/XX/XXXX. My loan was transfered to XXXX later in XX/XX/XXXX. The first couple of payments came out of my account at the regular amount. Suddenly, starting in XX/XX/XXXX they increased to {$630.00}. I called to ask why and was told that there was an issue with transferring the paperwork, but they would work on sorting it out. I was advised to continue to make my payment at the higher amount to avoid delinquency. Come XX/XX/XXXX, it was still not resolved and I called again before the payment came out to check into the issue. Was told again that there were issues with the transfer and they were working on it. When it was resolved, I could request a refund for the overage that was withdrawn. XX/XX/XXXX, my payment has now increased to {$690.00}. When I called again to get a resolution, I was told that my IBR was not transferred and that is what the XXXX   had calculated my payment to be. I had already submitted a recertification in an attempt to facilitate a more rapid resolution and my new adjusted payment as calculated by XXXX was still signficiantly lower than the now {$690.00} I am being asked to pay. I have been very patient and have attempted to work with them, however at this point I am incredibly frustrated. I have paid more than {$560.00} over my calculated payment amount. The last rep informed me that no refund is due to me and that this is just where I am. Also since moving from XXXX, XXXX has told me that my prior payments to XXXX are not included towards my PSLF even though I have paid through XXXX 's auto deduction program my monthly payment consistently ever since starting the program. I asked for XXXX to please review my request for a second review and was told it would take 90 days. 90 days exhausted mid XX/XX/XXXX and I have not heard any response from them at this point. ( The attached documents were what I submitted for the IBR in XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an amex acct 2 cash my stimulus check. And now they r keeping my money hostage. Hissing about notary meanwhile b4 i opened acct on fone no such issue was stipulated it was ONLY ... .AFTER THEY HAVE MY MONEY IT BECOMES a self serving interest issue obviously 2keep my money. Lady in back office told me savings accts r 4saving and they consider it a abberant i want 2transfer my money2orher vetted linked accts in my name. They even make sure 2NOT PURPOSEFULLY GIVE u a debit card 4higher and extreme difficulties2access ur money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My complaint is all three credit bureaus XXXX, XXXX, Transunion are reporting this one account XXXX XXXX  XXXX  which is a charge off. I called XXXX XXXX  XXXX  to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX  XXXX, XXXX. ( XXXX ). I spoke to agent at XXXX and explained to them that XXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXX Dot account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX  to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXX XXXX  will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX asked XXXX to remove XXXX  XXXX  account since I paid the balance now there telling me to call XXXX  XXXX  to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.

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 2020-12-09
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
Sent payment on XX/XX/XXXX for XX/XX/XXXX due date. It was deposited in Goldman ( for Apple Card interest free purchase ) account on XX/XX/XXXX ( have copy of check ). Ive chatted, sent copy of deposited check and called 3 separate times and Im receiving late notices still today. They keep apologizing but nothing gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX says that we owe Steinmart which they gave us a GE Retail Bank card number that GE Bank is now XXXX XXXX. XXXX refuses to give proof of debt we had to track that ourselves. All they gave us was steinmart and card number and supposed last date paid which is XX/XX/XXXX conveniently within the 6 yrs for MI it now being XX/XX/XXXX. First they called several times threatening to take us to court. Then they called asking if they could send an email. The first email said we owed around 4000 and with taxes and interest we owed a total of 14000 but that we agreed to settle for 7000. Then they sent emails after they called and threatened us that said we agreed to settle for 4000. (  Approximate numbers ) All of those supposed settlements were lies. We never even shopped at steinmart our credit bureaus have no records and we tried GE Reail Bank/ Synchrony 4 different times even asking them if they would have GE records from 6 yrs ago. Of course they had no record of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX phone # XXXX. Online the people say this is a scam company. We believe so too. Help

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 2020-10-31
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is originally to XXXX for {$830.00}. I have been trying to correct this with them for over a year now. Credence RM is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from Credence RM that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: SIMM Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notices from Simm Associates, XXXX XXXX XXXX, XXXX, DE XXXX, dated XX/XX/2020 addressed to both myself and my wife regarding debts owed to XXXX University XXXX. We were not aware of these debts and never received any bills related to them from XXXX. The dates of service noted on the two letters were the same and the amounts alledgedly in dispute were the same. I spoke to XXXX on XX/XX/2020 and they indicated that they do not do business with Simm Associates, that we had no services on the dates listed, and that we did not owe XXXX the amounts involved. I left a message for Simm Associates on XX/XX/2020 and did not receive a reply. 

I called Simm Associates again on XX/XX/2020. Their representative stated that they would transfer me to the " person in charge of my account '' ( but they had not yet asked me for any identifying information ) but they stated that " they were not available ''. The person then said they would try to help me, I just needed to give them my name, address, and date of birth. I noted that I had their account number on their letter and wouldn't that work, and they responded that without my information they couldn't find my account. I stated that I would not give them my date of birth. The representative said that without my date of birth they could not help me and hung up. I believe this is a fraudulent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
can not unfreeze my report. Have had problems with Experian every year. Last complaint XX/XX/18 for same reason # XXXX - SORRY YOU HAVE TO SEND A LETTER!! No other info. This is holding up a Line of XXXX for my business. Thanks

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 2020-06-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm having issues getting the fraud alerts removed from my credit reports. I've sent in all information requested and they still appear on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with XXXX as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the DMP and have not been reported as late so I am unable to understand the problem.

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 2020-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
This is regarding credit card transaction dispute which is denied 2 times from credit card provider. The claim was submitted for moving service company who overcharged me for transferring my household stuff from XXXX, Ohio to XXXX XXXX, New Jersey. 

Transaction date : XX/XX/2020 Credit card company : Bank Of America Amount disputed : {$730.00} I have provided all the details to them including receipt and contract but again and again they are asking for the original receipt. I have provided enough proof to indicate that movers company is overcharging me for the service which they have provided but the bank was unable to resolve my claim.

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 2020-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Employee claims secured credit card was denied because of collection accounts on personal credit report. Secured card states that it is to rebuild business credit personal credit is irrelevant

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 2020-10-31
Company: CBC Companies, Inc.
State: CO
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:
I had an hard inqury on my credit report on XX/XX/2020 from Factual data. I have not given anyone permission to inquire my credit report. Concerned about fraudulent activity on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Machol & Johannes, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This debt was being paid as agreed until XX/XX/XXXX. The COVID-19 pandemic created a hardship for my household and my hours were cut at the hospital I worked for about XXXX weeks. I then found out I needed a medically necessary XXXX for the sake of my health. I was off work for two weeks to recover and had to use my short term XXXX through my job. I e-mailed this debt collector multiple times and I received no returned responses for months. I asked for a lower payment or deferment of my past due payments until my financial situation was back to normal. Then months after I received these threatening letters about court and judgement for payment. This has made an already stressful time in my life much worse. I lost my father in XX/XX/XXXX unexpectedly of a XXXX XXXX. At the time I was living alone in Colorado, newly divorced. I was first served court papers by this same debt collector during that devastating time. I told them I had student debt but they demanded I pay or theyd sue me in court!! I struggled but I did my best to pay each month. The grief and stress of this debt caused me to leave Colorado to be closer to my children. I then reconciled with my ex-husband and we remarried Fall XXXX. The pandemic caused everything to change!! This past month has been extra hard on my family as there have been deaths in our immediate family of grandparents and most recently my mother recovering from COVID-19. This second letter and continued harassment from this debt collector has made my grief and mild XXXX much worse!! I asked them to work with me earlier this year in late XX/XX/XXXX and they wouldnt!! Now they want to attack me during the holiday season and ruin my credit. I feel because I am an XXXX American citizen that they are purposely seeking to destroy the effort Ive worked so hard to put towards a better life and future for myself and my family!! I pull up my boot straps and they cut them off!!!! I feel violated!! I should not have been paying this creditor more than {$10.00} a month due to my student loan debt!!! I am outraged that this debtor is harassing me and refused to work with me when I asked. I would like them to show proof of my payments to show my debt was in good standing for about a year until the pandemic shut down the entire country!! The money I have paid is the amount of what was owed to the original creditor!! This debt collector is trying to get extra money out of me for their own personal gain!! Shame on them!! Please dont let them ruin my credit if all lives do really matter!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PHOENIX FINANCIAL continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted PHOENIX FINANCIAL is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform PHEONIX FINANCIAL that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation