BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVABLES MANAGEMENT SYSTEMS was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. RECEIVABLES MANAGEMENT SYSTEMS was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. RECEIVABLES MANAGEMENT SYSTEMS did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XX/XX/XXXX I received an offer from US Bank/REIMastercard with a limited time offer of {$200.00} gift card, 0 % introductory apr on purchases and balance transfer for 18 billing cycles offer made within 30 days of opening account, so XX/XX/XXXX I applied and was approved on XX/XX/XXXX so last week I go to do the balance transfer and once I hit the complete button I get a message to call customer service regarding completion of the request, so I called the number on the card and speak to a representative from US Bank and was told that I only had one offer and that was for {$100.00} dollars REI gift card not the intro balance transfer I was speaking about and the she told me that she could not assist me any further and transferred me to the underwriting department, who wanted to know why I was transferred to them I explained my situation again and was told to call back in three hour and they would be able to tell me if such an advertisement could be sent out, well I see I was going to get the run around so I decided to contact you agency for assistant.

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 2019-09-09
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/XXXX or XX/XX/2019 - my American Express Bluebird prepaid debit card was closed for no reason. I called several times to the Bluebird customer service number, only to receive an automated message saying that an email explaining the closure will be sent. I received an email for each time I called. The email only stated that I had followed rule # 22 ( d ). However, I never misused the Bluebird prepaid debit card in any manner. I was a good customer. I also had over {$1000.00} in funds remaining on my account. 

XX/XX/2019 - I wrote to Bluebird customer care demanding an explanation of closure and that my remaining funds be sent to me immediately. No reply since then. 

XX/XX/2019 - I wrote to Bluebird customer care again demanding an explanation and that my remaining funds be sent to me immediately. No reply since then. 

XX/XX/2019 - I called American Express credit card, asking for assistance in obtaining my remaining funds. AmEx informed me that they do not service the account nor know who do service the account. 

XX/XX/2019 - After researching online, I found that a company called XXXX actually owns and services the American Express Bluebird accounts. Their phone number is XXXX. I've left a message with XXXX XXXX ( the person who the operator forwarded me onto ), but have not received a return call. Now, when I try to call XXXX, even the operator will not pickup the phone. 

I truly find this very suspect. They closed my account over 22 days ago, without any information or manner to obtain information. Then they are holding my money essentially hostage. I am very fearful that this is a scam or criminal, and that the Bluebird / XXXX will keep my remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: CITIBANK, N.A.
State: FL
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:
Back in XX/XX/XXXX I opened a Best Buy credit card to purchase my husband a gift for his birthday. I finished paying for his gift in XX/XX/XXXX.Then, in XX/XX/XXXX we purchased a refrigerator for the amount of {$2500.00}. In XX/XX/XXXX, I set up automatic payments through my Best Buy account. These automatic payments were for the amount of {$200.00} and were withdrawn from my checking account with XXXX XXXX XXXX. By XX/XX/XXXX this money had been paid in full. However, these automatic payments continued to be withdrawn from my debit account. I realized that something was wrong in XX/XX/XXXX when I figured it had been too long and that this automatic payments should have stopped already. At this time I checked my Best Buy account online and realized that there had been fraud and reported it to the credit card immediately. The fraudulent transactions occurred during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were multiple transactions during those three months that added to the amount of over {$7.00}. At this point they cancelled my account and opened an investigation. Their investigation concluded that I was responsible for the charges and therefore they still continue to call me to collect payments. There have been a back and forth between XXXX XXXX ( the bank wish sponsors Best Buy ) and myself ever since. In XX/XX/XXXX, some of the XXXX XXXX   fraud agents, recommended that I opened a police case, wish I did. I sent this over to them and they reopened the case. After this they determined again that I'm responsible for the charges. After my last conversation with another XXXX XXXX agent, I was recommended for the first time to submit any additional information that could favor my case ; she suggested for example that I sent time sheets showing that I was at work, or if I had travelled during those months to submit traveling tickets information. I couldn't provide any of those because as a full time pharmacists who used to work for XXXX at the time, I was a salaried employee, and also I didn't travel during those three months. 
All of this leads me to believe that they are not investigating anything with the places at which this transactions occurred, but instead are lightly deciding to make me responsible for the charges. I have told them and begged them on multiple occasions that I'm an honest person and to please investigate the right way, but this has not led me anywhere. 
I can send you prove of the police report that I opened and also the automatic payments set up, and payments made automatically upon request. 
I thank you in advance for anything that can be done to resolve my case.

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 2016-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provided me with documents that their company has on file used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible. Thanks You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX management is reporting that I have have a check that was returned do to insufficient funds this is not true this was a stop payment do to the tires I bought made a funny noise I returned the tires and did not get money back I told them I stopped payment this is not true it was not insufficient funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had a XXXX dollar miscellaneous charge on my account since last XX/XX/XXXX. Managers turn me to other departments and hang up constantly, I have been told to pay what I owe for the month and dont worry about the miscellaneous charge, however, it has been reported to the credit Burea for months and is effecting my credit score, I just called today and got no where, I was told that now an acct manager is handeling this. Than the phone hung up, some of the dates I have called are XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my acct number with Ally bank Auto loan is

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 2020-08-19
Company: American Coradius International LLC
State: GU
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX  does not show any negative amount and i closely look at all my transaction almost everyday. I have received a letter from ACI that i owe them {$10000.00} coming from XXXX , XXXX as the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, 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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LCA Collections in XXXX GA combined two bills with different dates of service XX/XX/18 and XX/XX/18 in the amount of {$45.00} each which were turned over on XX/XX/18 and combined the two in order to collect {$90.00} and that is how it is reporting on my credit report. Please investigate this improper collection practice due to the fact anything {$50.00} and below should not report to credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
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 have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

ACCOUNT DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a report on my credit stating that I opened an Apple XXXX credit card and spent {$3300.00} which Ive never seen this card in order to spend it. Also someone has been collecting unemployment in my name which Ive never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
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 have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.

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 2018-05-11
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
This problem is with my XXXX report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to XXXX and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and XXXX is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to XXXX and they must delete the fraudulent accounts in 5 buisness days, XXXX have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into XXXX  and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... XXXX have done none of the following, the accounts are listed below ... also XXXX continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX/CBNA ACCOUNT : 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 2019-01-13
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to make a payment with my mortgage company LoanCare. I haven't been able to pay online and have finally figured out that they transferred my loan to another company and I didn't receive notice that this was going to happen. I looked in my payment history and it says XX/XX/2019-XX/XX/2019 Loan Service Transferred and everything has a XXXX  balance. I have been trying to pay my mortgage for more than a week now and didn't understand why it kept giving me an error message. I have not idea who my new loan servicer is and I haven't been able to make my XX/XX/XXXX payment! I don't want to go into default for missing this payment. How do I figure out who my new loan company is and if they have everything to receive my XX/XX/XXXX payment?

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 2020-10-14
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon pulling my credit reports, I discovered that Amsher Collection placed a collection on my credit report that does not belong to me. On XX/XX/20, I mailed a dispute/request for debt validation via certified mail. The tracking number is XXXX XXXX XXXX XXXX XXXX. The letter was delivered to an individual on XX/XX/20. As of today ( XX/XX/20 ) I have not received a response from Amsher Collection Company.  Per the FDCPA, if a collection company fails to verify the debt within 30 days, they must delete the account from all credit bureaus. It has been over 30 days, and the account is still listed on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation