BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$350.00} Ive disputed this account several times asking for validation at this time Ive only been sent an itemized letter in response, no documentation bearing my signature was provided as requested by neither the creditor or credit bureaus. At this time I am seeking legal counsel for this matter as it gendering my success in building credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

I have tried multiple times times to report the inaccuracies to the credit bureaus and they have remove inaccurate information and they have not complied. 

I will attach driver license ftc report ssn card

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: U.S. BANCORP
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you? Listen, I've disputed this account before with Elan FInancial services and they removed it base on the errors and  violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your  authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-07-28
Company: AES/PHEAA
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In the summer of XXXX I started having problems with my student loans. I had not been working for almost a year and it was time to recalculate my payments I initiated a recalculation over the phone and was told my payment would be set at XXXX $ and then I double checked later in the next month I saw that it was indeed set at XXXX $ and I have a screen shot showing XXXX $ due and paid. Then XXXX of XXXX I discovered in my junk email that I was defaulting on my loans. I immediately called and had account placed on an administrative hold was trying to have credit cleaned up and payments set back to appropriate income based repayment. I have spoken to customer service reps numerous times I have been told multiple times the repayment should be at XXXX $ and my credit would be restored.. I am a dependent of an XXXX in the XXXX with a XXXX XXXX XXXX. I have spoken to them at least 20 times and reached out to my congressman for assistance in this matter. I am at a loss as to how to make this right. I am being told currently I am past due and owe almost XXXX $ a month which is out of line for my family size and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has several issues on my credit file which are XXXX XXXX/XXXX XXXX # XXXX I was not past 30 days in XX/XX/XXXX or XX/XX/XXXX and have proof on my bank account when payment was taken. This needs to be removed ASAP Several accounts have late payments listed when payments were deferred due to a natural disaster remove all late payment remarks on the accounts I have requested several times and nothing has changed and the reports back state Experian has done nothing as it states on the accounts item was updated and a date which I disputed recently nothing has been addressed XXXX/XXXX  XXXX Unknown account, how did your company verify this? 
XXXX XXXX # XXXX Unknown account, how did your company verify this? 

There are also several names which do not belong to me XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2020-07-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a complaint against LOANCARE LLC, our home mortgage co., who has negatively impacted our credit history report for : names removed ( homeowners ). 

On XX/XX/2020, we submitted a request for forbearance to Loancare in error. The next day, on XX/XX/2020, we contacted Loancare directly and cancelled the forbearance request. In addition to numerous follow up calls and emails in XXXX to confirm the forbearance has been cancelled. As of XX/XX/2020, I was reassured by Loancare that our forbearance was cancelled and it would not affect our credit report. 

However, on XX/XX/2020, we were working on refinancing with another mortgage lender and was notified by them that our home mortgage was in forbearance, therefore, we would not be able to refinance until we get it removed off our credit reports. 

So on XX/XX/2020, we contacted Loancare to dispute the forbearance on our credit report. That on our credit reports, under the Remarks, Side Note and/or Special Comment Sections : states Account in Forbearance and this must be removed off our credit reports since we cancelled on XX/XX/2020 and our account was never in forbearance. 

Nevertheless, on XX/XX/2020 and XX/XX/2020 Loancare confirmed that the forbearance would be removed off our credit reports as of XX/XX/2020. But as of today, XX/XX/2020, our credit reports still states that we are currently in forbearance. For example, XXXX  states under Remarks Account in Forbearance reporting as of XX/XX/2020. 

Furthermore, as of XX/XX/2020, even after speaking with Loancares Collections Dept. and Supervisor regarding this forbearance dispute, requesting to have " Account in forbearance '' remarks/special comment removed off our credit report, I have LOST ALL CONFIDENCE in their ability to resolve this credit dispute. Not only has this drained our time and energy, but weve been unable to refinance our current VA home loan with other lenders with rates offered to us at 2.25 %. In addition to our credit scores dropping from above 825 to below 750, this takes us out of the Excellent category which further negatively affects our borrowing efforts affecting our rates. 

Conclusion : LOANCARE LLC needs correct and remove the " forbearance '' language off of our account with all the credit reporting agencies which is stated in Remarks and/or Special Comment Sections : Account in forbearance since we have never been in forbearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: UNITED COMMUNITY BANK
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My sister XXXX XXXX XXXX passport XXXX made a false paper to take my money from mysccount XXXX XXXX  XXXX check number XXXX XXXX XX/XX/2022 XXXX usd.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My XXXX XXXX XXXX XXXX was reported late payment on my credit report for the months of XXXX and XX/XX/2020, Which is a mistake. because of that my family life is about to fall apart, I am in the process of buying the house because of that we got stuck, i keep calling to XXXX XXXX at least to email me the letter as the account wasn't late they keep promising to email me but nothing happened over two weeks. it's very unfortunate now I am suspecting because of my accent as an immigrant they thought I can't do anything or I don't know. 
Please help me and my family before things get worse, i already give notice to my apartment and get stuck. if you want to get the proof i can email you all the mortgage documents. 
Thank you and Looking forward to see you Help! 
XXXX XXXX XXXX XXXX XXXX Account # 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 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.

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 2020-07-28
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit adjuster is contacting me email about a debt I know nothing about and threatening to sue me in court. They are violating FDCPA rules by not providing proof of the debt other than to say I owe it and also the mini Miranda isnt on any email they have sent out this far. I can provide other emails Id needed. I have three emails. This is possible scam because of the poorly written email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My go program card for my georgia unemployment was used without my knowledge or permission by someone to purchase a hotel in XXXX company name XXXX XXXX XXXX for {$180.00} on XX/XX/2020. I filled a claim with the card issuing company for the go program minutes after I received the alert. I filled out all the paper work they needed and requested and faxed it back to them in the time frame they wanted I was suppose to have gotten a credit on the 10th day for the stolen money on my government issued card. That was 3 weeks ago I have called them numerous times I will include all the papers and phone records later if I can. But I have received the run-around since filing the claim I have been hung up on twice after sitting on hold for over an hour each time. I have set on hold a total now of 16 hours since the claim was filed. And still can not get any information. I received a letter from go program today stating the merchant had refunded the money on XX/XX/2020 I don't know what that was but I didn't file the claim nor was the purchase made untill XX/XX/2020 and I definitely did not receive any refund. I believe the card company has made this fraudulent charge to keep the money I have researched cases like mine occuring numerous times with this card/bank issuer.I want to know what I can do to get the money back that was stolen from my account via this {$180.00} fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed report number XXXX. Agency responded within one day stating that my account does not belong to them but they are reporting a collection for two years on a capital one card that I never opened or authorized to be opened and used in my name and is no reflection of accounts openly legitimately or used legitimately by me. The name of the agency is confusing, one report says XXXX XXXX and the other says XXXX. Please just review identity theft notification to remove collection. 

I have called, written letters, filed theft reports and sent them to this agency. Even to this consumer complaint they are dodging this to be removed and falsely claim they verify my debt when disputed but even here claim its not my account. I am a victim of identity theft and it needs to be removed from collections and my credit report immediately. 

Please see first attachment of account listed under their name on my report for the amount listed as a collection, reported every single month and opened in XX/XX/2018. My last name has been XXXX since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Square Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I want a full refund from cash app ( XXXX XXXX ) because I did not receive my merchandise in a timely fashion she stated allow 13 business days from XX/XX/2021 and a lack of communication. Cash app stated their unable to refund me to request my money back from XXXX XXXX. I have notified my bank of the issues I'm having with cash app all I want is for them to do the right thing if I didn't receive something I purchase and paid for it through your company your able to assist in refunding me. 

On Wednesday, XX/XX/2021, XXXXXXXX XXXX, Cash Support <emailsupport@cash.app> wrote XXXX Hi XXXX , It looks like youre reaching out for help canceling a payment to someone else. Cash App is unable to cancel or refund completed payments. We recommend that you attempt to request the funds from the recipient. 

To do so : Enter the amount of the transaction on your Cash App home screen Tap Request and fill in the To and For fields Tap Request again to complete the request To learn more, please visit Cash App Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

If you would like to dispute this payment, please provide the following information for each transaction in question. Without answers to each question, we will be unable to investigate further. 
Date : Payment amount : Recipient name or $ Cashtag : Reason you are disputing the transaction : In addition, to help us investigate your claim, please provide the following information : Provide the make and model of each device used to access your Cash App : Contacting us about something else? Please reply to this email with as much information as possible. 

Thank you, Cash App Support ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with 01 CITIBANK N A. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and 01 CITIBANK N A with no successful resolution. There was definitely an error on their part.

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 2020-07-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-27
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this account myself after seeing it on my credit file with nothing received nor a single response back. I was never informed or given the opportunity to dispute this before it appeared on my credit file which is wrong. I DO NOT OWE this company anything nor do I have an outstanding debt. Please help Account info Account name CREDIT SYSTEMS INTL IN Account number XXXX Date opened XX/XX/2016 Account status - Status updated XX/XX/2016 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Waypoint Resource Group, LLC
State: MD
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:
recently pulled a copy of my credit report and noticed accounts that did not belong to me .please remove these accounts

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