BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: First Data Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}

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 2018-12-28
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I sent XXXX XXXX XXXX a request to validate debt. Today I received a letter back, but from XXXX XXXX XXXX sending just a copy of an old XXXX XXXX bill as validation. I also requested the information regarding who owned the debt ( no answer ), to provide a copy of their agreement with the original creditor ( no copy ), all statements for the account while it was open ( none sent ), I feel they did not provide sufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been told by US Bank that my account is pending closure and that my direct deposits will not be available to me until XX/XX/2019. I explained to the bank manager that my direct deposits are used to pay my financial bills, so immediate access to my funds was necessary to avoid late charges and utilities stopping services.

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 2019-01-08
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX  and Ally Bank a.k.a Ally Financial Services they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX  and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and 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
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: NJ
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:
these are all, unathorozed inquires on, my credit report and are due to identy theft XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
they failed to validate and delete the inaccurate information on my credit report after months of disputing the 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
Consumer complaint received 2020-09-22
Company: American Financial Resources, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is the second time since I refinanced my mortgage with AFR. Since I got my very first statement, I tried to register my account on their website ( provided in the statement ) to set up automated monthly card payments. I keep getting " No Records Found-Error '' and unable to register my account. I have called AFR multiple times, spending at least five hours total on hold. I was told by at least four representatives that my problem will be resolved in the next 48 hours. During each conversation they prompted me to pay by the phone which I don't like doing. Still, after two weeks that my issue hasn't been resolved, I paid by phone. Now, a month later, I still am unable to register my account. I refuse to have to call AFR every month to make a payment and not have access to online payments as they state to view the status of my loan and set up automated payments. This is blatant disregard for the services they are meant to offer as a loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2019-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX  L for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to get this resolved for quite some time. This is my 3rd complaint regarding the reporting practices of XXXX. I have disclosed files showing where XXXX stated they have removed the collection. But after checking my credit report once again, I now show medicredit reporting twice for the same collection that was paid!

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 2019-07-11
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on the original amount that I owe however, the amount keeps changing and I have still not been provided with any itemization and/or any documentation as to what the additional sum of money owed is for. This false reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JC Penny has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-01-24
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home while XXXX was XXXX XXXX XXXX. Upon leaving the military in XX/XX/XXXX 2015, his job that was promised did not happen and became underemployed. I, XXXX, became XXXX with XXXX and on full bed rest and on XXXX from work. The XXXX were born 3 months early. One XXXX has major health issues that require special care. XXXX tried to find a better job and once employed did not receive pay for a few months. At this point we could n't keep up with the payments and fell behind on our mortgage. Now we are in a desperate need of a short sale. We have an offer on our home, we just need more time to get it reviewed by the bank. Will you help us get the foreclosure sale date postponed? It is currently scheduled for XX/XX/XXXX. The bank is Loan Depot and the loan number is XXXX. Thank you so much for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: C/C Financial
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: Information belongs to someone else

Complaint:
It a fraud I dont k ow this people never took anything from them or borrow anything from them I do t understand how this spear to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX XXXX XXXX {$0.00}

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 I submitted my first initial dispute due to incorrect and erroneous account information reflecting on my credit report. I asked the Bureau to provide me with THE ORIGINAL CONTRACTS on file between I and said creditor/s. The bureau responded to dispute as either verified or accurate, however they did not supply their Methods of Verification or the ORIGINAL CONTRACTS on file between I and said creditor/s. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the Credit Reporting Agency and this Agency has VIOLATED that right by not supplying any explanation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. However, they have not, and have broken the law. I DEMAND these accounts be REMOVED and DELETED.

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 2020-09-21
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough. The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX  because I keep receiving collections notices from various different collectors saying I owe XXXX  money. for years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. Can you please stop XXXX  from either lying to me or to get them to call the collection agencies who are reporting XXXX  collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion and XXXX  are in violation of act s 611 5 b of the fcra I have 8 inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXt XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and 2 from XXXX XXXX  XXXX and XX/XX/XXXX on my report that is not suppose to be there these are not suppose to be on my credit report. I sent disputed letters, XX/XX/XXXX, XX/XX/XXXX, complete dispute online, transunion customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2018-02-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened this credit card to assist purchasing things after a recent change in life events. A little over a year after financial hardships set in and the account went into default and I wasn't able to reach a resolution with the bank.

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 2019-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The store " XXXX '' has reported me to the credit bureau " Experian '' that I owe them {$1200.00}. I have already sent the information to the credit bureau and I have sent 2 letters to Experian saying that, this account is not mine. We have also gone to the stores of XXXX in person and I have given them my information, my social security number, and my identification. The first ever letter I wrote to Experian was back on XX/XX/2018. The second letter I have sent to Experian was also back on XX/XX/2018. I have also done a dispute against this account multiple times through " Experian.com ''. And they have not removed this account from my credit report. I do not know what else to do to get this account removed from my credit reports. Because I have NEVER opened a credit card with XXXX. Hopefully, you can help me get this account removed.

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 2019-05-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I answered an ad on indeed about a caregiving job and then I was sent a check for XXXX I was then instructed to send XXXX dollars to Texas to help the family move their mom to XXXX NC from Texas the check they sent me bounced and they got away with my XXXX dollars o sent through money gram Ive contacted police and money gram and my bank no one would help me Ive been getting the run around from money gram and I cant file a complaint no one will listen to me please help me get my money back.

Company response to consumer: Closed with explanation