BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: Key 2 Recovery, Inc.
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
All I know is I have over 2000 dollars on my credit report and these incompetent ********* are trying to tell me I enrolled in school and went a certain amount of days I most absolutely DID NOT!!! THEY PROVIDED SOME XXXX PAPER WORK THAT ANYONE COULD HAVE FILLED OUT and their reasoning is I supposedly went to this school for 60 something days which I absolutely did not! You have to go to school a number of days to even get the student loan so that's clearly what happened!!!!! Someone impersonated me and the. Dropped put when they got the money!!!! How tf was I going to school in XXXX XXXX when I lived in XXXX at the time?!?!?!?! I WANT THIS TAKEN OFF MY CREDIT BC IT IS FRAUD AND IDENTITY THEFT! I'VE BEEN DEALING WITH THIS SINCE 2010 AND I'M SICK OF IT!!!!! I WANT THIS OFF NOW!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email from XXXX notifying me that my XXXX card has been closed. I called XXXX and they said the account was closed due to inactivity, and that a letter was sent to me on XX/XX/2018. I had intentions to use the card for any upcoming medical expenses, and thankfully Ive not had any medical expenses throughout these years. I do not believe this is a sufficient way to notify someone that their account will be closed as mail can be lost and/or stolen and I never received an email or phone call from them. Due to the account being closed by XXXX, my credit score is now being affected.

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 2020-05-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX  XXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.

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 2020-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Rushmore Service Center, LLC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I received

a letter from Rushmore Service Center attempting to collect a debt that I do not owe. I then sent out a cease and desist letter, an affidavit of truth and an invoice with the list of violations this company has. I have never done business with Rushmore Service Center, I did not authroize them to communicate with me and an investigation was never done, because if it was I should have received the documentation to prove it was completed. I am the consumer in fact, natural person, original creditor, lender, executor Pursuant to 15 USC 1692c ( a ) Communication with the consumer generally was not given to you by me. Pursuant to 15 USC 1692c ( b ) Communication with third parties I did not give you consent to contact me. Pursuant to 15 USC 1692j ( a ) It is unlawful to compile a form in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Please note that I am holding you civilly liabile for noncompliance according to 15 usc 1681n

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I WILL BE MOVING FORWARD WITH LEGAL ACTIONS AGAINST CBS. 

THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY CBS COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. Lets also not forget that CBS COLLECTIONS broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my Mini-Miranda five days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See XXXX XXXX XXXX XXXX XXXX XXXX 493 F. Supp. 701 ( D.N.D. 1980 ) ; XXXX XXXX XXXX, 950 f.2D 107 3D cIR. 1991 ) ; XXXX XXXX XXXX XXXX XXXX XXXX , Inc. 943 F.2d 482 ( 4th Cir 1991 ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION ref # XXXX AND the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: AES/PHEAA
State: MI
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:
XX/XX/XXXX Fed loan servicing reported a late payment. After speaking with the representative it was concluded that a representative neglected to process a loan repayment application I completed XX/XX/XXXX. No notifications were sent to me that this application was not processed. This is the only late payment that I have and it is not my fault. I was told by the representative to dispute it through the credit bureaus which I did and it still was not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I filed a dispute and experion " settled " the dispute, the answer they wrote was " verified ". XXXX credit has the wrong address and Ido not know who this company is, Experian also put an address on my credit report and I do not live at this address. The adress is XXXX XXXX XXXX XXXX, I do not live at this address, experian refuses to remove the address. I disputed a company by the name of XXXX banking and experian says " verified ". I dont know who this company is. Experian will not give me any inforamtion. XXXX XXXX  " complaint # XXXX 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 explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I filed this complaint myself with nobody help! MY NAME IS XXXX XXXX AND THIS REQUEST CAME DIRECTLY FROM ME!! I'M NOT WORKING WITH A CREDIT COMPANY TransUnion Consumer Solutions XXXX XXXX XXXX DATE OPEN XX/XX/2017 My personal information was exposed in the XXXX  Data Breach in 2017 '' i've contacted TransUnion informing them of this matter after reviewing my credit file with them MYSELF my name is XXXX XXXX also went and file a police report and Demanded a investigation also i've file a FTC report myself about this identity theft problem that i've been battling with for years now!!! i also filed a consumer complaint with CFPB and recently TransUnion Consumer Solutions wrote me back saying that my CFPB complaint regarding my investigation does not appear to have been sent directly by me or to be authorized by me!! this makes no sense i called TransUnion Consumer Solutions myself in the past and also file disputes on they websites nothing was solve!!! and recently i've log into my TransUnion and try to re submit a dispute as told by them and i was locked out i called TransUnion 1800 number and i waited a 4 hours and still no one to speak to!! this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft! my next step if this problem continue ill be contacting a attorney because this is very time consuming and complicated i've did everything i can possibly do!! being that i dont have a history in credit or finance i will be contacting an attorney who specializes in predatory loans and breach victim compensation please fix this issue asap

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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/2019 I found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed from my 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 2019-06-06
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: Information belongs to someone else

Complaint:
I HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME

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 2018-07-23
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written this company and they refused to respond, saying that my letter came from a company/organization. And they ignored my previous request to provide applications or security agreements that were completed by me to prove the initiating of this account. This account does not belong to me, and I did not initiate such account with them or the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I submitted several transfers with TransferWise ( one on XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX and XXXX, XXXX, XXXX, XXXX - further details in this image - XXXX ). Of these 6 transfers, none of them went through until we called and spoke with TransferWise on 5 separate occasions, taking us into XX/XX/XXXX. In XX/XX/XXXX, the TransferWise rep told us the money would be refunded into our XXXX account and it would take 10 days. Then, rather than getting the refund, transfers started going through to the US account ( XX/XX/XXXX for {$350.00}, XX/XX/XXXXfor $ XXXX, XX/XX/XXXX for $ XXXX ). Now in XX/XX/XXXX, were still waiting for a refund in the amount of approximately {$400.00} + a refund of the XXXX in transaction fees, which was also discussed with the TransferWise agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: U.S. BANCORP
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen in XX/XX/2018. A while after fraudulent charges where being made. The bank denied claim even after police charged a suspect with fraud.

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 2020-09-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX & XXXX XXXX XXXX ( XXXX XXXX XXXX We refinanced our first mortgage on XX/XX/XXXX which was serviced by PHH Mortgage. I have been waiting for the refund of our escrow impound. After two weeks I began calling PHH Mortgage and they keeping telling me they are looking into the matter but after 3 separate calls the answer is the same ; we are checking status and will get back to you. 

Please help me recover my escrow refund. The balance is over {$12000.00} and I had to borrow money to cover the impound account with my new lender. 

PHH Mortgage Services Account # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
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: Personal information incorrect

Complaint:
I have contacted Transunion about an invalid address on my credit report. Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. I have sent them letters and faxes and made phone calls to them. Sent proof from my city that the address does not now nor has it ever existed. The last time I called them they said the address was removed but it is still showing on my latest credit report as of XXXX/XXXX/XXXX. I want the address and any so called accounts associated with the address removed completely from my credit report ( s ) Thank You for Your Time

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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I contacted a " tattoo artist '' to complete some work for me, the artist said that he would gladly help me, but that I needed to send 50 percent of the cost of the tattoo to him as a " deposit ''. Total cost of the tattoo was going to be {$600.00}. He suggested that I send increments of money because of " past scam issues '' he has had in the past. From there I sent {$50.00} via XXXX XXXX. and he suggested that I send the rest via AXXXX XXXX ( XXXX XXXX ), I sent {$250.00} on XXXX XXXX, The artist then texted me the day before the appointment ( which was scheduled for XX/XX/XXXX at XXXX ) and asked me to send the rest of the payment because he " needed it to pay his rent '' not thinking twice I went ahead and sent {$270.00} XXXX XXXX. On the day of the appointment I drove my car to the provided address ( pictures will show attached ). Called the Artist phone and texted to let him know I had arrived, I received no response, I had been blocked via cell phone and via social media, that Is when I knew I was being scammed. I then attempted to contact CHASE BANK claims department, to have this issue resolved and realized they are closed on Sundays, I was told to try again the next day for help. I contacted chase That Monday, provided them all of this information and I even let them know, that I had pictures for evidence if needed! ( which they declined to take ) Chase then submitted my claim on XX/XX/XXXX, reversed the translations! and told me if they needed if anything else they would contact me ( WHICH THEY DID NOT ). I was then emailed on XX/XX/2021 that my claims decision had been made, and that CHASE is now deciding that my claim was going to be denied and that I would have to pay back the money credited to me by XX/XX/XXXX! Can someone please help me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Sterling Infosystems Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX  XXXX XXXXVerification2nd submittal This is my 3rd response to this dispute sent to Sterling after I personally contacted XXXX : I just contacted the XXXX XXXX XXXXXXXX, and they also told me they have a record of participating in two classes. I explained what I voiced in my previous email that this organization seems to have lied and was not connected with the XXXX XXXX XXXXXXXX. 
As I statedin my previous email, I attended XXXX classes in XXXX and the organization stated they were affiliated with the XXXX  XXXX XXXX. Now come to find out these documents are bogus. 
The administration stated years ago they had connections in XXXX and the XXXX XXXX but not anymore. I asked what couldbe done they saidfor me to contact XXXX in XXXX. 
When I called the school individualonline statedthe school has changedownershipetc.I 'm out of XXXX USD, plus this bogus Degree.I attended these classes in XXXX  XXXX. Request this item be removed from my background screeningfor the above-mentioned reasons. 
My next action will be to have my lawyer contact your organization to see why the information has not been removed. 
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 explanation
Consumer complaint received 2019-06-06
Company: LendUp Loans LLC
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a credit card, and was approved back in XXXX. My card and pin were supposed to get to me 10-15 days after. Both in separate envelopes. I did not receive either of them. I sent a message, and they asked for my address again. I gave them my address again, and they said they would resend it. So I waited AGAIN another 10-15 days. I have been sending messages to find out where my card is, and I just keep getting the run around. After waiting more than one month for my card, one of the messages that I got back stated that it could take up to 30 days to get my card. That is not what is advertised, or what was said to me in my previous responses. This is poor customer service, not to mention that they have not offered any type of solution. I applied for the card because I needed it.

Company response to consumer: Closed with explanation