BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX. XXXX, I contacted XXXX to open a dispute about items I never received from from a Company called " The Dir Label. '' The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. 

On XX/XX/XXXX, the company sent the items I asked them to cancel and XXXX responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided XXXX this screenshot at the time showing item was in transit back to the business via their portal. 

I also provided them email communications that I had at the time showing I had reached out. 

XXXX never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Account at Macy 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report 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 non-monetary relief
Consumer complaint received 2017-06-17
Company: EQUIFAX, INC.
State: FL
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 contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for the  Barclay Gold MasterCard arou nd  XXXX   XXXX . I was approved for the card with the following benefits : 0 % interest for the lifetime of the card while I was on  XXXX   XXXX  service, annual fee waiver of {$990.00} ( {$290.00} for each Authorized User added to the account ) for the lifetime of the card while I was on  XXXX   XXXX  service, and other small benefits. I recently received an email stating that Barclay changed their terms and are now making me pay the annual fee. The only way I can avoid the fee is paying off the entire balance of the card and canceling by  XXXX   XXXX . I am currently unable to pay off the card in this short amount of time and will be forced to pay the annual fee of {$990.00}. The entire reason I even got the card was because the original terms had the fee waived, I am unable to afford a credit card with an annual fee of {$990.00}.

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 2017-06-13
Company: Experian Information Solutions Inc.
State: MI
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 've called the Experian multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2021-05-12
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX XXXX  in full and closed my credit card account. XXXX XXXX XXXX then sold the paid account to Resurgent capital services. XXXX XXXX XXXX reported to my credit report, I disputed the matter and proved the payments were made and that I closed the account. XXXX XXXX report was found truthful and deleted from credit report. Resurgent capital services has failed to acknowledge the payments made to XXXX  XXXX XXXX and has reported the charges to my credit report. I have tried multiple times to prove that the account they are trying to collect on, was in fact a paid and closed account. I have provided evidence of payments & credit report status stating the account was paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SYNCHRONY FINANCIAL
State: GA
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:
I tried to pay PayPal Credit and XXXX XXXX XXXX XXXX on numerous occasions and they could never receive my payments. Although my attempts were made, they still insisted on sending my bills and failed to resolve my problem as of XX/XX/2022.

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 2022-03-30
Company: ERC
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: Account information incorrect

Complaint:
Enhanced recovery is failing to respond to my correspondence. I have mailed them several times inquiring about their account they are reporting on my credit. When I satisfied the balance in 2020 I clearly remember the representative stating that they would delete this account from my credit. Now Enhanced Recovery ghosted me after they took my money. Please delete this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I gave notice for them to stop calling. They bought a debt and I let them know I have no contract with them. Still called several times after I told them to stop calling. This was the most recent call on XX/XX/2018 at XXXX. 

Company is called EGS Financial Care , Inc. Their phone is XXXX and Fax is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my credit score monthly. I 've contacted them and spoken to a representative twice over the p ast two mont hs. They continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) stat es differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They continue to tell me that the account shows as closed and noted my ba nkruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) states di fferently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account 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 2017-06-16
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. T hey continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  burea us ) state s differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account 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 2022-09-10
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Reposed my XXXX  XXXX XXXXXXXX XXXX They also didnt transfer tittle to my name XXXX XXXX and the time of the purchase. XXXX # XXXX plate # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/XXXX A LOAN WAS TAKEN OUT IN THE AMOUNT OF {$1000.00} FRAUDULENTLY. MY IDENTITY HAD BEEN STOLEN AND I WASN'T MADE AWARE OF THIS UNTIL XX/XX/XXXX. I HAD NOTIFIED ACE CASH EXPRESS AND THE LOCAL SHERIFFS DEPT. TO FILE A COMPLAINT. ACE CASH EXPRESS HAD ME FILL OUT AN AFFIDAVIT, HAVE IT NOTARIZED, AND FAXED ALONG WITH THE COPY OF THE POLICE REPORT. NO FOLLOW-UP EMAILS, PHONE CALLS, OR MAIL WAS SENT BY ACE CASH EXPRESS. ALL I WAS TOLD IS THAT THEIR DEPARTMENT THAT HANDLES FRAUD WILL TAKE CARE OF IT. HERE XX/XX/XXXX OVER 8 YEARS HAVE GONE BY AND I RECEIVE A COLLECTIONS NOTICE. WITHIN THOSE 8 YEARS NOT ONE BILL TOWARDS THIS LOAN HAD BEEN MAILED TO MY RESIDENCE, NOT ONE EMAIL OR PHONE CALL. ACE CASH EXPRESS HAD ALL OF MY CONTACT INFORMATION AND FAILED TO 1. INFORM ME OF THE PROGRESS OF ANY ONGOING INVESTIGATION INTO THE FRAUDULENT LOAN 2. OFFER A SETTLEMENT RESOLUTION TO AVOID COLLECTIONS. IT IS NOW 8 YEARS LATER THAT I RECEIVE A PHONE CALL FROM A COLLECTION AGENCY TO COLLECT ON THE DEBT. ACE CASH EXPRESS HAS FAILED IN THEIR RESPONSE TO HELP RESOLVE THIS SITUATION. THEIR VETTING OF ONLINE LOAN APPROVAL IS INSECURE AND ALLOWS FOR CRIMINALS TO EXPLOIT THE MEANS TO OBTAIN FUNDS UNDER FALSE PRETENTIOUS BEHAVIOR. ACE CASH EXPRESS HAS FAILED TO PROVIDE ME WITH INFORMATION LINKED TO THIS ACCOUNT. EMAIL, PHONE NUMBER, BANK ACCOUNT AND ROUTING NUMBER OF WHERE THE FUNDS MAY HAVE BEEN CASHED, COPIES OF ANY DOCUMENTATION GIVEN WITH THE LOAN APPLICATION SO THAT I CAN PRESENT THIS INFORMATION IN MY DEFENSE IF NEEDED. ( AFTER ALL, THIS IS SUPPOSEDLY MY ACCOUNT IS IT NOT? ) I AM LOOKING FOR COMPENSATION BY HAVING ACE CASH RESCIND ANY AND ALL FEES ATTACHED TO THIS LOAN. THEREFORE PAYING RESTITUTION THE COLLECTION AGENCY IN WHICH ACE CASH EXPRESS HAD SOLD THE LOAN TO. I'VE DONE MY PART IN PROVIDING ALL THE NECESSARY DOCUMENTS PERTAINING TO THE FRAUD IN XX/XX/XXXX. I'VE ALSO CONTACTED ACE CASH EXPRESS ON XX/XX/XXXX TO FURTHER INQUIRE ABOUT THE INVESTIGATION OF FRAUD. NOTHING WAS DONE. THE ASKED ME TO RESEND THE DOCUMENTS AGAIN AND THAT WAS ALSO DONE ON XX/XX/XXXX ACE CASH EXPRESS HAS FAILED IN THEIR EFFORTS TO RESOLVE THIS. IT HAS BEEN 8 YEARS SINCE THE IDENTITY THEFT AND REPORTING IT TO LOCAL LAW ENFORCEMENT AND ACE CASH EXPRESS. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
State collection agency work for  XXXX    XXXX   XXXX  . I am in process to get financial help from the hospital to pay the balance although majority portion of the bills paid my health insurance. Patient is my  XXXX   years old  son. I notify collection agency on  XXXX / XXXX /   17  by fax that I am paying regular basis to  XXXX   XXXX  and my financial aid application is on process. I do not owe this debt and they need to stop contacting with us. This account should not be on collection. But they are ignoring my request and they are in process to effete my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
transunion is reporting my chXXXX  under public records which is a private matter to me. according to 15 USC 1681 ( a ) this company is in violation of my right to privacy and the information they posted on my credit file i wish to be private. this company infringed on my right to privacy. please help me with this matter.

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 2021-05-12
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I submitted a credit application with XXXX XXXX in XXXX, SC. A few days later I received a text from Vanderbilt Mortgage asking me to call them at XXXX XXXX XXXX. When I called I was told that they had sent me an email with the terms of the offer. I told her that I never received the text. She then told me the terms of the offer, 6.7 % for 23 years along with other specific. Later, I send them a text requesting a written copy of the offer. As of today, I have not heard from Vanderbilt Mortgage not have I received a copy of the application I submitted with 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 2022-03-30
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had listed this complaint with you before about Mr Cooper/ Nationstar losing my XX/XX/2021 payment in which you didnt ever get resolved. They said that I didnt make my payment in XXXX of 2021 in which I did and have sent the documents proving that I made the payment. Now they are completely ignoring me and my emails. I have complained with their research department and their executive resolutions department and still nothing happened. I have e even filed a complaint in their complaint department and still no one has contacted me back. I had asked you over a month ago to help me fix this issue in which you didnt. I am XXXX that it has been XXXX months and there is still no resolution to this issue. I want some results this time out I am going to have to find a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 is the balance but original balance was XXXX They sent me a alert but report is still not correct, XXXX has ensured me that the information has been certified correct and accurate. But that information still contains A disconnected non working telephone in which their is no new number at this time according to the recording when get when you call the number on the telephone that is on my credit file. Now according to the law everything must be accurate or it must be removed and they certified this as a reinvestigation. Not the mention they also certified that XXXX also that their information was accurate also but am not believing it. After what they did for the first one I cant believe anything they said. At this point I wan na know who and how they verified the information. Who do they talk to where did they get the information from, what was their source? Did just pull it out the air.

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 2017-06-16
Company: CITIBANK, N.A.
State: AZ
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:
RE : CITIBANK  CARD  XXXX   XXXX   XXXX   XXXX  I saw, online, a promotion that would return {$300.00} if one spent {$1000.00} in 90 days. I received the card and spent {$1000.00} in 30 days. CITI tells me that that offer was only valid if CITI solicited for you to take it. Advertising something online sounds like a solicitation to me. CITI says it will give me {$300.00} if I spend {$3000.00} in 90 days. Pompous, hostile and unacceptable is this  50o0 LB Gorillas  stance. I wrote t o CITI and received, about 2 we eks ago, a call from the Exec office telling me they would deal with the problem by the  XX/XX/XXXX . Unsurprisingly, I have not heard from them. It would appear that I must have made this offer up from CITI 's viewpoint.

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 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Once AGAIN my report is indicating I have multiple student loans negatively effecting my credit report and score. They are still reporting payment history that was mandated be removed from my date of bankruptcy to prior to and has n't been done and its been almo st 2 yrs. Their loans are past the federal guidelines of 7-10 yrs A LSO effecting my credit negatively.  XXXX  doesnt exist any longer. And I have  XXXX  consolidated loan. There are no multiple student loans. I 'm tired of submitting investigations this is going on 2 years

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