BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-03
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-07-22
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Wells Fargo Bank you are officially informed that your fraud estate embezzlement case currently being investigated by XXXX  XXXX I sent with all supporting documents to sitting Senator XXXX XXXX United States Senate so she can view first hand that her brainchild agency the CFPB is being lied to in official bank documents despite presenting overwhelming evidence of your illegal behavior towards my case and the bank was not held accountable for its actions nor an official investigation was started by the US Government Bureau despite numerous complaints. If the bank is under the impression or was promised that you will get soft handled concerning this case I regret to inform you that is just not going to happen. And this case was also sent to the FBI and the US Justice Department and the Federal Trade Commission. I am coming after this bank with will full Legal force because it's my legal court ordered right 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 2022-01-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a dispute to Equifax about XXXX XXXX XXXX ( Date Opened : XXXX XXXX, 2021, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/2021, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/2021, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I receive child support through a prepaid Debit card program ( way 2 go ) I saw a transaction I did not authorize. ( XXXX on XX/XX/XXXX I barely make it getting by just to live so shopping on the Internet is out of the question. As I was on hold I noticed another XXXX on XX/XX/XXXX came out. I need that money back bad. I have kids I have to feed. A lady I spoke to said I didnt have an account, I have had that same account for years. I could not understand her either. The call ended but not by my end and here it is Tuesday XX/XX/2020 I have called and called and called and have been on hold for hours all together still I have not gotten in touch with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
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: Personal information incorrect

Complaint:
There are wrong personal information showing in 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 2021-12-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm apply for a sensitive public trust position with the XXXX government. On my credit report, it shows that I owe {$850.00} to XXXXMidland Funding , who obtained a judgment in XXXX district court for that amount. 

On XX/XX/2021, I called Midland and they said they have no record of that debt, and I called XXXX XXXX XXXX credit card services, who told me to contact XXXX, and XXXX told me to call Midland. 

On XX/XX/2021, I contacted the attorney of record on the judgment, and she instructed me to call the XXXX XXXX XXXX in XXXX XXXX, Michigan. XXXX told me to call Midland Credit and provide reference no, XXXX, and the last XXXX of the credit card was XXXX. 

On XX/XX/2021, I contacted Midland Funding and provided all the information and they still couldn't locate the debt. They couldn't locate the debt records, and told me that I am not obligated to pay on the account and a satisfaction will be recorded at the courthouse within XXXX days. I told them that fine, but I want a letter on Midland 's letterhead stating what they just old me. Midland said they are unable to do that. Midland would not forward the call or request to a supervisor to provide that letter. Midland 's number XXXX, XXXX, or XXXX. 

I can not wait thirty days. I'm undergoing a background investigation, and I want a letter indicating that I do not owe the debt and the court judgment will be satisfied so that I can present it to the federal investigator performing my background and clearance checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( aconsumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as requiredunder Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provideme with any verifiable proof. So, my question comes up again, WHO VERIFIED THESEACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, orinaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX .... Late dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Late dates 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 2019-12-18
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX Dovenmuehle Inc, fraudulently extorting me for additional monies, first they stated my real estate tax dobled ( not the fact ), after 7 months of XXXX they stated that my monthly payments on fixed mortgage increased as my home insurance is {$13.00} per year.I am not required ubdwr XXXX XXXX to carry insurance as my LTV is at 54 %.

Ongoing phone calls harrassement, intimidation, yelling at myself, etc, letters of imminent foreclosure and extortion for money they tried to defrauding me of.

Continue to the present day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Credit Karma, LLC
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have an old XXXX situation on my credit report, and the credit reporting agency will not do anything about it. They will not give me proper investigation results. Please can you help me with this matter?.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2016-03-26
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had some private student loan with XXXX and then XXXX transferred all of my student loan to a company that is called AES. I contacted AES to explain to them that i had just had a new baby and I am not paying that much money to be able to take care of XXXX kids and myself and still pay over XXXX a month. I have even asked if i can do something to lower my payment, like how i am XXXX and i just keep getting told that they cant do anything for me and if i dont pay my bill then they will report it to my credit report. I feel as if they would like for me to be homeless with my XXXX children inorder for me to be able to pay my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX MN XXXX, XXXX XXXX XXXX XXXXXXXX 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 2016-09-26
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Reference Goldman Sachs Bank ( GS Bank ) ; GS Bank refused to accept written notice to close a CD at maturity. In my opinion this is an overly restrictive and punitive policy. If I were to close a CD that automatically renewed then the penalty would deduct from the principal that was used to " roll over '' the CD XX/XX/2016. 

I contacted GS Bank by phone on XX/XX/2016 and talked to " XXXX '' and again on XX/XX/2016 talking with " XXXX ''. I knew that I would be out of country when the CD matured and would not be able to call the bank. I told this to XXXX and she said it was company policy to handle account closing by phone only. I made it clear I was not happy and decided I would take action to close the account on my return. On XX/XX/2016 I called the bank to close the new CD and was told that the penalty would not be just the accrued interest since the roll over date but also deduct from the principal that was used to open the CD. Again, I told GS Bank that I found this an unacceptable policy and asked to talk to a manager. I was told by XXXX that he was a supervisor and that no one else would change the answer I was given. The penalty would deduct more than one year 's accrued interest in the account. 

My intent was to either open a GS Bank five year CD or move the principal to an competitive bank paying 1.95 %. I was not offered the opportunity to move the money to a new 1.85 % five year CD at GS Bank. 

Checking my financial files I found a XXXX page " Deposit Account Agreement '' from GS Bank. Reading this section on Certificates of Deposit it is not clear that a " phone call '' is required to close a CD. Seems to me I should have been offered the opportunity to provide written notice but was denied that option. I have several CDs with other banks and have been required by at least one bank to provide written notice, not a phone call, when closing an account. 

Simply stated, the GS Bank policy preempted my ability to improve the return on my funds. Because of the policy and the punitive penalty I can not move my money out of GS Bank for another two years. 

I would now like to close the GS Bank CD without penalty and seek support in getting GS Bank to change their policy. 

Thank you.

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 2022-07-22
Company: EQUIFAX, INC.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I authorized a money transfer of {$5500.00} from my HSBC Premier checking account XXXX to the account of my relative in XXXX on XX/XX/18. This money was never sent, nor did it reappear in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Involved with a scam FTC report numberXXXX, Initiated a payment to XXXX XXXX - quick pay with XXXX XXXX Chase would not even file a case # - said too bad, you paid them your fault, I have never heard of anything like that Couldn't they have flagged it so I would have had to think about it for even an Hour. 

Amazon called said my account was hacked by unauthorized people in Ohio and XXXX so they walked me through the pages on amazon site to help me understand security They needed me to pay XXXX XXXX XXXX so they could initiate the refund - I recieved to email confirmations from them XXXX I know I was scammed and I feel XXXX Showing my age I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is a follow-up to my complaint XXXX which for some reason keeps getting referred to the OCC despite not being a national bank. 

In XXXX, I worked with MOHELA via XXXX in hopes to consolidate and refinance loans allegedly taken out through XXXX XXXX for my time at XXXX XXXX XXXX XXXX. 

In XXXX, I started a XXXX XXXX case with Federal Student Aid against XXXX XXXX XXXX for misleading information and malpractice - as such, I attempted to internally gather records of the original student loans by XXXX XXXX and the consolidated, refinanced loan through MOHELA. 

As it turns out, MOHELA claims that the total amount paid to XXXX XXXX was {$41000.00}, while the XXXX XXXX account in my name only has record of {$10000.00}, now marked Paid In Full - neither company has been able to produce a receipt of this transaction paid to the other, or a proper validation of debt with a written signature on the initial loan. 

I have since paid MOHELA well over the initial amount of {$10000.00}, and have never borrowed money directly from MOHELA- just an alleged refinancing of money owed to XXXX XXXX, which also does not have record of my signature on any student loans. 

I have attempted to contact MOHELA multiple times via written letters, fax and calls since XX/XX/XXXX with no attempts to resolve this dispute on their end.

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