BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
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:
is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within XXXX XXXX XXXX XXXX days, yet you have failed to respond. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

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 2020-01-09
Company: EQUIFAX, INC.
State: NV
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 has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had this credit card which I believe was XXXX XXXXXXXX card my purse came up stolen with all my cards and other information my XXXX XXXX card was on of them with the sign in to my account I had written down in my purse I report it stolen with my identity they never lock or block my account so the person had my card had to been using my card repeatedly and some kind of way was paying my bill some type of way in they just kept using it until the run my credit up to XXXX something dollars in my credit limit was even that high so I don't understand how could they let someone charge that much on my stolen credit card XXXX XXXX XXXX they have did a court thing the have add on my credit report that's hurt my credit score they have sent it to a collection agent call PYOD LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX went bankrupt, and XXXX took over my mortgage servicing. In the process XXXX didn't receive adequate money from XXXX, and are now telling me that I owe them one month 's payment. Not only do I not owe them anything, but they owe me a payment that I overpaid by paying both XXXX and XXXX for the month of XXXX of XXXX. I have sent proof of payments, which were never delinquent, as all payments were done via autopay by XXXX   XXXX XXXX. Trace IDs were provided. 
Every time I call they say there isn't adequate proof of payment. Spoke to few managers who confirmed they have everything they need and should be able to process my refund, but nothing ever comes of it. Have recorded conversations. 
XXXX received payments on XXXX and XX/XX/XXXX, and XXXX received payments on XX/XX/XXXX and XXXX ( which is a double payment for 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 2022-01-28
Company: Amsher Collection Services, Inc.
State: AL
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 closed my XXXX account # XXXX In XXXX 2021 ( after 20 years ) was sent a final bill of {$55.00} which was paid XXXX 2021 in full. The next month they sent me another bill and said I owed more money ( XXXX ) for a cell booster that they sent to me 6-7 years prior and wanted me to return it. I had moved from that residence and no longer had the booster that was attached to that building. I was sent that booster as a courtesy because I was cancelling my service with XXXX since i had no cell service at work all day and at home I had to walk outside the building to get a signal. Nothing was ever said or signed for that I had to return this device or be charged for it or a contract. I contacted them numerous times but they insisted I return or pay for it ( I was a prompt paying customer for 20 years! ). They then turned it over to XXXXXXXX XXXX  Account # XXXX and then XXXX XXXX, Attorney Acct # XXXX. I have contacted both by certified letter that i did not owe the bill and sent proof of the Final Bill from XXXX for {$55.00} and to either send me proof that i had to return or pay for this item and if not to remove it from my credit. I have had no response from them since that. I started disputes with all 3 credit agencies, XXXX removed it, XXXX removed it but XXXX will not. XXXX has reposted it on my XXXX using a different account number and they removed it again. I need help getting this off my XXXX credit report. I have very good credit and do not deserve XXXX or XXXX doing this to me especially after my loyal payment for 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Reporting company used your report improperly

Complaint:
Both of these accounts are fraudulent accounts which I don't recognize I try to fix this and nothing is getting done so please remove these account before I take legal matters. 
Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Maury Cobb, Attorney at Law, LLC
State: AL
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 closed my XXXX account # XXXX In XXXX 2021 ( after 20 years ) was sent a final bill of {$55.00} which was paid XXXX 2021 in full. The next month they sent me another bill and said I owed more money ( XXXX ) for a cell booster that they sent to me XXXX years prior and wanted me to return it. I had moved from that residence and no longer had the booster that was attached to that building. I was sent that booster as a courtesy because I was cancelling my service with XXXX since i had no cell service at work all day and at home I had to walk outside the building to get a signal. Nothing was ever said or signed for that I had to return this device or be charged for it or a contract. I contacted them numerous times but they insisted I return or pay for it ( I was a prompt paying customer for 20 years! ). They then turned it over to XXXX Collection Account # XXXX and then XXXX XXXX, Attorney Acct # XXXX. I have contacted both by certified letter that i did not owe the bill and sent proof of the Final Bill from XXXX for {$55.00} and to either send me proof that i had to return or pay for this item and if not to remove it from my credit. I have had no response from them since that. I started disputes with all XXXX credit agencies, XXXX removed it, XXXX removed it but XXXX will not. XXXX has reposted it on my XXXX using a different account number and they removed it again. I need help getting this off my XXXX credit report. I have very good credit and do not deserve XXXX or XXXX doing this to me especially after my loyal payment for XXXX  years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: NV
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 is in violation of FCRA. See attached signed complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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:
Experian has refused to comply with FCRA and investigate fraud accounts that were opened without my knowledge or consent : 1. Accounts XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX XXXX  XXXX Experian falsely claims that I did not authorize my own complaint even though I provided all required information including last XXXX digits of my SSN, full name and date of birth AND attached an FTC identity fraud affidavit. Please have Experian comply with the credit reporting law.

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 2015-07-31
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a holder of Amex Premier Rewards card account since XXXX 2015, and in the past 4 months I had over {$6000.00} transactions in total ; I paid all of my payment well ahead of due date and never violated the terms by Amex. Everything was good until one day around XX/XX/XXXX, Amex called me and freezes my account requesting bank notary to prove my identity asap ; I offered to provide documents like passport scans, etc that could achieve the same goal as I have no idea what 's the notary and how to get it, but Amex insisted on it. I then went to all local banks but they refused to provide it for me and the branch managers also feel confused about Amex 's request. I did re-login my account to make sure the account was good on last Saturday, however when I was just about to call Amex to see if there is any other option they closed my account and voided all my XXXX rewards points ( worth {$320.00} at least ) ; there is also ongoing unresolved transaction dispute on my account while it 's cancelled. I was never notified by email or call, which I also later confirmed with Amex agents on phone. I instantly called back that day and the XXXX agent ( # XXXX she left me over phone ) also found it confusing, and guaranteed me that I will have my rewards point safe ( she said she can still see them on my account ) while she requests further investigations. She also said the back end says I requested to cancel my account but I really did n't ; I said phone record and website login history are proofs. Two days passed I still did n't hear back from Amex, so I decided to call back and the XXXX agents answered my phone ( I called XXXX ) are rude and impatient this time ; XXXX of them insisted that I requested to cancel it from what they can see, and once I requested them to provide evidence they refused. XXXX kept blocking me, and the other put me on hold and XXXX later hang on my call. All they repeated are my points are voided and they can do nothing to re-instate my account. Then I called the executive service line, this time the agent is patient at beginning, then after she checked my account for XXXX minutes, she said Amex did cancel my account for violating terms, but once I challenge it and ask for exact reasons, she refused to provide it and started to blocking me like previous agents ; she insisted there is no possibility to reinstate either the card or my reward points despite she ca n't provide any reason. I am really disappointed with Amex and right now the process could also hurt my credit history ; since Amex refused to solve my case, I want a solution from here to protect my rights to reinstate my reward points and get compensated for the time invested to solve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I currently have a past due auto loan with Consumer Portfolio Services ; I am currently behind on payments due to the decrease in work hours which puts me in the position to make the auto loan payments unaffordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I'm writing in hopes of getting an issue resolved. For several months my account was charged without my consent due to screen mirroring on my device ( it was hacked ). I didn't receive any notifications to alert me of the transactions. This was a secondary account so basically it was used as a savings account. I notified the bank and did a claim which was denied. I later filed another complaint ( rebuttal ) on XX/XX/2021. During the process of filing the rebuttal doing a thorough check of my account we came across some more new transactions form a merchant that weren't in my previous claim. Another claim had to be escalated making the claim for the rebuttal and another new claim for the latest charges that appeared on the account. During the process of each claim the bank didn't provide me with a temporary credit as stated in their policy, it was as if it went null and voided or appeared to only for a " selective few ''! I later received a letter for the smaller claim with the claim number used for the rebuttal. It stated " My claim had been denied because the merchant returned the funds '', therefore they no longer needed to move forward with the claim. This information was totally inaccurate the merchant did return the smaller claim but not the initial claim on file for over XXXX. XX/XX/XXXX I contacted the financial establishment spoke with another representative that looked through the account and stated the MERCHANT NEVER RETURNED ANY MONEY, therefore they're going to do another rebuttal and have it escalated the information in the system at this point was very conflicted. Even the agent was confused. There were overdraft fees which were never reimbursed that were astronomical. I'm highly frustrated and now seeking a physician for the stress this has caused me. In these difficult economic times I would've like to believe I would be protected by my financial institution but instead I feel as if I've been victimized twice. SUNTRUST what a name with a lack of!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
During a dispute regarding a fraudulent charge on my Citi credit card for supposed damages to a rental car, I was given explicit instructions several times regarding how to upload evidence, and specifically how to upload photos of evidence, what format these photos must be in, and how many photos to upload per email. I received a confirmation email that the evidence and photos had been received by Citi. During the escalation of the dispute, I had further conversations with Citi representatives confirming their receipt of evidence and photos. 
I then received and email for the Office of the President, Citi XXXX XXXX XXXX, Stating : We sent you a letter dated XX/XX/2020 requesting that you provide a specific response to the merchants claims. In addition, we explained photographs are not accepted. 
Because we did not receive the requested documentation, we have no further recourse to obtain credit from the merchant through the dispute process. 

This was responding to this complaint : I called Citi on XX/XX/XXXX and spoke to " XXXX '' at XXXX pm. She told me Citi hadn't looked at any of the evidence, that if a merchant " disputes the dispute then it is automatically reversed back to them, and I could appeal the decision by sending in the supplied letter signed and dated ''. EXPRESSLY stated in that letter was to NOT send any documents with the letter, but to send all my documents separately. I asked XXXX why they didn't even look at what I'd sent before making a decision, and why I'd need to re-send documents to the same address I had already sent them to. She put me on hold to speak to a supervisor and came back saying she could " open the documents and see everything, and I did NOT need to re-send anything ''. She told me Citi would be in touch with me if they needed any more information for their investigation. I received an email form Citi on XX/XX/XXXX thanking me again for my submission of the dispute details. 

So, either Citi 's XXXX XXXX XXXX is completely unaware of their own company 's dispute processes, or they are lying to me. I have also written directly to the Office of the President, and am waiting for a response.

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 monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: TX
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:
Experian and XXXX are reporting an inaccurate address that does not belong to me. I have already called and wrote letters requesting this to be removed. Please remove this address that I have no association with. 
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, 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 2020-08-12
Company: EQUIFAX, INC.
State: MS
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:
LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, XXXX XXXX ACCOUNTS DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
I realized XXXX day after a payment was due that I had not paid my card. I went online to pay the balance and noticed that they had already put a late fee and interest on my account. I always pay the balance due. I called them to see if they would waive the fees and they said they would waive the late fee but not the interest. Although I was not really satisfied I realized I made a mistake and accepted that I had to pay the interest. I paid the balance the day after it was due. I then signed up for autopay to pay the future balances so I would not be late again. My following month was paid then when I received another bill there was interested on the bill again. I called for an explanation and they said that since it was late the XXXX time then the interest charge was automatically placed again. I explained that even if they wanted to claim that, the balance I paid was {$570.00} and the interest being charged for XXXX day was {$10.00}. That would come to 54 % interest. She claimed there was a basic interest charge regardless. I also spoke to her Supervisor and she also refused to budge. I told them that if the {$10.00} was not waived I would cancel the card, which I intend to do after I pay the current balance. I still disagree with their practices and told them I was going to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a payment plan with Rausch, Sturm, Israel, Emerson & Hornik Llc. 
By law I requested a letter with the information of how many payments I have left. I requested for that letter alnostv2 weeks ago and I never got it. 
I called em yesterday and asked bout it and the guy I talked to told me to call 1/2 hour later which I did. once I asked bout it again the guy hang up on me. I called XXXX or XXXX tines more without any luck finally I ended up talking to a different person who asked me for some information and told me he will get somebody to call me but nobody did. 
I called this morning again and after several calls in which I was left waiting until they hang up on me every time I finally talked to a guy whose namevas XXXX. 
He asked me for the same information the other guy asked and promised me to send me an email with the info I requested but he never sent me the email and by law if I requested the info bout how many payments left I have they have to provide it but they never did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation