BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: ONEMAIN FINANCE CORPORATION
State: NJ
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:
ONEMAIN appear on my XXXX credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX  and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS OR OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY AS THE FCDPA SECTION 604, 609 AND 611 DEMANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CULLEN/FROST BANKERS, INC.
State: TX
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:
I was contacted to place an Ad in a XXXX XXXX magazine to promote my XXXX XXXX services In XX/XX/XXXX. They sent me invoices I paid with my debit card and they never produced the magazine.On the invoice it states the services I am supposed to get that I did not. I got the run around every time I called they said it was delayed. In XX/XX/XXXX I realized something was not right and I lookied onto the XXXX Website and found pages of other complaints as to the fraud that XXXX did to other people and small businesses. He took their money and never produced the magazine or their ads. I then contacted my bank to report the fraud and dispute the charge. My bank said it was past the 6 month cut off for disputing charges and they could not help but told me to file a complaint with the XXXX which I did. I finally reached an 2 past employees. One her name is XXXX, was able to reach the owner XXXX XXXX who told her he would refund the money to me. He responded to my email saying he would check into the matter and get back to me. When he finally called me he said why dont you just have your bank reerse the charge. I was honest that it was past that cut off time. He said he would check into getting my refund and get back to me. =He has not and will not respond to any of my communications anymore. I have called texted emailed and he will not respond. This man has several company names he does business under. I have all of that information along with all the other fraud complaints toward him and his businesses. He needs to be stopped before he frauds another person. I am a small business a XXXX XXXX XXXX and single mom and am now out {$2000.00} and struggling just to make ends meet. Please help me and the others that have been victims also of fraud as XXXX is still in business with a functioning website phone number and employees. His personal cell is XXXX Business Phone ( XXXX ) XXXX, Email : XXXX AND XXXX These are some of the company names XXXX is using : 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 XXXXXXXX XXXX XXXX XXXX Here are the two addresses I have for him : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX # A XXXX XXXX, XXXX  XXXX XX/XX/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 Balance : {$470.00} ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/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 2020-03-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received my XXXX statement and paid the balance in full well before the due date. However, on my subsequent XXXX bill, I was charged full interest on the balance. I paid off the full balance well within the 21 day grace period, meaning it is illegal to charge interest on the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, NACA is violating the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) rule that is outlined by the CFPB. 

https : XXXX NACA is calling their process homebuyers counseling, but they are collecting all the documents needed to make a credit decision. 

https : XXXX Also, NACA is violating Reg B ECOA as it relates to their process they define as homecounseling. 

https : XXXXXXXX XXXX XXXX They are same entity providing both the counseling and application approval. 

I have been in their so called home counseling for months and they have asked for documentation and push next appointment out for months. 

NACA should have to comply with all the regulatory rules. They have failed to provide a detailed explanation how this process with my application is complying. Also, they should not encourage any applicant to go apply with another lender due to their failed untimely processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SYNCB/LOWS has place a fraudulent account on my Credit Report on XX/XX/2018 in the amount of XXXX I demand that the account be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Arco Collection Services LLC
State: TN
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 recently sold my home in XX/XX/XXXX. All liens that were against my home was paid off in full before I could sell the home. I opened an installment loan with a company XXXX XXXX on XX/XX/XXXX. I attempted to do a debt consolidation with a company called XXXX XXXX XXXX XXXX which never solved the issue, in which my XXXX XXXX XXXX loan was sold to a third party collection firm named Arco Collections. The original loan amount from XXXX XXXX was XXXX. Arco Collections had raised the loan amount total to XXXX stating that was interest applied to the loan. The payoff date later was good through XX/XX/XXXX, and my home was sold on XX/XX/XXXX. The loan is paid in full, and closed ; but the company XXXX XXXX refuse to cancel the balance to 0.00, and states charge off on my credit report as if I still owe a payment I have all legal paperwork to include that it was paid off.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX FXXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXXXXXX XXXX APTA XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on XXXX, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.

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 2017-01-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
hello My name is XXXX XXXX I am a former XXXX school student, the school that forced to sale their foundation by the department of education for providing false education anyway I am applying for the loan refund, however my issue is that when the school got us to sing for the privet student loan from an agency called XXXX. after a period of time I received an email saying XXXX is not my loan provided anymore. And University accounting service LLc became the new provided service that I have to pay back to them. my problem start here, my bill is {$120.00} a month. I am paying that amount for couple of months but every month I have interest accrued, when I asked them by phone the lady told me because I am paying the Miniman .then I paid {$300.00} for tow month that 's double the amount, but still interest accrued. after that I have contacted them by phone and email to send me the loan and interest polices to understand why interest accrued to avoid paying interest no one did what I have Asked for. no body provided me the polices. just what I am asking for is that they do n't want to provide me information about my dept. I do n't know now if they charging accurate or not. 
thank you the company website is XXXX my email is XXXXXXXXXXXX my phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
When checking the balance of an American Express gift card, I found that a fraudulent charge was made at a hotel in New Jersey on a day that I was at work in Connecticut. American Express said that the card had been swiped at the hotel, although it had never been out of my possession. I received no satisfaction from them as they explained that the cards are treated as cash to which I complained that their security is abyssmal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent ARS a certified letter for proof of verification and I never received 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 explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
all FTC violations been filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute is below laws they broke attached The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ;

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 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I found out my identity was stolen and credit cards open on my behalf.

I made a identity theft report and forwarded to all 3 credit bureus as well  as the furnisher of the account. 
I asked XXXX, transunion and XXXX  to block the account due to identity theft. 
XXXX  blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS 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 2015-07-04
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The collection company by the name of " MCM '' or " Midland Credit Management , Inc. '' has been threatening to sue me for debt that is way past my states statute of limitations. I wrote them a letter to stop harassing me or I would take further action. They ignored me and sent me another letter. I am now contacting the CFPB for their assistance to help me get these leeches away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
American Express phone application omitted many key elements of the terms and conditions when applying. 

1. They did not inform me of the balance transfer terms and limits while making the application. 

2. They could not tell me at what point in the application process that my credit was checked, so I had no way of knowing when to cancel the application. 

3. They could not tell me the amount of credit I was issued, however wanted me to transfer balances immediately. 

4. They attempted to charge me a XXXX % balance transfer fee when I called in, regardless of the sole purpose of the card is a XXXX % window for transfers within the first 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: World Acceptance Corporation
State: TX
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 I received a notification from the credit bureaus in regards to a unknown collection account from World Finance in the amount of {$880.00} I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. World Finance attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. World Finance reinserted this fraudulent account without my knowledge or validation XXXX XXXX, XXXX and has been reporting it on my credit file as of XX/XX/XXXX. Texas has a 4 yr statute on collections and we have entered year 6 with no validation. I have sued XXXX and won just in the past year and will sue again if this fraudulent account isnt deleted indefinitely. XXXX or World Finance has yet to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX XXXX XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted again XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!! This is hindering my home buying process and job hiring process. This is against the law and I will take legal action again if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have student loans through Fedloan Servicing. My account was in forbearance for a while and had to havr been renewed in  XXXX   2016. Co me  XXXX     2016, I was  checking my credit report and I had seen that  XXXX  accounts had been reported past due 90 days as of  XXXX   2016. I conta cted Fedloan Servicing immediately and asked them why it was showing  XXXX  accounts, 90 days past due. They told me my forebearance had needed to be renewed in  XXXX  and that it had not been. I asked them why they didnt contact me via mail or phone about this and they simply stated we do not mail letter, we have  XXXX  numbers automatically call you with an automated message. Since I do not typically answer phone numbers I do not know, I never recieved a call or a letter explaining it was late. Upon calling, they renewed my forbearance, effective  XXXX     2016. If  you do not know, you only have a limited time of forbearance and every month matters. So  I figu re ok, you 'll make the forbearance active a s of 2016 a nd everything will be good, WRONG! The next month it showed up as currently paying as agreed but still shows was 90 days past due. I called back and asked why was it showing 90 days past due on  XXXX  separate accounts? They told me they open a new account every time you start a semester and even though they prorated my deferment back to  XXXX , they REFUSED to correct the information on my credit report. I understand I have an obligation to repay my debts, but I also have a right to be notified if something is n't right. All that had to be done in  XXXX  is renew the forbearance. Despite many calls to this company, they have been rude, ignorant, and unwilling to help. Now my credit reports  XXXX  accounts were 90 days past due despite them prorating my limited forebearance back to  XXXX . Scammers! Stay away!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had an American Express XXXX card for many years. The traditional XXXX card does not have any interest or service charges if paid if full each month. I use the card daily for every day expenses and pay the card balance in full each month. Recently my husband and I remodeled our home and decided to defer some of those expenses by using the " Pay over time '' option of the card. Today I wanted to pay {$1000.00} directly to this portion of the card to reduce the balance that is being charged a finance charge. When I called AMEX to do that I was told that any payments are first applied to new charges ~~ which means it would be applied to charges already made but not yet on a statement to pay. Not allowing me to pay directly to this line of credit to reduce the amount being financed seems totally unfair and as a consumer very abusive. I asked for a supervisor and was told the same thing. The only way to pay off this balance is to basically not use the AMEX card so that all payments go directly to the pay over time portion, which is at 18 %... 
I filed a complaint with AMEX but expect no response from them. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation