BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: Comerica
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU  SO IM SUB MITTED WRITTEN COMPLAINT FORM AGANIST AND FINANCIAL BANK COMPANY THAT OFFER GOVERMENT BENEFITS CARDS THREW TH E US  DEPARTMENT OF TREASURY SO ASLO I CALL MY BANK CREDIT CARD COMPANY TODAY AND INFORM THEM ABOUT AND TRANSACTION FUNDS THAT WAS MISTAKEN OFFER MY DIRECT EXPRE SS MASTERCARD ACCOUNT 16 DIGIT  NUMBER SO ASLO I CAN PROVIDE THE TOLLFREE CUSTOMER NUMB ER I C ALL  XXXX   SO ASLO  WHEN I CALL CUSTOMER SERVICES DEPARTMENT ABOUT MY  MASTERCARD  ACCOUNT NUMBER THEY SAID THE ONLYWAY THEY CAN TELL ME WHERE MY FUNDS WAS MISPLACE OFFER MY CREDITCARD THEY WILL HAVE TO CLOSE  MY MASTERCARD ACCOUNT NUMBER AND START AND INVESITAGATION WILL TAKE 30- 60 DAY S FROM THE DISPUTE TRANSACTION DATE  XXXX / XXXX /  XXXX   WAS THE DATE THAT THE FUNDS WAS TRANSFER FROM MY MASTERCARD ACCOUNT NUMBER TO ANOTHER BANK CHECKING ACCOUNT SO THE SPOKE PERSON I TALK TO OVER THE PHONE IN DIRECT EXPRESS CUSTOMER SERVICES DEPARTMENT INFORM ME THAT THE FUNDS ARE  FDIC COVERAGE INSURANCE BUT THEY COULD NOT TELL ME WHERE MY FUNDS WENT EVEN KNOW THE COMPANY HAD ACCESS TO MY MASTERCARD ACCOUNT NUMBER SO I TOLD MY CREDIT CARD BANK COMPANY I DID NOT MAKE FALSE MONEY TRANSFER FROM MY GOVERMENT BENEFITS CARD SO THEY ASLO IMFORM ME THAT THEY COULD SEE THE CARD ACCOUNT TRANSACTION BUT COULD NOT TELL ME WHAT FUNDS THE COMPANY WAS PAY TOO WITHOUT MY CONSENT MAKING MY OWN TRANSACTION CARD ACCOUNT HISTORY SO THEY TOLD ME AT DIRECT EXPRESS MASTER CARD CUSTOMER SERVICES CENTER SOMEONE ELSE HAD ACCESS TO MY MASTER CARD ACCOUNT NUMBER WITHOUT ME KNOWING ITS SO THE BANK CREDIT CARD COMPANY FALIURE TO HONEST PROMISE CONSUMER CREDIT CHARGE BACK TO MY 16 DIGIT MASTERCARD ACCOUNT NUMBER SO I HAD TO CONTACT DIRECT EXPRESS CUSTOMER SERVICES DEPARTMENT 7 TIMES AND WAS STILL UNABLE TO RESOLV E DISPUTE WITH MY BANK CREDIT CARD COMPANY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX /2016,  XXXX ,  XXXX /2016,  XXXX , none just now looking at my credit report I had identity theft someone been using my social

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX 2017 I submitted a written request for validation of the debt under the Fair Debt Collection Practices Act. Specifically I requested the following required information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent Their response provided me only the information on their debt collection letters and my credit  report and non of the requested required information. At this time they are in violation of the FDCPA. I request they be ordered to stop all debt collection attempts and remove this item from further credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XX/XX/2018, I called XXXX XXXX XXXX XXXX about a reoccurring water leak from the upstairs bathroom. That same week I was given a 60 day notice to vacate the property. I moved out XXXX XXXX, paid all rents. XX/XX/2018, I received a letter and a stack of invoices for, new carpet, paint, linoleum, yard clean up, pluming totaling, XXXX. I had lived at the property for 9 years. Then I found out I had XXXX XXXX. I had XXXX and later received a bill from Pacific Credit services a collection agency in XXXX ca. I went to a mediator in XXXX Ca and XXXX XXXX told them that I caused too much damage, XXXX XXXX refused to talk to me. I am being sued for XXXX in Superior court. I answered the summons and Pacific Credit services sent me a copy of a request to the court to enter an entry of default and a court judgement against me. 
I feel that this is fraudulent collections and legal procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for   XXXX   ... there were  XXXX  accounts on my report for  XXXX  in which  XXXX  were deleted yet  XXXX  remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,   XXXX    XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today, I received an income execution from the  XXXX   County Sheriffs  Department dated  XXXX / XXXX / XXXX , indicating that my wages are going to be garnished for an original debt amount of :  XXXX   due to Chase Manhattan b ank with an original judgement date of :  XXXX / XXXX / XXXX .  <P/> It also added an additional {$5600.00} for interest, {$620.00} for  XXXX , {$40 .00} 1rst stage and $ {$30.00} for 2nd stage, fo r a total due of : {$13000.00} payable to  XXXX   XXXX   XXXX   XXXX .   Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago!   In addition, the interest on this debt seems exorbitant and unjustified.   This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: OH
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 have an account on my Experian report that is with XXXX XXXX. The account is listed as follows : Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner JOINT Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name  The account is also opened as a result of fraud. The account was opened while I was away XXXX XXXX. There was no way I could have opened the account. I was in XXXX  for the period the account was first opened. Please check the attached documents and remove the account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 148 DAYS SINCE I FILED A DISPUTE. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Experian Information Solutions Inc.
State: OH
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:
On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that a 7 yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXXXXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1400.00}.

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 non-monetary relief
Consumer complaint received 2021-04-24
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX BANK Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2020, I had paid off an XXXX XXXX which I was previously paying installments on through XXXX. I specifically remember chatting with a XXXX Customer Service Agent via online chat, and then I even spoke on the phone with the same agent toward the end of the transaction as I wanted to make absolutely sure that I was being assisted in paying ANY/ALL payments required in order to be relieved of my contract with XXXX, which I made very clear to the XXXX agent XXXX He instructed me of the total amount due, and even ended up assisting me with getting the cell phone set up on a cheaper, prepaid service plan after the phone was deemed unlocked. I happened to save the chat transcripts between the agent and I on that specific evening, in preparation of an event like what I have been experiencing for the past year & a half. 
For some reason, these debt collection agencies have been contacting me claiming that I owe XXXX near {$300.00} which is simply false and not possible. This is very frustrating because it has definitely impacted my credit score, as well as the fact that this is not even something which i should be having to spend any more of my time on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CitiBank has closed my account without reason sinceXX/XX/XXXX to date, XX/XX/XXXX I have not received my account balance since closure.

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 2019-12-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A few days ago I submitted a complaint about synchrony bank/care credit. Ive been having nothing but problems with this bank. Now I just received a letter stating they are decreasing my credit line. My credit line was originally {$4800.00} now they decreased it to {$1800.00} and the reasons they give for doing this are all untrue. The account is NOT late nor has it ever been late. I have highlighted all the reasons they gave for decreasing the credit line. I am uploading the letter.

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 2017-06-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a second mortgage that was supposed to be paid to XXXX XXXX, n/k/a Select Portfolio Servicing ( SPS ) on XX/XX/XXXX.. SPS has records of transactions recorded after loan was paid by us on XX/XX/XXXX, and received by SPS on that date. However, the payoff as received by SPS was recorded as a different dollar amount than by us, and received on XX/XX/XXXX - a day late than the check was stamped received, and with transactions and fees occurring on the account for nearly two years after our XX/XX/XXXX payoff. SPS claims payoff was not received until XX/XX/XXXX. That is incorrect, as the payoff check is stamped as received by SPS ( f//k/a ) as XXXX onXX/XX/XXXX-- the date required for payoff, by payoff quote, to be received by. Further, transactions occurred after that date - including Broker Price Opinions, Foreclosure related fees, and forced placed insurance. We have requested from SPS that they  provide the name of the party that " paid out '' on the loan - prior to receipt of our payoff, received by them, on XX/XX/XXXX SPS has refused to identify the name of the entity or insurance company that " paid out '' on the loan, and by which our payment was diverted, not recorded as paid by us, and with fees accumulating on the account. Further, no accurate/valid discharge was ever recorded in our County Registrar 's office. All SPS can tell us is that someone paid out on the loan, and will not tell us who. We have no idea where the money went, and we request a full investigation, and accounting, as required under Dodd Frank new law - including changes to RESPA. SPS recorded an assignment and discharge in XX/XX/XXXX, in our County -- on behalf of XXXX XXXX XXXX XXXX, as trustee to a trust. - XXXX XXXX XXXX XXXX has no record of us or the loan. No Power of Attorney is recorded in our County -- our state requires an original Power of Attorney to be recorded. Thus, SPS is still acting as servicer, and we have requested numerous times as to the accounting of the records, and the reason why SPS still has records in possession, by which they filed a VOID assignment and discharge in our County Registrar 's office as recent asXX/XX/XXXXWe request an immediate accounting and response, under RESPA, and believe SPS will comply with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: BARCLAYS BANK DELAWARE
State: IL
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:
While XXXX last fall, I applied for and received the barclaycard Luxury Gold card. The bank waived the {$990.00} Annual Fee. However since returning from XXXX I have received 2 notices from barclaycard indicating they will no longer waive the Annual Fee. I wanted to understand if this legitimate. When I signed up for the card, barclaycard said they would waive the fee for the duration of my time on XXXX? Are they allowed to change that policy mid-stream? I still ( hopefully ) have several years on XXXX XXXX and would still appreciate access to the many benefits, as well as 0 % APR made available through this card. I appreciate your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation