BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I got a alert on my credit report about a new account opened by Midwest Recovery Systems. I have never heard of this company nor have done business with them! Upon calling XXXX I found out this company is a collection agency. This company never contacted me to inform about a debt, where or what its from, or to give me an opportunity to dispute this debt. I dont know any information about this debt. This company has never made an attempt to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 came to learned of XXXX XXXX  XXXX XXXX account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within XXXX business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person XXXX XXXX XXXX who committed the fraud but XXXX XXXXXXXX XXXX made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit 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 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I HAVE 2NDING XXXX CREDIT CARDS PAST DUE AND I NEED TO SETTLE BOTH ACCOUNT ENDING XXXX AND XXXX, ONE ACCOUNT HAD SINCE XX/XX/2009. 
THE TOTAL OWED ARE $ XXXX SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: MD
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 been dealing with XXXX since XXXX XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XXXX/XXXX/XXXX asking then to remove inaccurate information in which XXXX came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XXXX/XXXX/XXXX asking if XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XXXX/XXXX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: NY
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 came to learned of XXXX XXXX  XXXX XXXX account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number XXXX  XXXX to show that my complaint was logged this time. I was also told that they will contact me within XXXX business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person XXXX XXXX XXXX  who committed the fraud but XXXX XXXX XXXX made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Allied interstate is sending me billing letters for {$570.00} A already paid account to XXXX XXXX XXXX account ending in # XXXX.I have asked for verification of the account I got no respond and sent a XXXX to include this collector in the event of XX/XX/2018 with XXXX XXXX XXXX and any other company attached to this XXXX XXXX account number ending in # XXXX allied interstate is trying to get paid for account not owed.

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 2017-07-01
Company: Experian Information Solutions Inc.
State: ID
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 have contacted Experian several times, faxed written requests, copies of my drivers license, social security card, and utility bills as they have requested. I 've also contacted Experian via phone to discuss the fact that the addresses and names they are reporting on my credit is inaccurate. I 've placed a fraud alert on my credit and was told that the incorrect names and addresses would be removed from my credit report. As per the credit report from Experian on  XXXX   XXXX ,  2017  ; incorrect names and incorrect addresses are being reported on my credit report by Experian.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pacifically sent several dispute letters to Experian about this problem.this debt does not belong to me. They sent back a verification letters saying it belongs to me which is not true.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On XXXX occasions on XX/XX/2021 and XXXX I sent certified mail a letter to Transunion, XXXX and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and additionally I am to grant permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost 9 months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the 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 2021-07-21
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony Financial issues a XXXX XXXX XXXX Credit card. With this card, you earn rewards in the form of XXXX Dollars that you can use to satisfy a XXXX XXXX or to acquire XXXX products. I have been a cardholder since very early in the history of the XXXX XXXX XXXX. Recently, due to known and shared technical issues, Synchrony tracks the XXXX Dollars earned BUT it is NOT posting this information on its own Mobile Application or transferring the information to XXXX. The net-effect of this is that the XXXX Dollars earned XXXX NOT be accessed or utilized. And, if you miss a XXXX billing cycle, you end up not being able to use the Reward Dollars to pay that invoice. 

This happened a few months ago. I reported it, complained about, and the situation was fixed. BUT it took a huge effort. NOW, it is happening again. My paper XXXX PDF XXXX statement accessible on the XXXX XXXX website indicates that I earned {$150.00} Reward Dollars through XX/XX/2021. HOWEVER, the XXXX and XXXX applications indicate XXXX XXXX ZERO XXXX  XXXX Dollars. I am attaching screenshots that show all of this. 

XXXX has to know about this and by NOT fixing it or failing to make sure it works XXXX knowing there were historical problems XXXX  it is undermining the very purpose for using the XXXX XXXX card. Essentially, the XXXX Dollars earned are being held XXXX and made so cardholders like me can not access the very benefits that were earned. 

The fundamental purpose for the Visa Card is, therefore, being undermined and rendering inoperative.

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 2019-07-17
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone calls for closed credit card account. Explained to the person credit card account is more than 10 years old and this account is closed about 2 yeas ago.

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 2019-01-16
Company: PLS GROUP, INC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/19 I was going to cash a check but was told to come back at XXXX so that the manager could call up the company to verify check. The check was from a legitament life insurance company. So I came back at XXXX. The manager took check could not get through to company but cashed it anyway. I had to checks one for {$100.00} and was charged {$5.00}. The other check was for {$70.00} and I was charged {$3.00}. Due to the fact that I was in a hardship and needed every penny I called up the corporate office in XXXX, Ill and spoke to a customer service representative and was informed that the fee is {$3.00} for {$300.00} or less. I then called the corporate office to file a complaint and spoke to a customer care representative and she informed me that it will take 3 business days for a manager or  leader to get back with me.

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 2017-10-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX XXXX FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX CO, XXXX CARD, XXXX XXXX/XXXX, XXXX CO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX , XXXX , XXXX XXXX, XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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 updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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 updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: AMA Advisors, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I received a call from a Mortgage Loan Originator, XXXX XXXX, from XXXX XXXX XXXX, in XXXX, NJ, regarding my online inquiry. After speaking for a few minutes, asking what their current rates were and letting XXXX know I just started to shop around with different lenders to refinance and shared what another lender was offering my wife and I to see if Homebridge rates would be comparable, he began telling me to watch out for brokers. I explained the quote I received was from a lender, not a broker. XXXX seemed to be combative and focused more on telling what I should or shouldn't do, rather than what he can do for my wife and I. I explained the quote I received was in writing as he was implying the person who gave me the quote, was deceitful. I stated my wife and I may give them a try. XXXX then, in a snarky tone said, " Good luck with that, '' and abruptly hung up on me. His last words were not genuine, but clearly dismissive. We were not mutually ending the phone conversation, nor was it done in the typical universal way two people hang up. I never got to say thank you for calling me back, or be well. 

Minutes after he hung up on me, I emailed XXXX and told him how rude and unprofessional he was and that I'd definitely be taking my business elsewhere. He replied back via email with continued rudeness and arrogance, coupled with a misrepresentation of the facts regarding our phone conversation. I never stated I didn't want to apply online to refinance. He lied in saying we were mutually ending our phone conversation when that was not true. He abruptly hung up the moment he felt we might not work together. 

I contacted Homebridge via their website to inform them of my experience and was told, XXXX XXXX, the Divisional Vice President, would reach out to me to discuss my concerns. He never did. It seems this unprofessionalism starts at the top, which would make sense as to how someone in XXXX 's position would not hesitate to handle a potential customer ( or anyone for that matter, even if he felt I was not going to give him my business ) the way he did. What makes it more shocking is the fact that XXXX is a Branch Manager. 

I have attached all email correspondence. You can see how unprofessional and arrogant this employee is solely based on what he told an employee within Homebridge, from the Customer Commitment Department. These types of verbal attacks against those who are not clients of Homebridge, seem to be common place for XXXX to speak freely like this to an employee, who is supposed to handle grievances with the company. 

On XX/XX/2020, I followed up with Homebridge and expressed how it is evident that the poor customer service with Homebridge runs from the top down, since XXXX XXXX never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX/XXXX is reporting that I was 90 days late on my student loans in XXXX  2011. I have mailed letters and have contacted XXXX XXXX XXXX XXXX/XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that XXXX XXXX XXXX XXXX/XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. XXXX XXXX XXXX XXXX/XXXX  do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the XXXX XXXX XXXX XXXX/XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.

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