BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: DISCOVER BANK
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Discover whom I have been a great customer with them. Discover denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and work with XXXX XXXX XXXX and XXXX. I am a XXXX and XXXX XXXX XXXX as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Discover said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Netspend Corporation
State: OH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received notification that NetSpend had created an unsolicited XXXX XXXX XXXX from XXXX, XXXX. XXXX  in my name and sent it to me through the USPS. The account creation was complete with a routing number and bank account number. They mailed the card to me indicating it was ready to activate. This was unbelievably insecure and irresponsible, particularly knowing how the mail has been compromised.

I have attached a copy of the literature they sent with the card. This copy is redacted. I also have a copy of all the literature including the card they sent in case evidence is required that includes the actual account number. I requested they cancel the account and card and that they never contact me or anyone at my address again. I also requested they remove ALL of my information from their systems except for this notice and my address.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-11-04
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting 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:
I recently reviewed my credit report and noticed there are a couple hard inquiries from a loan institution. I have never applied for a loan but my credit report reflects that I have multiple times. I reached out to the company and they told me to contact the credit bureau and file for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-04
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Oac collection specialist, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts of {$160.00}, {$160.00}, {$230.00} & {$340.00} with  XXXX ,  XXXX , &  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. Bankruptcy XXXX XXXXdismissed Reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much

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 2023-07-16
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For a few years I have been disputing the same collections account from several different collection agencies for debt XXXX says that I owe, but is not accurate. I won the dispute the first few times from all three credit bureaus, but the debt keeps getting updated by different collection agencies, now, two different collection agencies appear on my credit report. The collection agency on XXXX is Enhanced Recovery Company and says the account was opened on XXXX, but I didn't receive any notice until XX/XX/2023 when my credit scores changed, before this account updated the collection agency was XXXX XXXX and I disputed it last year, finally in XX/XX/2023 it was taken off only to be replaced by Enhanced Recovery Company in XX/XX/2023. XXXX XXXX is reported on XXXX, so I have two different collection agencies reporting the same debt that has been disputed several times, but still keeps on coming back and shouldn't. XXXX so far has not reported this debt since the last time I won the dispute. This account from XXXX was closed almost 4 years ago and because of how my account was treated the customer service rep at the time said I do not owe a balance, I had spoken with other reps that said otherwise, but this company is only going to share favorable info, but they do have a recorded conversation between me and the customer service rep that closed the account at the time. I have good credit and pay my bills, if I owed this debt and the XXXX was fair in their judgement I would've paid this debt back then, at this point it is just wasting time. How can I resolve this so the debt does not keep on coming back on my credit report? I need your help to the resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company named below has been reporting to the Bureaus that I've had a CHARGED OFF ACCOUNTFIXED RATE since XX/XX/2018. The account shows a joint account ownership. I've even gone in person to find out, and report this fraudulent activity to them, and they refuse to produce any evidence, or documents, etc. 
Their information is listed below. 

AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally financial initially double reported negative information on my reports. I had a lease that I had surrendered and I looked at my credit reports some time after and saw the lease, it was correct. Some late payments but was reported as satisfied and paid in full. Then there was another item from ally stating that I owed XXXX. So I disputed the later being I have no clue what the XXXX account was, what they stated why I owed and their initial response was stating end of lease termination and deleted the account I was aware of and kept the one not belonging to me affecting my credit report with two items that were negative and falsely stating I owed XXXX dollars. My credit was adversely effected by this, lowering my scores. I kept disputing and finally it was removed from one of my reports but remains on others. I have no clue what this debt is. End of lease means nothing to me. I wasnt told at the time of leasing it that I would have a final payment. I was never notified of any charges owed. This has cost me credit and money due it resulting in lower scores and higher rates

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 2020-03-31
Company: EQUIFAX, INC.
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:
To whom It may concern, On XX/XX/XXXX I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XX/XX/XXXX-XX/XX/XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently opened a high yield savings account with Citibank using an online application after seeing it advertised on the Citibank website while managing my Citibank Visa which I have had for many years through Costco. This was the second time I attempted to set up a a savings account with Citibank. The first time was in XXXX of this year and I had an issue receiving mail at my physical address as we didnt have a mailbox and only a XXXX XXXX XXXX That account was flagged and not opened because that issue. The second time, I was able to get the account opened as I could receive mail at my physical address. After waiting a while, receiving several emails requesting I fund the account, and receiving a debit card, I funded the account by transferring funds through the Citibank app from my credit union account into the new savings account. The first amount I transferred on XX/XX/23 was {$1000.00}. I then initiated another transfer earlier this week in the amount of {$100000.00}. Yesterday I attempted to log into my account on the Citibank app and was told my access was denied and given a number to call. I called the number and got transferred to the security department. The person in that department said that my account was closed permanently due to a VPN issue ( which I dont understand ) and I would not be able to ever open an account with them. I got no other explanation and when I asked when they would transfer my money back to my credit union, they informed me that they wouldnt deal with me and that I had to call my credit union and have them deal with it bank to bank. I was told my credit union would need to call XXXX and choose option XXXX. They would also need to file a Hold Harmless to get the funds returned. When I called my credit union they said they had never heard of such a thing. I was told by my credit union the funds were transferred through Citibank and they had no way of stopping the {$10000.00}. XXXX transfer from earlier in the week. I have not heard back from my credit union. I dont know what to do as Citibank wont talk to me. Please help! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CL Holdings LLC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
According to my XXXX  and XXXX  Report the creditor is saying I owe {$14000.00} for an account they are saying was opened on XX/XX/2019 from XXXX  ( according to their notes ). However,  the creditor is unable to verify the debt or provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Orions Management Group, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Orion Group first called me the summer of XXXX. I do not recognize the debt, and asked for validation of the debt in writing. I havent received anything. They continued to call and I again, asked for anything written with my signature of authorization of any kind. I then asked for all communication to be in writing and not to call me again. They have not complied. They called several times after and when I spoke to the supervisor I told them only written communication because I could tell at this point its a possible scam. They called my work number and then today ( XX/XX/XXXX ), they called again. I AGAIN asked for validation of the debt ( still have never received anything ), and was told to SHUT UP. I was going to be on house arrest. Im getting sued, etc. XXXX XXXX continued so speak over me, telling me Im just refusing the debt, etc. He also said Im being sued as soon as this pandemic stuff is over with. 

I am not refusing any debt, I do not recognize it. I kept telling him he was not to call me, I have said that repeatedly, and they are not complying. I looked up their number and everyones name is XXXX XXXX and they use threatening and abusive language. They are blatantly breaking federal laws and this should not be tolerated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XXXX XXXX 2017 I recieved an alert from my experian credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!

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 2023-09-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Having an awful experience with Wells Fargo Support, i filed a fraud claim against XXXX  on 3 transactions totaling {$900.00}. my claim was denied and im at a loss for words here, the XXXX  account isnt even my name, it literally says " XXXX XXXX '' and i reported the transactions as soon as i realized them. i dont know what else to do but file A CFPB report. Their fraud department isnt doing me any justice so i have no choice. i should be covered by Regulation E for these types of things. 

The claim number 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 2019-08-14
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PMAB contacted me about an alleged debt which is medical dated XX/XX/2019. I asked the company to validate the debt to which they sent an itemized statement dated XX/XX/2019. I responded to PMAB to ask first of all how did they get ANY of my information from XXXX XXXX? I never signed a HIPPA release form, so how did PMAB receive any information about me true or false how does this company know me? I have since asked PMAB to provide me with a contract with my signature that shows I have or had agreed to enter into a contract with a third party concerning my private health info.

Company response to consumer: Closed with explanation