BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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: Personal information incorrect

Complaint:
^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the XXXX dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX, IL 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 2024-01-09
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I ordered 200 boxes of XXXX XXXX XXXX XXXX XXXX XXXX from a website XXXXXXXX XXXX and an individual named XXXX promised to have the items delivered within 3 weeks. The amount I paid was {$880.00}. He provided a tracking # and a receipt that it was sent via XXXX XXXX. However, I have been trying to check for shipment updates on the XXXX website and the website is down and not working. I tried to contact him via email and emails are bouncing back. I have NEVER received the ordered items and I have filed a complaint with XXXX and Barclay credit card as I was told to do so. I have been scammed and I have requested my money back. Barclay credit card company customer service kept denying my claim for no reason. The merchant provided some " nonsense '' documents and Barkley customer service hasn't even looked at the documents that the merchant provided. Have they looked at the documents they would see that the documents are fraudulent. There was no tracking number, there is no shipping company with such a name as XXXX XXXX. The website of that company never existed. I have requested a refund from Barclay 's however they keep denying it for no specific reason. I would like to report unacceptable Barclay practices and I would like to have my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I opened new Key Select Checking and Saving Accounts with Key Bank. Banker applied bonus codes for both Checking and Saving Accounts. After several days, I was contacted by the banker that they applied the wrong bonus code for Checking Account and they closed and opened a new Checking Account with the correct bonus code applied. 

They confirmed via email that I should get new account bonus for both Checking and Saving Accounts. 

Recently, when I contacted Key Bank to ask about new account bonus ( {$300.00} ) for Saving Account, they just found excuse to not give me new account bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: MT
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  XXXX Date opened XXXX XXXX, 2022 XXXX {$4400.00}

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 2023-09-24
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. I have never had an account with the company and I only found out about it because it showed up on my credit report as a collection.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting 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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/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 2023-09-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
we have a small business account with td bank, Noticed a fraudulent checks been cashed not issued by us on XX/XX/23 for the dollar amount {$980.00}. They cashed a total of XXXX checks at XXXX different locations in XXXXXXXX XXXX, XXXX and XXXX XXXX. All checks were written and deposit by XXXX XXXX XXXX each checks for {$980.00}. I reported to my located bank and still having any resolution from the bank. I want to report to the federal goverment. 

please help us capture and stop the criminals behind these scams. 

thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name : NAVY FCU Account Number : XXXX, Account Name : XXXX XXXX XXXX Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 submitted information regarding my identity theft, Ive also request a block on my credit report TransUnion have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts from 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 2023-09-06
Company: Maximus Education, LLC dba Aidvantage
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX/XXXX/2023, I was notified by email that my XXXX credit file had a new Hard inquiry from JPMCB in reference to a new credit card application. I did not initiate any such application. I contacted XXXX first and disputed the item. They filed my dispute and directed me to contact this website as well as the Creditor, JPMCB. I called JPMCB, verified my identity and reported the fraudulent activity. They accepted my dispute and will take actions to remove the inquiry. I am reporting the fraudulent inquiry here to further document this criminal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I processed a large payment of {$18000.00} through my online banking service ( XXXX XXXX  ) to pay off our credit card bill. I inadvertently sent the payment to another credit card company ( Chase Card Services ) which was my old XXXX Visa card that I had not used since XXXX. 

On XX/XX/XXXX, I realized the error I made and contact my bank ( XXXX ) who stated that the payment had already been processed by Chase and deposited into their JPMorgan account and that I needed to contact Chase to obtain the refund. 

On XX/XX/XXXX, I contacted XXXX at Chase XXXX and explained to him what occurred. He stated he would submit an inquiry using my old XXXX account and the inquiry would be completed within 14 days. 

On XX/XX/XXXX I contacted Chase for a follow up and spoke first with XXXX who stated that my record showed that there was an inquiry but there was no overpayment posted to my old account. She advised me to contact Chase customer service and gave me XXXX. I called that number which stated that that number is no longer in use and to call XXXX which tell you to call XXXX. 

I have a copy of the check that XXXX sent to Chase Card Services and the account number to which JPMorgan the holding company for Chase deposited the {$18000.00} into. 

I made an error and should have sent that amount of money via personal check rather than online and making the error. However, Chase/JPMorgan should be able to identify within 14 days why they can not post {$18000.00} to an account that has been closed and return the check as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 Creditor : XXXX XXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold to a LVNV Funding LLC with the Resurgent Capital Services and I am no longer responsible for the account. Debt collection agent has threaten me to pay and without my knowledge of legal rights. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer on two accounts and I am requesting legal action on both accounts to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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:
This not a duplicate request. This is not made in error. I do not consent to e-Oscar verification. Please see attached document for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Upgrade, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: NJ
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2023-01-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2023 XXXX  Reporting these individuals for unprofessional activities in settling my account since I left the XXXX XXXX, Washington. 

XXXX??? asking for my SS over the phone on the last Saturday of XXXX Also, XX/XX/XXXX, XXXX call came in at XXXX and I was informed she was XXXX go close my continous on going MAJOR ISSUSES because Wells Fargo continues the existing fraudulent banking activities. 
Why was I asked by the individual that new accounts under my name exist in XXXX? How many accounts were opened XXXX. I have a right to know. 
That Wells Fargo female employeee never informed me. 


$ $ Since you never ask for or give your SS over the phone in resolving my complaints of the related issues of my identity which, I have legally established in Wells Fargo XXXX. $ $ I went into a branch XXXX XXXX XXXX XXXX ... ... SHE IS VERY UNPROFESSIONAL and would not help me, because she didn't want to go into my box of documents WELLS FARGO has sent me to verify the any documents on the time clock while she is employed at WELLS FARGO! I was the only PERSON IN THE BANK! HER CONCERN WAS EATING LUNCH! And removing me because I was going to bring my documenta into the branch, which I HAVE A RIGHT TO! 

I NEVER ASKED THIS WOMAN TO GO INTO MY DOCUMENT BOXES!!! 
WHY IS SHE WORRIED ABOUT HER LUNCH? 
XXXX XXXX ACCUSED ME FALSELY WHEN THIS IS REQUESTED BY WELLS FARGO and the FEDERAL GOVERNMANT? PLEASE NOTE HER FACIAL JESTURES AND HER IMMATURE CUTESY UNPROFESSIONAL BODY MOVEMENTS WITH SMILES TO ANOTHER BANKER ARE UNWANTED AND IS HER FORM OF HARASSMENT OF A CUSTOMER WITH DIAGNOISED XXXX  IS AGAINST THE LAW! 
HOPEFULLY THIS ILLEGAL ACTIVITY NEEDS TO BE REPORTED TO THE CONSUMER FINANCE COMPLAINTS REGARDING HER HARASSING ARGUMENTITIVE AND LACK OF MANAGEMENT HELP. 

While in the bank a XXXX Supervisor called while I was there discussing I would bring in my legal box, because XXXX still to this date XX/XX/2023 hasnt resolved any issues. 

XXXX XXXX XXXX. in XXXX agrees with me. CALLED XXXX PLEASE INVESTIGATE THE XXXX SETTLEMENT ... ... XXXX never closed any accounts and per this legal documentt by the AAA dated XXXX XXXX. I HAVE A LEGAL RIGHT TO RECEIVE MY CASH SETTLEMENT. 

Once again I was involved in the WELLS FARGO Fraudulent and as I have expressed for years on end PLEASE STOP COVERING UP THE EVIDENCE THAT I HAVE SUPPLIED TO 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 2020-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX i found a summons to appear in count from Portfolio Recovery Associates on the outside of my fence on the ground, the date on the Summons is XX/XX/XXXX, the Attorneys for Portfolio Recovery Associates who's address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA, XXXX is the same address as Portfolio which seemed fake to me, so i went to the Court ( XXXX XXXX Justice Court ) to see if this was real and they confirmed that it was real, so i paid {$60.00} dollars which i did not have to spare to answer this summons, Portfolio Recovery is claiming i owe them {$2600.00} for a XXXX XXXX XXXX XXXX XXXX, in the Summons Portfolio claims " they took an assignment of the account in good faith, for value and in the regular coarse of business. '' in this Summons Portfolio shows no evidence of a contractual agreement, no paper trail of amounts such as purchases, late fees attorney fees, interest etc, I believe Portfolio bought this debt for XXXX on the dollar and thought they could intimidate me with this law suite to win by default hoping i wound not respond, in XXXX i was diagnosed with non curable XXXX XXXX and after 6 months put on XXXX XXXX   XXXX with the State of Arizona so i still have no money and have nothing to give these intimidating THIEFS, i am afraid to contact Portfolio Recovery Associates since i filed my Summons answer to ask them to send me proof of documentation because i dont want to say the wrong thing and incriminate myself, Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: AR
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:
The following were removed previous from Equifax. I previous contacted the creditor on removing the inquiry. They reported that they sent letters to remove XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation