BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: MS
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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2019-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
: I have recently been informed again that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$260.00}, {$530.00}, {$64.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a full time resident of XXXX Ohio and was charged on Macy 's XXXX XXXX card for purchases i neither authorized or knew anything about. In addition these charges took place in XXXX XXXX XXXX, New York. I have never been to this state and have proof of purchases made on my personal debit card in Ohio while these transactions were taking place. When I noticed the discrepancy, I contacted my credit card company right away to file a dispute. In response, they mailed me a copy of a signature that does not match mine from a store that i have never been to. The transactions I disputed and am still disputing were in the amounts of {$210.00} and {$190.00}. I have paid the remaining balance on my credit card that i was responsible for but I refuse to pay for purchases that were not made by me. There should be video security footage from the store that shows the purchase was not made by me and I am willing to send a picture to prove that as well. I will be filing a police report since my dispute was not resolved and am filing a report with you as well. I also intend to escalate my dispute with the credit card company directly. I am hoping someone can help me since I was never in New York and did not authorize the purchase of any men 's shoes Do not get a credit card with Macy 's or XXXX XXXX because they do not take fraud seriously.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; .The account : XXXX XXXX Balance Owed : {$11000.00}.

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 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to make payments for my student loans to Aidvantage.com and they are continually reversed. The last payment to be accepted was on XX/XX/. 

I have attempted to make an autopayment on XX/XX/XXXX  for {$280.00}. I also attempted to make a payment for {$1000.00} on XX/XX/XXXX  and another payment for {$1000.00} on XX/XX/. These three payments have all been reversed and the interest continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I saw a late payment on my credit report from XXXX XXXX XXXX that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. This is reporting correctly on my XXXX, but not reporting correctly on XXXX and Experian. 

From the picture attached, one can see that XXXX is reporting multiple different account numbers, with incorrect account statuses. 

I demand this be updated to paid as agreed, never late, on time on all 3 credit reporting agencies as this is holding me back from being able to advance in my life.

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 2021-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX  placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
AidVantage, my loan servicer, has placed my federal student loans into " Administrative Forbearance '' without my consent or permission. I am accruing interest on the balances during this forbearance that I did not apply for. Typically, during an administrative forbearance, interest rates are set to 0 % and loans would not accrue interest, however, my loans are accruing interest. 

I did not request nor provide permission for AidVantage to put my loans into an Administrative Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting XXXX of this year, I got a alert on all 3 credit bureaus that I have a new collection from this fraudulent company. I looked up this company to inquire & was immediately verbally harassed & hung up on for trying to gather information on this collection. Ive never had a collection or unpaid anything IN MY LIFE & it is ruining my credit as of XX/XX/2023. Ive dispute w/ all 3 credit bureaus and only XXXX confirmed to me that this debt isnt even under my name or social security! Complete Fraudsters taking advantage of hard working citizens for profit. As a young armed forces veteran I expect better care but respect & honor only goes so far for many. I want this collection removed indefinitely, Ive tried contacting multiple times over the last few months & constantly I get harassed & verbally abused & hung up when I try to get receipts or concrete info detailing anything! Please, by XXXX help me get rid of these hasslers off my credit. Blessings

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 2023-10-19
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/2023 I received an invoice from a client for my consultation company. This was a contracted invoice, and was for the purpose providing consultation support to the client. I processed this via square, which had previously been set up, verified and approved. Only once I received the invoice, square then seized my funds, requested I reverify my identity which I did correctly and then proceeded to send me an email saying I was permanently locked out of square. They provided no reason, no cause and when I called support the support team could not find a reason either. Researching online, I have found this has happened to many many individuals and many of them still have not received their funds despite providing verification and all the proof requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I discovered I could not perform any transactions to my PayPal account. I received a message that the account was under some court legal restriction. I have not received any court papers from any company. I do not owe any lawyer or company. I requested to close this account due to my past history with ID tax theft which cause a spiral of identity theft to my banking, tax and credit report. I would like for this account to be closed as soon as possible for fear of future damage and fraud. On XX/XX/2021 I spoke to PayPal concerning this issue and the fraud and Id Theft concerns but without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management, this company has an account on my credit report and I have no responsibilities to this company. I do not have an account with this company and without any notices, this company placed negative marks on my credit report. I do not know this company and never had any business with this company. 
Amount : {$530.00} Date : update XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
shopped in gap end of last XX/XX/XXXX than in XXXX I left the country. 
While I was in XXXX, country lockdown due to covid_19 on XXXX XX/XX/XXXX I was stuck in XXXX 8 month. 
Finally, I was able to come back to the XXXX on XXXX XX/XX/XXXX Soon as I saw the bill from Gap, I called them and explained to them about the situation I was in due to covid_19. then I send them a check and nice later again explaining my situation and I ask them to forgive the intrust money they have added in. after all my payment was let because I was stuck in XXXX. 

After that, I thought my case is resolved, but the phone call continued for a debt collection agency. finally, I spoke with the lady in the Synchrony bank explain to her everything I want true and I made the payment directly to the Gap. She was cooperative and understanding I thought the case is resolved, but no, I just find out your company has scrod up my credit score and thats not a kind act at this point. 

Please check all my document I am sending you and close down my Account so my credit score can go to normal again.

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 2021-01-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
as stated before, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The items do not belong to 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 explanation
Consumer complaint received 2021-01-15
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: Information belongs to someone else

Complaint:
I was examining my credit report and I saw some accounts that are being listed on my credit file but are false. I do not have any debt with these companies and have no knowledge of these accounts. I believe they are fraudulent or there is an error in their system. Please investigate this issue because it is stopping me from gaining any new credit. These accounts are not mine.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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