BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I had an account alert on XXXX XXXX for an account in collections, the first time I ever heard of this account. Upon investigation, the account was originally opened on XXXX in XXXX of XXXX, utilizing XXXX XXXX, however, I never opened an account with them. The account was in collections since XX/XX/XXXX for the amount of {$3200.00}. I contacted the collection agency that was listed on my credit report which is Spring Oaks Capital LLC, XXXX XXXX XXXX, XXXX, VA XXXX. The person who opened the account had my birthdate, social security number and full name, so they were able to open the account under my name. However, the contact information Spring Oaks provided me belonging to the criminal, including a cell phone number and the address XXXX XXXX XXXX XXXX XXXX NY XXXX ( where the items purchased were delivered to ) is not mine, nor have I ever resided there or utilized the phone number or email address they had on file. So I submitted a dispute with them, providing documentation from the FTC, a police complaint number, and a copy of the fraudulent account on my credit report. The dispute unfortunately has been returned and states the company finds the information to be accurate, but I don't see how when this information does not belong to me. I have since contacted them to find out a detailed report of how this account was investigated, however, they now state they sold the account back to the original creditors, XXXX XXXX, but representatives at XXXX deny that and send me back to Spring Oaks. So I can no longer contact anyone regarding this fraudulent activity that is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}

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 2023-02-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NEW UPDATE! 

NOTICE REGARDING FAILURE TO PROVIDE SIGNED CONTRACT TO LAWFULLY VERIFY AND VALIDATE ALLEGED DEBT. 

On XX/XX/23 I submitted a NOTICE of DISPUTE regarding alleged debt that ACCOUNT RESOLUTION SERVICES is claiming I may owe. In that Notice of Dispute I stated as a consumer a federally protected consumer under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, the Gramm Leach Bliley Act and that I have the right to privacy. I also requested a signed contract between both parties myself and ACCOUNT RESOLUTION SERVICES to lawfully verify and validate any contracual agreement between myself and ACCOUNT RESOLUTION SERVICES. See Exhibit A PLEASE note that I did not receive any documentation or material facts regarding any claim. If you are engaging in in ANY deceptive or misrepresentation or False claim you are in Violation under the Fair Debt Collection Practices Act. 

If you continue to engage in any unlawful, deceptive, Identity Theft, extortion, FRAUD or Racketeering activites i will seek legal action against you. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Got a letter stating i owed a cell bill. I contacted XXXX and notified them i did not own this phone and this was part of ID theft. A short time later I received yet another bill from XXXX. I contacted them yet again to let them know that this was a fraudulent account. They ( XXXX ) told me i would have to obtain a police report which I did. Detective XXXX XXXX from the XXXX TN Police Dept., sent XXXX the copy of the police report. Sometime after that the fraudulent account was handed over to a collection agency in my name and put on my credit report. I have been fighting this going on several years now with no resolution to this matter. 4 years later I am still actively trying to get this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: DISCOVER BANK
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 tried so many times to pay this credit card and everytime they add to what I owe. I have been paying them consistently enough to cover my interest and they add extra fees for no reason. This is the second time Ive had this issue with them. I want to pay them off but Im afraid they will claim my money was not in the bank and then im out {$1500.00} because they dont want to give my money back but wont put the correct balance on the account. If this complaint isnt taken seriously, I will be going to the Better Business Bureau and if it still isnt taken seriously, then further action will have to be taken. 

I will include the dates and amounts that I can and the rest I will show documented screenshots from my account. 

I had paid my account down to {$1400.00} and now they pushed it back up to XXXX. Apparently it was at XXXX but I pay consistently so they took it down. Either way the balance is incorrect. 

XX/XX/22 {$16.00} XX/XX/22 {$18.00} XX/XX/22 {$7.00} XX/XX/22 {$20.00} XX/XX/22 {$37.00} XX/XX/22 {$26.00} XX/XX/22 {$56.00} I included another document of a payment I made to them of {$100.00} ( when I created my first complaint on this site ) and more money in the past that Ive paid to them between them and now that they claim was sent back to my bank or that it was never in my account but it definitely posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Have troubles submitting this dispute for fraud accounts 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 2020-08-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XX/XX/XXXX I received a letter indicating that the Home Depot XXXX card had been overpaid {$540.00} probably 11 years ago when I last used the card. 
I called the company and asked that any overpayment be refunded. The refund was made. 

In XX/XX/XXXX I received a statement saying that I made a purchase of items that I was delinquent on. I have never used the card in 11 years and Citibank admits no purchase or other use has been made in those 11 years. 

I complained to their fraud department, legal department and consumer complaint department at the administrating Citibank. 
Now they have begun to call me as if I owe them money plus interest and when I ask them to investigate they have no explanation.

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 2022-12-19
Company: EQUIFAX, INC.
State: OK
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:
Have troubles submitting this dispute for fraud accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian credit bureau is reporting me late for XXXX, XXXX, XXXX and XXXX of XXXX for XXXX XXXX. Account was closed XX/XX/2020. I spoke with XXXX XXXX who said they did not report me late. I provided documentation to Experian to have account information adjusted such as bank statements and the account closure letter with date. My information was not adjusted and they are stating the dispute is complete.

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 2020-08-23
Company: JPMORGAN CHASE & CO.
State: PR
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:
the problem is specifically with XXXX a reported account with a balance of {$10.00}, XXXX of JPMorgan that account was disputed at the time and does not belong to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$59.00} {$59.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Inactive account Account has been closed due to inactivity. 
Closed or paid account/XXXX  XXXX Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
I attended XXXX and multiple students unfortunately we're stuck with the scam of three advisors who implemented loans and sign for them that WE THE consumer were stuck with. 
They investigated and reported it wasn't mine although I had to report TO NELNET for 3 years, proved I am XXXX, not working, they kept selling it, transferring it, Finally issued paid off, but it keeps reappearing as open, transferred, Duplicated 3 times on my report and or paid by Nelnet XXXX Department of Education several times on my credit report. I disputed, they sent DELETED, but it's still there. I have sued them three times already, & Won, and it says it's removed from my credit report but there is duplicate copies and a third one on there which they refused to remove from about 7 years ago. 
I'm tired of begging for something that never mine from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: SYNCHRONY FINANCIAL
State: MA
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:
XXXX XXXX has reported to credit rating agencies that I had late payments for a credit card account that I did not know existed. 

In XX/XX/XXXX, I bought 2 pairs of pants for {$74.00} at XXXX XXXX. At the checkout counter, the cashier asked me if I wanted to get an XXXX XXXX card which I thought was a Rewards Card ( not a credit card ). I said OK and then was asked to provide my XXXX XXXX card and I assumed that the purchase was going on my XXXX XXXX card. 

I never received an XXXX XXXX credit card and I never received any bills from XXXX XXXX 

In XX/XX/XXXX, XXXX XXXX  sold the account to another lender. 

In XX/XX/XXXX ( over 9 months later ), I first became aware of the XXXX XXXX credit card account when a copy of the XX/XX/XXXX bill was provided to me by the lender that purchased the account. I immediately settled the account in full with the new lender. I also observed that the copy of the XXXX XXXX bill had an incomplete address which is the likely reason that I never received any bills from XXXX XXXX. 

On XX/XX/XXXX, I began the application process for a mortgage on a condominium purchase and was shocked to learn that my credit report contained a number of negative items such as late payments and charge off status. These items were all from the XXXX XXXX   credit card account that I never knew existed. I have always prided myself in paying all my debts in full before their due dates and was expecting to see this reflected in a strong credit score. Instead, the XXXX XXXX credit information has negatively impacted my score in a significant way.

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 2019-08-26
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX every year attempts to collect money from me. 
XXXX XXXX XXXX/ I settled thru the Attorney General of Virginia on XX/XX/XXXX . 
They use I.C. System to collect this fictitious debt. 
I always contest the debt but they still try to collect.

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 2019-08-26
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XXXX this company Roach & Martha called my employer and threatened to reveal private information about an alleged debt that is unverified. They threatened me and that they would mail/verbally send I information to my employer that would jeopardize my employment etc. The man was very combative and aggressive on the phone. He said he would keep calling my job everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was unknowingly charged {$32.00} when I signed up for a TransUnion account. After creating an account with them they automatically used my credit card that I entered for the sign up process and charged me for a subscription service with them. I never got an invoice, or a bill, or a confirmation email that I have subscribed for the service. Furthermore, they have sent me multiple emails telling me to sign up for a service that they have already secretly signed me up for. For example, they have sent me emails which state, " Complete your TransUnion Credit Monitoring order now and instantly gain 24/7 access, daily refreshes and alerts to critical credit report changes.

" this implies that I have not subscribed to their credit service when, in reality, they have signed me up already. This has been going on for multiple years, and have already been sued in 2017 for continuing to employ deceptive sales and marketing tactics by the Consumer Financial Protection Bureau. However, they have not changed their practices and still rely on deceptive sales and marketing tactics to deceive new users to falling prey to their subscription service. I have tried to get a refund on the subscription however, the representative would not let me get a refund. Moreover, I never got access to the services I unknowingly paid for either because it required more verification to access. When logging into the account I created there is no indication that I have subscribed to the service, and when attempting to access my credit report it prompted that I was not verified.

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 2018-12-07
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:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: ALLIANT CREDIT UNION
State: IL
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:
My Alliant Visa has been charged numerous times from XXXX without any form of receipt documenting what these charges were fo and I did not authorize these charges for unknown merchandise or services. I have contacted XXXX repeatedly and they are unable to provide any substantiation for the charges. 

The same thing happened with XXXX, though there were only two unsubstantiated transactions. 

I filed multiple disputes for these transactions and was contacted most recently by XXXX XXXX, who apparently refused to honor the disputes because he demanded the logically impossible from me : " proof '' that these were not valid transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Citi Card has consistently sent emails stating they have returned mail - therefore I have not received a statement timely in 10 months. I have had to call Customer Service to a ) to determine the payment due, and b ) request a copy of the missed statement mailed to me and c ) make a payment by phone for months!. I made a note of the due date when this first occured, so thankfully, I have never made a late payment. I have requested the returned mail from Citi Customer Service to show the postmaster, as all of my other bills arrive without incident. I was refused the returned mail. My address has not changed in 13 years. I contend that Citi Card is not even mailing my statements - hence the refusal of the request for the actual returned mail. It is such a simple matter to mail my statement, a matter Citi can not seem to accomplish. I also wonder if this is a deliberate attempt to cause a late payment - which would result in a greatly increased interest rate as well as late fees. On XX/XX/XXXX I spoke with a supervisor who stated she had rectified the problem - and had removed my email address from the account - I promptly received an email from Citi Card confirming the conversation and a subsequent " returned mail '' notification shortly thereafter. The mystery is I always receive the " returned '' statement copies - but never the current statement. Which is why I do think this is a deliberate ploy by Citi to cause a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone took money out of my account and stole my money. I didn't authorize these transactions and someone took my wallet and money and stole my monies without my permission. I had to replace my driver 's license and social security card and also I seen transactions in New York and I wasn't there.

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 2019-05-28
Company: WLCC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
A loan was taken out in my name, but not by myself. It was taken out through arrowhead advance. I am in the process of changing my ssn. But they had auto-withdrawn money from my account for months and i didnt realize it until it was too late to fill an unauthorized transcation form for most of the withdrawn funds. 10x ( 1 time weekly ) from XX/XX/XXXX until XX/XX/XXXX. All dates hilighted in yellow are ones taken from my account

Company response to consumer: Closed with explanation