BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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 XXXX 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 reports no consent is fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Capital One opened an account using my name, address, and bogus ssn number. I became aware of this id theft when I received a debit card in the mail which I did not apply for - date XX/XX/2022. I immediately called the number on the debit card and was sent to XXXX in fraud who said he would close the debit card immediately. I requested a letter and received a confirmation letter dated XX/XX/2022. 

I also received a statement on XX/XX/2022 for the account and found out a checking and savings account had also been opened and the checking account had a balance of {$220.00}. I called again and talked to XXXX in fraud who said the account would be closed. I requested a letter when the accounts were closed. The statement had online XXXX transactions in and out of the account to a XXXX XXXX XXXX XXXX from apparently individual names. I was told the accounts would be closed. 

I received statements on XX/XX/2022 and XX/XX/2022 for the same accounts. I called the bank on both dates. Again, I was told the accounts would be closed, but on XX/XX/2022 XXXX told me they were investigating and had to get the money back to the correct person. 

Number one : The bank is violation of the privacy act and patriot act when they opened an account with a SSN number which did not match the name and address. I know they did not have my SSN because I gave them the last 4 digits of my number and was told it did not match the account SSN. They said they could not give me any information because it did not match. It's funny I get the statements and it is my address and name the account is listed in and they can not give me information. I have contacted the local police department, but unless I have a person to go after, they can not help. 

As a last resort, I went on their social media page - XXXX - on Tuesday, XX/XX/2022 and laid it all out for the public to see. I received a notice to XXXX  them and they would help. On Wednesday, XX/XX/XXXX at XXXX XXXX  I received a message they were working on it. 

I have tried for 3 and 1/2 months to close this fraudulent account. As far as I know it is still open and the bank is 'trying ' to find the correct person to send the money to. I want the account closed and all record of my name and address wiped from Capital One 's data base. A bank that can open accounts without proper ID should be censored and fined. Their regulating authorities should review their procedures and take action against them. I am frustrated and angry. I put freezes on all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: LJ Ross Associates
State: AL
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:
A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft please remove this fraud inquiry 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 2023-02-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I began my relationship with Citibank, and was approved for a Premier Mastercard. On XX/XX/XXXX, I expanded this relationship by opening a AAdvantage Platinum Select Mastercard. On XX/XX/XXXX I opened a Citibusiness Aadvantage Platinum Select Mastercard as well. 

On XX/XX/XXXX, while calling regarding a declined transaction at a grocery store on my Citi Premier, instead of unblocking the fraud lock on my card, Citibank closed both my AAdvantage Mastercard  and my Premier Mastercard in real time while on the phone. I was told that the decision is final and they can not be reopened. 

I feel that this decision is unfair. I used the card responsibly and always paid my bill on time, well before the due date. Furthermore, if their was something that they didn't like, why didn't they just warn me? Instead of taking the impulsive decision to close my credit cards. I've attached my credit karma report, showing the details of both accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living XXXX being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. Equifax violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Dispute Confirmation Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-08-15
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:
Experian is reported a collection by the name of XXXX XXXX XXXX on my credit report for {$6800.00}. I contacted the collection office and they do not have my information with this account. My social does not match the accounts information. I disputed this with the company on XX/XX/23 and Experian closed it as verified accurate. It can not be accurate if socials/personal information does not match! This account needs to be deleted from my report asap.

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 2022-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 These companies pull my credit without my permission so therefore I filed a report with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: BlueChip Financial
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Spotloan charges an interest rate of 490 % and I took an {$800.00} loan. The laws in Louisiana prohibit charging this amount of interest and APR. This was back in 2018. Now it is on my credit. I did not know the extra cost of the loan was that much.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
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:
Please remove the late payment from my account. 
I always pay on time. This is causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXXXXXX 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 2023-04-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Its a Macys store credit card. At the beginning of Covid, I called and requested to be put on a forbearance. It was approved and they reported me as late the following two months. I shouldnt have been reported as being late since the forbearance had already been approved, and I was told by the person who handled the approval that I didnt need to make any payments at that time.

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 2022-07-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX, XXXX a loan modification was completed on my account. At that time, the FHA HAMP Loan Modification offered an incentive of applying a {$5000.00} payment to loan balance in year six. I have spoken to multiple Wells Fargo employees in the Home Preservation Department, and their Executive Office regarding the matter. All employees were oblivious, and one stated that my account didnt qualify due to it being suspended during the Pandemic, and also due to Hurricane Ida although I was working with XXXX XXXX  program that received Federal Funding to help homeowners with the suspended payments. Wells Fargo was/is working with this program, and my account did not default as there was an unforeseen Global Pandemic as well as a Catastrophic Hurricane. 

In XXXX, I was working with XXXX XXXX of Wells Fargo in the Loan Modification Department. Numerous signed documents, including the Dodd-Frank Certification ( DFC ) form was submitted to Wells Fargo dated XX/XX/XXXX and is a qualification for the HAMP Year Six Pay for Performance Incentive. The information regarding the Incentive can be found at XXXXXXXX Pay For Performance, or at XXXX Home Affordable Modification Program Year Six Pay For Performance Incentive. The mortgagee is supposed to submit an application to the government, for the Incentive payment to be disbursed. 

On today, I spoke to a representative at the FHA Resource Center ( Reference Number XXXX ). I was provided information regarding a lenders responsibility Under Section 6 of RESPA. Based on the HAMP Loan Modification, HUD must receive a correct and complete claim submission Parts A and B of form HUDXXXX via FHA Connection or FHA Catalyst within 60 Days of the execution date of the : Claim Type XXXX XXXX -FHA-HAMP Loan Modification . 

In Conclusion, I need this matter thoroughly reviewed by a knowledgeable employee. The proper incentive needs to be applied to my loan balance, or legal action will be taken as a violation of RESPA due to failure to comply with Section 6s provisions.

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 2023-12-16
Company: BARCLAYS BANK DELAWARE
State: NY
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:
XXXX XXXX replied that I have signed the service contract XX/XX/2023. 

I contested that it was a voidable contract to the most : a ) XXXX XXXX never informed me orally that the dentist was out-of-network, b ) nor included in the contract the fact that the fee charged will be {$2800.00} ( {$1800.00} more than I would be charge from an in-network dentist based on a reply from XXXX XXXX in a follow-up inquiry ) , c ) XXXX XXXX misrepresented the service contract for excluding the description of an out-of-network service- and demanded an extra {$1800.00}. 

Barclays Credit Card sided with XXXX XXXX ( Barclays did not admit/accept my argument of the misrepresentation of the service contract presented by XXXX XXXX ) Barclays Bank DE XXXX Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : 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 2020-03-20
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In approximately the summer of 2017 I received a collection notice for over {$800.00} for a XXXX XXXX bill. I have never used XXXX XXXX ( my company phone is XXXX now, but even that is new this year ). I contacted the collection agency and advised them. They told me I needed to call XXXX. I did, and XXXX confirmed that whatever it was that was ordered was ordered using my social security number and my address but a different email address than any I have used. They said it was strange because it was a phone but the service was never activated. Further, that phone or whatever it was never was delivered to my home. They confirmed that it looked like fraud to them as well. They asked me if I could file a police report, but I pulled my credit report and given that it was the ONLY item on my credit report I felt that filing a police report wasn't going to get me anywhere. What would the police do for one item on my credit report with ZERO information about who might have done it to go on. So I simply advised XXXX that I wanted to dispute the account as it was not mine. 

Then they sold the debt to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN I immediately notified them by mail that this was not my account, that XXXX KNEW this was not my account, and that it was the result of fraud. No response. They placed it on my credit report ( which XXXX never had ). I disputed it with all three bureaus and explained the situation in detail along with my dispute. 

They each did their investigation ( whatever that means ) and Jefferson Capital stood by their reporting. 

This is NOT my account. It has NEVER been my account. I have NEVER received anything from XXXX nor used XXXX in any way, and this is unjustly harming my credit. 

Please contact Jefferson and have them remove this listing as it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: SYNCHRONY FINANCIAL
State: NC
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:
My purse including my personal information was stolen XXXX, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : XXXX XXXX XXXX XXXX XXXX  ( ACCT # XXXX ), with a balance of {$3600.00} XXXX ( ACCT # XXXX ) with a balance of {$1100.00}. XXXX. XXXX XXXX ( ACCT # XXXX ), this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).

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 2020-03-20
Company: The Receivable Management Services LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!

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 2023-04-24
Company: Experian Information Solutions 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:
XXXX continues to report wrong information to my credit report even after you seen them proof of the false information is not reported correctly. THEY DO NOT CONTACT XXXXXXXX XXXX DIRECTLY TO VERIFY THE INFORMATION THEY USE A DATA BASE SYSTEM THAT'S NOT UPDATED. They will not update your credit score as you pay off a credit card to bring down your debt to ratio. They are reporting that I did not pay off my two XXXX XXXX XXXX XXXX credit cards. They also showing other credit cards not paid off and they have been the information XXXX is reporting is not correct. 
XXXX is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.

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