BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity Theft, a relative of mine opened 2 prosper loans without my permission. I contacted Prosper Marketplace in 2014 and  disputed the accounts through their Fraud Department which said they would close the accounts and delete them from the CRA, Prosper started reporting both accounts again to the CRA in addition I have been Disputing the accounts through 2 debt buyers, XXXX and XXXX XXXX which I have also sent them the Identity Theft Report from the Federal Trade Commission. I have called numerous times to Prosper and they take my phone number and that their Supervisor is going to call me. According to Prosper both accounts are marked as Fraud in their Department. I will send Prosper again the Notary Identity Theft Complaint and Affidavit and the FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: ZWICKER & ASSOCIATES
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX /17  - This company has been calling my  Mother  's home repeatedly.   I have several different numbers for them :  XXXX   XXXX   XXXX  They are Zwicker and Associates www.zwickerpc.com  XXXX   XXXX   XXXX   XXXX   XXXX  MA  XXXX  I have sent letters to all companies I owed debt to explaining I do not live at my Mother 's.   I am currently ill, filed for  XXXX  and have no job and no income. I have asked many times that they not call my Mother due to the fact she is recovering from  XXXX   XXXX   XXXX  and still undergoing treatment. These calls are harassing and I have no means in which to pay them right now so I can not resolve this until I have income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Credit Bureau Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please close this Collection on my XXXX account I paid this account and she continues to report on my credit as not paying I have already sent a paid account document to the XXXX to remove this account and it remains in my credit Account # 1 {$150.00} Balance XXXX XXXX XXXX XXXX XXXX  Original Creditor {$150.00} High Balance XX/XX/2018 Opened Date XX/XX/2018Last Reported Individual Responsibility Dispute resolved ; reported by grantor Remarks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I requested that my credit card be closed on XX/XX/2023. It was not closed at the time of request. The principal balance was paid-off and the dormant account continues to add fees and interest totaling {$280.00} ( as of today XX/XX/2023 ). 

Update ( CFPB does not permit updates on a complaint, can only close a complaint and open a new one ( option presented by CFPB ) : After my initial complaint ( XXXXXXXX XXXX XXXX XXXX, the next day ( XX/XX/2023 ) I received an email notice that my account was close to being charged-off. 

Another interesting note, defendant shows that my account was in collections on XX/XX/2023 ( one day after I requested to close it ) even though over-minimum payments were being made to pay-off the balance. It was paid-off. The reason I closed it was to no longer use it to charge transactions. 

I am XXXX XXXX XXXXXXXX XXXX. 

Further updates will be provided via closing a complaint and opening a new one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: U.S. BANCORP
State: OH
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I received XXXX pay in XX/XX/XXXX. They issue you US Bank Reliacards. I had my card hacked in XXXX XX/XX/XXXX. Over XXXX was taken off my card for internet international purchases I did not do. I called and reported it to the fraud department. I sent them the bank statements and highlighted all the purchases I did not do they investigated it and said they found no fraud so I spent 3 days calling XXXX merchants and they said they never received paperwork from the bank stating there was a fraud charge. So I called the fraud department back and they reopened my case but they did nothing about it they sent me a XXXX payment in XXXX of XXXX and then one in XX/XX/XXXX and in XX/XX/XXXX they retracted it off my card but they didn't take the XXXX payment back. Now all the charges repeat there selves month to month if one month charges is legit, wouldn't the same repeat charges be valid also. I need my money please help I don't know what to do

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 2023-10-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I sent my check for payment in full to Comenity Bank for the bill due on XX/XX/XXXX. On XX/XX/XXXX I find out they never received my check. On XX/XX/XXXX I got the new bill with the past due amount and my new purchases and they added interest and service charges totaling {$3800.00}. I sent out the check for the full amount but decided to send it certfied mail through the USPS so that I could track it. Each day I would check to see if my balance went to XXXX. It still was the same outstanding amount after a week. I called them and they said that they had received nothing. I have tracking number XXXX. I checked with the USPS and it was delivered and available at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called Comenity and provided the info. ( a letter was sent XX/XX/XXXX even sent a copy of the certified mail receipt. They have done nothing but charge me more interest. I even spoke to a manager and have written letters and had several on line messages with dispute with no results. On XX/XX/XXXX I went to the bank to stop payment which cost me another {$35.00} and made a new online payment in full which now went up to {$3900.00}. So I paid them an extra {$60.00}. and had to pay {$35.00} to stop payment on the check. If I check their site they still have not updated my account. I want all interest and fees charged back and for them to update my account. I have an excellent payment history with them and should not be charged for their incompetence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX   XXXX , I discovered a collection account at   XXXX   and  XXXX . The original date of the account was  XXXX   XXXX   XXXX .   I have NEVER received any communication from the collection agen cy, State Collection Service, that they had a collection account open for a bill  I owed.   Instead of notifying me about the collection account, so that I could pay the bill in collections in a timely fashion, then after taking no action to contact me regarding the collection account for  FOUR  months, they reported the account to the credit bureaus Now that the collection account is shown on my credit reports, it will hurt my credit rating and will stay on my credit record for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting a debt of {$640.00} to XXXX and XXXX. I have advised XXXX and XXXX this is not my account or debt. The opening date that both XXXX and XXXX is reporting is XXXX. I was a monor at the time I was only XXXXXXXX XXXX  I advised them that my identity was compromised. And I sent proof of my age at the time this account was opened. THIS IS NOT MY ACCOUNT. PLEASE HELP. TY

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: 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct # XXXX. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Advanced Resolution Services Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX  Date of inquiry:XXXX XXXX Date of inquiry:XXXX XXXX  Date of inquiry:XXXX SYNCB Date of inquiry: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 2023-05-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX Date of inquiry:XXXX XXXX Date of XXXX BRCLYSBANKDE Date of XXXX XXXX  Date of 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 2017-05-10
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On   XXXX   XXXX   XXXX   I checked my credit report and I noticed an unfamiliar debt being reported by professional debt mediation for {$2100.00}. On   XXXX   XXXX   XXXX   I sent the company a letter asking for a validation of the said debt. On   XXXX   XXXX   XXXX   I received a response from the company including what they considered a debt validation letter. Included was a copy of the lease that I signed beginning   XXXX   XXXX   XXXX   to   XXXX   XXXX   XXXX  . Which is correct. Also included was a statement of charges charging late rental fees for  XXXX  and  XXXX  of  XXXX  and also  XXXX  of  XXXX  all dates I was not living in the apartment any longer. It also shows an eviction which I was never evicted, I moved out at the end of my lease. On  XXXX / XXXX / XXXX  I reached out to the company making them aware of the inaccuracies and asked that it be removed from my file. I sent the same letter again  XXXX  weeks later and still no response.

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 2023-05-01
Company: EQUIFAX, 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've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX {$240.00} ; XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
After sending money to an online seller with my debit card ( they used XXXX XXXX to collect my payment ), the seller did not ship the item and took down their website. 

With no way to contact the seller, I attempted to cancel the transaction with XXXX XXXX. XXXX XXXX was not responsive in a timely manner. 

After five days of purchase, I contacted Chase Bank to report the fraudulent transaction. 
Chase bank did a chargeback while they investigated. 

More than a month later Chase reversed the chargeback without giving me notice. 
After calling Chase, I was told that I had an agreement with Affirm to pay the money and since I financed ( used a debit card ) Chase does not protect me. 

Chase advised that I take the matter up with XXXX even though I received nothing for my payment. Bottom line is that Chase did not protect me from the fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX there were 5 fraudulent charges listed as coming from XXXX XXXX XXXX and 1 fraudulent charge on XX/XX/XXXX, also from XXXX XXXX XXXX. For the following amounts to my Citi Premier credit card : XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX I have spent many hours reporting this issue to Citi, at least 9 times. 5 phone calls and 4 chat sessions, they have refused to reverse these charges. I have also contacted XXXX XXXX XXXX to verify they did not charge my Citi Premier credit card for any of those amounts. 

I can verify that I contacted Citi on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There were more communications via online chat and another phone as well. 

XXXX XXXX XXXX verified that these charges are fraudulent and a representative from XXXX XXXX XXXX spoke with the Citi credit card dispute center on my behalf ( with me on the phone ) and explained to them that these charges are fraudulent. The representative will confirm my claim. 

I can also submit my wireless and internet bills from XXXX XXXX XXXX which will show XXXX XXXX XXXX never charged me any of those amounts, and that XXXX XXXX XXXX does not bill me on the XXXX or XXXX, ever. 

My wireless and internet packages are unlimited ( no data cap ), there is no possible way I could have racked up these charges. 

I will also be filing a complaint with the FTC while looking into a lawsuit.

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: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please refer to previous complaint where Loan Care is stating that they are not responsible for this complaint ( XXXX ) dated XX/XX/XXXX. However, I received there response on XX/XX/XXXX that they did acknowledge my complaint. The response is being sent to the sold property. I also want to address my concern once again on question # 3 of their response. HOW CAN SOMEONE PUT MONEY IN AN ESCROW ACCOUNT WITHOUT MY KNOWLEDGE AND BUY THE HOUSE 2 DAYS LATER? Also, who was the letter addressed to regarding authorizing someone to perform an activity on my account ; dated XXXX XXXX ; after the house was supposed to be sold. It is considered MORTGAGE FRAUD.when a third party put money in an account while the owner is still in the house and before the sale, so I want my complaint addressed correctly to explained how can a house be foreclosed without talking with the lender after a transfer ; even though it was a continued trustee sale. This sale was on behalf of XXXX sated XXXX not Loan Care, so Loan Care or XXXX XXXXl should not have accepted money for this account until they had allowed the owner to correct the account, participate in the sale or do a short sale at least. Also, is XXXX XXXX really a company because they are not responding on their letter head but they have the sole rights to the loan? My complaint has been sent to other agencies but Loan Care is contradicting themselves by saying that they are not responsible when in fact they are responding to my complaint. Please assist in resolving my concern while my letters are still being sent to a SOLD PROPERTY address. If I am not in your system, then stop sending me form letters and address me as a former owner.

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 2019-01-18
Company: EQUIFAX, INC.
State: PA
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:
There is a business credit card with XXXX ( it was a MasterCard,  then XXXX converted it to a Visa despite the company 's objections ). Several  times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, XXXX promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. XXXX should remove the reporting of this account from my personal credit reports ( XXXX XXXX, Equifax, etc. ) and handle this with the company whose charge this belongs to. XXXX should also compensate me for the damage it has done to my previously impeccable credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation