BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2022, I received notice that my Information was used for a bank account that I had no idea that was opened in my name. This made me aware that many other actions like credit cards were issued using my information. I then proceeded to place a freeze on my accounts through the credit bureaus. This Year I reached out to the debt collectors to ask if they can validate these debts either through an original copy of the contract or a purchase agreement, they did not provide those documents, but instead summons me to court for a lawsuit. My identity was compromised and stolen and was used. Before I knew about this or could do something about this. My information was used. I have already taken steps to report my Identity theft. However, Im still dealing with these debt collectors whos primary focus is to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/20 closed the account. eight operators or more later from USAA all expressing different thoughts, a US XXXX  XXXX XXXX XXXX veteran trying to redeem my rewards back. I was informed I can not get the whole amount due to many different reasons depending on which operator I spoke to. I have XXXX  issues and hard time speaking. My daughter called and tried to help me, this company USAA claim to help the veteran be all about the veteran etc. etc. they are the worst company to help a veteran in this world. the interest rate was out of this world. they did nothing for me in years I had the card and upon closing wouldn't help redeem full value of redemption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was sent a rebate card issued by Citi bank from XXXX. I was not home during the time frame to receive the card. Upon coming home and checking my mail I Did not find the card. I contacted the fraud department and reported that it was not received, they informed me that the card had been used. I sent in a fraud report and after review the bank denied it and wo n't disclose why I was denied

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 2023-06-23
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recently was scammed by a new employer XXXX XXXX that posted a remote XXXX XXXX position on XXXX. This resulted in me unknowingly depositing checks that would bounce and wiring money from my PNC Checking account before the checks bounced. 

PNC was aware that the checks were Altered or Fictitious but did not alert me ASAP. I found out after I wired money out of my account. PNC is claiming that since this is a SCAM and not FRAUD, they are now saying I owe them the negative balance of - {$9400.00} in my checking account that they closed. Before the scam started, I had {$10000.00} in my checking account and {$4000.00} in my savings account. All of that is gone. PNC made an effort to get the wired money back with no luck. 

I think that since PNC realized the checks were Altered or Fictitious and did not alert me, they should be held accountable for this scam, and that I should not have to pay the {$9400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Synovus Bank
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called First XXXX XXXX on XX/XX/XXXX to close my credit card account after paying my balance off. I was told it would be completed within 3-5 days. I called back on XX/XX/XXXX to check the status as the account was still open. I was once again told it would be completed in 3-5 days again. I have since called a few more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and the issue still hasn't been resolved and charges and fees have continued to be added. Nothing is being done and no one seems to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The alleged bank representative with chase fraud with actually legitimate chase phone number called about a fraudulent wire transfer on my account and the instructions given to me actually had me wire the alleged XXXX the money. My entire bank account amount XXXX. I called the number back. It was really the chase number and they told me they did not call. I went to the bank to try to stop it and they just changed my account number and reported it. 
2 days later I had a police report but chase denied my claim of fraud. 
They then sent me a letter to reopen the case and on XXXX. XXXX I called them and they closed it again and told me I have to pursue my money on my own. That was my retirement check and my child 's money and now I have none. I have XXXX XXXX My bills and mortgage are due and I'm having trouble finding a lawyer that deals with these incidents as I'm not a XXXX  yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: Forest Recovery Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt with XXXX XXXX XXXX XXXX in 2018 in the amount of {$220.00}. XXXX XXXX XXXX XXXX verified and sent verification of payment to all 3 bureau 's. XXXX and XXXX honored my dispute. When I went to XXXX to dispute the report, XXXX denied my request on more then 4 different disputes. In fact they replied that the report was in fact my debt. They did not verify or investigate my payment which is paid in full. I also was denied other credit opportunities because of a wrongful accusation. Please reach out to XXXX XXXX XXXX or contact me for any more details I would really appreciate your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My now ex-wife took out multiple credit cards in my name without my consent, and went as far as to forge my signature. I am also dealing with her illegally loaning against my life insurance policy. This is one of many credit cards that she took out in my name without my knowledge, and I am only finding out about it 3 years after she took out the card and it has gone to collections. I have spoken with the collection company and they are not willing to dispute the issue, nor are they willing to provide me with any credit card statements in writing. They did provide me with a few brief charges with this card such as small monetary increments to XXXX XXXX, XXXX etc totaling in the amount of {$760.00}. I am trying to get my credit back in good standing and trying to resolve old issues without filing for bankruptcy, and this is an outstanding debt that I did not agree upon nor have any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I can not log in to my account. I have called and I have emailed and everyone keeps telling me what I owe and when it is due. However, I keep asking why I can not get into my account. The last time I called, the rep told me the reason I can not get into my account is because my loans are being discharged and when the process is complete I should be able to get into my account. Well, I still can not get into my account and I just now received another email about what I owe. My loans have not been discharged. I can not afford my monthly payment and want to apply for an Income-Driven Repayment plan. But I can not get into my account to get forms or pay or anything. I won't be paying anything at the moment because I'm locked out of my account and no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: SC
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 to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Repeat requests to have information corrected and has not been updated by XXXX. There are addresses on my report that I have never been associated with.

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 2023-07-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems has reported 2 collections to the credit agency for an apartment property that I have never heard or nor had an account with ( XXXX XXXX XXXX ). 

One amount is {$990.00} and the other is {$450.00}. This debit collection agency has never mailed or contacted me because, they do not have my contact information as I have never lived in any apartment community called XXXX XXXX XXXX. Additional, they have no documentation from XXXX XXXX XXXX with my signature. 

This is in direct violation on my civil rights to have a accurate credit report, this collection is illegal and by law needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL 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 2020-11-30
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:
XXXX XXXX and previous dates I have submitted that these reports do not belong to me and they still remain on my account.

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 2022-12-02
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
I received a letter from Barclays. located at XXXX XXXX XXXX XXXX. XXXX, DE XXXX and phone number XXXX XXXX XXXX. Regarding XXXX XXXX XXXX  XXXX. when I called to informed them that I received a letter from them staying that my address on my card has been updated. When I called the XXXX XXXX XXXX  XXXX Barclays 's phone number. Customer service transferred me to Security Department at XXXX XXXX XXXX and XXXX transferred me to the Extremily High Department at XXXX XXXX XXXX. The operator ID XXXX, XXXX, asked me about my name, date of birth and social security number. Because I didn't provide all my information, he was not able to help.when I asked about the Extremely High Department address, XXXX mention that this place did not have an address and it was fraud.

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 2022-06-01
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to XXXX XXXX XXXXXXXX, XXXX, and Early Warning to remove a mark/flag that indicates that my account with XXXX XXXX XXXXXXXX was closed due to fraud. I in no way want to open a new account with XXXX XXXX XXXXXXXX, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Certegy Holdings, LLC
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 received a notice from Certegy Payment Solutions , LLC, dated XX/XX/2020, informing me of check cashing transactions that were attempted seemingly on my behalf. In this notice, they provide the last four digits of my " Government Issued ID Number '', i.e., Driver 's License, as well as the last four  digits of my Social Security Number as " Consumer Identifiers ''. 

The inquiries noted in this document list tree separate transactions, all dated on XX/XX/2020, for different dollar amounts under {$1000.00} to the following " Certegy Clients '' : XXXX  XXXX, XXXX  XXXX, and XXXX XXXX. I did not perform any of these transactions, nor did I request any other entity to perform them on my behalf.

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 2023-08-12
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo Bank repeatedly allowed fraudulent transactions to all my accounts costing me over $ XXXX and credit reports problems. They refuse despite DC police report XXXX and other evidence from XXXX XXXX, DC DISB to acknowledge and take responsibility for the fraud. My address for banking was XXXX XXXX XXXX DC XXXX. Fraudulent transactions was done in 2019 especially in XXXX and XXXX. .All accounts was affected XXXX. XXXX and all other accounts including checking and savings was compromised.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received an investigation result from Transunion. The file number XXXX. Transunion is deliberately breaking Federal Law while reporting false and inaccurate information on my consumer report. Federal Law says in 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Transunion is reporting this false information. Transunion is in violation of reporting this charge off on my consumer report when in fact Pursuant to 15 USC 1681c ( a ) an account placed for charge to profit and loss is considered income for the consumer. Where is my 1099? Consumer has not received a 1099 so that I may file this charge off as income? This account will be rectified or I will be filing a form 3949-A of this fraud with the Federal Trade Commission and Office of Tax and Revenue concerning the tax fraud and both company and Transunion will be held liable. Your institution will update my account as paid in full and remove any derogatory remarks.

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 2022-06-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was overseas for over a year. Over XXXX was taken from my account. I came to USAA detailing the problem and the fact it wasn't me. I put in a dispute and the bank said they would do an investigation. None was done. My claim was denied and I've requested the evidence used and was told that they didn't have to supply it without a police report. That is a complete lie and against the law. I made them aware of this and still we came to no resolve. I even was able to provide tax documents stating I was overseas. Still this meant nothing. They've been infiltrated where hackers are calling and texting members from USAA numbers. They didn't even provide any notice for over 2 years. I was contacted by these hackers multiple times. I even wrote a letter to the president of USAA. No member should lose this amount of money because a bank lacks the proper protection and security measures.

Company response to consumer: Closed with explanation