BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a call about a debt that has reached it's statue of limitations twice ... it is an 18 year old debt ... .i called back on XX/XX/18 ... .I asked for proof and they could not provide ... they said I have a judgement against me ... and that they are going to sue me ... and I do not have any judgements on my credit report..I never got served or gotten any summons to appear in court ... .they served my credit union with papers to freeze my account and I was charged {$75.00} for legal fees from my credit union ... and when I asked for more information she said her computer not coming open and she's looking at another screen and then..they acted like they couldn't hear me any more and just hung up..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: CA
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:
Equifax is reporting alleged accounts on my consumer report without my permission. Congress has said so and they are in violation. Attached is an affidavit of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: JPMORGAN CHASE & CO.
State: TX
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:
There were 4 fraudulent charges made at XXXX XXXX XXXX # XXXX XXXX, Tx 2 charges on XX/XX/18. {$130.00} each Another 2 charges at the same location on XX/XX/18. 1 for {$130.00} and another for {$24.00} totalling to {$420.00} Chase Bank originally reimbursed the money back into my account, but after a few weeks they reversed the credit and took the money back stating that they didnt believe the transactions to be fraudulent. I was then told in order to reopen the investigation i would need to file a police report, once i did that they told me to take it up with the police department and that it was out of there hands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11
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:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. Account XXXX XXXXAccount XXXX XXXX XXXXFraudulent inquireXXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX XXXX Date Filed XX/XX/XXXXXXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Orions Management Group, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a consumer of the XXXX XXXX and Orions Management Group LLC is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to OMG LLC to contact me at any given time or place as well as never giving them any of my information. The fact that OMG LLC has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm Orions Management Group LLC has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: WA
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:
This account balance is incorrect. This account is currently under litigation. Please remove and delete this account from my credit report. 

Account Number XXXX Medical : XXXX Current Balance {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions 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:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. Account XXXX XXXXAccount XXXX XXXX XXXXFraudulent inquireXXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX XXXX Date Filed XX/XX/XXXXXXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/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 2018-12-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Was unaware they were charging to a credit card, because I didnt know I had one. Never signed up for one, was underage regardless. Whoever is calling claimed I signed up for a credit line when I was XXXX years old. Ive always had a PayPal account but never had a PayPal credit line. I have a credit card and debit card on my account which is what I always used to pay. They have called my step father and convinced him to give them his card to make payments on a credit line that is apparently mine? I always told him it must have just been scammers. But it is apparently much bigger than that. Theyve told him amounts I owe which I am unaware of. Also actually convinced him to make payments.

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 2018-02-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
InXX/XX/XXXX I had opened up an account at the branch and they were offering a promotion to refer customers to HSBC. Each new account customer gets a {$250.00} bonus for being an " Advanced Checking Customer '' if acct is funded with $ XXXX. 3 months go by and I following up with bank that it still missing. They credit the account with {$100.00} and missing {$150.00}. I contact the bank again. They said it takes 8 weeks to post after the acct is opened for 3 months. After 5 months still not resolved. At 6 months, we follow up again and they said give it another month. So I've already placed at least 5 phones calls to the branch and main number. On XX/XX/, we call HSBC main number and they find the wrong promotion code is entered and file an investigative report. Said to give them a week and they will call back. I called them on XX/XX/, and they have no idea what is happening and still not resolved. I am filing a complaint in that they are misleading people to opening accounts but will not commit to the advertisement. They hold onto your money with no one taking charge to resolve the case. You can't close your account as they hold this issue open as hostage and charge you a penalty if you close prior.

This the 2nd complaint I'm filing as they have said they will escalate and then closed the case before it was resolved. When I called in and I had the customer service representative, XXXX to note on the account that my mother, XXXX, to be given full authorization to discuss all aspects of this account as I was traveling out of the country and yet they would not disclose the resolution to her. Because they did not fund the account in a timely manner, I was likely hit with charges while traveling abroad. They should reverse any account charges as if the funds were there. 

Very poor customer service. They refuse to provide a number to call into the corporate office. They would only provide an address to write in and it may take 30 days to get a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my Citibank card off and it posted one day late ... i got a {$39.00} charge and interest started accruing on that {$39.00}. This should not be allowed ... earning interest on fees is just double dipping ... making fat cats richer. Well ... i paid my $ XXXX dollars this month and the due date is on a saturday so it didnt post until the next week ... which again resulted in another {$39.00} fee and then a minimum interest charge of {$2.00} because interest on {$39.00} is well less than {$2.00}. So basically i have paid nearly $ XXXX in fees and interest in fees. My problem is not the late fee but the interest on it ... and then charging another fee on a fee ... which happened this month. I work in the computer industry and they can absolutely program to not earn interest on fees or add a fee on a fee ... this is how consumers get into trouble when these companies charge fee after fee after fee on fees. I paid it ... but this should not be allowed. This bank would not even be in business if it werent for the taxpayers of this country and we need to be treated with more respect. Sure they need to pay their bills too ... but fees on fees is unscrupulous.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is incorrectly reporting me 30 to 120 days late on the following accounts which reflect a {$0.00} balance and {$0.00} past due amounts. 

XXXX XXXX - partial account number XXXX XXXX  - partial account number XXXX XXXX XXXX - partial account numbers XXXX and XXXX. 

This negative reporting is harming my credit scores. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the bureau to fix this issue.

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 2020-01-25
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:
On XX/XX/2019, I sent a letter requesting that Equifax provide me with its method of verification. They have not done so, instead, Equifax just opened up another dispute and has not sent any method of verification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sequium Asset Solutions repeatedly calls me regarding credit-card debts that I've long-since paid off or do not owe. They've been hounding me regarding unpaid debts owed to XXXX  from the early XXXX, and I've made it clear to XXXX that I've already paid off those amounts long ago. I've nonetheless received numerous calls at inappropriate hours from a silent robot who then connects me to a phone-operator. They then proceed to utilize identifying information in order to determine if I am the correct party that owes them a debt. 

This is irresponsible, dangerous and utterly unacceptable that they are offering my name and phone number out to strangers to find out if the number they've dialed belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/XXXX- I made a purchase of {$10.00} at the XXXX in XXXX , Florida .

XX/XX/XXXX- I received the first credit card statement from XXXX Credit Card showing I have a new balance of {$38.00} due on XX/XX/XXXX. I immediately called the XXXX  number and was given the run around on how I was on a paperless statement with XXXX-XXXX. Finally spoke to XXXX  and he waived the lates fee 's since I never requested paperless and was not aware of my balance. The balance of {$10.00} was paid on XX/XX/XXXX. I then requested the account to be closed, since the CRS 's before XXXX   were so rude. Account was closed on XX/XX/XXXX.

XX/XX/XXXX- I received another statement from XXXX showing I now owned {$49.00} and I called immediately and they stated it has been balance to a XXXX balance.

Today XX/XX/XXXX - I received a call from XXXX  stating I owed a past due balance and requested my payment. After reviewing the notes in the system the CSR transferred me to a XXXX at XXXX ext. XXXX, which was very polite and stated my account is now at a zero balance. I requested to speak to a supervisor, since it shows my accounts 3 payment past due and I completed the payment on XX/XX/XXXX when I received my paper bill. Spoke to XXXX and she assured me that the account is at a XXXX   balance and the payment history was updated to show current and the error will be reported to the 3 credit agencies. I plan to call XXXX   back in 48 hours to confirm this has been completed and contact the credit bureau 's next month. I have perfect credit and can not believe this credit card company is allowed to function and cause damage to my credit history that I have worked so hard for the last 25 years, plus continue to send me past due notices and calls to my cell. Please Help!

Thank you so much for your time and assistance.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: WELLS FARGO & COMPANY
State: WA
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 used high pressure sales tactics for me to open another Bank Account that I didn't need and that I wasn't planning on using. I opened the account and deposited {$300.00}. I was told that there would be no fees on the account and I could just keep the money there until I planned to use the account. 

This is the second time I've complained about this same issue. I am not getting emails that the account is overdrafted and I've never used the account. Wells Fargo drained the {$300.00} in my account and started charging me fees, for no reason. 

This is blatant theft. 

Account name is under business 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 explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX, IN XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with XXXX XXXX opened in XX/XX/XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and Experian twice.Once by XXXX and once by XXXX XXXX. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called Experian today and they called XXXX while I was on the phone waiting and was told that since XXXX XXXX  sold the loan to XXXX  and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan with XXXX XXXX and if they sold the loan to XXXX then one of these two entities will have to stop reporting. Both entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681

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