BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX Phoenix financial put this on my credit report when they know they got the money through my employer at the time in XXXX they collected their debt throughout weeks of taking money from my check. This should not be in my credit report or anywhere since it was already paid off. They trying to get double their money. Thats not fair specially when theres a pandemic of Covid-19 and currently Im unemployed and trying to get XXXX. Ive had XXXX insurance for years. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Army and Air Force Exchange Service
State: TN
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:
The following information XXXX XXXX XXXX reporting on my XXXX  credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 

1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 

2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 

3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as XXXX   continues to report falsehoods.

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 2021-08-20
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For 2.5 months I have been trying to get Ally Bank to report my account as paid in full. I paid my loan off early and have never missed a payment. They are still showing the account owes $ XXXX on credit bureau reports. The bank has refused to do anything about 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 2022-08-07
Company: EQUIFAX, INC.
State: IN
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 filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXXXXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.

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 2022-08-25
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE Group, as shown on caller ID, called and asked for someone named XXXX XXXX XXXX. That person has not existed for over a decade and thus has no outstanding debt in existence. Calls were also disconnected in an unprofessional manner and call backs were left to ring incessantly, avoiding communication. Debt is older than 10-15 years and no longer owed. Company should be fined and dismantled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am disputing and challenging the debt XXXX XXXX XXXX  says I owe.

The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all 3 credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a XXXX  student.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: 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: Information belongs to someone else

Complaint:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX/XXXX, XXXX, XXXX XXXX XXXX IN. Also there are inquiries on my report I did not authorize as well : 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

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 2020-05-08
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 I applied for a program to assist with my student loan and applied for a small personal loan through my bank. On XX/XX/2020 I received a denial from my student loan lender and from my bank, both reporting that my VA Home Loan with LoanCare - XXXX XXXX in XXXX  XXXX VA has reported me to the credit bureaus as being in forbearance and on the " verge of losing my home '' and declining to make payments. I made several attempts to reach someone at Loan Care and was put through the calling tree. I made several calls to several numbers, all phone tree and now way to reach a live person. I found my suspended payment letter from Loan Care - my payments  are suspended currently due to COVID, and attempted to call the Mortgage Advocate listed. Phone tree. I have been unable to reach anyone. My credit is now ruined, which was not great to begin whit and I have been working very hard to repair. Checking my credit score I see I have went down almost 60 points due to this Loan Care debacle. I can not get anyone at LoanCare to speak with me, respondent to me or find a live person to speak with. I attempted to submit a dispute through XXXX  and have been told I need several pieces of documentation. I am unsure where to go from here and am very upset that this is a VA home loan, that I was told suspending payments during COVID would not be reported to credit agencies, and has been. Advice?

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 2017-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount for this debt is {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX appeared on my credit report. I contacted the company several times to explain that the debt does not belongs to me and to please remove. I attempted to call XXXX to ask them to remove the debt because it was not my debt as well but I was told that they can not remove a debt that I must go through the company. I have exhausted all options to resolve this unauthorize debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Got a call from random person, saying they are working for some agency that help consumers to eliminate credit debts because they are paying too much interest. They told me not to pay any credits company such as Chase, and other credits card companies for 1 year and they will help me take care everything for me. They were sound very convincing and professional so I fell into their trap So on XX/XX/2021 XXXX XXXX charged me for {$3000.00} as a service fee for help me to eliminate Chase credit card debts. 
I did a research online and realized that these might be a scam, so I contacted Chase credit card to ask for disputes. I also emailed XXXX XXXXXXXX asking to cancel, but not reply at all. So Chase denied my dispute despite that I sent them the supporting documents that I emailed XXXX XXXX To reopen the dispute, I have to fax Chase a letter explaining the details. I sent to Chase a letter about 4 times, and I got denied from Chase every time. Chase told me to call the company and I did, but I always run into voice messages and I left my phone ask XXXX XXXX to call back, but never get any calls back. Chase doesn't want to work hard to help my dispute to get my money back from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: JPMORGAN CHASE & CO.
State: CO
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 pay my account every month using the companies website and i always get notified that the billing has gone thru, however, a couple times i was notified 30 days later that the billing didn't go thru and that a 30 day late pay was added to my credit report. I have tried to correct the issue with the company and the credit bureaus but have had no success. It is damaging my credit score and i'm not able to get the best interest rates by no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere. 


Thanks

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 2020-07-01
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A transaction in the amount of {$30.00} was sent to user ID $ XXXX on XX/XX/XXXX by mistake, wrong person.. The error occurred due to user ID appearing last, this person was sent money prior on XX/XX/XXXX and therefore the ID came up after amount selected. Also, the person has a similar name to person intended for. I requested a refund shortly after, it does not appear the person will refund as it has not been processed as of yet.. Since the person did not refund, appears to be a scammer, I have blocked the user ID. My Cashapp ID is $ XXXX. I request Cashapp refund the transaction as the transaction is in error and person appears to be a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account with HSBC that advertised that it would give {$750.00} to new customers who deposited a minimum of {$5000.00} per month for 3 consecutive months. 

I followed their terms and conditions and did that for XXXX, XXXX, and XXXX. I confirmed along the way MULTIPLE TIMES with their chat representatives that all deposits and all terms were being followed. I was told I had met the terms by their agents ( who seem to have been lying to me the whole time deceptively keeping this fraudulent charade ), and then months later have yet to receive funds. 

HSBC are liars and will try to lure you in with false advertisements and then decide months later after you've given them their money, and opening an account, that they won't give you the money they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been having an ongoing dispute with a debt buyer collector Portfolio Recovery Associates who for the past five months has refused to provide me validation of debt from the original paperwork I have asked for. Since I know the debt is not mine I have been asking for this proof. 
To my dismay they sent me a letter from their collections dept with a copy paste letter which is not original and not on company letterhead. I called XXXX XXXX  to ask them if they ever sent out notifications on paper not containing their letterhead and they said they did not do that. Here this debt buyer which is reporting on a debt which is not mine is providing me what they say is original proof of the debt but it is nothing more than an in house generated statement. I am including this in the complain for the record. 

I am asking this agency intercede on my behalf to provide the transparency I has requested from them multiple times and which they seem to regard as 'optional ''. I need assistance as a consumer, and I need this company to provide the facts or remove the debt. This is not mine nor is it official as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a online bank account citi bank in XXXX 2021 transfered XXXX from XXXX XXXX my bank on XXXX XXXX XXXX before my transfer was approved the new account fruad departmemt locked the account on XXXX XXXXXXXX i call citi my transfer was still pending i try to cancel the frasfer with XXXX XXXX but they told me citi needed to cancel so i called citi told them to cancel the transfer but because the account was locked they would not cancel now i call citi and they are asking me for a cell phone Number that will regester to me through public records I don't even have a cell phone nothing registered to me in public records therefore they will not unlock my account close my account let me get my money or anything even though I transfer that money into the account from another bank XXXX XXXX that is also in my name i have my social security number ATM XXXX card my pin number my driver 's licence must birth certificate and they still will not release my account and keeping my money because they will let me have my money there telling me that there's nothing more they can do to help me at this point i need to calk back whem i get a cell numbee that will verifie me in public recoreds im not gon na get a celk phone any time soon please can you help me get my money out they i would like to take close the account get my money back it is my goverment funds i live on very littel momey this was my stimulas payment this has been going on for XXXX months now im visoting my family in XXXX i wemt to a XXXX and they tties to find my account amd i was told the account does not exsit there is no account so where is .my momey

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 2021-03-31
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/XXXX I applied for higher credit limit ( currently {$110.00} ) on my JCPenney card ( Synchrony Bank ) but was denied. When I received the denial letter it had incorrect information by XXXX. 

The letter reflected the date of XX/XX/XXXX with a score of XXXX. My XXXX  score was not XXXX on the date of request XX/XX/XXXX and additionally my XXXX  score on the same date range was/is XXXX. It appears that the creditors and/or XXXX  are deliberately trying to negatively impact scores by not updating their system when the account balances are paid down. 

I have another pending complaint against XXXX  for the same type of issue. 
COMPLAINT ID 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 2021-03-31
Company: EQUIFAX, INC.
State: IN
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation