BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: National Account Services Group, LLC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously lived at a residence where I had XXXX XXXX as the electric company. Due to a divorce, I moved out of the residence and moved to another residence. My ex spouse was awarded sole and exclusive of the house that included paying the utility bills. I received notice at my new residence that she did not pay the monthly bill and service was going to be turned off until the balance was paid. I contacted XXXX XXXX, explained to them I was no longer in the property and bills should be going to her ; not me. They would not allow me to take my name off the account due the past due balance. At some point, with my personal information and not any knowledge or authority, my ex contacted XXXX XXXX  to set up billing arrangements. In XX/XX/2019 the house was sold and my ex moved to another property. It was not until I was received the first collection notice did I know she did not pay the final bill when she moved from the property. I disputed this account with the collection company and it was found to be in my favor, that I did not owe the balance so it was removed from my credit. Months later i received a second collection notice from a different collection company for the same unpaid balance in my name. I disputed once again ; I was told the balance was not my problem and that it would be removed. Now a third time from the same second company again ; I am told i owe the balance. I have supported documentation stating I was not living in the property and that she had exclusive use of the home. I also have proof that the collection account was removed from my credit report the first time. I do not feel I should be liable for this balance as one ) is not mine ; two ) XXXX XXXX  would not allow me to remove my name from the account ; three ) XXXX XXXX  allowed use of my account for payment arrangements to someone who falsely used my information ; four ) I was already informed twice that this balance should not be my responsibility

Company response to consumer: Untimely response
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company 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 2021-03-02
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: Investigation took more than 30 days

Complaint:
My personal information has been obtained and misused for a number of fraudulent activities. This has severely impacted my credit and it sucks. Someone has been using my identity and now i am the one stuck with the debt and negative items reporting. I am submitting this complaint in seek of assistance in removing these accounts and getting another start at actually building my own credit myself. I am also submitting identity documentation to clarify that it is me sending in this complaint. Along with those documents i am adding a pdf report from the identity theft website. The report number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 I received a letter stating I owed ERC ( XXXX XXXX XXXX ) a debt of {$360.00}. The letter references XXXX XXXX which I do not have and have not had. I called the number provided by ERC ( XXXX ) and gave them the reference number and account number on the debt they mailed me. After providing them with my information and the information of the letter, several representatives were not able to find any account or debt listed under my name. The letter states that they are going to report this on my credit score if I do not respond. I 'm very upset and believe they have the wrong information because I do not have XXXX XXXX  and they were not able to find my " debt '' with information THEY sent me. I believe they are fraudulent accusations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Byrider Franchising, LLC
State: IL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a new account at bank with promo code offering {$300.00} bonus. Banker confirmed I qualify for {$300.00} bonus. This is for my account, XXXX XXXX. To date, bonus has not been paid. I called and was told systems are down. Just want the bonus as promised.

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 2021-04-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I Leased a car through Nissan and I called them in XX/XX/XXXX to discuss deferring payments because of loss of income due to Covid 19. They gave me a 3 month grievance to not pay on the lease. I called XX/XX/XXXX and asked for 1 additional month grievance and were given permission to not make the payment due to my circumstances. Unfortunately my car was repossessed in XX/XX/XXXX. I have spoken to Nissan several times and have filled out packets of information and here we are in XXXX and they have not processed the paperwork to return my car or give me any options. I was told by Nissan that I would get my car back, but every time I call Nissan says its still processing paperwork 3 months late? Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
AMX improperly applied the payments I made over the minimum due to lower interest rate balances rather than highest interest rate balances. From my calculations, I paid approximately XXXX over the minimum payments due over the past several years. However, the balance on my highest interest rate balance has continually gone up instead of down. The highest interest rate is a cash advance rate of 22.49, purchases are at 11.49. Big difference. Not only has my high interest rate balance not been reduced by my XXXX over the minimum payments, the balance has actually increased from XXXX in XX/XX/XXXX to XXXX on my current statement dated XX/XX/XXXX. Since I have not taken a cash advance in the past 7 years, I believe that my purchases are inappropriately being applied to the cash advance balance in error. When I noticed all this was happening, I contacted American Express. I have made several calls trying to resolve this and get some help. The representative told me it would take 4-6 to resolve and that I would hear from the company in writing. That was on XX/XX/XXXX. As of today, I have yet to hear anything from AMX. After contacting AMX, my XX/XX/XXXX statement was adjusted giving a credit to my account for the Cash Advance interest fees for one month of {$290.00} and my minimum payment was reduced to {$170.00}. Also, my cash advance balance was reduced to {$1500.00}. I know this is a complex case and this error has occurred over several years so I was happy to see that it appeared that AMX was trying to rectify the situation. To my complete dismay, my XX/XX/XXXX statement has the cash advance balance at {$14000.00}. I do not know what has happened to my account, perhaps a terrible computer glitch, but it is not right or lawful. I have been charged all of this extra interest on incorrect balances all of these years. My purchases should be charged a rate of 11.74 % NOT 22.74 %. Also, my payments have been increasing over the years, from approximately {$300.00} a month to my current payment due of {$450.00} due to the interest being calculated on cash advance rates instead of purchase rates. Also, my credit has been severely affected because of my credit utilization percentage being so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: WEICHERT FINANCIAL SERVICES
State: NY
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: Investigation took more than 30 days

Complaint:
I was put into forbearance without me asking for one, agreeing to one or signing anything regarding one. My credit bureau for more my mortgage now states 'affected by natural disaster '. They also removed my auto-pay feature because of this erroneous account status. I have been trying to resolve this for 3 weeks. I made several calls, emailed and faxed documentation that was requested and still nothing. I emailed them on XX/XX/14 and this morning again with the info they requested. Spent another hour on the phone this morning asking for a supervisor that never came. I am supposed to re-fi my mortgage now that may not happen because THEIR error. My mortgage is current and has NEVER been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX  XXXX in XXXX, FL. ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as : XXXX XXXX XX/XX/XXXX ***Please update the correct wording to reflect what I do professionally******

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2021-11-28
Company: EQUIFAX, INC.
State: MA
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 reported this account for a year it has been removed from XXXX and XXXX this account need to be removed from EQUIFAX Violation of CFR 313.7 ( f ) Violation of 15 USC 6802 ( 2 ) ( b ) Violation of 15 USC 1681b ( a ) ( 2 ) Violation of 15 USC 15 USC 1692e ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CITIBANK, N.A.
State: UT
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:
I received a call, text and an email on XX/XX/2019 from Citibank regarding transactions made using my credit card. I spoke with a representative and she told me that I had transactions all over the world using my credit card. I requested to the representative to tell me the amounts and dates of the purchases, she told me one by one and I didn't recognize purchases done overseas. She said that all transactions were going to be cancelled and I won't need to be worried about anything. A few days later I found that a couple of the fraudulent charges were actually processed and paid for more than {$28000.00} so I called Citibank again. Citibank representative told me that the amount was going to be investigated. Among the steps that Citibank processes in this situation is to contact the merchant for proof of the purchase. They said in a few days I will receive a call from the investigator but it never happened. 
I called back to Citibank a week later and I spoke with a fraud supervisor and she told me that the fraud amount was still under investigation and it could take a while for the investigation to be completed. This amount in dispute is on my bill with a {$13000.00} amount due as a minimum payment. My credit score has dropped 150 points. I requested the fraud amount in dispute on my account with Citibank be given a temporary credit while under investigation which they said would be done in a few hours. This never happened. A week later called again and they told me that they had no record about the conversation that I had with the fraud supervisor. 

I made two questions to the Citibank representatives which they couldn't answer : Why are we dealing with this huge amount which is covered by fraud protection : why were they able to remove or credit the account with the other amounts in dispute and not this large one? 
How did a charge that was more than {$10000.00} MORE than my credit limit gets processed, approved, and paid?

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 2022-12-30
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2022 I sent a letter to Equifax advising them about several inquiries that was not authorized on my credit report. Equifax received the letter on XX/XX/2022 at XXXX, I also completed a Identity Theft Report and attached it here along with the letter with the unauthorized inquiries listed. I also sent a copy of my state ID and proof of residence to Equifax and attached it here as well. 

Please delete all inquiries please immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime on XX/XX/ 2020, when I pulled my credit report, I found out multiple inquiries on my credit report that I did not recognize. I found also some accounts that I did not recognize. I only started to work on my credit report a few months ago, some accounts that did not belong to me already came off my credit report, unfortunately, I am still dealing with some. I recently received a collection letter from MRS BPO , LLC trying to collect on an alleged debt that I do not recognize, the debt is not mine and I have no other reason but to believe that I am a victim of Identity Theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the Chase Freedom Flex credit card because marketing said the card gets 5 % cashback on travel-related purchases. Actually, 5 % cashback only applies to travel-related purchases bought with Chase rewards points, not with credit card itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, 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 have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: JPMORGAN CHASE & CO.
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:
Chase has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Bread Financial Holdings, Inc.
State: MS
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:
Have a credit inquiry from XXXX/XXXX XX/XX/17 Clothing. This company is supposedly XXXX XXXX. I have had no reason or will ever have a reason to request credit from this company. I contacted the ( XXXX ) XXXX. spoke with a representative says that they could not help me and said inquires cant be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2020-07-24
Company: Allied International Credit Corp., (US)
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a letter of intent to collect a debt from Allied International Credit Corp. ( US ). Their address is XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX. They state that I have acquired a debt with XXXX in the amount of {$95.00}, but I do not have and have never had an XXXX  account. I looked at my credit information via XXXX XXXX and found no negative information there as I have no established credit. Additionally, there are no negative inquiries to my credit and no record of this debt on it. 
Further research into this company led me to a thread on the XXXX  community forum where it was recommended that I file a complaint with this institution. 
I have not contacted this company and refuse to do so as I have not accrued this debt nor have I had any accounts to my knowledge with XXXX. Further, the XXXX  forum thread stated not to contact them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Veros Credit, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief