BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NJ
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:
This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my XXXX XXXX. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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 I have red my rights under the FCRA and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: GOLDMAN SACHS BANK USA
State: MD
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 disputed the unknown inquires and the company and the credit bureaus are refusing to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Cascade CISS Holdings, LLC
State: MD
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 disputed the unknown inquires and the company and the credit bureaus are refusing to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have identified inaccurate information on my XXXX, Equifax, and XXXX reports that is a result of identity theft. These items are not related to any transactions completed by me : XXXX XXXX XXXX # XXXX {$20000.00} ; XXXX # XXXX {$10000.00} ; XXXX XXXX XXXX  # XXXX {$7400.00} ; and XXXX XXXX XXXX XXXX # XXXX {$160000.00}. I am requesting these items be blocked and deleted. My request to block and delete these items are not made in error ; nor being made on the basis of a material misrepresentation of factXXXX, Equifax, and XXXX are required by law ( 15 U.S.C. 1681c-2 Block of information resulting from identity theft ) shall block the reporting of any information in the report and fi le of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later than 4 business days after receipt of such agency of -- 1-appropriate proof of the identity of consumer ; 2- a copy of the identity theft report ; 3- the identification of such information by the consumer ; and 4- a statement by the consumer that the information is not relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: ProCollect, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was charged for {$890.00} on XX/XX/2019 by Pro Collect. No idea why. Never received notifications of debt before that.

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 2021-11-03
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I've purchased XXXXXXXX XXXX XXXX XXXX from XXXX for {$140.00}. On XX/XX/2021 my ordered finally arrived, but when I opened my package the order was wrong it was XXXX XXXX XXXX clothes. I contacted XXXX about the order issue the same day I received the package and they responded with " If you would provide photos of the items you did receive so we are able to share with our fulfilment team ". I sent my order number with the products I purchase and the products I received in the email, but after that no one have gotten back in contact with me. So XX/XX/2021 I reached out to the XXXX customer service once again asking them will the order ever get resolved sadly no one from the company reached out to me so I put in another order complaint through the website still no one reached out to me or fix the problem. On XX/XX/2021 I put in another complaint through the company 's website about bad customer service and my order. After having unsatisfied service I decided to just dispute my order through my bank account Chime while still contacting XXXX about my order. On XX/XX/2021 XXXX finally responded " We see that they have filed a charge back and unfortunately, at this point we are unable to process a refund or a replacement order. Please work with your bank for final resolution. '' On XX/XX/2021 Chime responded back to inform me " Based on there investigation no error occurred so this claim is considered closed ''. So I reached out to Chime Customer Service team over the phone and sent evidence of my wrong order issue through email as the employee told me to do. Then was transferred over to the dispute department to talk to someone. An automated response was email to me letting me know my written claims form has been received and being reviewed by the Dispute Team. XX/XX/2021 Chime responded once again saying the additional information I provided did not change the company 's decision and no error occurred. So on the same day XX/XX/2021 I reached out to Chime Customer Service again and the employee repeated the same solutions " send evidence " so I sent the same evidence as I did the last time hoping the issue gets resolved after having to keep repeating the same process over and over again. I've been waiting for a responded about my status so finally decided to give Chime another call. Sadly my claims didn't even have a status because the employee never sent over any paper work about my claims. So I asked for a manager and she told me the same thing " Send over evidence " so after getting the run around I asked the Chime Manager can I have corporate number but she refused stating Chime doesn't have a corporate number and no one over her can help me with the situation but her. THE SITUATION NEVER GOT SOLVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 : {$500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was the victim of the data breaches which have happened over the last 5 years with XXXX, XXXX, etc. The following listed accounts below were opened without my knowledge, or authority. I was instructed to use the FTC website identitytheft.gov to file identity theft report as the site is classified as a law enforcement agency. Please use this report as a record of the events. I am unaware who used my information nor do I have any information about the data breach or who might have stolen it. The following information is a requirement of FCRA section 605B to assist me in blocking the fraudulent accounts from my report. 



I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Furthermore, each letter is signed and attached with an FTC and Identity Theft, yet the TransUnion credit bureau is still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING? Delete this account ASAP.ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}

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 2019-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with XXXX XXXX XXXX . There have been repeated threatening calls and just today on XXXX XXXX, 2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XXXX XXXX, 2019 they will pursue litigation against me. 
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting. 
The company responsible is XXXX XXXX XXXX with address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX There report is on some, FifthThird Bank-Real Life Rewards with some listed Account Number : XXXX Reference XXXX Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue. 
I also do not see this debt reporting on any of my credit reports. 
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 I was notified of unusual activity on my AMEX credit card ; a card in which I never have used. Someone was fraudulently putting {$520.00} into an Amex Send Account. I also noticed that the phone number associated with my account was changed the next day- to a number that I did not recognize ( I also reported this immediately ). I immediately reported the fraudulent activity the same day. They sent me a new card and couldnt provide anything further until the investigation was completed. I waited several weeks and was told a formal investigation was never officially opened although I alerted them of the activity from day one. So they finally opened up a formal investigation in XXXX XXXX XXXX after several complaints and calls with the company. By law, I can withhold payments to the account since all activity was fraud. I was being charged interest and late fees during this time period due to no fault of my own. On their billing statement, it clearly stated that I was not liable for payment for the {$520.00} in reference to fraud on my account, so I did not make a payment. In XXXX XXXX XXXX, I was notified by email that the charges of interest and the amount of {$520.00} that was fraud on my account had been refunded. I assumed that they also refunded the late payment fees, but they did not. I called them again in XX/XX/2023 and they are refusing to reverse the late payment charges associated with the fraudulent activity, although their terms state that I am not liable for any fraud associated on my account. Charging me late payment fees is holding me liable- and is a breech of terms of service. I would like American Express to solve this matter immediately and to own up to their own mistakes and terms of service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-26
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have a credit card from BEST BUY/CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BEST BUY/CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BEST BUY/CBNA with no successful resolution. XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

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 2023-02-06
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Prior to closing, the minimum payment was to be $ XXXX. I agreed to open a new checking account with them so they automatically deduct the payment, and used their system to automatically transfer money in from a different account. 
However, their system ran the transfers late and they increased the amount of the payment to $ XXXX. Since the transfer missed by a few days, the account was short and they rejected the payment. Meanwhile, I continued to transfer money to the checking account with them, but because of the rejected payments they have shut off direct payment. 

XXXX situation : I have deposited more than enough into the checking account with them to cover the outstanding balance and I called them to try to pay it. 
I have contacted their collections department 4 times, twice speaking to a person who hung up on me. I have left messages on XX/XX/2023 and XX/XX/2023 but have not heard anything back.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 attached an FTC report with inquiries I did not authorize, please delete them ASAP they are affecting my life

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 2019-07-01
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 is missing that should be on the report

Complaint:
I received copies of my credit report from XXXX, XXXX, Equifax and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, XXXX, and Equifax claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Ad Astra Recovery Services 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:
This company continues to report information to the credit bureaus that is not mine. The information on the reports belongs to a person named XXXX XXXX XXXX, and I am XXXX XXXX. This is not my account. I have written to this company and called as well. I have not received any correspondence to validate/verify this debt is mine. I feel this is my last step.

Company response to consumer: Closed with explanation