BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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: Problem with personal statement of dispute

Complaint:
Fifth Third bank has improperly reported on my credit report a late payment. I have tried with them and through the XXXX  to get them to reverse it and they refuse. I contacted them the day my business was mandated closed by our state and had numerous phone calls and emails with numerous staff and not once was I told that I had to call any other person or number to note that my small credit card also needed stopped. My mortgage, business line of credit, and bank accounts all were stopped vis the branch manager and the staff I called or emailed and I had no idea I had to contact yet another number for the small crest card I have with them. The CARES Act notes that once you contact them they should stop all reporting. Fifth Third did not specify that multiple parts of their company needed to be contacted. The branch manager even tried to help me with this because it is absurd considering the volume of communications and problems I have had to try to survive through this. I contacted them even before any COVID processes were in place and then almost daily for weeks with the issues I had. As a small business owner trying to survive, this has hurt my credit report SO much. The payment was only {$35.00} and I have almost all of may accounts with them Not only did they not tell me to call another area for this, I never did not have {$35.00} to cover this. This is sheer harassment and unethical in such a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXX {$2800.00} XXXX {$0.00} DEPTEDXXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX {$5800.00} XXXX {$0.00} XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
My credit report shows an account with MACY'S/DSNB opened on XX/XX/2006. I contacted Macy's to see if I ever had an account with them or if they had any information regarding this debt with a reported balance of $XXXX. Macy's informed me that they did not have any information on file registered with my name or social security number. I then contacted the credit company, and I asked them to provide me with more information regarding this debt. I was told that there was no information on their side other than the principal and amount due. In XX/XX/2006, when this charge account was open, I was XXXX  years old. It would have been impossible for me to open a credit card. I explained this to the creditor, and I was told there was nothing they could do, other than try to collect the amount. This Macy's credit is one that appears on XXXX report.

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 2021-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
fcra not mine : see attachments for proof : XXXX XXXX  XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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 sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, EQUIFAX 8 times in one day, 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 SC XXXX, XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of XXXX  XXXX  but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received phone calls from the same number out of XXXX XXXX, California (XXXX) on XXXX XXXX at XXXX, XXXX, and XXXX.  I usually don't answer these types of calls, but the last two times I did because I actually had an issue with a parking ticket in XXXX XXXX when I visited there back in XXXX, so I wanted to make sure the call was not about that.  Both times that I answered no one on the other end responded.The same number called again on XX/XX/XXXX from someone saying they were from Midland Credit Management.  They claimed they were calling me in regards to a debt on a XXXX XXXX  XXXX  that was closed back in XXXX???  They had information that I owned the card from XXXX  until XXXX  (I believe this is true…I did have a XXXX   card around that time that was cancelled by XXXX  due to inactivity), and that the account was closed by another party in XXXX.  They threatened that if I didn't pay the debt they would make a denunciation on my credit report???  First I told the woman on the phone that all of my bills are currently paid.  She insisted that I have a debt that needs to be paid.  I asked them how it is that I am receiving a call now about an account that was closed in 2011…this makes NO sense!  The woman again told me I have a debt to pay.  I asked her to clarify what this particular "debt" is for, and she said it was for a roughly $80 past charge on the account which was closed in XXXX?  I told her I did not understand what she meant, and I asked what the charge was exactly for.  She told me to hold while she looked up my account information, and after a little over two minutes on hold (I heard the woman clear her throat a couple times) she hung up on me.  They have not called back in the 7 hours since.My biggest concern is that I know my XXXX information was breached during the recent cyber attack against them. The fact this woman had my account history that could have come as a result of this breach makes me wonder if this company is linked with that cyber terrorist attack, and why I am making this complaint.  I did a little research myself and see that this “company” has been harassing people with false claims since XXXX.  Something needs to be done to shut this down!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: CITY NATIONAL BANK
State: VA
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:
This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: FIRST NATIONAL BANK OF OMAHA
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Collection Department ( XXXX ) XXXX, XXXX XXXX XXXX : Account Number XXXX Current Balance {$120.00} Payment Due {$35.00} Dear XXXX XXXX We are writing you about your monthly credit card Payment Goes on to say its past due, phone XXXX to talk about payment First Bankcard I do not owe this. I have never had a First Bankcard. I called the REAL First National Bank of Omaha Bankcard They have no record of this account XXXX They have no XXXX XXXX XXXX They have no phone number XXXX They thanked me for bringing this scam to their attention I imagine some scammer sent out thousands of letters like this figuring since its a small amount a lot of people would just go ahead and pay it The real FirstBankcard said to ignore this I am reporting it to the FTC So you can be aware of it and possibly find out who is sending these scam letters out Many people may fall for it There are new scams all the time This is a new one for me I have no overdue credit cards & a high credit score so I knew right away it was a scam The real phone number for the real First National Bank of Omaha is 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 2018-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Citi /AAdvantage Gold World Elite Credit Cardmember in excellent standing since 2003.

Interest rate on this card had always had been 11.25 %. 

I stopped paper statements more than year ago. On auto payments - therefore, i don't login to Citi website often. 

I've recently become aware of an increase to my interest rate of 1.5 %, from 11.24 to 12.49 %. 

On an {$18000.00} to {$19000.00} balance ( when increase occurred balance was higher than $ 17k currently ), this was a substantial rise in interest allocation To the Bank and not the consumer principal portion of my monthly payments I feel this is an abuse of CFPB Consumer Advert Law, as I was of the understanding, that Citi was to provide/reward their best paying long standing customers, those who always pay on-time, such as myself, by Lowering the Rate - and certainly Not Raising it. 

Fed raising the prime a half percent last year has nothing to do with deceptive practices with promise of lowered rates for customers paying on time consistently over time ... ..which i have done. 


I would now request that Citi Card Re-imburse my account all of the interest and fees over-charged from this higher interest rate discrepancy. 

From what I was made to understood, I should've been entitled to a Lower Rate, because Citi Rewards their Best Customers who've Never missed their monthly payment. 

I've been over-charged in fees and rate, and request Citi to credit all months my account was over-charged for this Higher Rate also factoring in the Lower than  11.24 % rate that I had Expected to receive. 

I would like the over charges to be applied back to my Principal Outstanding Balance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for these accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Navient Solutions, LLC.
State: OH
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:
Both XXXX XXXX XXXX and Navient are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an existing mortgage with New Rez. I was contacted about a refinance and took the offfer to apply for a lower rate. The process took several months and finally closed on XXXX XXXX. 
I continued to watch the website and called to make sure my automatic payments were stopped and was assured that had been done on the old account. 
I set up new auto payments to start in XXXX on the new mortgage. 
My old account was drafted for the old amount and when I called to address this they said my payment would be refunded but only to find out that my old mortgage was never paid off and now I have 2 mortgages with new Rez that are scheduled to draft from my bank account in XXXX. 
I made several more calls and everyone tells me I have to call someone else and 2 have not returned calls as they said they would. No one wants to take care of the problem. 
Where did my refinance funds go that should have paid off my old mortgage. 
Need Help!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Citi bank- Best Buy made an hard inquiry on XX/XX/2023 that I did not consent to or know of.

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 2020-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, I  XXXX XXXX XXXX, come with peace regarding Account number : XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. PORTFOLIO RECOVERY ASSOCIATES, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor. PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XX/XX/XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XX/XX/XXXXRecorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts PORTFOLIO RECOVERY ASSOCIATES, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
account was included in XXXX XXXX  which has been discharged old bank account XXXXXXXX XXXX XXXX XXXX XXXX XXXX pass on to the stark collection age

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX & XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00}, XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief