BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
ARS collections purchased a debt without my implicit authorization or my knowledge. They also illegally remanufactured and repackaged said debt under various accounts advertised against me on my credit reports without my consent. Even after execution of cease and desist order they continued to enforce the collection of debt by mailing notifications and releasing my data to credit bureaus. This attempt to collect a debt without a valid court order is illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX two purchases were made on my credit card. They were In store purchases at 2 different  stores in my city where I live. Charges total {$630.00}. I disputed the charges as soon as I got an email with a charge on my credit card. My card had a XXXX balance. The dispute was denied because they said it was done in person and it was normal spending habits. We had to do our own research. Pull the receipts from home depot. On the receipts it shows a different drivers license than mine. I submitted the new information showing it wasnt my drivers license. Home depots policy is not to scan license when no credit card is available just to input a social security number. The thief had a fake ID in my name and my social security. License on the receipts do not match my license clearly showing fraud. Home Depot workers informed us they manually type in the drivers license #. They do not verify it it matches on the application. They choose to overlook that and denied it again. This time they said it was authorized by me because signatures matched. It was not me. They have not called. They were suppose to mail us the credit card application. Not sure how they can hold me responsible when I have proof I Didnt do it. License numbers do not match. Home Depots policy is dangerous for consumers who are victims of identity theft. They need to scan license to make sure they are real. If this was done this would of never of happened.

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 2021-06-30
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX I had sent you a letter disputing UNKNOWN accounts and asking for it to be verified or deleted. The 3 Bureaus has failed to respond to my letter. It has been more than 30 days since the last letter and as I understand, the bureaus are obligated to respond to my letter within 15 days but still I did not received any reposnse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Ive filed a dispute with XXXX  and XXXX   about this debt that clearly doesnt belong to me. This card belonged to my deceased father and Portfolio Recovery Associates refuses to acknowledge that, even though the Social Security Number, and address are not associated with me. Theyve gone as far as to try to sue me for this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: The Best Service Co.,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:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

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 2020-11-20
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per 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 2019-05-06
Company: Dream Center Education Holdings
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Back in XX/XX/XXXX, The Illinois XXXX XXXX XXXX came to my school. They had salesmen as recruiters and pushed me to go out to XXXX for this school. In XX/XX/XXXX the stock market crashed they forced me into doing private loans to finish the program. Ever since then my private loans were being sold off to other companies. I am looking into any options that I can possibly do to reducing or getting rid of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Bread Financial Holdings, Inc.
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX XXXX XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Newman, Hesse & Associates, P. A.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from a law firm informing me that they were going to garnish my wages for a debt they say is from 2006. I have never seen this debt on any of my credit reports nor have I ever been previously notified of it. They also addressed this letter to my name and another name ( similar to mine, as an AKA, but never a name I have used or had ). Upon contacting the court that this is going through, they informed me that it is a legit case and said that they were trying to take over {$1000.00} from me. I have never had a debt that large in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2020, I contacted the Customer Service at Barclays Bank Delaware, Mastercard XXXX, and I spoke with XXXX Supervisor. Whom I explained that due to the current Covid-19 Pandemic, I will not be traveling and that I have a XXXX XXXX XXXX, and I wanted to change my Credit card back to the non {$99.00} fee, and ask that I not continued to be charged the {$99.00} annual fee for XXXX XXXX XXXX XXXX I was told by that my credit card could not be downgraded and that I would have to pay off my bill, close my account and reapply.

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2018-02-14
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
American Express Serve has repeatedly placed all refunds on a review hold for review. I called them regarding this and they stated that its policy that is done to protect the customer. I find this to be outrageous. I purchased something then returned it, now you hold my money. No other credit card company does this. Once a return comes into your account its to be available to the account. 
I have included the transaction that is in question Transaction in question : XX/XX/ Merchant Credit Hold for Review - XXXX XXXX XXXX PROCESSING - {$31.00} Completed Transactions XX/XX/2018 Store Return XXXX XXXX XXXX + {$31.00} Original transaction Store Purchase XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA SHOPPING Edit - {$36.00} XX/XX/2018 Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a Bank of America Customer. Sometime around XX/XX/2018 two new  accounts were opened in my name without my knowledge or approval. 1 Checking account and 1 savings account. I called Bank of America to notify them of the issue and possible identity theft and/or fraud. I asked for the following information : Who opened the account? 
When was the account opened? 
Where was the account opened? 
what identification documents ere used to open the account? 
What steps were taken to verify identity? 

These questions are important to me because I need to know if someone has access to my personal information and is using it in a fraudulent manner. BOFA said they would open an investigation but, to this date, I have not heard from anyone. Calls to BOFA for information have resulted in nothing. No one seems to know what is going on. I need answers to these questions right away and I can not afford to wait any longer. Please help.

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 2018-02-14
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car loan with Ally Financial and I traded the vehicle right about the time the payment was due. The dealership took its time paying of the Ally when I traded the vehicle so Ally put a 30 day late payment on my credit report and when I called them and explained to them that I no longer had the vehicle the customer service representative were very rude and told me I better pay them my payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX and XXXX has removed the XXXX XXXX account now can you also remove the inaccurate information Transunion ?

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 2020-08-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have credit card with citi bank They kept increasing my credit card first from XXXX to XXXX and finally to XXXX. I recieved letter stating there decreasing my credit limit back to XXXX This isnt RIGHT since now im at that limit.. I have never been late or missed any payments and always paid more then what was asked.. Citi said it was cause of my credit report credit report said it was citi Its a big game with them. I talked to a rep and she told me that the manager could over ride this and she even gave me a XXXX credit. 

Mean while now that they decreased my credit limit it shows up on my credit report.. I thought having XXXX - XXXX was good credit To me citi bank is a big fraud and liarers

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 2019-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was being used fraudulently. I had 3 transactions that I did not recognize among the most obvious ones. These are the transactions in question : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX They are placing transactions on my card that do not belong to me. Once I raised that flag they opened a fraud case and wanted me to pay the full amount of the card before they would refund any money. They have shady practices and are accusing card members transactions being made when they are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: FORD MOTOR CREDIT 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: Account status incorrect

Complaint:
in XX/XX/2014 ford motor called me on the 31 first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with ford ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Giact Systems, LLC
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:
My checking account with XXXX XXXX XXXX ( now XXXX XXXX was hacked on XX/XX/XXXX & XXXX. On XX/XX/XXXX, we went to our branch and closed all old accounts ( checking, savings, XXXX, lines of credit and debit cards ) and RE-OPENED ALL NEW ACCOUNTS. As I do with all my credit cards, ( XXXX, XXXX, XXXX, etc ) I entered the new checking account information online so I could pay my bills including XXXX. I pay all my bills online. On XX/XX/XXXX I made a payment online to XXXX in the amount of {$85.00} and did the same again on XX/XX/XXXX for {$85.00}. On XX/XX/XXXX, I made another payment to XXXX for {$85.00}. On XX/XX/XXXX when I noticed none of these payments cleared my checking account, I wrote an email to XXXX Bank inquiring if there was a problem. XXXX/XXXX  is the only account I am having problems with. All my other payments to my bills have gone through without any issues. XXXX Bank answered me via email on XX/XX/XXXX telling me MY ACCOUNT WAS INVALIID due to INFORMATION they RECEIVED FROM GiACT SYSTEMS. This information is totally false and I definitely must dispute this. This has caused me more grief than the initial hacking into my former checking account did. I have an excellent credit rating. I'm honestly attempting to pay my bills and now I have to do it via telephone, which is going to accrue needless charges. I need this information rectified so I can re-enter my checking account number onto the XXXX XXXX  website. I want GiACT Systems to rectify my information since my NEW CHECKING ACCOUNT IS VALID, as is all my new accounts. Please inform XXXX XXXX that this is a proper, working checking account number. I have more than one credit card with XXXX XXXX. Therefore, this is truly a mess. Thank you, MsXXXX XXXX XXXX

Company response to consumer: Closed with explanation