BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
For last 10 years I have received calls about a debt with kay jewelers that I never owed and was fraudulent after Kay jewelers sold debt to a collection agency over the last decade I have been contacted by multiple collection agencies trying to collect the fraudulent debt repeatedly I ask all agencies to verify proof of debt as I never nor will I ever shop at Kay jewelers and as expected no response from any to verify debt and no return call till another agency who has purchased the claim contacts me as of XX/XX/2019 I received a letter stating notice of bank levy from XXXX XXXX XXXX XXXX but was never sent any correspondence to allow a defense against a bank levy for a fraudulent debt the letter contained my name and social which is scary to know companies like this have it now thanks to original fraudulent creditor Kay jewelers I tried contacting XXXX XXXX XXXX XXXX to discuss bank levy mailer and only got a voicemail box to leave name and number left multiple message over last 30 days with no response tried to look up company online and couldnt find anything about this XXXX XXXX, CA XXXX based company XXXX XXXX XXXX XXXX I am tired of the constant harassment and uncertainty this matter has had me endure and would like to come to resolution as at this point I feel violated by the continuous attempts by debt collectors to collect this fraudulent debt that still to this date a decade later has not been verified by anyone or resolved and it has continued to be passed along from companies who tried to collect debt but sold debt once realizing that wouldnt be able to verify it for me being it is fraudulent debt owed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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:
There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received fradulent charges on my Bank of America account from XXXX. 

The charges were made starting XX/XX/XXXX. The total amount is approx {$530.00}. 

I contacted Bank of America to notify that these charges were not made by myself or my business and they are fradulent. The did a temporary reversal and then later in XX/XX/XXXX reversed the credit saying that XXXX is stating that the charges were legit. This is not accurate. There are at least XXXX different charges, many with the same amounts made on my business account. I wrote a letter and faxed it to Bank of America and when i call for status they keep telling me to refax the same letter. On XX/XX/XXXX I called Bank of America and was told by them that the merchant said the charges were legit so the claim was denied. The letter i sent states that I did not make those purchases. I am still stuck with these charges and need my account credited asap. I am a victim

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 monetary relief
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a collection account on my credit file that has been paid. I have disputed this account with Equifax 3 times with the last time being XX/XX/XXXX and most recent today, XX/XX/XXXX. I have included in my dispute a copy of the letter from the company saying the account has been paid and satisfied in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Halsted Financial Services, LLC.
State: NC
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:
On XX/XX/XXXX, a woman from Halstead Financial called and threatened to sue me for a debt that is almost 7 years old. At that point, I had no idea about the debt and confirmed it over the phone. Seeing that debt did belong to me over a CFPB complaint, even though I asked for a prior explanation. I have since received countless emails asking for payment through a portal and even still receive calls from them in the wee hours of the morning or around the time it is designated as " bedtime. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CITIBANK, N.A.
State: WI
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 had XXXX in charges occur on this shell.CBNA in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # 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 2022-08-10
Company: Chime Financial Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX am I transferred {$5000.00} from my personal Chime account to my wife 's chime account using the Pay Anyone feature. The money is expected to transfer instantly from account to account but it did not after I have spent XXXX hours on the phone with chime customer service trying to get my money refunded only to have my information switched my personal information ie phone number and email address to my wife 's account I received an email stating that after reviewing the account that they would not be refunding my money! I'm in desperate need of help. I'm including pictures that show Chime is refusing 2 refund my money as well as pictures showing where the money left my account but never reached the receiver 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I em doing this own my own and I have call the local police and FTC.

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 2020-02-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been disputing the status, amount, dates of an account listed on my Equifax credit report and Equifax continues to claim that the account is valid without providing me information that they have that proves what they claim to be true. The education loan is not only reporting inaccurately but there are two accounts with the same account numbers with different open dates and balances listed on my credit report. I sent Equifax yet another dispute letter this time I included a screenshot of all my student loans listed on the NSLDS ( National Student Loan Data System ) I highlighted the loan from University of XXXX XXXX  that was opened on XX/XX/2009 that shows a balance of {$1800.00} with no outstanding interest or late fees. I also included the screenshot to prove that there is no loan reporting opened on XX/XX/2009 from the University of XXXX XXXX. Equifax has completely ignored my letter and proof and still is reporting both of the accounts on my report after I've sent in proof.Not only are they reporting wrong information they keep changing the account status I have proof both of these accounts have been closed for years, I also sent proof to Equifax, and now the accounts are open with balances and monthly fees. This is absurd. Its the credit bureaus job to ensure nothing but accurate information is on the consumers report so I'm in complete shock that after I've provided the company with proof they fail to do what they are getting paid to do. Please DELETE the accounts from my credit report as they are not accurate and I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions 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:
Experian has continued to violate the FCRA by continuing to refuse in deleting incorrect as well as inaccurate information from my reporting. I am not asking for another dispute or investigation, I want this inaccurate information removed from my credit, XXXX just removed this account based on the information they received from E Oscar & I know this is the same data furnisher theyre using. It is against the law to continue to report information that shouldnt be on the 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 explanation
Consumer complaint received 2020-02-10
Company: Nationwide Judgement Recovery, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About 8 years ago I was unfortunately conned into joining an investment group called XXXX XXXX XXXX aka " XXXX XXXX. '' I initially invested {$3000.00} cash into this investment being told there would be a great return on the money. As the account began to grow I became weary that it was a ponzi scam ( which it was ) and decided to pull my initial investment out. I received a check from the group for my earnings which was about the same amount that I had invested. The account continued to grow but I never collected nor was able to withdraw any more money from the account. The website eventually was shut down and apparently a lot of people lost a lot of money. I personally was at about a break even point because I had pulled out my initial investment. A few years went by and I received a 1099 from the group that I had been paid out over {$6000.00} in earnings, not even taking account of the money I had invested. I tried to contact the group but nobody would respond to any emails or phone calls. I ended up meeting with a local IRS agent who basically told me that since I did not have proof I wasn't paid the money then there was nothing they could do about it. This resulted in me paying taxes on over {$6000.00} I never made. 

Fast forward a few years to this month. I received a letter from a collection agency who had apparently taken over this debt ( or purchased it? ) and is now claiming that I had earned a total of {$2300.00} from the group. Not only is this totally false, but it is a completely different amount than I was 1099 'd for! They are also claiming I owe interest on this money as well and that I have 30 days to pay it. I called them and was told they didn't advise me talking to a lawyer because it would cost more than just paying them off. 

I have emailed them multiple times over the past couple of weeks requesting proof that I received these payments not only to show I was not, but also to take to the IRS and hope for a refund that I never made a profit from this. The only emails i receive back are ones showing a spreadsheet of payments I never received. I am desperate for help at this point because they are threatening to take me to collections and damage my credit score for money I was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TD BANK US HOLDING COMPANY
State: RI
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:
There have been many companies open under my name and I did not open the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: WELLS FARGO & COMPANY
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 at approximately XXXX. Wells Fargo attempted to force me to file a complaint when l clearly was not filing a complaint with them but did inform l was filing a complaint with the with CFPB for their out disregard to acknowledge the fact that by law if the creditor agrees that this information does not exist and/or is incorrect it is their responsibility to contact all 3 credit bureaus to have this information removed immediately which up to this point they have failed to do so. 

Supervisor ( XXXX -- -- ) on a recorded was extremely rude by essentially hanging up the phone in my face by cutting off our conversation and forwarding the call to their executive office something I did not request! I disconnected the because l explained that l did not want to speak to any one else but he did it anyway. 

Then at approximately at XXXX l received this email below which was deceptive in nature and was written in such a way to make it appear that l had filed a complaint with which was a lie. 

They tried to forced me to speak top someone in their executive office and then sent this email stating quote, " Dear XXXX, We want to let you know we received the information you shared with XXXX. Your feedback is important to us and we will work with you to research the issue as quickly as possible. 
To help ensure we address your concerns, were researching the credit reporting issue you mentioned. You can expect to hear from your case manager within three business days of your complaint submission. 
Were here to help. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, contact us by phone at XXXX Monday through Friday, XXXX XXXX to XXXX XXXX. Central Time. 
For reference, your case number is XXXX. 
Thank you. We appreciate your business. 
Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC. '' Wells Fargo lied in this email stating that would contact me in 3 business day which they failed to do so.

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 2019-05-14
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX. On XX/XX/2019 received letter claiming that I or someone on my behalf requested a fraud alert on the credit report. I have never made such request. Made multiple calls to XXXX, either can never reach a live human, or kept getting transferred 5 times, or they simply disconnected the call. Also called someone in " Senior Regulatory Affairs Associate XXXX Consumer Affairs '', their line sounds like it is disconnected. In sum, there is no way to reach a human being that knows how to remove such fraud alert. 
Again the question is Who/what/when/where placed the fraud alert? do NOT close the case if not resolved, as there is no way to contact Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: IL
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, EQUIFAX, and XXXX is reporting Multiple XXXX/ XXXX XXXX  accounts on my credit report it infringement upon a consumers rights to privacy pursuant 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When I purchased this vehicle on XX/XX/2016 I was told my loan would be for 60 months and that my annual percentage rate would be approx 20 %. The amount I financed is {$12000.00}. They are charging me almost 70 %! of the amount financed as a " finance charge ''. That is a ridiculous amount and I feel I was taken advantage of by this company at that rate. My vehicle is now worth only {$2000.00} and I still owe over {$8000.00} on this loan. XXXX XXXX and Credit Acceptance took advantage of me when I was desperate for a vehicle to continue commuting to work. XXXX XXXX also did not let me see the contract and just clicked through themselves with a digital signature with my name listed. I want answers as to how a company can charge you almost 70 % on a vehicle loan at that time the vehicle being used and 8 years old. This loan should not have been approved knowing that the vehicle wasn't even worth the amount of the sale PLUS the finance charge.

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 2019-05-14
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Financial Investment has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I have filed a FTC report and contacted my local police department. I'm doing this on my own behalf. XXXX XXXX  XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to make payments that are suitable for me. However, Medicredit Inc would not help me with affordable payments. I am a single mother of XXXX and making payments that they require is hard for me. This company didn't give me the opportunity to make affordable small payments. I attempted to make payments. However, was sent to the Credit Bureau because it didn't fit the amount they wanted me to pay. 

Medicredit did not provide a written statement that includes an UNKNOWN debt of {$2900.00}

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 explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Equifax claiming that my data has been verified in violation of my rights.

Company response to consumer: Closed with explanation