BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: DISCOVER BANK
State: WA
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:
Based on the statements enclosed fraudulent transactions were posted in the amount {$7400.00} from XX/XX/XXXX through XX/XX/XXXX. According to the statements the majority of the transactions are consistent with common fraud. {$2500.00} are large online purchases or card not present transactions. The other main purchases are large amounts with XXXX XXXX XXXX ( {$1500.00} ), XXXX ( {$790.00} ), and XXXX XXXX ( {$250.00} ). In addition several gasoline transactions took place on days when I was at work ( XXXX XXXX XXXX, XXXX. ) This is undeniable fraud because I have only commuted to work by bus or bicycle for 13 years. Additional purchases were made online during weekends. The fraud is flagrant. All the transactions were perpetrated in the course of 67 days. The amount spent was more two months of my take home pay. I believe the reason that Discover will not release the original application was because they also verified the application with a cell phone number. This is also impossible because I did not have a Cell phone until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BQ & Associates, P.C., L.L.O.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
These people purposely gave the sheriff an address I haven't lived in since XX/XX/XXXX. I was never served nor did I know they were handling this account. I have been disputing it with XXXX I am 100 % sure they have my current address on file. We have mailed each other back and forth with my current address. They should have had my current address from XXXX when my file was transferred to them. This company was neglectful and denied me my legal rights as an American to defend myself from a lawsuit. 

They claim the account was originally opened with XXXX XXXX XXXX in XX/XX/XXXX. I have been living in my current address at that time. Wouldn't my current address be on the credit card application? 

I called them twice today. She asked for my info but I decided to give her my last 4 and phone number being that I didn't trust them. I wanted to know the address the supposedly served me at. Then they agent told me that's the address they have on file. I called them again for the second time after I called the court to inquire about filing a motion. I reached the same agent again. I asked to speak to the assistant attorney as advised by the court clerk I spoke to. The agent denied my request. She said the attorney doesn't talk to clients unless at court. She said she can give me the information I needed to know. She then admitted that they also have my current address on file. I asked her why woukd they give the sheriff an address that I don't even live in and she answered " that's the address you must have used when you opened the account ''. 
I asked her how is that possible if I haven't lived there since XX/XX/XXXX? If account was opened in XX/XX/XXXXit would be under my current address. I proceeded to ask her how they got my old address and she said " we don't have to tell you that, that's privilege information ''. 

One moment they claim I owe {$710.00} ( on report ) The next they claim I owe {$820.00} ( credit report ) Then it claimed I owe {$830.00} ( credit report ) Today they said I owe {$830.00}. ( Credit report ) I will be filing for a motion as well as countersue, but also needed to file a complain to shed light on their shady business practices. It got so heated that I couldn't even finish asking my question because of the agent repeatedly speaking over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
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: Account information incorrect

Complaint:
Equifax is incorrectly reporting that there was a missed payment in XXXX 2017. I have made all payments on my account on time, and have email confirmation for this payment. I have submitted a dispute through Equifax four times, yet they have never proceeded to correct their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: AES/PHEAA
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 information incorrect

Complaint:
XXXX is incorrectly reporting that there was a missed payment in XXXX 2017. I have made all payments on my account on time, and have email confirmation for this payment. I have submitted a dispute through XXXX four times, yet they have never proceeded to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After living at XXXX at XXXX XXXX XXXX for over two years I suddenly started feeling sick and felt a weird sensation coming from the upstairs neighbor 's apartment. I often heard a rolling sound following me as I moved. I went upstairs and told my neighbor that something was making me feel sick in my bedroom and asked if she noticed it too. She said she wasn't sure of what it was. I also saw several maintenance men in her apartment, pest control, and they even replaced the carpet. 

During that time I started to having someone attempts to break into my apartment at night. My front door had two locks. One that is accessible from the outside and the other that can only be accessed inside. One night, while getting a drink in the kitchen, I noticed someone unlocking the bottom lock using a key. Thankfully the top lock was bolted and they could not gain access. I reported it to the apartment manager and requested that the locks be changed. The locks were changed, but the same thing happened twice again. All these incidences were reported to the XXXX County Sheriff Office. 

Shortly after the man downstairs, got sick I found myself in and out of the ER and the doctor 's office. The final event that frightened me so much, I knew I could not stay there any longer. On XX/XX/2018, at XXXX XXXX I was at work and I got a notice on my phone my personal camera detected motion. When I looked at the footage I say a maintenance man entering my apartment to replace an already clean AC filter. The apartment policy is that filters are replaced by the residents. After he walked into my apartment, he moved my camera out the way so I could not see what he was doing. Once I got home that day I started searching for a new place. 

Once I found a place I asked the apartment manager if she would let me out my lease citing the maintenance staff incident. She agreed and we both signed a document that ended the lease on One XX/XX/2018. I already paid the month of XX/XX/XXXX and left 17 paid days on the lease. The manager soon leases the property to a new tenant and I know this because I had to visit the property to retrieve a misdelivered package which was never found. There were moving boxes outside the apartment indicating that someone moved in. 

In XX/XX/XXXX, over a month later, I received a bill from the XXXX at XXXX XXXX for {$930.00} the remaining balance in XX/XX/XXXX ; knowing that it was being lived in by someone else. The account has since been placed in collections and my credit ruined because I refuse to pay for someone one else to live in that apartment. 

Enclosed I have a list of police reports provided by the XXXX County Sheriff Office and a photo of the maintenance man entering my apartment. I can also provide the video if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
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:
Company : XXXX XXXX XXXX. 
Vehicle:XXXX XXXX XXXX XXXX VIN : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Southwest Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST RECOVERY SERV is the collection company that has reported a bad debt on my credit report.i have contacted them and requested a copy of the contract that was signed to prove i have signed for this. I feel like i have been a victim. they will not provide a copy of the agreement and told me to file a dispute with the bureaus. i filed a dispute and XXXX has requested for me to provide proof it doesnt belong to me or resolve the problem with Southwest Recovery. I tried to file a police report as well and the police department told me to file a dispute with the credit bureau. now you can see i'm getting the run around. What is my recourse?

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 2019-09-25
Company: BB&T CORPORATION
State: NC
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:
BB & T charged my small business ( XXXX XXXX XXXX ) a non compliance fee from XXXX XXXX. The fee was not clear and conspicuous on my statement. When this fee began in XX/XX/XXXX, the bank did not make it clear to me ( and probably many others ) that I was to do a compliance survey yearly. They never gave me a clear and obvious reminder each year to resubmit a new survey. They recently told me it was MY 100 % responsibility to submit the survey. They ( BB & T ) had no responsiblity to remind me. They were never proactive in nearly 10 years to ever give me a heads up or a courtesy notification that I had not done this survey. I just discovered that this item has been charged to me since XX/XX/XXXX. They stopped sending me paper statements in XX/XX/XXXX, because they started charging me to send them. They raised the non compliance fee on 4 occassions without full, clear, conspicuous, prior notification. I did the survey in XX/XX/XXXX when they made it clear it was required. If I had known I was receiving a penalty for not doing the compliance survey, I would have obviously done it. I know this has to hit other businesses like mine. I feel they don't want to give me a heads up, so they can collect the penalty fee. Also, in my appeal to the bank to forgive this penalty, that is completly unfair, they have been mostly difficult, sometimes rude, and non transparent. At this point today, they have been unwilling to give me the total penalty fee that has hit me for nearly 10 years. My online statements only allow for me to look back 18 months.

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 2019-09-25
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This XX/XX/XXXX, my XX/XX/XXXX escrow analysis showed an escrow shortage. As a result, my mortgage company gave me two payment options : 1 ) pay it through an additional {$100.00} a month added to my monthly payment or 2 ) pay the entire shortage up front with a {$31.00} increase to my monthly payment. The second option confused me but I looked at it as a proactive preventive escrow shortage increase, so I thought okay. I too like to move proactively so I paid the escrow shortage in full but went a step further by taking the additional {$31.00} increase multiplied it by 12 and sent that in amount as well ( marked for escrow only ). This was done so that I could stay within my tight budget for the next year and continue paying what i was paying prior to my escrow review however, my mortgage company is still charging me the {$31.00} increase with my monthly payment. I've reached out multiple times asking them to make the adjustment to my monthly payment, but they said they can't make any changes after the analysis is done. I've talked to FHA, XXXX, HUD Counseling and, XXXX XXXX and all advised that my payment should be back to the amount prior to the escrow analysis since the shortage plus an additional payment was made. XX/XX/XXXX will be the third month paying this additional amount and still they have not made the adjustment. With the two escrow payments made plus the regular monthly payments my escrow will be funded with enough to pay all my insurance and taxes plus have the required two month federally mandated minimum left over.

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 2017-11-22
Company: ALLY FINANCIAL 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:
There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never 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 2019-09-25
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was notified of a collection alert on my credit report with XXXX  via email. I logged into XXXX  and viewed the collection. I contacted to original owner twice and in the second call today I and was told to settle this account with the collection company as they sold it to them. I explained to the original owner of this debt that I never received any certified or uncertified mail, calls or any correspondence of any sort about any debt I owed them before it was sent to a collection agency which then admitted to not communicating with me about. 

On XX/XX/2019 I received a response from XXXX XXXX from Penn Credit Corporation that Penn Credit was full aware that they had sent some unknown notification to a non-deliverable address which the post office confirmed I did not live at which just so happens to be the address of this alleged utility collection which I provided evidence of not residing at. I have never see. Any credible validation of this debt. I contacted Penn Credit on XX/XX/2019 requesting communication and debt validation and they failed to response to me or send anything to me about this alleged debt within the regulated time frame according to FDCPA : The Fair Debt Collection Practices Act ( FDCPA ), enacted in 1977, requires that debt collectors provide consumers with certain information during or within five days of initial communication, including, among other things, information about a given debt and the consumers right to dispute the debt. 

I dispute this debt for the XXXX time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Observed this company post a trade line on my XXXX  report on XX/XX/2020. Have received no correspondence from company as to who they are, what they are attempting to collect, etc.

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 2019-09-25
Company: CITIBANK, N.A.
State: AZ
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:
XXXX XXXX XXXX XXXX on XX/XX/2019 because of refinancing current home, notified me of 1 outstanding bill from Macys. First  time I heard of bill.Contacted Macys who told of bill being sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ.and was never forwarded to current address of XXXX XXXX XXXX, XXXX AZ. Also said they left a voice mail which I never received. They indicated I should contact Post Office for tracking, Post office said they said do not do tracking on letters. Contacted Macys again and said nothing they can do. This discrepancy lowered my credit scores 100 points. Contacted credit score services, XXXX, XXXX. After investigation said theres nothing they can do. Asked what type of investigation was performed, but could not respond. XX/XX/2019 went to credit department for Macys in XXXX, Az but said they dont handle such matters. They recommended going to service department in an actual Macys store. When I did go to store they told me there is nothing they can do. Therefore no recourse for Macys errors.

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 2019-09-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
According to state revised code : The XXXX XXXX account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed a dispute sent through certified mail with XXXX XXXXXXXX on XX/XX/XXXX because I was informed about negative information reported by " XXXX XXXX XXXXXXXX. '' that stated to validate this information with " XXXX XXXX XXXX/XXXX '' and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file maintained under my Social Security number. All 3 student loans listed with a reported balance is {$0.00} but still reporting negatively. I received a reply from XXXX XXXX on XX/XX/XXXX, which is within the 30 days to complete the investigation as per the FCRA verifying the information as accurate but no documentation bearing my signature in which I requested. Next, I sent another letter through certified mail to XXXX, XXXX on XX/XX/XXXX stating to provide a reinvestigation within fifteen ( 15 ) days of completion. Also, additionally to please provide the name, address, and telephone number of each person contacted regarding this alleged account and again to formally request a copy of any documents provided bearing my signature. I 've also reminded them of the " XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal. XX/XX/XXXX ), they may be liable for your willful non-compliance. I received a reply from XXXX, XXXX on XX/XX/XXXX, which is within the 15 days to complete the reinvestigation verifying the information as accurate but again for the second time no documentation bearing my signature for these student loans that I formally requested.

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 2019-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo submitted inaccurate information to the credit agencies. The supposed credit balance they submitted is {$1700.00} with {$1700.00} credit limit. They sent me documents to prove this what I would them. The documents Wells Fargo sent me are inconsistent with what's on the credit reporting bureaus. 
No signed credit card agreement. 
Wells Fargo is attempting to justify fake credit card account by showing me overdraft statements from the checking account I had with them. I do not know how that justifies a credit card agreement. 
The so-called credit card statements show a credit limit of {$700.00}. Nowhere does it show a credit increase.

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 2018-03-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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