BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} ; MEDICAL XXXX Balance : {$32.00} ; XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I initiated a balance transfer with Chase on XX/XX/23 of {$5000.00} for a 12 month promotional 0 % interest. I did this online. 

I received my XXXX bill with interest, so called in to make sure the promotion was in effect. I was told it was, but due to the terms of the balance transfer interest was charged on new purchases from the date of purchase instead of a traditional billing cycle. I said I was not told this, and they explained the agent had to go over these disclosures on the phone before allowing it to go through. It took two explanations from myself that it was not done with an agent but online before she said that I still acknowledged this would happen. 

I humbly admitted I'm sure did not read XXXX & XXXX 's of something like this before hitting " Accept ''. I asked to be emailed a copy of what I signed. It was stated that it could not be provided. 

Now, at this point I decided would just use another card for regular purchases to completely avoid this in its entirety. However, tracking down the all the pieces the card was tied to was problematic. But when charges came through, I made immediate payments to clear those charges to ensure no interest would be charged. 

However, I am now learning that Chase has been applying my payments with significantly higher priority to my brand-new 0 % balance transfer instead of the purchases that I had made that would be accruing interest. In addition, you are not able to see how your payments are applied in this fashion until your next statement when that interest has already been accrued. 

For my XXXX payment of {$2300.00} to clear all non-balance transfer charges, {$500.00} of that was used towards the 0 % balance. This is clearly in an effort to force the consumer to pay interest on their purchase. At a XXXX, {$450.00} would be the needed amount paid by month to have a this {$5000.00} transfer paid off in the 11 months by its due date. To take even more than this is blatant manipulation of payment to force consumers to pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Messerli Kramer bought my credit debt from XXXX XXXX They have garnished my paycheck twice now when I have been on medical assistance. They have not credited me the amount they have illegally garnished from me and continue to try to ask for more proof of me being on medical assistance over and over again. I switch jobs and they instantly ask for proof of medical assistance which i provide and they still garnish for a short time never giving me credit for the amount taken. They have garnished over {$800.00} that has not been credited to my amount owed and continue to try to garnish my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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 information incorrect

Complaint:
I closed my XXXX XXXX account on XX/XX/2023. My XXXX XXXX report shows incorrect information for items that were returned. The amounts that were returned were trial deposits from an external bank. There are other inaccuracies as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-10-23
Company: SYNCHRONY FINANCIAL
State: IL
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 XXXX had notified me on XX/XX/22 that I had a hard inquiry ( for a new card apparently ) from Synchrony Bank out of XXXX, Florida that I did not make of never even heard of prior to this incident. I contacted the company during my lunch break the following day on XX/XX/22 & I spoke to two representatives & they said they can only access that account with either my account number ( which I dont have with them ) or the last 4 digits of my social security number, which I refuse to give them since I dont trust them with that info.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Genesis FS Card Services, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Approximately 2 weeks ago I received a credit card in the mail that I NEVER sought to obtain. The card is a Mastercard issued by XXXX XXXXXXXX XXXX and/or Genesis FS Card Services . I saved yet never activated the card choosing to ignore the mail as junkmail. Then today XX/XX/25 I received an payment statement from the same company for said credit card stating that I owe {$59.00} for the Annual Fee and Credit Protection Fees. I immediately called the company and stated that never have I inquired to have this credit card. They supposedly cancelled the card and told me to go to identitytheft.gov and fill out a complaint then either mail or fax them a copy once completed. Thru that website I was somehow steered here hoping for help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In trying to resolve another incident, whereby Navy Federal Credit Union told me they would make a soft inquiry on my credit report and then instead made a hard inquiry, Navy Federal Credit Union emailed me a copy of XXXX XXXX XXXX 's XXXX card number. 

The unauthorized use of my credit report is captured in CFPB incident : XXXX. 

I 'm creating this incident to reflect that XXXX sent me someone else 's credit card information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. 
The reason PayPal claimed is that in a transaction I ( the seller ID @XX/XX/XXXX ) had with another user ( the buyer ), was not authorized by the buyer ( he was hacked according to PayPal XXXX, then the fund I received was put on hold and then released to the buyer. 
The transaction was for a Bitcoin sale ( two transactions, BTC XXXX and BTC XXXX correspondingly, around USDXXXX value ) through a P2P trade utilizing the exchange called XXXX, all the evidences of the legitimacy of the transaction was delivered to PayPal . 
PayPal gave me no proof that the buyer 's account was in fact hacked. Even if the hacking was true, I am fully innocent in this case and I lost my fund, I delivered proofs that my transaction was legitimate, and even though PayPal have taken my cash balance received in PayPal account. 
PayPal said this is the final judge about this case, but I searched and found that I could file a report on here as I feel they are far from doing their job in a fair manner, properly and it is effecting me a great deal as I used PayPal quite frequently and I depend on my funds. My email linked to my PayPal is XXXX and PayPal account is @ XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inquires that have hit my credit file which are AMEX XXXX, XXXX and XXXX I did not apply for credit with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International company spams people. I got a call from them one day stating that I owe some amount to my previous landlord. I know for a fact that we did not owe anything! In fact our landlord had returned us a part of our deposit amount after deducting all the move out charges. I contacted my landlord to find if there was any goof up and they told me that I owed them nothing. Moreover the apartment complex told me that IQ Data International are not their debt collectors.
  
  The lady on the phone insisted that I pay through credit card and that the payment must be done that day itself in order for her to waive off the interest amount. She sounded very legitimate - she knew the names of my previous roommates and she gave me a break down of the charges. When i refused to pay immediately, she transferred me over to another colleague who asked me what was stopping me from making the payment. All in all, it did sound fishy. They have even reported the fake debt on my credit report.
  
  They keep calling me regularly now. Infact they have even got hold of my office telephone number and they left a voicemail on that.

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 2023-06-09
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:
XXXX XXXX - XXXXXXXX XXXX 12 POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX - - XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX - - XXXX - - - XXXX - - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX XXXX XXXX CO - - PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} ; MEDICAL XXXX Balance : {$32.00} ; XXXX XXXX, XXXX XX/XX/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 2022-07-19
Company: EQUIFAX, INC.
State: VA
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 fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$19000.00} ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I  called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a XXXX XXXX. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a XXXX XXXX. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a XXXX XXXX, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.

Company response to consumer: Closed with explanation