BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: NC
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 disputed a fraudulent charge on my Equifax report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After Equifax ruled against me, XXXX then followed Equifax 's lead I then sought to send Equifax information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to Equifax to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XXXX XXXX First reported in XXXX XXXX for collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is regarding the Public Service Loan Forgiveness Program. I 've been with the same qualifying XXXX   employer since XXXX, have been in a qualifying repayment plan for the last 3 years after finding out that the plan I was in was not a qualifying plan, and have made payments on time each month. After switching to the XXXX XXXX as directed under the program for an assessment of my eligibility for the program earlier this year ( XXXX XXXX ), I  was just informed on XXXX XXXX, XXXX that none of my payments since switching to the qualifying repayment plan were qualifying payments. When I spoke to a representative from XXXX XXXX, she said that my prior loan server had me in a plan with loan terms that were not qualifying. Nowhere in the information posted on the Department of Education 's website about the program does it discuss the qualifications of a plan with respect to loan terms. I stated this to the XXXX XXXX representative who noted that there are a lot of details about the qualifying loans that are not posted. As a result, I do not know if the assessment of my payments is accurate to make the non-qualified payment determination. It 's also unclear to my while my previous loan servicer, XXXX XXXX, put me in a repayment plan with terms that do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: FIRST ADVANTAGE CORPORATION
State: OH
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:
XXXX XXXX of XXXX, XXXX did a back ground check for XXXX XXXX XXXX in regard to a XXXX XXXX XXXX. They have incorrectly listed a case from XXXX XXXX XXXX XXXX XXXX, XXXX CR XXXX as a felony when it is in fact a misdemeanor, as shown by the Bill of Information and the Termination entry. The matter stemmed from patrons of a XXXX house in proximity to my residence and the associated XXXX trespassing through my property. 

The records are online through the clerk of courts, as docket entries. 

I can fax copies if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Block, Inc.
State: MI
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:
This is my third time opening this case and I will be taking cash app to court if I am not helped and refunded I got my card fraudulently used cash app refuse to refund me been calling them emailing them everyday still nothing refuse to help employee dont care rude by the way and alway give the same response will be making a class action lawsuit and I already have a list of other people they refuse to help I will be attaching my cash app and everything they refuse to help me with they just keep responding that I am not the account owner ( which I am ) they are a scam company they also closed my cash account because they refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was forced to apply for Care Credit which is a service provided by XXXX XXXX. XXXX XXXX forced me to apply for this credit and I was approved. I was harassed to charge up the card to the limit once the card came in. Little to my knowing the XXXX  agency had already contacted XXXX XXXX and charged up XXXX dollars to the card without my permission or knowing.

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 2017-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
sent police report still XXXX XXXX not taking off cra not mine violation of my rights

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 2017-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
REGARDING THE COMPLAINTS I JUST FILED XXXX ENDING XXXX AND THE XXXX MOST CURRENT XXXX XXXX. I FOUND LETTERS FROM BANK XXXX DATED XXXX/XXXX/XXXX STATING THAT THESE ACCOUNTS WERE FRAUDELENT ON CARD ENDING ON XXXX I AM ATTACHING THEM AND I NEVER RECIEVED ANYTHIG AND THAT IS FURTHER PROOF OF WHAT HAS TAKEN PLACE BY THE BANK AND THEY NEVER MENTION NONE OF THAT AT ALL AND TRIED TO COMMIT FRAUD. I EMAILED THE CORPORATE PRESIDENT. I HAVE EVEN FURTHER PROOF OF THE LIES THAT HAVE TAKEN PLACE. I EVEN FILE POLICE REPORTS AS WELL AS 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 2022-03-06
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX to after five months and 20 days PayPal stole {$5800.00} from my account and refuses to tell me why or what damages they incurred in order to steal this money from me. They are committing securities fraud. They are a total scam. They claimed they would give me my money back in 45 days at first if no damages were found. Then they claim they would give it back after six months and 10 days before that date they stole all the money. On XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: GOLDMAN SACHS BANK USA
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: Old information reappears or never goes away

Complaint:
I Have An XXXX and every time I go to fill out an application for one of there Apple credit cards There continuously sending me back a denied letter based off information thats not even in Any Of My Credit report theyre literally using the same Credit information from like two years ago exact same credit report that I had two years ago I worked on my report and got everything in there fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: DISCOVER BANK
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:
Credit Card : XXXX XXXX XXXX. XXXX Account XXXX. 

A cosmetics company charged my credit card when I specifically told them not to. I disputed the charges, totaling roughly {$400.00} to Discover Bank. They gave me a temporary credit and notified the merchant. 1 month later, the merchant ressonded with " screen shots '' of their website ( nothing more ) and XXXX reversed the charges. The merchant provide no evidence that I gave permission to charge my card, nothing with my signature. 

On appeal, i sent XXXX evidence that this merchant was a scam and has scammed other people. They ignored me saying that " THEY ALREADY KNEW THAT ''. Really ... already knew that? Then why are n't you canceling these charges I said. They have not responded since. 

I was on the phone at the beginning with this merchant and warned them DO NOT CHARGE MY CARD. They did it anyway after they tricked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I checked my credit report for errors. Upon checking my XXXX report I saw that there was a collections account for {$47.00} being reported that had been removed the prior year. In XXXX, the account was owned by XXXX XXXX XXXX XXXX and was removed because it could not be verified as mine. I never received verification information from XXXX XXXX XXXX XXXX. Now the account is being reported by Credit Systems International Inc. ( CSII ). I have reached out to this company by mail twice, XX/XX/XXXX, and XX/XX/XXXX, to dispute the validity of this account. On XX/XX/XXXX, CSII responded to my first letter, but did not supply the verification information I requested ; however, the account has temporarily been removed from my XXXX report until their investigation is completed. In their response it is stated that XXXX XXXX XXXX is the original owner of the account, but no contact information was provided. As of today, XX/XX/XXXX, it has been almost two months since I've received communication from Credit Systems International Inc. I am placing this complaint because I fear this account will be sold to another company again, and I will be forced to repeat the dispute process repeatedly for an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has access to my personal information and is ruining my credit by making outrageous purchases and inquiries. I have no knowledge of what or who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Fidelity National Information Services, Inc. (FNIS)
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 have previously disputed this account but did not attach a copy of the police report from the theft that caused the identity theft. My office was broken into and my identity documents were stolen. Several accounts were opened in my name without my knowledge. I have disputed this directly with ChexSystems and directly with XXXX XXXX XXXX but have not had the item removed yet.

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 2019-08-05
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX -- XXXX I received a letter From Professional Credit Service Regarding aXXXX XXXX XXXX  XXXX a violation for a XXXX license for a XXXX that XXXX away almost XXXX years ago. I sent a certified letter for them tp provide XXXX XXXX XXXX XXXX name and address of original creditors Documentation showing that they have verified that I am responsible for this dept, or a copy of any judgement. 

Documentation that they are licensed to collect debts in WA XXXX. 

I notified them that I was in the XXXX day window and that I was disputing dept and to stop all further collection attempts until they provided requested information. 

They received my certified letter on XX/XX/2019 and I have signature for the certified letter. 

They continue to call which I can provide phone records and they sent another collection notice on XXXX, XXXX XXXX. 
They have not provided any of the information that was asked for in my certified letter which they received on XX/XX/2019. Following the guide line provided by the federal Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I Have An XXXX and every time I go to fill out an application for one of there XXXX credit cards There continuously sending me back a denied letter based off information thats not even in Any Of My Credit report theyre literally using the same Credit information from like two years ago exact same credit report that I had two years ago I worked on my report and got everything in there fixed

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 2017-11-08
Company: Google Compare Credit Cards Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Identity theft, known per local XXXX report XXXX XXXX. XXXX continue to get unauthorized charges to XXXX XXXX XXXX card for XXXX XXXX, XXXX and XXXX XXXX. I do not have these accounts. I never authorized. 

I contact XXXX XXXX and they blame me or my XXXX XXXX XXXX son. This has to stop. 

XXXX XXXX says they put fraud alert but to block I have to call the number on the back of every new card I get from them and it never happens. I tell the police and get report numbers. I have XXXX XXXX account statements. 

I do not have XXXX XXXX, XXXX or XXXX XXXX XXXX accounts. Ca n't get through to block these unauthorized charges to my XXXX card so I closed it. 

I closed the XXXX XXXX account yesterday due to their incompetence. XXXX XXXX had ID theft name and address for XXXX years without telling me until XXXX via XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an open collection account on my credit report for a XXXX account that I have never been past due on and is still open and active. I contacted XXXX several times to confirm this and offered additional payment. I have not received an invoice or any itemized list of what this amount includes after submitting a dispute. I tried contacting the collection agency, Credit Management, to pay this balance so that this can be removed from my credit report as it is negatively impacting my ability to rent an apartment. They refuse to accept payment or do anything with this account so I'm not sure why this is being reported, what it is being reported for, and who I need to pay to settle the account and have this debt removed from my credit report so that I can participate in society by renting an apartment instead of living in my car.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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: Account information incorrect

Complaint:
An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of XXXX as of XXXX. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the XXXX XXXX is upward of XXXX states including my XXXX XXXX, debts that do no derive from consumer credit transactions should not be reported to CRA XXXX credit reporting agencies XXXX. TransUnion, XXXX, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider XXXX XXXX of XXXX 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 2017-11-08
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Comenity Capital Bank has not adjusted any of my late fees that I was told I would not be charged back in XXXX XXXX. I have continuously been told that I can ask for a new promotion for the interest to my line of credit however, every month the bill continuously increases. Comenity Capital Bank is continuously reporting the credit bureau of inaccurate balances and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
sent police report still trans union not taking off cra not mine violation of my rights

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 2019-08-05
Company: EQUIFAX, INC.
State: CA
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: Information is incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

( XXXX ) INITIALS : XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) ( XXXX ) XXXX XXXX   XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX  ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Westlake Services, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am late paying my car note ( 5 days ). The creditor has called me 20+ times in the past 4 days. Tonight ( Sunday, XX/XX/XXXX ) they called me 3 times in a row. As soon as I hang up, they call right back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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:
On XXXX/XXXX/XXXX, I received notification from the XXXX credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XXXX XXXX. I requested for balance loan to be updated with the XXXX credit bureaus and was denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.

Company response to consumer: Closed with explanation