BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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:
This account is not mine and not related to me. I am victim of identity theft and I do not want to be any longer in a position where I have all these issues in my report. Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened citi bank checking and savings account on XX/XX/2019 expecting the bonus of XXXX $ + XXXX $ account opening bonus. I have met the bonus criteria and i have been repeatedly told by citi customer care team that I am eligible for bonus and will receive the bonus in 90 days from XX/XX/XXXX. I kept my money in their account in hope of receiving the same. After waiting for more than 90 days from XX/XX/2019, I didnt receive the bonus. So i ended up calling the customer care and opened a dispute case with them. While opening the dispute case also, citi bank representative assured that I will receive the bonus in 20 business days. But today dispute has been finished and they are mentioning that i initially funded my account with " Citi Global transfer '', which I didnt. They coded the initial accoutn opening transfer I have done as Citi global transfer. I didn't had any other citi bank checking account ever in my name.

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 2018-05-16
Company: BTH Management
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop on my credit 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 2018-05-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted on three occasions at work by IQ Data International. The third occasion was after I had already explained that I am not allowed to receive personal calls at work and that it was not the time to talk about this. The man yelled at me after I told him I can not talk about this now and said give me a number I can call you and what time I can reach you and said " do you want me to report that you do not want to pay this debt? If you do not pay this, it will ruin your credit ''.

Times/Dates they have called me at work : 1. XX/XX/XXXX XXXX XXXX : Spoke to my former coworker at my old work number. My coworker stated he was very aggressive and rude and asked to repeat the call back number and asked to know what time I would be calling back. This can jeopardize my employment as I am not allowed to take personal calls at work. 

2. XX/XX/XXXX XXXX XXXX Called by a man that spoke to my former coworker by a wireless caller, at XXXX, whom threatened to ruin my credit if I did not pay and kept harassing me about paying after I told them I can not talk about this at work. Also, they are trying to embarrass me by talking to my co-workers in a disrespectful tone and being aggressive. 

3. XX/XX/XXXX XXXX XXXX : Caller dialing from XXXX spoke to my current coworker and asked that she make sure that I return his call. My coworker requested several times what his name was and he refused and reluctantly gave the name " XXXX ''. This third attempt was after I asked not to be called at work and I am not allowed to receive personal calls at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: ACS Education Services
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: Account status incorrect

Complaint:
My credit score dropped 78 points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my XXXX report. I reached out to ACS who is no longer is ACS but is now Conduent Education.

They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: AZ
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 refuses to delete collection account, XXXX XXXX, and continues to report false information. 
This account is not mine. 
Experian needs to delete this account from my credit report and send XXXX XXXX a corrected copy of reported OR Experian must add my personal statement to my entire credit file as follows ; EXPERIAN IS REPORTING FALSE INFORMATION IN VIOLATION OF FEDERAL LAWS AND/OR REGULATIONS. 

An updated copy of my credit report that includes my personal statement must be sent to everyone that has obtained a copy of my credit 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 2017-12-05
Company: EQUIFAX, INC.
State: GA
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: Didn't receive services that were advertised

Complaint:
There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. TransUnion states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

XXXX states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from XXXX. I contacted XXXX which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

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 2019-05-03
Company: EQUIFAX, 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:
i was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been repeatedly contacted by people from CBE Group. A quick XXXX search indicates that this may be a debt collection agency. Ive asked them to provide amplifying detail regarding the nature of their calls but they are evasive, not wanting to communicate until they get additional PII which I am not willing to give until I understand the nature of the call. Its highly suspicious. Ive asked them to stop calling but they continue. 
Theres no debt here and I am really concerned this is related to one of the numerous data breaches we have been subject to. What do I do to stop them from calling? The last two numbers they have called from have been XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
on XX/XX/2020, Bank of America reversed the transaction {$76.00} which XXXX had charged me for purchasing some items in the past ; but later I returned them the items and still have the return receipt as evidence until now but XXXX didn't refund me back my due of {$76.00} even after returning their products back to them. I deserve the refund back to my original credit card payment method which I used to pay for the products which I didn't keep but returned back to XXXX for the {$76.00} refund.

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 2019-05-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I put a piano for sale on XXXX on XX/XX/19. I received an email on XX/XX/19 from someone saying they wanted to send a cashiers check, and then have movers pick up the piano. I obliged, but told them if the piano sold first, i would ignore the check. i sold the piano to someone else on XX/XX/19. on XX/XX/19 i received a XXXX cashiers check for XXXX $ from the original buyer, and wrote them and told them the piano was sold, would you like to me to rip up the check. they said " no '', that they were in a bind, and if i would get the movers the money, i can keep XXXX $ for myself for helping them. it sounded like a win/win. i took the check to my local Wells Fargo, and waited until it cleared. On the morning of XX/XX/19, the check appeared cleared in my account, so i went ahead and sent XXXX $ total through XXXX, to two different people, because XXXX $ is the max, and was planning on sending another XXXX $ the next day. Later in the day, around XXXX XXXX, the check was returned, and the XXXX $ that appeared in my account was withdrawn. I had already sent XXXX $ and no one, not wells fargo, or XXXX XXXX, or XXXX wants to help me. the person is not answering my phone calls, and the one phone number i had blocked my number. It turns out it was a fake check, and can't believe wells fargo would make the funds available, and not recognize a fake check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In XX/XX/2019, I realized that my personal information was compromised via identity theft. I reached out to all 3 credit bureaus and requested that they remove the information for XXXX XXXX.Transunion did their investigation and then XXXX XXXX   was removed. A few weeks later, Transunion reinserted the fraudulent account by XXXX XXXX  without notifying me within the required 5 business days of reinserting by the FCRA. Since then I have sent several copies of my drivers license, social security card, identity theft report as well as a personal letter requesting that the information is removed. Transunion has used an EOscar menthod of investigation without and true explanation of why they reinserted the account, nor any written proof from XXXX XXXX  that the account belongs to me. I have requested verification and they respond that the account has been verified. I have received to documents that by law, I am entitled to. Transunion is not only in violation of my FCRA rights, they are defaming my name by reporting fraudulent information on my credit report. I will be filing a report with the attorney general in my area as well as filing a complaint with the XXXX. From there I will be filing a lawsuit and suing Transunion as well as 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 2017-11-21
Company: Bread Financial Holdings, Inc.
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 status incorrect

Complaint:
I have attempted to write and call XXXX XXXX  however, I can not get my credit report issue resolved. They responded in a letter that they were unable to provide a goodwill adjustment to my account. I was not asking for this, as I know I made a payment to my credit card every month. 
I have been having medical issues. I was trying my best to keep up with my bills to avoid having 30 days late and to keep my credit score in good standing. I was in constant contact with XXXX online or by phone. My issues begun in XX/XX/XXXX this year. 
Looking back through my account history, it appears that my late payment situation started with the XXXX XXXX, 2017, payment. I paid my payment on XX/XX/XXXX and I spoke with a representative who graciously refunded my late fee. 
I paid my XX/XX/XXXX payment on XX/XX/XXXX. 
I knew I was late again in XX/XX/XXXX so I spoke with a representative and was told that I was due {$320.00} ( including the XX/XX/XXXX past due amount ) for XX/XX/XXXX. I paid the full amount of {$320.00} on XX/XX/XXXX for both payments of XX/XX/XXXX and XX/XX/XXXX. 
After seeing my credit report score drop significantly, I realized that this account is showing 30 days past due for XX/XX/XXXX. Im not sure how that can be since I paid the full amount due of {$320.00} on XX/XX/XXXX. 
If the full amount was not paid on that date, then the account shouldve showed past due in XX/XX/XXXX, which it did not. 
My account has been paid on the due date for the past 3 months. XXXX does not want to discuss my situation by phone and I have to keep writing to them to try to resolve my issue. This process is not consumer friendly and I do n't know where to go from here. I am asking for help to review my account and to hopefully have the 30 days late removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: WELLS FARGO & COMPANY
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:
Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The Wells Fargo Bank - Acct No. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).

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 2018-05-16
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent certified letter ( have receipt ) seeking validation of debt : a contract bearing my signature proof that I have a contract with them ... they offered other than signature proof? I sent a second letter stating I only accept proof by contract with bearing my signature. Their response was '' As we have previously fulfilled our duty to provide you with verification, we will not respond to any such requests in the future. '' I decided to investigate and see if this company is surety bonded to be a third party collector ... .I can not find their name listed in the Secretary of State listing file, nor can I find the information by searching the Secretary of State database for the company name and address as listed in my credit report. It was search of my credit report I discovered this bill while doing a complete house cleaning of my credit. I have copies of the original request for validation and it states clearly I seek only a contract bearing my signature with them to collect any monies from me ... and that is what they are not providing. I have concerns since my bank once sent me a notice of possible identity theft attempt on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
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:
I am a victim of ID Theft since XXXX I have been victimized several ( 3 )  times throughout the years. My most recent was in XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX and XXXX check systems, Companies XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of XXXX XXXX, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, XXXX XXXX, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BBVA Compass blocks the use of my atm card because they believe it has been used fraudulently. They flag my card because I am traveling and I use it in a foreign country. I notify them that there is no fraudulent use, all transactions are mine, and that the card is in my possession. They refuse to unblock the card until I show them at a local branch that I am actually the correct person with the card. How am I to do that when I'm 14 hours by plane from home? They expect me to stop my vacations/travels, fly to one of their branches, prove who I am, and then fly back to continue my vacation?

I do not have any access to my money/accounts when I need it most ( traveling ). They have effectively kept me from my money until I return home and they make it extremely difficult. 

The latest occurrence was on XX/XX/2018 and I still do not have access to my accounts. This is the second time this has occurred while traveling.

Company response to consumer: Closed with explanation