BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX XXXX Balance {$5200.00} ; XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX Balance {$1100.00} ; XXXX  XXXX Balance {$1000.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX  XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX  Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unauthorized withdrawls XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Did credit my account and then took the money back When i tried to calling to resolve. Banker just hung up the phone and was given a email to contact some which is not exist XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A third party shared my personal information with Experian regarding a civil matter without my express authorization. Therefore, Experian and this unknown party are involved in Identity theft. According to 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions Please have Experian remove the bankruptcy.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 items immediately : 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 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 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 2017-12-15
Company: HOVG, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX claims I have outstanding debt with them. This is a liability that they are fraudulently attempting to collect from me. I assume the result of identity theft. I have never heard of them, or of the original creditor ( XXXX XXXX XXXX ) that they claim the debt stemmed from. I have never been contacted by XXXX XXXX XXXX, and the first I heard of XXXX XXXX XXXX is when I learned of the derogatory remark on my credit report. They have NEVER even attempted to contact me. 

On XXXX/XXXX/XXXX, I submitted a dispute through their website. They have yet to respond to me, as they know they have acted with reckless disregard and are at fault. See attached for confirmation of the dispute I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with Fair credit reporting act XXXX XXXX XXXX has XXXX my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

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 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With comenity doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....

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 2023-01-02
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've never been a Best Buy cardholder with Citibank and I've corrected them on this issues in the past but they keep calling my phone number asking for someone else. I've told them to remove my phone number from their system and I've been told I need to contact 'someone else ' to get that handled... I'm sick of getting these phone calls and I've had to block them. 

I just received a phone call at XXXX XXXX from XXXX but they've also called from XXXX ( XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX ) and XXXX other times from the same number repeatedly over the last XXXX I want them to remove my number and quit calling me for someone else 's debts. It's excessive and I have to keep my phone muted to avoid their calls going off while I'm working.

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 2018-07-17
Company: Risecredit, LLC
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 status incorrect

Complaint:
I disagree with the reply since my request to have a copy of the transcript of the telephone conversation on XX/XX/2018 regarding the settlement that they have reviewed was not furnished. Last response i got is that my complaint was duplicate, this is a followup complain since my request for the call was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My wife was enticed by a company called XXXX XXXX to sign up for their dance instruction videos. Their website clearly showed a 7 day free trial and implied that the card would not be charged until the 7 days were up. On XX/XX/2020 they charged the full {$99.00} for an annual subscription. When we contacted them on XX/XX/XXXX about cancelling within the 7 day window they declined to refund and didn't respond when we pointed out the 7 day free on their website. This led us to challenge the charge with the credit card company Capital One XXXX card on XX/XX/2020. Capital one says we didn't provide proof of cancellation despite us showing same with emails. Capital One is enabling scammers like this by not refunding what is obvious deliberate fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The first call is to a number I do not have listed with any creditor. 

On XX/XX/2023 at XXXX, I received the first call from Credit Corp Solutions trying to get ahold of me from the number XXXX. I informed them that I would not be verifying any information and that they should communicate via mail only and that any attempts to contact me by any means would be a violation of the FDCPA. The caller then got aggressive trying to get me to identify myself and to find out if I knew the debtor. I informed him once again he is violating the FDCPA by continuing the call then I hung up. 

On XX/XX/2023, my mother received a phone call from ( XXXX ) XXXX at XXXX. The person on the phone refused to give their name and company then continued to badger her into giving them my information. I told her to hang up and I will call them back. At XXXX, after doing research, I called them back to see who called. I spoke with XXXX XXXX XXXX XXXX XXXX and informed her that her company has violated the FDCPA by continuing to make calls to others to get ahold of me in addition to harassing my family. I informed her that they only had my permission to communicate with me via mail only. She remained quiet so I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-17
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have struggled with determining how much I owe to AES. I have two loans : 1. XXXX XXXX ( {$77000.00} due ) 2. XXXX XXXX ( {$3000.00} due ) When I log on to the account, I can not determine which loan payments apply to which accounts. I can not view the details for both loans. When I called two months ( XX/XX/XXXX ) ago to alert them to the problem, they said they would fix it, apologized for the debt calls, and told me I was up to do date. Since that time, I have made 3 payments : XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX The amounts vary from the monthly due amount because their online system always states that I owe a late fee. 

I received a debt collection call that I was XXXX past due. I knew this could not be true because I was told in XX/XX/XXXX that I was up to date. Since XX/XX/XXXX, I have made {$650.00} dollars in payments. I logged on to see how much I owed. It is unclear because the 2 loans are not reflected in the correct place. The AES customer service employee told me to " disregard '' the summary at the top and just focus on the " payment '' portion. I did. However, the payment history does not accurately show how much I have paid. For the XXXX XXXX account, it does not show a payment history at all. I scrolled to the bottom. I tried to pull up the paper/pdf bills. They both are labeled " XXXX XXXX : and only one contains a pdf/ The only pdf is for the XXXX XXXX account. i am not able to view the XXXX XXXX bill at all. The customer service person hung up on me when I asked for more details. I called back, and I was disconnected. I am very frustrated. I am just trying to pay the bill, but I would like the account to accurately reflect the amounts paid and applied to the correct loans. I want to resolve this, but I can not do so if I have no way of determining the amount owed, past amounts paid, and what amounts were applied to which account. Please help me determine the following : - A full accounting of each loan for one year ( XXXX XXXX- XX/XX/XXXX ). 
- Corrected online information for accurate viewing, paying, and bill summary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the 2nd year that my mortgage company Freedom Mortgage is almost late paying my property taxes. This is totally unnacceptable. I received a letter from my county stating that taxes are due and the mortgage was late sending payment out. This is a big inconvenience as I almost had to come out of pocket to pay it. Something needs to be done with them. I rather have another Mortgage servicer.

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 2023-07-29
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First of all, I want to start with that my first complaint about the XXXX XXXX in your file from 2020 was never resolved. The creditor had charged my account twice for a product not ordered nor received. They only credited me once, so the amount is still owed to me, please follow up. 

Secondly, I now receive a debt collection request from XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, or XXXX XXXX XXXX, XXXX, NC XXXX, original creditor XXXX XXXX XXXX XXXX {$4000.00}, phone ( XXXX ). I requested validation of debt since the original creditor disputes the existence of this account. 

Instead, I receive an ID theft form that asks for all my personal information. Certainly, I will not give this to a scam company, and ask that you request that this company pays the {$1000.00} FDCPA penalty directly to me, since they can not provide an itemized statement nor any validity of this debt within 30 days as requested when the first debt notice was received. Otherwise, JCS, XXXX would also need to pay my legal fees, while this matter will go to court in WA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today is XX/XX/2019. My name is XXXX XXXX, Address:XXXX XXXX XXXX. XXXX XXXX VA XXXX. 
I attempted various times to solicit my free annual credit report through the web site hosted by the 3 big repository data collection agency specifically TransUnion because and have found their system is constantly down. They ( the three credit bureaus make a lot amount of money from collecting my and other consumer information and can't do something as simple as maintaining a functional website which is unacceptable and Congress should do something about this. I am allowed 1 free credit check report per year and I have used the other 2 within the past year and Transunion report will not allow me to log in and get my 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 non-monetary relief
Consumer complaint received 2018-07-17
Company: Scott Fetzer Financial Group Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The co XXXX XXXX XXXX is claiming that I purchased a vaccum cleaner for XXXX! in XX/XX/XXXX. At an address I did not live at. Prior to XX/XX/XXXX they were reporting I owed XXXX $ now after I disputed and proved them wrong they are reporting it as XXXX Paid by dealer. This is not my account, I proved it is not even my address and who in their right mind would pay XXXX for a vaccum cleaner. It is absurd that credit bureaus allow any information to be placed on a persons file with incorrect address and SS #. This co reported my number no where close to what it is. Please help, this co calls my daughter at work cell phones sends mail to their houses therefor reporting to bureaus that I have all these different addresses and I don't. They change the dollar amounts the dates the entity etc. This has to be illegal XXXX XXXX XXXX XXXX address XXXX XXXX XXXX Ohio XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-07-17
Company: Experian Information Solutions 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:
FTC Violations XXXX XXXX {$380000.00} XXXX  XXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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