BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: NY
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:
requested my annual free credit report and was refused .I have received my annual free credit reports in the past from the 3 major credit reporting agencies albeit I had frozen my accounts because of the Equifax and other breeches.I then received a the following bizarre letter some weeks later. Please see attachment below. I have had no difficulties until now. My last installment loan was in XXXX from XXXX XXXX for an auto purchase.Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was in XXXX  and someone stole my card and used it and my identity

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 2019-01-22
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: Account status incorrect

Complaint:
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. 
We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. 
The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I  finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. 
I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and XXXX XXXX XXXX  were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's  for the same loan. 
I disputed the both to lines of negative lines to all 3 Credit Agencies on  XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. 
They will not remove either line off my credit report. 
I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.

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 2019-01-02
Company: STATE FARM BANK, FSB
State: FL
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:
don't not recognize inquires remove within 15 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: AZ
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 # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.

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 2019-05-15
Company: Bread Financial Holdings, Inc.
State: GA
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:
I went into a store ( XXXX ) to make a purchase via debit card. The clerk stated that the card swipe didn't work. She then asked me to take my debit out and also give her my ID to verify that it was my card, she then began typing into their system. I told her that I didn't want any promotional items, text or phone calls. She did ask before the transaction if I wanted a credit card, my answer was no because I no longer use individual store cards - only majors. 
After leaving the store I learned that she used my ID to get my social and address to apply for a credit card. I DID NOT REQUEST THIS! I phone the district manager who has spoken with me a week ago and has not followed up. When I spoke to that exact store clerk, she stated that just by making a payment with a debit card their machines automatically run credit. I know this to be false and misleading - that was the 2nd time she misrepresented herself and lied. Now I have a hard inquiry from them whereas I did not request any card. I never gave her my social - she had to use my date of birth and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: Resource Management Group
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a call from " Resource Management Group '' with phone number XXXX. I missed the call, so I returned it and a man answered the phone. Advised that they were calling about a credit card debt which was about {$1300.00} from XX/XX/XXXX and it was closed in XX/XX/XXXX. I advised I wasn't aware of the debt and that I'd filed bankruptcy during that time anyway. The person then hung up. I called back, to speak to someone and it sounded like the same man who I spoke to previously stated that he didn't know who I spoke to, verified my information and then advised that they were calling about the debt from XX/XX/XXXX and it was closed in XX/XX/XXXX. He said his name was XXXX XXXX, I advised him that I was not aware of the debt and that I filed bankruptcy during that time. 

He proceeded to argue with me that my bankruptcy was filed in XX/XX/XXXX and didn't apply. I told him I never received a letter or anything before now regarding this debt and I asked for the address where I can send a letter or to receive verification. He refused to give it to me and hung up on me. I called back a 3rd time to speak to the same man and he advised his name was XXXX XXXX or something similar. I then asked him for the address again and advised him this was a scam because he's given me 3 different names so far. He continued to argue with me and yelled out an address which i was not able to catch. I asked him to repeat it and he refused. I then hung up on the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a cash out refinance loan with on XX/XX/2020 and it's now XX/XX/2020 and it doesn't seem like I'm getting my cash out funds and they haven't paid off my current mortgage with XXXX XXXX XXXX XXXX. I spoke to a representative that said you have to pay your mortgage and for you previous mortgage or you will get a late payment. I think I'm being scammed. Will I now be responsible for 2 mortgages?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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:
Good morning! I recently checked my credit and noticed two collection accounts which I did not recognize nor authorize. These accounts are fraudulent and do not pertain to me whatsoever. They are listed as XXXX XXXX and XXXX XXXX XXXX. Please help me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Navient Solutions, LLC.
State: GU
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have had two loans with XXXX XXXX now Navient in a matter of a 3 years my loan has gone from XXXX to XXXX. In a matter of two weeks my loan went from XXXX to XXXX I do not feel that it is a fair amount of fees nor do I even understand. 

I have tried time and time again to change my payment plan with continuous bouncing back while fees adding up by the thousands in a matter of weeks. 

I have a strong feeling that something is not right and unfair in this situation but my lack of knowledge prevents me from pinpointing what exactly it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a targeted ad from Amex on XXXX, which highlighted the welcome offer of XXXX bonus points for the XXXX XXXX card. As the welcome offer was enticing, I clicked on the ad, which took me to the Amex webpage where I could apply for the card by entering in the required personal and credit information. When I completed the application process, I got an instant notification, indicating that I am approved for the card. There was no indication that I wouldn't be qualified for the welcome offer through the entire application process. The card arrived a few days later and I put the card to use immediately as I wanted to meet the spending threshold quickly to qualify for the welcome offer. In addition, I called in Amex several times to ensure that I would be qualified for the welcome offer if I meet the spending threshold and I was assured by the Amex representatives that my account would be credited automatically once I meet the spending threshold.

It wasn't until several days after I met the spending threshold that I realized I wouldn't be qualified for the welcome offer. After meeting the spending threshold I immediately called in Amex to check when I should expect to receive the welcome offer and I was told that the welcome offer is denied due to the history of receiving welcome offers for other Amex cards. I contacted Amex, explained the situation and created an investigation claim. I waited until today and was told that my welcome offer is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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:
I have recently disputed information on my credit report with this company due to identity theft, they are not removing items that are not mine. I provided a police report and informed them my information was compromised.

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 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified that I had not paid my credit card debt online. The last statement I received was in early XX/XX/XXXX, but there were no attempts made by Bank of America to contact me regarding my payment for XX/XX/XXXX being late. I spoke with XXXX XXXX of Bank of America in an online chat on XX/XX/XXXX, and she told me that it was not up to the bank to inform me that I had to pay a debt ( which I believe is not true ). The past due amount was {$25.00} and the total balance was {$68.00}. This debt negatively impacted my credit. I only contacted Bank of America when I happened to check my credit score and saw that it had been lowered due to this debt. Bank of America made it clear that they had no intentions of making any attempts to collect the debt owed.

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 2021-06-22
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB. EOS CCA is threatening my credit along with XXXX regarding a debt that I do not owe to EOS CCA nor to XXXX. EOS CCA and XXXX are jeopardizing my credit by making me pay for debt that I am not owed to pay. The merchandise was not received and I have proof. My packages contained paper instead of my phones. LEGALLY I AM OBLIGATED TO PAY FOR WHAT I ORDER. LEGALLY I AM OBLIGATED TO RECEVIE WHAT I ORDER AND IN THIS CASE I DID NOT WHICH I HAVE LEGAL PROOF OF WHAT I RECEVIED AND I HAVE LEGAL PROOF OF MY POLICE REPORT AND I HAVE LEGAL PROOF WITH THE REFUND CONFORMATIONS THAT XXXX EMAILED ME DUE TO THEM CONFIRMING THAT THE ITEMS WERE NOT RECEVIED WHICH THEY WERE NOT AND I HAVE PROOF. I ORDERED XXXX FOR OUR WORK AND DID NOT RECEIVE THEM. XXXX confirmed the phones had no usage in my name nor there was any calls on the devices and XXXX informed me that they have blocked the XXXX so no one uses them and they have issued me refunds. I have all my legal documents proving i am not responsible to pay for a debt when I never got the items. I have also filed a police report with the XXXX which I will attach. EOS CCA and XXXX needs to cease this invalid debt because I am not responsible to pay for something when i never received my items. mY ITEMS THAT I PAID OVER {$13000.00} FOR I NEVER RECEVIED AND I HAVE PROOF ALONG WITH MY XXXX REPORT. THIS DEBT REMAINS UNVALID AND I HAVE NOTIFIED XXXX REGARDING THIS. EOS CCA AND XXXX NEEDS TO STOP HARRASING ME AND ASKING FOR MONEY THAT IS DEEMED NOT OWED TO THEM AND I HAVE LEGAL PROOF. CFPB PLEASE RESOLVE. PLEASE SEE ATTACHED POLICE REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-12-01
Company: DApps Platform, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/21, my social media and email accounts were hacked, resulting in the use of my debit card information to purchase {$3000.00} worth of Bitcoin through an XXXX app called XXXX XXXX. 
I have not previously used this app, nor am I at all familiar with the use of Bitcoin or other crypto currency. This bit coin was purchased with my funds and then sent to a recipient address which I do not recognize. 
I have since reached out to the XXXX wallet support team and am awaiting a response. 
I have also contacted my bank in order to stop payment on the funds and hopefully be reimbursed for the fraudulent activity.

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 2020-02-10
Company: Experian Information Solutions Inc.
State: AR
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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.

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 2019-01-22
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-08-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX Account # XXXX 30 days late in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern, I have tickets for the XXXX XXXX XXXX that I occasionally sell on XXXX and XXXX whenever I'm unable to attend the games. On XX/XX/2018 I sold four tickets to an individual using XXXX and arranged to receive payment via PayPal. 

The individual sent me payment for {$520.00} ( of which Paypal took a 2.9 % processing fee ), netting roughly {$500.00} to me in exchange for the tickets. 

Four months after I received the money via PayPal, the buyer initiated a chargeback on the payment, at which time PayPal automatically debited {$520.00} against my account and an additional {$20.00} for a " chargeback fee ''. 

They made no attempt to resolve the issue with me and sided with the buyer ( scammer ) and the buyer 's financial institution. I provided evidence from my XXXX ticket holder representative as well as a copy of the email correspondent between me and the buyer ( scammer ). 

PayPal still did not look into the issue and merely said that there terms of service prevents them from releasing any information about the buyer or their financial institution, preventing me from taking legal action against the scammer and/or their financial institution for their wrongful chargeback. 

I asked PayPal if they could provide me with specific details about the buyer ( scammer ) and they flat out refused. I asked them to look into the matter and to credit my account as I am a long time customer of theirs but again, they flat out refused. 

PayPal facilitated s scammer to effectively steal {$520.00} worth of goods from me and offered zero help in resolving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10
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:
XXXX XXXX XXXX # XXXX is reporting an account to XXXX  that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.

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 2020-02-10
Company: R.M. Galicia, 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:
Progressive Management System # XXXX is reporting an account to XXXX  that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation