BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-09
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a negative annotation on my credit file/report at the credit bureaus from the collections agency listed as Enhanced Recovery Co, despite not owing this debt. I have contacted this company explaining to the person I spoke with that this debt is not mine, and it is a result of identity theft. I also told this person that I never opened an account with or did business with the company that I am supposed to owe. The drop off date for this debt on my credit file is listed as XX/XX/XXXX, which indicates that I either opened an account or had been delinquent for the account in question in XX/XX/XXXX. I have never had any service from XXXX XXXX, and despite my informing the mentioned Enhanced Recovery Co of all the above statements, with emphasis that this is an account opened fraudulently, I was totally ignored and was told to simply pay the amount of {$520.00}. Not only is company Enhanced Recovery Co disregarding my plea for attention to this matter, they are directly contributing to my being victimized, by asking me to pay this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this collection account approximately XXXX years ago and it was agreed to be removed from my credit report. This company has falsely claimed that I own money for an apartment that I never had. This company has failed to provide documentation that I had a contract with them but yet they continue to report each month. I called on XX/XX/2023 regarding removing the item from my credit report and one of the representative inform me that until the balance is paid they will continue to report and ruin my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: TX
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
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 have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX 2.US SM BUS ADMIN ODA 3.XXXX XXXX XXXX 4.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 2019-03-01
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I filed a complain once before regarding an older account that I had with my husband jointly that I was forced to pay. He and I were no longer together and he was told by a judge not to utilize any accounts, yet he did and it was clearly for an item associated with him. A gym membership to be concise. XXXX   advised me to get a police report in order for them to take into consideration and I did. This time around there is Fraud on my report and that was reported not only to the police but the XXXX because an ID Card of some sort was made using Maryland when I have been a bonafide District of Columbia resident for over a decade. I am tired of having this affect my ability to bank within normal capacity and something needs to be done as it is unlawful to maintain a record of fraud on someone's report. I have not had any problems with companies that understand how the Fair Credit Act works. I am wasting time and resources fighting this agency and do plan to file a complaint with The Office of Attorney General today as well. I have given the police reports and formally written dispute via U.S. Mail.

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 2020-07-10
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I cancelled a transaction on Paypal and authorized a refund. On the same day, Paypal received {$580.00} from me. All of this is confirmed in Paypal 's own records. Paypal never sent the refund, and kept the money instead. I have spent more than a year trying to get Paypal to deal with this. I have spent over a year with Paypal stalling, ignoring, insulting and lying to me. They always claim ignorance and claim they can't find anything in the records about it, until I show them Paypal 's own records which confirm everything I have said. Then the wild lies start. They claim a wide variety of conflicting things, including a claim that Paypal actually has " secret '' records which are the true records, and the records provided to the customers are all false. My personal favorite lie was when the Paypal representative said they hadn't sent the refund because the person to receive the refund has " insufficient funds '' in his account ... huh? How much does he have to have in his account to receive money from me?? And the representative still didn't seem to think Paypal would need to return the money to me in that case. The point is : Paypal will take your money, and keep it. And then refuse to return it ... no matter how much proof there is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: MD
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:
Credit Bureau refuses to reinvestigate accounts where documentation has been provided to them stating that the vendor amounts are incorrect and has no information or data on accounts.

Credit Burasu refuses to provide any documentation and method of verification, but instead telling me that I need to contact the vendor.

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 2019-03-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called Equifax because I saw that I had drastic decrease of 61 point through XXXX XXXX. The representative refused to give me information unless I pay {$15.00} for a one time charge. The representative then quoted me a score under 600 after I paid and refused to explain to me why my score dropped. The representative the transferred me to a different representative who told me that his computer was not working and to call back in an hour. I have worked very hard on my credit and check it daily. After looking at the reason code through XXXX XXXX, Equifax notated that since I had a balance increase on my student loan with XXXX XXXX XXXX and they assumed I missed some payments. The truth is my loans are deferred and my new payments began on XX/XX/2019, so that there is no pass due amount. I pay all of my accounts on time and by Equifax dropping my score like this is an insult to my never late or missed credit card payments, never late or missed vehicle loan payments, never late or missed mortgage payments, and never late or missed personal loan payments. Equifax also removed one of my credit cards with XXXX XXXX  that I have paid on time for six months off of my credit report. The credit card was compromised and was cut off until a new card was reissued. I still have this account and it is in good standing. The account was NEVER closed and this has also hurt my credit score. I feel that Equifax reporting agency is unfair and seeks to hurt people who are trying to repair their credit. Please help me resolve this issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for a Discover It secured card on XX/XX/2019 i was approved and chose to have a deposit in the amount of {$200.00} I recieved an email confirmation on XXXX/XXXX/2019 confirming the account. My bank account had fraud on it and i had to close out the account and open a new account. I immediatley reached out to discover to let them know that there was fraud on the account and was advised by rep that the transaction should go through and that i shouldnt have to change the account number. I just recieved a notification that the account was closed out and is now negatively affecting my account. I called out and rep told me that i would need to reapply and that the funds were not taken from the checking account. Called back and reached out to a manager said  pretty much the same thing but they would try and pull the call. I dont think that it is fair to treat a customer that was trying to let discover as a company that the account was compromised and tried giving account number to CLOSE the account out and negatively effect me. I told the manager on the phone that i have the new account number and routing number and was told that he would have to see what he could do. HORRIBLE first impression of a well known credit card company. I did what i needed to do to let the company know and they still dont have an answer for me and not wanting to help me. Next stop XXXX XXXX XXXX  to file a complaint as well. Totally sad that i have to do this but i dont think that its right at all. This is all over a measly {$200.00} secured credit card that i wanted. Im willing to give the new account number and everything ... just sad!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Account information incorrect

Complaint:
I have noticed that there are negative reporting accounts on my credit report. These accounts are incorrect and are stopping me from obtaining credit.

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 2020-10-21
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 years prior I contracted with XXXX for a 12 month agreement at XXXX per for a voip line, at month 13 they tripled cost, I completed contract so I cancelled service, they continued to bill my account of which i had removed from their website, so they collected funds not owed, without my consent. I received a letter on XX/XX/20 from RMS, receivables Management Services a 3rd party collection company, attempting to collect a debt that is erroneously.

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 2019-03-01
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed {$870.00} to XXXX XXXX XXXX XXXX that went to collections some time in XX/XX/XXXX. I was laid off, and only worked part time until recently. With my tax return I intended to pay the bill. Sunrise Credit Services , Inc sent me a letter XX/XX/XXXX offering a settlement for 85 % of the debt on behalf of their client, XXXX XXXX XXXX XXXX. I accepted their offer, and spoke to a representative at Sunrise who took my payment of {$740.00} on XX/XX/XXXX. My check was postdated for XX/XX/XXXX, and cleared XX/XX/XXXX. My bill at XXXX XXXX XXXX reflects the payment, but does not show a XXXX balance. I spoke with several representatives at XXXX XXXX XXXX from XXXX to get the debt discharged as per the letter 's settlement agreement. A supervisor from XXXX XXXX XXXX told me XX/XX/XXXX at XXXX EST over the phone they are not going to honor Sunrise Credit Service 's stated agreement to settle the debt. I have filed a complaint with USPS for federal mail fraud, as this contract was sent through the federal postal service, and is not being honored by one or both parties. Either Sunrise Credit  misrepresented themselves as being an authorized agency for XXXX XXXX XXXX XXXX, which does not seem likely since XXXX XXXX XXXX received my payment through their office, or XXXX XXXX XXXX is fraudulent by not honoring their settlement agreement as authorized through their debt collector.

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 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So recently I received a letter from Bank of America XXXX XXXX saying they revisited an old claim of mine and reversed the final decision in my favor and to go through my statements and see if there are more fraudulent charges and to file them..so I did and there was quite a bit of them that I tried to have settled a while back but they rules against me..so I filed my new claims the first claim and when I saw I was awarded the new claims I noticed that the gentleman I spoke to who filed my claims didn't put all of the charges I told him.to on them so I had to file 2 new claims which is what I'm complaining about. First claim # XXXX for the amount of {$800.00} and the second claim # {$1300.00} both of which all the charged on these 2 claims were suppose to be submitted on the claim I was just awarded as the bank employee promised me they were, are now being denied to me and they are all charges from XXXX, XXXX and some from XXXXso when it denied I call back and have them file a reconsideration, then when I call back to check on that reconsideration I find out that a reconsideration wasn't even filed.. so ha e to refill again and this has been going on for about 2 months and these charges I'm now being denied are the same charges I was just recently rewarded and because the employee didn't put all of my claims on them I had to refill and now somehow am being denied these claims that should be rewarded to me in the first claim.. AND on top of that ... I had a bank of america MANAGER call me back on my cell phone to harass and threaten me and say some really weird things to me, so I filed a complaint about this with bank of America and the complaint is XXXX complaint ID # XXXX and filed the complaint with bank of America manager named XXXX and was told I can call tbe bank and follow up with my complaint I filed and then when I do, the bank tells me it's a n internal problem they will handle its none of my busines ... .So now I'm in fear for my safety because this bank manager who called to Harrass and threatened me has access to all of my personal information like my address, social security, all my banking information. And I don't know what she's capable of if she's gone to the level she has already and I dont feel safe now and don't know who to turn to for help.

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 2019-03-01
Company: BB&T CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I logged into my BB & T mortgage acct. to make a principal only payment, I noticed that my monthly home mortgage payment had increased. I then searched all areas of my online acct. to try and locate a payment change notification. I could not find this information. I believe their website is purposefully insufficient because the information was not there. Next, I called them to inquire about the increased payment. After speaking to XXXX XXXX, and later to her supervisor XXXX XXXX, I became concerned with BB & T 's business practices. They needed my full social security number and my date of birth to pull up my account. I objected but provided the last 4 digits  of my SS #. Then they required going over my current profile information for even more identification and I had to stop them when they read my phone number incorrectly. They had the wrong area code for my phone number. I have had this acct. for years, and now my phone number was suddenly incorrect. I as logged in to my online acct. at the time, and so I asked if I could correct the area code myself. They said no. They said they are the only ones that could correct the area code, and would only do so if I would provide them with my entire SS # and DOB, over the phone. I explained that I felt this was unreasonable, and that I did not want to do both because I was on a cell phone and in front of my computer, and that I believed that providing both over WIFI could put me at a higher risk for identity theft. I bank with XXXX, and have also banked with XXXX in the past, and they have never required me to give both of these items over a cell phone. Especially, to just change the area code of my phone number, a telephone number that I was currently speaking to them on, and that they could easily verify. The area code was wrong but the rest of the phone number was correct. I asked if they could even call that number, with the bad area code and see for themselves it's incorrect, or check my loan origination records on my account, or use the area code in my billing/mailing address on file, to call me back on that area code. I asked if they could send me an email using the email on file or by something else that is on my account to verify, once again, that it was actually me. So, my refusal to give my full SS #, and DOB over WIFI, they refused to correct the area code on my account.

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 2019-03-22
Company: Credit Management Control, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was being garnished for a total of {$6300.00}. That amount has been paid in full. 

I am still being garnished per Credit Management Control. They told me I had unpaid interest. Interest was already included in the {$6300.00}. 

I asked for documentaion to support the new amount of {$1800.00} they say I owe. They sent me the same Case # document but now have different numbers. 

I asked Credit Management Control back in XX/XX/XXXX they said our balance was {$2800.00} & in XX/XX/2018 they said our balance was {$1600.00}. I have exceeded that amount to date XXXX. There was never any indication or documents that there was more interest they wanted to garnish. 

I have months of e-mails with XXXX XXXX at Credit Management trying to settle this bill since I have paid way more than the {$6300.00} that was owed on the garnishment. 

To date I have been garnished {$7800.00}. I paid {$1400.00} over the amount I was to be garnished- {$6300.00}. 

XXXX XXXX-Credit Management Control said I owed {$1800.00}. 
XXXX XXXX-Credit Management Control said the balance is {$1700.00}. 

I don't know how I'm still being garnished & why there is never documentation that supports all these different balances Credit Management Control keeps sending me.

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