BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am an upstanding XXXX XXXX. I have been the victim of identity theft. 
I have taken your advice and submitted and FTC Identity Theft Affidavit to the credit bureaus and the collection company itself. 
They seem to feel they are immune to following your laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection from Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiring a payment owed by me from XXXX XXXX XXXX provider. The account number provided by the CCS was fraudulent, verified by current account statements & service provider collaboration at that time. Several months later, I closed all my accounts related to XXXX XXXX will all balances paid off, including all 2+ years worth of statements being fully paid each month. CCS refused to offer any additional assistance to mediate this matter but instead reported my account as a result of derogatory to all three credit bureau agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX  cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Equitable Acceptance Corp
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a phone call several years ago in regards to " student loan forgiveness '' I signed up because my payments would be high. The representative stated he was going to sign me up for the program and I would pay for 10 years. After 10 years of consistent payments toward my student loans, there would be a final evaluate on my earning versus my current salary. I recently reached out to my student loan provider because they asked if I would like to make early payments while I work on my XXXX. 

The woman at my student loan provider XXXX XXXX stated I was defrauded by this company. The name of the company is Equitable Acceptance. I requested the company stop taking money from me and they refused. They have been taking money each month for the last 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-03-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My XXXX Visa was transferred to Comenity from XXXX  XXXX XXXX. I've written to Comenity many times about the various problems, over the last few months, and they never fix anything. 
Now, the problems are getting worse. They have not credited me the rewards I'm due, upward of {$100.00}. When I asked them to fix it, they acknowledged the problem, but didn't fix it. In the process, they deleted my rewards which had already been credited in the past!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-08-12
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING Acct : ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ) To Whom It May Concern : This letter is being sent to you in response to your recent communication. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by  purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
I require compliance with the terms and conditions of this letter or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. see See Wantz v. Experian Info. Solutions, 386 F.3d 829, 834 ( 7th Cir.2004 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: CO
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:
Hello, On XX/XX/XXXX, I made a payment on my student loan serviced by MOHELA. I received a confirmation and my payment left my bank account via electronic transfer that same day. Today it is XX/XX/XXXX and the payment has still not posted to my account. The account shows a past due balance even though I paid the amount in full and they took the money out of my account. 

Guidance says the payments usually post in 3 days, but we are now seven days past the payment and it still is not posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: JPMORGAN CHASE & CO.
State: CO
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 reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account and address reporting I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-08-25
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt appears on my report. 
I am not familiar with this debt. 
This account states that it was opened in XXXX of last year but I have not opened an account with this organization.

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 2023-08-25
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I filed a dispute with Cash App regarding a transaction amount of {$500.00} in my checking account. In the dispute, I requested a refund and claimed that the merchant used the transaction to take financial advantage of me and subject me to fraudulent business practices, resulting in me not receiving any benefit. Cash App denied my dispute and I requested the documents Cash App used to make its denial determination. Cash App only sent me a basic summary of the transaction but nothing from the merchant.

Cash App has disregarded my notices and is being unfair in its dispute procedure. Cash App 's reason for denying my dispute is insufficient and I am unreasonably being subject to a financial disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Continental Finance Company, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2019 i submitted an application on XXXX. They misrepresented they asked for a second verification i was told i was a approved before i submitted the information. Was not approved. They have my address birthday social security number an phone number. I have applied before with this credit card company got a approved for a {$500.00} dollar deposit via email i was sent the approval. They are fake they will take your money. This is the email i sent my information too. XXXX XXXX XXXX this is what i received 72 hours later not to mention a duplicate application they said i submitted.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-04-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

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 2022-04-01
Company: EQUIFAX, INC.
State: RI
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 XXXX XXXX XXXXXXXX Account number XXXX, has violated 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: SYNCHRONY FINANCIAL
State: NY
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:
XX/XX/XXXX it was a hard inquiry but it just posted on my credit report on the XX/XX/XXXX my issue is I never applied or used national credit card/airline  I call XXXX XXXX sincarany bank am getting the run around my information is getting use with out my permission it scary

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 2019-08-12
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2019, I attempted to open a savings/CD account with the XXXX NV branch of Navy Federal Credit Union. As we met with the Service Rep XXXX, she asked for my social security number within in ear shot of another member conducting business with the Senior Service Manager nearby. I told her I was uncomfortable with saying it so I wrote it down and handed it to her. XXXX typed the information into the computer and printed out documents. As this happened, the Senior Service Manager handed a stack of documents to the nearby customer and he walked out. XXXX then went to the printer which was now empty, she asked her coworker/Senior Service Manager if he had seen the documents that XXXX had printed for my account. The Senior Service Manager informed her that he had given the documents in the printer to the previous member. XXXX was unhappy with this but proceeded to print out new documents for me to continue opening my account. When she handed us the second document, my wife noticed that the document was pre-filled with my name, birthday, social security number, and access number. I asked XXXX if that was the document the Sr Service Manager had given to the other member. She confirmed it was, but claimed it was blank. I told her to talk her Senior Service Manager and she called him over, I asked if he had given my information to the other member and he denied it. He claimed it was a blank copy. I asked why he gave a blank copy to the other member and he had no answer. At that point I cancelled my signup and informed the branch manager ( XXXX ) about what had happened, and she also had no answer as to why the Sr Service Manager would give blank documents to the member if he had verified them all as he claimed. Again she had no answer, but she said she would call the other member and see if he had received any extra documents. I told her I was unhappy that I had come in to sign up for service and I am now worried my information is compromised. I asked her to send someone to contact the member and retrieve the documents and she refused. I called Navy Federal customer service to file a complaint, they repeatedly me told me that the complaint would be filed with the branch manager XXXX, who had already refused my request to retrieve the documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed do to suspected fraudulent activity, when opening the account there was a {$400.00} incentive if I met certain criteria. I met all the criteria before the account was closed and the bank would not honor the promotion.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Deleted any thing off your credit!!!! 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 non-monetary relief
Consumer complaint received 2018-02-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank homedepot credit card. 

I noticed a outrageously high finance charge with the credit cart I received from Home depot throught citibank. they  were charging me almost {$50.00} for the balance of {$390.00}. I called the Citibank about the issue, I disputed right away via home depot website. I made a payment of {$390.00} which is the amount that I owe to home depot Citibank credit card on XX/XX/2018. today, I spent 1 hour 15 minutes to find a solution for this matter, they  insisted that I need to pay that finance charge. I disputed this charge and late fee. I cancelled the credit card right away as of XX/XX/2018. 

They have to follow fair credit reporting act. I already made a payment of {$390.00} XX/XX/XXXX, {$390.00} pay off amount. 

{$64.00} finance charge they claim. 

{$27.00} late fee charge as of XX/XX/2018.

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