BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: Sequium Asset Solutions, LLC
State: SC
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:
On XX/XX/2020, I submitted an online dispute with XXXX  because I received some communication that showed that I had an account in collections on my credit report. I called the collections company listed on my credit report ( Sequium Asset Solutions ) and the representative could not find any record of an account in my name in their system. I contacted the " alleged '' original creditor ( XXXX XXXX ) as well and they confirmed that there was no delinquent account in my name in their system. At that point I filed an online dispute. On XX/XX/XXXX, XXXX  sent me notification that my dispute was results were ready. Unfortunately the results stated that Sequium Asset Solutions verified that the information on my report was accurate. This can not be the case. Today, again, I contacted XXXX XXXX to again verify that I did not have a delinquent acccount in the amount of {$540.00}. This was verified. I then called Sequium Asset Solutions again. I spoke with 3 representatives. The first representative clearly could not find any account information for me, they hung up on me. The second representative could not find any account information for me either and put me on hold several times to get a supervisor. 
She then asked for a phone number for a supervisor to call me back. Hours passed and I never got a call from a supervisor. I called again and yet again, the third representative could not find any information for me either. She too kept putting me on hold with promises of getting a supervisor on the phone. Again I gave her my phone number. Again, no call from a supervisor. 

This account that has been attached to my XXXX  credit report clearly does not belong to me and Sequium Asset Solutions refuses to explain what information was sent to put this deliquent account on my report. XXXX  is telling me that the only way to get this removed is for Sequium notify them to remove it. However, based on my interactions with this company and attempts to resolve this, I suspect that it's practices may be fraudulent. I simply want this issue resolved by having this inaccurate information removed from my account and Sequium Asset Solutions is refusing to fully look into this situation, offer any information, or evaluate their own practices.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: HI
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:
I call Experian many times, sent many letters ... I ask for Mov. They are not following the rules at all.

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 2018-04-24
Company: EQUIFAX, INC.
State: WV
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:
XXXX and/or XXXX and/or Equifax have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct.

XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX  and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not 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 non-monetary relief
Consumer complaint received 2020-10-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20 XXXX in the middle of the night while I was asleep, there was a log in to my Paypal account from a device Paypal did not recognize ( as indicated by their alert email to me ). There were 2 test transactions that deposited and withdrew funds from my account at  XXXX, then proceeded with taking funds from my bank account linked to Paypal at XXXX and XXXX both were NOT done by me and NOT from my computer. These transactions were {$1800.00} & {$2400.00}. I have no prior transactions over {$500.00}. By XXXX upon logging into my email and learning about the security breach, I contacted Paypal via chat. Paypal has no phone number available to call. I filed resolution with Paypal, but Paypal insisted these were authorized transactions and consistent with my payment history and denied reversing the charges. I filed appeal again with Paypal and  they again insisted those charges were authorized. I have since filed a police report with my city ( ase number XXXX ). Paypal breached my account security and allowed money to be stolen from my account. I want Paypal to reverse my these charges and restore my account rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
OnXX/XX/2019,IcheckedmyUSAAcheckingaccountandnoticedtherewasaODAdvanceTransferOUTfor{$210.00}onXX/XX/2019.IcalledandspokewitharepresentativenameXXXXandsheputmeonholdforabout5minutestoinvestigate.Shecamebackonlineandsaidtherewasacomputerglitch/batchingerrorinthebeginningofXXXX.Shestated,USAAITdepartmentnoticedaccountshadtransferredmoneyfromoneaccounttoanotheraccount.Inmycase,moneywastransferredfrommyaccounttomysonsaccount.Mysonsaccountwasnotoverdraftandtherewasnoreasontotransfermoneyfrommyaccount.XXXXstatedtherewasnothingtheycoulddoaboutit.

Iaskedtospeaktoamanager.XXXX,XXXXRepresentativefromtheResolutionTeam,cameontheline.IaskedXXXXhowtheyweregoingtofixthiserror.Ialsoaskedwhydidn'tUSAAsendoutanemail,inboxnotificationorlettertoexplaintheirerror.Theyshouldhavereversethetransferimmediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: AL
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 reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. Dep ed/XXXX, dept of ed, and XXXX. Please have these removed from my 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 non-monetary relief
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am looking for a roommate in my apartment. someone contacted me via email named XXXX XXXX XXXX saying he is working for XXXX. he said the company will be sending the travel expense on my name and i would have to take the amount and transfer to his travel agent so that he will get tickets and come to XXXX. everything went okay and he told me again that by mistake his company HR issues two checks under my name and i have to deposit and mobile check and i have to transfer the same to other accounts. he asked me to keep {$300.00} as a token of advance for the shared room. but next day, i lost my money {$4500.00} from my bank account. I called them and they said that funds are not available under the account which check was issued. then i called XXXX and he says he is trouble and car met with accident. there won't be problem at all the money would return to your bank account soon. after two days he is not responding. then i read something about this fake check scam in internet and understood that i was bullied. I received two checks from that person : check 1 : XXXX  XXXX, check No : XXXX, date:XX/XX/2019 check 2 : XXXX XXXX, check No : XXXX, date : XX/XX/2019. 
he asked me to deposit these checks and asked me to transfer these checks to these persons : XXXX XXXX, XXXX and XXXX XXXX, XXXX. he is always contacting me in email and text. he never picked my phone. 
wired transfer to the below numbers : XXXX XXXX,XXXX - XX/XX/2019 - {$2500.00} USD XXXX XXXX , XXXX - XX/XX/2019 - {$2000.00} USD XXXX XXXX, XXXX - XX/XX/2019 - {$2500.00} USD XXXX XXXX, XXXX - XX/XX/2019 - {$1700.00} USD Original Contact who initiated this scam : XXXX XXXX XXXX Phone:XXXX,XXXX FAKE BANKER : XXXX PHONE : XXXX Police Case XXXX : XXXX, XXXX sheriff office

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 2019-05-17
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a certified letter from my banking institution UMPQUA BANK on XX/XX/2019 Stating they were closing my checking & savings accounts with no explanation as to why on the letter. I contacted my branch manager XXXX XXXX to find out why. She said she didn't know But had received a notification the previous day that they were closing my accounts. I asked her to please find out what was going on. She informed me it had to do with being Associated with the XXXX industry! I have never been involved with this industry!! 
I sell XXXX XXXX and have been a XXXX XXXX for the last 20 years. I can GUARANTTE you I have nothing to do with the XXXX industry. I believe they have the WRONG PERSON!

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 2020-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio is reporting an account to my credit profile that I was told that was opened under a business name that I do not have ties to and have never had ties with. See attachment for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019 I cancelled my Amazon Store Card from Synchrony Financial. 

On XX/XX/2019 I noticed that my reward balance at Amazon was no longer there and I contacted Synchrony via livechat. I was told that the rewards were taken away when my account was closed. I asked them if I was informed of that. I was told that it was told to me during the cancellation flow on their website. I asked to see a copy of it and was given this URL ( XXXX XXXX XXXX ). I told them that I was not redirected to that website during the cancellation and in any case, I specifically asked them if it was only in the fine-print previously. 

I then contacted Amazon via phone and they said that Synchrony had taken them away, not Amazon. 

I then contacted Synchrony via phone and was told the same thing, I then asked to speak with a manager because I felt it was unfair to bury this in the fine-print. I then told them that I would file a complaint to the CFPB.

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 2019-06-20
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/2019 informing me of a date breach. When I called the number provided I reached a call center that told me they can not give me any details on the issue and gave me another number to call. When I called that number, it was a continues loop that just kept saying your estimated wait time is 7 minutes. 29 minutes later an operator picked up the phone. She would not give me any info. Would not tell me what card info was exposed or what information was at risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Case file # : XXXX {$930.00} settlement amount {$350.00}. 


I have received several threatening emails. I have no knowledge of such loan made. 
The emails never state the original date amount or date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX NA # 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 - TOTAL V # XXXX XXXX XXXX   XXXX XXXX - TOTAL V # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # 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 2019-06-20
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX NA # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX  - TOTAL V # XXXX XXXX  XXXX   XXXX XXXX  - XXXX  V # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MA
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:
XXXX Bank conspires to oppress my rights as a consumer with their associates Equifax in their XXXX  enterprise. They are violating GLBA and FCRA by continuously furnishing my consumer report without my consent and stopping the removal of negative and inaccurate information. Even after the inquiry was confirmed to be removed by Equifax the inquiry remains to be there. They are deceiving me with false information. Please see attached notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  Secured Credit card opened without my knowledge but appears on TransUnion credit report, carries a balance has been active > 90 days and is impacting my credit score. Have tried to contact customer support at both companies and they could not resolve issue. I do not see the card listed under my account details when I log in to my bank account. I believe this may be a technical issue

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 2018-11-07
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: Personal information incorrect

Complaint:
Equifax allowed a business that I was disputing to change the address on my credit report. I found this out because I requested a copy of the dispute and they said I had to send in two forms of ID through the mail. I refuse to do this because it is their XXXX up and they broke the law by allowing someone else besides me to validate and/or change my address. They also allowed this company to validate a fraudulent account that even if by some strange coincidence they were able to legally validate a fraudulent account it was still a breach of contract because I never agreed with the parent company to sell my personal information to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXXXXXX XXXX XXXX rejected my automatic electronic payment from my XXXXXXXX XXXX Checking account. XXXXXXXX XXXX XXXX then reported my account as delinquent and as a late payment for the month of XX/XX/2018, and also for the month of XX/XX/2018 to various credit bureaus ( XXXX, XXXX, and Transunion ). I filed a complaint XXXX-XXXX with the Consumer Financial Protection Bureau on XX/XX/2018. XXXX XXXX XXXX responded to complaint XXXX-XXXX on XX/XX/2018. In their Response XXXX XXXX XXXX admits fault and states that they have issued corrections to the Credit Reporting Agencies. All 3 credit bureaus received corrected information on XX/XX/2018. I have attached a copy of this letter for your reference. On or about XX/XX/2018 XXXX XXXX XXXX did furnish to Transunion information that was, by their own admission, incorrect. A Dispute was submitted to Transunion that Transunion claims to have verified with XXXX XXXX XXXX that their reporting of a late payment for the month of XX/XX/2018 is Accurate. The very same information that XXXX XXXX XXXX in its response to the CFPB Complaint did state that they would remedy and update as a result of their error is now being reported to Transunion as accurate. XXXX XXXX XXXX has altered its records available to me as a consumer that does not reflect a rejected/error payment, however, reflects no payment at. I believe that this reporting is a willful violation of 15 U.S. Code 1681 ( The Fair Credit Reporting Act ), and it is my hope that the CFPB investigate it as such.

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 2018-12-04
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an account with Wells Fargo which can not be closed and the reason is the company will not answer calls from me when trying to close this account. I have been trying for several months and have decided they are doing it deliberately. Now They say I am overdraft but I shouldn't be, as I had no option to close the account in XXXX, OK as there are no locations here.

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