BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: GA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
State: NC
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:
In the last month my credit was pulled so that I could get a mortgage to purchase a home. I have been a homeowner since XX/XX/XXXX. Upon this credit pull it was discovered that there is a closed account/charged off account on my credit through CBNA/Citibank/Best Buy. 
Apparently I am an " authorized user '' on this account and it is literally impacting my ability to sell and buy a home. 

1. My credit can not be being affected on a card that I am only an authorized user on.

2. This is being illegally reported to XXXX and XXXX.

3. I do not believe the card owner even added me as a user and I certainly didn't sign anything.

3. I spent from XXXX yesterday, XX/XX/XXXX ON HOLD with Citibank/Best Buy. I never talked to anyone that could help me. I just waited. 
4. The account is under the name of XXXX XXXX XXXX ( my husband though we are legally separated ). He is aware of the situation, confirmed I was not an authorized user, and has tried as well to contact CBNA with no luck.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-08-05
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my {$310.00} medical debt in full to the company that owned it at the time, Action Collection Agency of Boston. On XX/XX/23, they cashed my check. 

On XX/XX/23 and again on XX/XX/23 I was contacted in writing by XXXX XXXX XXXX, who attempted to collect the same debt, this time for {$330.00} but for the same procedure carried out by the same provider on the same day. 

My guess is that Action Collection Agency of Boston both cashed my check paying the debt and also sold the debt to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: TX
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 recently got a copy of my credit file from Experian due to a inquiry that popped up on their. I have not applied credit in a long time. Who authorized someone to pull my credit file? Who allowed for them to pull my credit file when I have a Fraud Alert account? According to the FCRA, it's unlawful to provide my credit file without my approval or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: Ameritech Financial
State: PA
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:
Ameritech was supposed to be helping to get out of default with my student loans. I was paying the {$100.00} dollars per month and my income tax check was taken for XX/XX/2017. My income tax check was not supposed to be taken and they harassed me about making the monthly payments. Ameritech / XXXX XXXX  made my bank account overdrawn of which I had asked them not to go into my bank account because they were not helping me. I have emails to prove it. I was so upset. I do not have the money to pay my loan off and I was under the impression that I was not in default anymore due to Ameritech was supposed to be helping me. 

My first payment to them was for {$140.00}. XXXX in XX/XX/2017. The regular payments was {$100.00} per month. I was struggling to pay that amount. I want my money refunded and the amount of my income tax check and I had to pay XXXX XXXX {$100.00} dollars due to the check was taken and they would have taken their money out of my income tax refund check. I think Ameritech should give me back all of money. I am struggling to make ends meet and this happens to me when I am trying to pay student loan. My credit is destroyed when they reassured me my credit would be okay in a few months.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-26
Company: AMERICAN EXPRESS COMPANY
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:
I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 amex  XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Subj : COVID-19 Financial Difficulty - Forbearance Request. 

On XX/XX/XXXX, I notified ( via USPS Certified Mail ), the lender, USAA, that I was experiencing a financial hardship due to COVID-19 and would not be able to make payments on my USAA Credit Card. I requested a forbearance for a period of 6 months. At the time of my request, my USAA Credit Card was current. In my letter, I agreed that the account would be restricted from further charges while in forbearance. I have emailed ( thru the member portal ) and called the number listed on their website ( XXXX ) for members to call if they were experiences financial hardships. Now USAA is threatening to report delinquencies to the credit bureau and has not responded to my forbearance requests. It is shameful how poorly USAA treats Veterans who they direct their marketing as supporting. I have been a member of USAA since the events of XX/XX/XXXX and have excellent credit. Thank you for assisting in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: CA
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 am filing this complaint against Equifax and in conjunction with existing complaint XXXX # : XXXX ) against XXXX. Now my Equifax score has dramatically dropped credit score from XXXX to XXXX within this past week. I created an account with Equifax, filed some basic information disputes and was able to finally connect with a representative. The Equifax representative could not confirm this score drop in their system and when I asked him what activity do you show in the last two weeks, he said also that their system could not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So recently me and my husband were looking for house for rent .We are new to Arizona we didn't know they were so many scammers on any abs .I don't know why XXXX gives you the option to request your money back when people are scamming us we didn't know it wasn't true until I have some show up to my home where I supposedly I paid rent XXXX  and I got scammed i have paper where supposedly I was never true that house never belong to them we got kickit and lost all that money I wish there was a way they can help please anybody .its not right. I have emails where he said me the lease to house messages .I really wish some can help we are XXXX XXXX XXXX XXXX And then the scammer still has the the courage to texts me laughing. So we tried to request are money back and they keep declined it .I 'm so stressed out i have no where to go .it sad how people can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I removed overdraft protection from my checking account and told the bank not to cash payments on multiple occasions if I dont have the money to cover charges. Instead they run charges anyways and bill me {$34.00} overdraft fees and {$15.00} extended overdraft fees on top of it. If I dont have the money how is it logical to charge me fees on top of fees? Its illegal and being done without my consent! Please help protect the little guy, thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: IL
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:
I sent two dispute letters out to Experian Credit Bureau regarding the accuracy of the account ( XXXX XXXX XXXX ) that they are reporting on my credit report. The first dispute letter was sent last year in XXXX, XXXX and the second letter was sent this pass XXXX, XXXX. Both letters were unanswered and has been over 60 days and yet I wasn't provide with any proof of the investigation was even in progress or the results of the investigation. I try contacting them via phone to ask for proof of the investigation or results but was told that they were unable to provide any proof or documentation regarding the results of the investigation on this account. 

My Dispute : If they do not have any documentation in there files to verify the accuracy of these disputed accounts then they must be delete immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i )

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 2021-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For my XX/XX/2021 payment on my Bank of America Mortgage ending in XXXX, the payment was applied on XX/XX/2021, but then on XX/XX/XXXX, the payment was returned and I was charged fees. 

Why did they withdraw money on XX/XX/XXXX and return the payment for a payment that was processed on XX/XX/XXXX? I had the money in the account on XX/XX/XXXX, when the payment was processed, and it was withdrawn from my bank 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 monetary relief
Consumer complaint received 2021-02-21
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX I enrolled into a debt counseling program. I gave them all my credit info. And never opened any new accounts due to wanting to get out of debt. In XXXX or XX/XX/XXXX I received a call from the debt counseling company asking if I wanted to add the new debt of XXXX. I advised them i never opened any new credit cards nor had I had any new debt. They gave me the number of the company claiming I owe them XXXX. I called the number which was Midland credit management XXXX XXXX XXXX. They would not.give me any information on the account I told.them I never opened an account with them and wanted to know who opened the account. They just kept transferring me over and over. Never giving me any information just wanting to collect money from me. So I ignored this fraud claim thinking they got the hint I was not going to pay them any money. So, today I checked my free credit report and noticed this company is on my credit report it had the date the card was opened how much is due. So I called them again to let them know I never opened this account and asked for information on who opened the account and again I was transferred over again. Also, when I call they answer the phone as if they were home and not.in a professional setting. I dont know what to do and how to dispute this fraud. Any help would be greatly appreciated. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First of all, my XXXX had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. 

Around XX/XX/2020 I noticed that I was referred to debt collector called Medicredit - XXXX XXXX XXXX Maryland XXXX, MO XXXX. 

I talked to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, 2020 my bill did not go through BARCLAYS BANK DELAWARE - account with 1 missed payment. I am kindly requesting BARCLAYS BANK DELAWARE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: GA
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 did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, a check for the amount of {$8600.00} was withdrawn from my account with a stolen check and a fraudulent name that was added to the check without my prior permission or knowledge. 
I contacted Bank of America and the police and so far BOA has done nothing to remedy the problem. They have closed of my account by placing a pending debt hold of {$880000.00} without notifying me, they have also not done anything to get my money back. I have been calling for over a month and every time they would tell me a different resolve date and tell me someone would get back to me within 24-72hours and to no avail! 
I need this fund back in my account for a very urgent transaction and as its such a large sum and I can not just withdrawal it from somewhere else. 
Bank of America has completely ignored my issues and kept postponing the date and the process. Initially they told me it would take two weeks, then it became 30-60days,  upon my last conversation with them, it has gone up to 120day or more!

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 2018-04-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I, along with my Mother and Daughter continue to receive threating phone calls of lawsuits and fraud from someone named who claims he works for XXXX XXXX XXXX. He continues to give out my personal information to my family members and calls them all throughout the day. He claims he is acting on behalf of Ace Cash Express but I spoke to them and he, nor his company has anything to do with them. This has been happening for the past three weeks.

Company response to consumer: Closed with explanation