BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover is reporting that I have missed 2 payments. I have paid {$300.00} a month for over a year. I have been unemployed for over a year so {$300.00} a month is all I can afford. I have not missed any payments.

I realize {$300.00} is less than the minimum payment. Discover combines 2 payments I send to cover the minimum payment for one month and then reports I missed a payment and they charge me late fees, which has put me over my credit limit so the amount I owe them continues to rise, as the {$300.00} I send is not enough to cover the interest and late fees.

According to my Discover statement it will take me 48 years to pay them. 
Interest charged as of XX/XX/2019 : {$1500.00} Late fees : {$220.00} In the meantime my credit score drops monthly.

I have tried numerous times over the past year to come to some type of payment arrangement.

Discover Card admits they have record of receiving {$300.00} a month.

Discover calls me up to 5 times a day.

Discover states they will not work with me unless I give them access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
have a paypal account for online payments for me unfortunately I was a victim of phishing and the theft of my data from my card and my paypal account and made several unauthorized payments by me for amounts of XXXX $ and to the issuing bank of my card I recognized a part of these payments I demand paypal to recognize the rest of these payments that I do not authorize for an amount of XXXX $ because the XXXX  XXXX XXXX recognized me XXXX $ giving a total amount of XXXX $ and the complaint was presented to paypal and the XXXX  XXXX XXXX waiting for a solution and recover this money immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: OH
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:
In XX/XX/XXXX I received a letter advising me that a student loan through XXXX University was sold to a collection agency. I filed for Total Permanent Discharge ( TPD ) of this and all student loans in XXXX and final approval on XX/XX/XXXX. I contacted the collection agency with this information and XXXX which finally cleared up the " debt ''. However XXXX has reported late payments on the discharged loan in XXXX, XXXX and XXXX. 
I disputed this information with Experian & XXXX requesting the removal of all late payments, which has not be done. On top of it now they show the TPD discharge of the loan as a charge off, which is also wrong. Both Experian and XXXX have the TPD letter from the U.S. Department of Education ( XXXX ) but refuse to remove the negative information from my credit report.

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 2017-12-29
Company: DISCOVER BANK
State: FL
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:
Discover Student Loan ( s ) has incorrectly reported my account twice on my credit reports. The information reported is identical. This is direct violation of the Fair Credit Reporting Act. The amount that was charged off was {$7700.00}. Again, this debt has been reported twice, from the same creditor ( most recently as of XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian wouldnt give me my free credit report yet they report inaccurate information on my reportThe information listed on my report is unknown. Its stopping me from having a place to live. XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX 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 2017-12-29
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/17 I went to a frost ATM and tried to withdraw USD XXXX using a XXXX XXXX XXXX card. The ATM cancelled my transaction but I was debited the USD XXXX plus commission. I was never given the money and my XXXX bank started the investigation on that day. I was denied said investigation and my XXXX bank states that in fact I received the money which is not true. 
I have requested several times from Frost Bank to provide me with a copy of the recorded cancelled transaction made on that day from that ATM to which I have been told that there is nothing they can do and no copies can be given to me. 
I need Frost bank to provide me with a copy of said transaction so I can prove to my XXXX bank that in fact I did not withdraw said amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 went to get a car loan and Transunion is still showing my mortgage is delinquent when it is actually current, but since this is the only company the car loan people had access to, they could n't accept any other company 's reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: EQUIFAX, INC.
State: MN
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:
Attached to this complaint is a FTC Identity Theft Report. The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are fraudulent and unauthorized credit inquiries XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my Trans Union, XXXX and XXXX credit report : XXXX XXXX XXXX, {$8500.00} and XXXX XXXX/XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my Trans Union, XXXX  and XXXX  credit report.

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 2017-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On, XXXX XXXX, 2017 Equifax admit it discovered the breach more than a month prior on XXXX XXXX. For " 41 '' days my Intellectual Property ( IP ) were exposed to, and were unaware of potential identity theft during that time. Equifax gathers private intellectual data also known as sensitive financial data on consumers ' payment history, then sells data to banks, insurance companies, potential employers, landlords, and government agencies in the form of a Consumer Credit Report ( " Credit Report '' ). As a result of Equifax 's data breaches, I have suffered or will suffer damages, including the costs associated with fraudulent purchases, identity theft, theft of funds, fees paid for credit freezes, damage to credit scores, the cost of identity theft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Navient Solutions, LLC.
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:
The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to Navient. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
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 and 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 with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXXXXXX 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 2017-09-21
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: Account information incorrect

Complaint:
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, EXPERIAN AND XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-11-13
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, " XXXX XXXX '' called my wife 's phone from a disguised number which later would n't work when I attempted to call back to verify my complaint was being handled at that company which I believe is against the law to spoof numbers ( XXXX ) at XXXX and started to try to collect a debt for an XXXX bill I 've disputed several times as identity theft and never told me my mini miranda rights until several minutes into the call. After I advised him this was under dispute for identity theft he still tried to collect the debt by insisting on giving me the alleged balance due. I was n't disputing the balance, but rather the debt itself. I then asked for a manager and got " XXXX XXXX ''. He refused to acknowledge the bad training and the illegal contact and was determined to justify his rep trying to collect the debt after being told of the dispute. I asked several times for his manager ( 5 times ) before he placed me on a long hold for his manager " XXXX XXXX ''. XXXX XXXX did n't mini miranda me, but his manager XXXX XXXX did. This company made this experience very frustrating and extended as the call took dozens of minutes, disrupting my whole night with my family. XXXX XXXX XXXX was aware of my identity theft claim, but rather than work with me, they keep working to have new agencies collect this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my XXXX Credit Report, I downloaded a copy on XX/XX/XXXX to review the only credit card listed - American Express ( Amex ). 

Although Amex rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my Clear  Card Max Balance from {$15000.00} to {$6500.00} and closing my Clear Card Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), Amex continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include that captured in the fields highlighted on the attached XXXX  credit report including the following : 1 ) Amount Put Due = {$2800.00} ; Date Reported = XXXX XXXX 2 ) Date Closed = Blank Enough already ... the account was Closed by Amex on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS NOT A DUPLICATE OR A TRIPLICATE THIS IS A NEW COMPLAINT ABOUT ONGOING ISSUES THAT HAVE GONE UNRESOLVED. RECENTLY, I HAD TO HIRE AN ACCOUNTING FIRM TO CONFIRM MY SUSPICIONS AND THEY DID. I NEED ALL MY PAYMENTS APPLIED AS WELL AS MISSING FUNDS. I HAVE ALWAYS BELIEVED THAT I WAS BEING PUSHED TOWARDS FORECLOSURE AND ASKED SELENE TO SELL MY NOT AND IT SEEMS THAT IS WHAT IS TAKING PLACE. HOWEVER, I DO NOT WANT TO MOVE TO THE NEXT COMPANY WITHOUT RESOLUTIONS TO WHAT THEY HAVE DONE. I NEED THE XX/XX/XXXX PAYMENT APPLIED, THE XX/XX/XXXX MONEY ORDERS APPLIED AND THE MISSING FUNDS APPLIED WHICH EQUALS THREE PAYMENTS. I OWE FOR XX/XX/XXXX BUT THEY HAVE NOT ALLOWED ME TO MAKE THIS PAYMENT, ALL I GET IS THREATENING LETTERS LETTING ME KNOW THAT I AM IN DANGER OF LOSING MY HOME. THIS NEEDS RESOLUTIONS PRIOR TO MY MOVE OVER!!!!!

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 2021-10-14
Company: AFNI INC.
State: MA
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 tried to contact all the lenders involved with negative balances reporting on my credit report even though they do not belong to me, They sold off the accounts and they said to call XXXX and dispute saying they can't do anything. I would like all these negative collections removed because they are not in my name and I have no recollection fo opening nay of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$18000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: NV
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 have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.

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 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, XXXX AND TRANSUNION. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2017-11-13
Company: Experian Information Solutions 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:
This company XXXX XXXX XXXX has sold to XXXX XXXX XXXX XXXX a debt collector a disputed rental account ( Due to unsanitary conditions and no air conditioning repair in 10 days in 98 degree weather and the fact the apts were rented out to drug addicts rehab, with the police there every day and night, property manager was never truthful about repairs, stated XXXX would not provide the money ) and has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/2012 in the amount of {$1200.00}. I have never done business with Fair Collections and have not agreed to any payment schedule with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie. There has not been any adjudication of this matter by any court and the XXXX XXXX and XXXX XXXX have conspired to try to make me pay them through the fictional account they have attached to my credit report.

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