BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-03
Company: CITIBANK, N.A.
State: VA
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:
I have an account with Macy 's and I opened it in XXXX, I kept it in good standing and then the pandemic hit and a fell behind on some bills : Citibank being one of them. Macy 's and some of my other creditors decreased my credit lines to {$100.00}. The original credit line at Macy 's was {$1100.00} but I've been working diligently to improve my credit. I settled a lot of debt and I recently requested an increase on my Macy 's account that was decreased back in XXXX of XXXX. Macy 's declined my request due to my having an existing account with poor payment history which is not accurate. I believe that I have shown that I can manage a higher credit limit and furthermore it is untrue to say that I have an existing account and deny credit to a consumer. I did call Macy 's and speak with someone by the name of XXXX and she stated that she would be making a complaint to mend the error. However, I wanted to make the complaint to follow through to ensure that I am protected and I receive the attention that this demands.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted Experian, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is XXXX XXXX XXXX XXXX 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 2023-03-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company sent me a statement that I owed a debt to them and I have never heard of them until I received this notice. They are damaging my reputation by putting negative information on my consumer report after receiving a cease and desist ; they have defaulted in responding to my debt validation requests and affidavit. I sent them notices and highlighted their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
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:
Wrong information on my XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: General Motors Financial Company, Inc.
State: IN
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:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 


XXXX XXXX 1. XXXX XXXX XXXX 2. XXXX 3. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage XXXX, TX XXXX XXXX Fixed rate impounded mtg. Escrow deficiencies more than satisfied on two different requests yet payment still went up claiming taxes and insurance went up. Well of course they did and I sent in more than you asked on both requests. Then they said it was for the safety margin and I said I would send more $ and they said they would refuse it. I will retire soon and I want to keep my payments as low as possible. If escrow is satisfied then payments should not go up, not one bit! 

My last contact with the Escrow Mgr or Supervisor at Freedom Mtg was approx 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 2023-01-23
Company: EQUIFAX, INC.
State: MD
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 tried to dispute all the accounts on my XXXX, equifax, and XXXX credit report. They have multiple addresses under my name and I only lived at 1. They also have multiple names on my account with a middle starting with an F and mine start with an I. They have accounts on my credit stating still being open when I know they were closed. Also I can see a lot of hard inquiries that I have no idea who the person or company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was cancelled but I was still billed. After paying full amount I was refunded partial what was paid but negative report was never removed as promised.

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 2021-02-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, I sent a wire transfer to XXXX XXXX for the amount of {$150.00}. Until today XXXX XXXX the amount has not received by the beneficiary bank. I called the customer services several times at XXXX and every time they promised me to investigate it and get back to me but every time I get a different information and reason for the delay. On XX/XX/2021, I requested to talk to Direct relationship Manager and was connected to XXXX XXXX at XXXX. After her investigation and the emails we exchanged, I requested to cancel the transaction and refund me the amount. Until today, I have not received the money. I called Ms. XXXX several times and left her a voice messages, and sent her an emails but I have not heard from her until now neither returning my phone calls. Please let me know if you have questions or need additional information from me. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Checking and savings account charged undue fees. overdraft charges. availability of money due to overdraft charges

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 2020-02-18
Company: Westlake Services, LLC
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, I noticed that a credit inquiry was performed by Westlake Services Inc under my name on XX/XX/XXXX. There is also an auto loan opened an account by Westlake Service Inc. for a total of XXXX Please note that I have not authorized either made any contact with anyone from Westlake Financial Inc. I have never heard of this company. Im disputing this credit inquiry and the account as this was done fraudulently and it was opened by fraud. I sent a letter to XXXX XXXX, Westlake Financial, XXXX, XXXX  and XXXX  all in XX/XX/XXXX & today XXXX   mentioned the account will remain, but the credit inquiry will be deleted, because " The company has reported the information has certified to XXXX  that the information is accurate. '' which is not true! I have never opened this account, I don't have that auto they are talking about and I never heard of them until now! All of this needs to be removed from all of my credit reports, this is a fraud. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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: Account status incorrect

Complaint:
i wrote equifax about XXXX XXXX reporting an unverified account on XX/XX/2019 certified mail return receipt and ask them to verify or remove it.To this date they have did neither one and im asking that this negative item be removed off my credit report if not done within the 30 days by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I started receiving phone calls from various numbers on an almost daily basis. I screen my phone calls so I only answer calls from numbers I know but when I saw a flood of strange numbers, I started using XXXX to identify the numbers. I noticed a pattern of the calls were from Midland Funding, calling under different numbers maybe six or seven different numbers. They never left a message. 
I know of Midland Funding, what they do, their reputation, etc. I know theyre a company I have no interest in dealing with. Since they never left a message, I have no idea if theyre even calling for me, they could be calling for a prior owner of the phone number. If they are calling for me, I have no interest in doing business with them, no idea of any accounts they could be harassing me over. Furthermore they are in violation of the Fair Debt Collection Practices Act, 1692g, as many more than five days have passed since their initial XXXX XXXX call and they have not sent me a validation letter, or any letter. I have no idea of an account number attached to this account, if there is one. 
If they are calling for someone else on my phone number, I expect them to delete this number from their system. The phone number is ( XXXX ) XXXX for them to investigate. If their purpose in calling does involve me, I expect them to close the account in exchange for their violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD Bank froze my checking while I'm out of the country. I tried to use XXXX and ACH transfer to move my salary over to a checking account at another bank. So there was nothing out of the ordinary prior to freezing my funds. Customer service informed me that that I can only resolve this at a branch. First bank I really don't trust with my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it may concern, In the late XXXX 's, my late husband took out a loan from Navy Federal Credit Union. I learned about the loan once he passed away in XXXX of XXXX. I have copies of the transactions between the bank and my husband. I never signed anything because I was unaware of the loan. Additionally, from my understanding, Georgia is not a debt consumption state and I was living in Georgia at the time of his passing. I was very disappointed to learn that Navy Federal Credit Union would have someone with this type of attitude working for them. The lawyer that was reaching out to me continuously harassed me and threatened me with a garnishment of my wages in XXXX of XXXX. In XXXX, I filed bankruptcy and included the loan in my filing. On XX/XX/XXXX, my current employer received a garnishment of my wages for this same loan. I'm furious. 

To resolve this matter, I would for Navy Federal Credit Union to leave me alone, return any money they have taken from me, pay any court fees I've incurred, and remove any blemishes they have caused on my credit report. 

I look forward to your reply and a resolution to my problem. 

Sincerely, Frustrated Customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now XXXX at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take XXXX 's testimony as fact- they have a documented history of making false remarks on consumer credit 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 2023-02-28
Company: AES/PHEAA
State: CA
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:
My student loan was forgiven under TPSLF with a forgiveness date of XXXX, but the number of qualified payments was not counted correctly, and the date of forgiveness should be in XXXX to include my qualified payments from XXXX to XXXX while I was working at XXXX ( a qualified employer ). I was given a refund check to reflect loan forgiveness as of XXXX, but the check amount needs to include the payments from XXXX as well. Please review the attached qualifying employer forms, include ALL of my qualifying payments starting from XXXX ( while working at XXXX ), and refund the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My correct date of birth is not reporting. 

XXXX Different address are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-11-04
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b XXXX and Equifax are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$14000.00} ; According to FCRA Section 605B ( a ) XXXX and Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me almost every day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: TX
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 : My name is XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
It was a cash app card and money was taking out of a card I created for my daughter. It was XXXX $ or more that was fraudulent sent. Once the company was informed. They stated it was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
has limited my paypal account permanently.Although I reported that my products were delivered and I was ready to provide the necessary evidence, they did not help. 
it is terrible that they behave so biased and irresponsible I would like to report that I am negatively affected by this situation. 
my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 second 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief