BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-15
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Too many dates to count- the debt is continually sold to other reporters when I explain situation and this debt has been settled and discharged. 
XXXX XXXX- {$2300.00}, 3 accounts- medical debt that was discharged and filed on my XX/XX/2015 taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: AR
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 sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent  them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.

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 2018-07-15
Company: EQUIFAX, INC.
State: MI
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:
Dear Sir, Equifax did not address my previous consumer financial protection bureau complaint and did not resolve the complaint, where as closed XXXX credit card and loans information missing in the credit report since XX/XX/2018. I also ran Equifax credit report dated XX/XX/2018 and I did not find closed DCU credit card and missing XXXX Auto loans in the equifax credit report , which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response. Removing closed Auto Loans/Credit cards from credit report is a fraud and unlawful. Equifax interim response to CFPB on XX/XX/2018 that they were working on my complaint and response is in progress. Equifax again responded to CFPB on XX/XX/2018 that they mailed investigation report on XX/XX/2018 (  which is Sunday, Equifax also mentioned in the CFPB 's response that Equifax does not work on Saturday and Sunday ). Also, there is no investigation report and evidence attached to the CFPB 's response and I did not receive any Equifax Investigation Report dated XX/XX/2018/Evidence over the mail. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed/missing from the credit report. Could you direct Equifax to add/update my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years. I need the complete documentation and Equifax fraudulent investigation to submit to concerned courts and Law Enforcement officers. XXXX holds the complete legal accountability and responsibility for missing Auto Loans, my Vehicle VIN number and various other information related to these XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have 2 HELOC with Wells Fargo and have been paying more than minimum for approx. 15 years, yet my balance remains unchanged

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 2020-11-22
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/2020, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit report per 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 2020-05-16
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received an alert on my credit report ( XXXX, XXXX and XXXX ) that I paid them directly and they closed this account. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I have never paid, nor been in contact with or have any contracts with this company at all!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There is charge on my account which doesn't belong to me which they never resolved the charge There is a charge on my account which doesn't belong to me. I disputed this charge one year ago and still this charge appears on my bill. They charge me instead of someone else who has the same last name as me. This was the clear mistake of living space costumer service. The living space knows their mistake but no one wants to solve this problem because of their poor customer service. Because I was disputing this charge they froze my synchrony bank application which I was using to pay my bill. When I traveling back home I tried to pay my bill but because they froze my application I couldn't pay my bill and they reported miss payment on my account even it was their mistake. I can not make 1-800 number internationally from the country I am from to pay my bill. I never paid even one day late prior this issue with this company before but because their poor practices now they damaged my credit score

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 2021-02-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RM is claiming that I owe them {$430.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
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:
THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. 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 2018-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was a cardholder of the Chase XXXX XXXX Rewards Visa XXXX credit card in XX/XX/XXXX-XX/XX/XXXX. This card came with a sign up bonus of three XXXX XXXX ( tier 1-4 ) free nights which I earned in XX/XX/XXXX. The nights can be used for the following year. During the year of XX/XX/XXXX, however, I experienced a series of health issues which prohibited me from traveling. I was in bed rest in almost the entire year, and I had a XXXX in XX/XX/XXXX. 

This credit card had a {$450.00} annual fee for the 1st year which increased to {$550.00} at renewal in XX/XX/XXXX. Given my health condition, I called Chase and XXXX XXXX Customer Services ( CS ) in early XX/XX/XXXX to discuss my situation. Chase confirmed my free nights should still be fine if I closed my credit card. XXXX XXXX responded that they would be willing to extend the free nights for me, but I need to call them again when those free nights are about to expire since their system doesnt allow them to extend the nights too early. 

Given the advices I got from Chase and XXXX XXXX, I closed my credit card afterwards. On XX/XX/XXXX, I called XXXX XXXX to extend the nights but only to be shocked that they said unable to do so since my credit card was canceled in XX/XX/XXXX. That was not my understanding from before from Chase or ever brought up when I first discussed with XXXX XXXX. Even the rep didnt realize the system requires the credit card. After talking with numerous people, a CS manager suggested me calling XXXX corporate office. I did, but after checking with his manager, the rep told me XXXX XXXX would not honor the bonus since that was part of Chase credit card promotion. 

Last month, I retrieved a copy of the Chase credit card terms. Clearly it does not say the free night bonuses require an active credit card. I then contacted Chase Executive Office. But after one month of research, the rep ( XXXX ) told me now there is nothing Chase can do but I should go back to talk to XXXX XXXX since Chase never took the bonus nights away after I closed my card. It was XXXX XXXX 's problem. 

This is an unbelievable example of how a customer can be misdirected, ripped off and unfairly treated by big companies like Chase and XXXX XXXX due to their own misunderstanding, miscommunications and misleading advice. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On the XXXX of XXXX of 2017 I made an inquiry to a babysitting position on XXXX ( provided are screenshot attachments of the exchange I had with the scammer who I did not know was a scammer at the time ). I was hired and within a week I had received a check in the mail with instructions to deposit the check at my bank account ( that I had at the time with Bank Of America ) and that once the check got cleared to subtract my pay and to wire the rest of the amount to the scammer to him/her through XXXX. I deposited the check without me knowing the check was a fraud and few days later my bank account was put on lock for suspected fraud activity. I contacted Bank Of America 's customer service and was told that in order to clear my name I would have to file a statement with the local police department. I did as I was told and provided all of the evidence I had. I stopped all contact with the scammer and eventually my bank account was shut down and my report was blacklisted so I am not able to obtain a new account. Below is also an attachment of the statement/case that I made at my local police department. Please contact them to verify that my intention was not to commit fraud. Their number is ( XXXX XXXX XXXX Thank you.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: AR
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:
and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong I went to file my taxes to me. Please remove these fraudulent accounts from my report. XXXX XXXX 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 2019-06-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello. 

I ordered international money transfer to XXXX via MoneyGram. By the time I requested this transaction, all MoneyGram system in XXXX was down which MoneyGram didnt let me know. My receiver in XXXX went to MoneyGram agents everyday since XX/XX/XXXX. The system is still down. I just called MoneyGram to ask about it and they said that they didnt know because they dont manage all their agents. The money was supposed to transfer in few minutes and thats why I paid extra transaction fee. But its been 10 days. I requested the refund but refund process will take 3~10 business days. I asked them to check their system and how long it will take to recover. However they said they dont have connection with all the agents. I would like to check MoneyGrams policy and their management. If they dont manage all their agents and system, they should not promise instant money transfer and to let their customers money get stuck. It was important and urgent transfer. If they cant transfer that money to receiver as they promised, at least they should refund right away. I dont want this happen to others. Please check this company and let me know. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2020 - refinance mortgage with XXXX XXXX XXXX  XXXX. Paid off Home equity line of credit ( Heloc  ) May- XXXX  XXXX XXXX XXXX ( XXXX ) mistakenly reports Heloc delinquent XXXX I contact XXXX, file complaint with TransUnion , XXXX and XXXX Credit score drops 100 points to XXXX. 
XXXX  sends all three correction and removes negative comment XXXX Credit score corrected XXXX Credit score dropped again Filed another complaint with XXXX and TransUnion XXXX Credit score corrected XXXX Credit score drops AGAIN at TransUnion Filed another complaint XXXX repeatedly has contacted TransUnion and they fail to correct .XXXX XXXX, reporting agency used by XXXX also reports low score but NEVER corrects XXXX Credit Score corrected by all three Mid XXXX ( now ) TransUnion drops score again to XXXX because of non existent delinquent payment. Contacted XXXX XXXX XXXX for third time. She continues to try to help. 
I've saved emails and screen shots of rollercoaster credit score from 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 2022-10-05
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
I had a home mortgage modification which also included a second mortgage. The loans were transferred to two separate mortgage servicers. The maturity date on the primary loan is XXXX. However, the servicer of the 2nd loan is reporting that my monthly payments are {$11.00}, XXXX, which is the total balance of the loan. As a result of the inaccurate information my debt ratio is 250 %. I've disputed with both the credit bureaus and the servicer, Select Portfolio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Information belongs to someone else

Complaint:
The following account ( XXXX XXXX XXXX ) belongs to someone with the same or similar name. Please delete this 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 explanation
Consumer complaint received 2020-09-01
Company: Global Trust Management LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Global Trust Management is calling me repeatedly to collect a debt I do not owe. They will not tell me who the debt is from or how much it is. They are asking for personal information ( if I am s senior citizen etc. ) I have told them to stop calling me and that I do not acknowledge any debt they me be calling about. They continue to call using the same tactics, asking for personal information and refusing to answer questions about the debt they are trying to collect. The call always ends the same way. They say that because I am refusing to cooperate they are terminating the call. 

I check my credit reports regularly and I am not behind on any debt that I have. And do I have any outstanding judgments against me. All of my credit accounts are paid current and I have a higher than average credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase and United Airline prominently display their advertisement about the incentive. I purchased United Airlines tickets on XX/XX/2020 with the understanding that {$250.00} statement credit would be posted to my United Explorer credit account. However, Chase conveniently claims that the purchase and the credit card application did not happen during the same session. Therefore, I am not eligible for the credit. As much as I tried to do both in the same session, my online application did not go through. There was no warning or alert regarding the condition of failing to secure the credit. If I had known the buried fine prints, I would have not gone through the hassle of applying Chase United Explorer credit card.

Company response to consumer: Closed with explanation