BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$400.00} CHAPTER XXXX BANKRUPTCY 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 2020-10-30
Company: Experian Information Solutions Inc.
State: NJ
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 letters out certified over 90 days ago and still have not been notified. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done. I'm a single mother of XXXX and life is hard enough as it is without having this extra burden on my shoulders.

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 2020-10-30
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I get payday loans from XXXX and pnc stopped it. This isnt fair to the customer. If we choose to do this we should be able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  credit correction provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX  XXXX bank account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.

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 2020-05-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notified this company about an item being reported on my credit report. I sent the attached letter asking them to please remove this item from all my credit reports. They have not responded. I would like then to remove this unknown account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whomever This May Concern : First and foremost. I put in my first complaint that this is me, XXXX XXXX XXXX submitting this complaint. That is the same case with this complaint. No one has my login information but myself. You are going to find yourself hit with a lawsuit if you do not block the information that I have requested you to block and if you do not take my complaint seriously. I have submitted a dispute via certified mail as well. My attorney is on standby. You should take this complaint very seriously. If this item hasn't been removed or blocked from this bureau within the next 30 days, we will sue. The company XXXX XXXX XXXX showed up on my credit report for 1920 for a debt that does not belong to me and that is due to identity theft. I did not receive any notification from this company at all. This same fraudulent debt was held by XXXX XXXX earlier this year and I disputed and it was blocked. I appreciate you handling this immediately. 

Stop saying that this is not me submitting this dispute. This is me handling this dispute and complaint. I need this acted on immediately.

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 2020-07-13
Company: Experian Information Solutions Inc.
State: OH
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:
Account closed months ago, tried to settle debts, 30 days no response and still reporting late payments every month violation 15 1692f and demand settlement of account and removal off 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 2020-09-04
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi! 
My name XXXX XXXX. 
Please take a look. 

I have a Discover credit card that I used to purchase items at XXXX XXXX. There were charges and returns and my balance should have been XXXX. However, Discover claimed that I owed over {$500.00}, which I didnt, and used a cashback bonus that I had in the amount of {$540.00} to cover that balance that I did not owe. 

In addition, I also had a credit from XXXX XXXX - a security dispute adjustment in the amount of {$910.00}, which Discover also took.

I have tried to resolve the dispute with Discover but was unsuccessful. 


In XX/XX/XXXX, I used my Discover credit card to pay for my orders at the XXXX XXXX and XXXX XXXX. I returned many of my orders. They didn't suit me. Refunds for purchases at XXXX XXXX ' store were made late. I spent a lot of my time and energy trying to get the store to fix this. It was eventually done. However, the Discover Fraud department created, for me, a report with a new balance of {$400.00}. Also, {$900.00} disappeared from my credit account. This  amount, by the XXXX XXXX store, was credited to my account. On XX/XX/XXXX, I had two payments of XXXX each. The things with this value were returned by me. In the report, credits are made on XXXX and XX/XX/XXXX. Then in the report for XX/XX/XXXX, XXXX - XXXX XXXX, XXXX there was a security dispute adjustment {$910.00} dated XX/XX/XXXX. In the report for XX/XX/XXXX - XXXX, the amount of {$910.00} again appeared in my statement as a charge. It was dated with XX/XX/XXXX. In the same statement on XX/XX/XXXX it was credited back as a security dispute adjustment. In my next statement, like a my credit, this amount does not appear. It was stolen from me. i also have a cashback bonus {$530.00}. This money Discover Credit department took from me as well. Many times they asked me to cover the balance, that was created by them, with my cashback bonus. After that I received a new statement with a new balance. 

I really need your help. 

My phone number is XXXX XXXX XXXX Thank you so much for attention. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX at XXXX XXXX a criminal withdrew {$1800.00} from my checking account using a debit card that was attempted to be cancelled that morning by Bank of America from a stolen purse, without the pin number on the account. Crime was reported, bank of america did not conduct a thorough investigation and removed the temporary credit of {$1800.00} from my account XX/XX/XXXX that was put in back in XXXX. I have XXXX police reports on file, neither have found the criminal, and Bank of America failed to look at video at the branch in XXXX, NC where the money was stolen nor did they investigate my location/whereabouts because i was 3 hours away from the crime scene when it happened. I fully expect Bank of America to continue to drag this on for days and weeks and i have to retell my story multiple times daily to catch up the next new person i talk to on the case. Bank of america did not communicate with me one time from my report on XX/XX/XXXX and just took the {$1800.00} back, that is how i found out they closed their investigation saying the signature on the withdrawel was consistent with ours .... no duh! They stole our purse and could have learned to trace it during hte day. Plus i am angy i cancelled my debit card and someone trys to get a large sum of cash out, red flag, make them use the pin # for my protection! Bank of america 's policies are preventing them from doing the right thing now while they reconsider my case, they refuse to temporarily restore my {$1800.00} credit while the investigation continues. It is their fault the investigation failed! They have access to the video tapes at the bank, not me!!!! This is the problem with big banks, they don't care about their customer who has been loyal since XXXX for 20 years! They are on the brink of losing me as a customer for life!

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 2020-09-04
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Square Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX someone from cash app call me around 2 something Im the afternoon and said he was trying to fix my co workers account because I cash app her {$360.00} on XX/XX/2020 and her account was locked and they was trying to fix it Im the mean time they asked me to download this app on my phone and said the call was being recorded then they was talking and then asked me to send {$850.00} dollars to someone name XXXX and I told them I didnt know her so why am I sending money to her so they sent out my account {$850.00} so now Im trying to see why they take my money and send to the lady but them they was like Im finna send it back to you instead the sent {$2000.00} to someone name XXXX which said it was XXXX XXXX  from cash app them another {$2000.00} to XXXX again then sent {$2000.00} to XXXX  which I know her so I told her to send my money back and she said cash app had her send my money to some man name XXXX so I reached out to cash app thru email for and Unauthorize payment and the contacted me thru And asked me to answer 6 questions which I did on XX/XX/2020 and then they keep emailing talking about they cant do nothing about a Completed transaction contact the recipient I try to contact the Recipient and a recipient declined and blocked me and I let cash app know that also so they just keep sending me the same message as they cant help me and Im talking about {$6800.00} these ppl took from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Personal information incorrect

Complaint:
XXXX is XXXX XXXX not XXXX XXXX in which shows on 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 2020-11-23
Company: CCS Financial Services, Inc.
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: Was not notified of investigation status or results

Complaint:
I recently reviewed my credit report and noticed a collection account on there of which I have no knowledge. I tried XXXX this company and just keep getting a automated message to leave my information for callback. 

Having this unverified and unknown account on my credit report is damaging my ability to obtain credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TD BANK US HOLDING COMPANY
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 document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BARCLAYS BANK DELAWARE
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX and Barclays Bank Delaware. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-10-30
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ENHANCED RECOVERY COL ACCOUNT # XXXX DATE XXXX {$870.00} ENHANCED RECOVERY ATT ACCOUNT # XXXX DATE XX/XX/2020 {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.

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 2018-03-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I live in XXXX XXXX MD, I'm a single mom of XXXX. I was laid off in XX/XX/XXXX from a company, that I was employed with for 20+ years. I lost my home I lived in for 6 years with my children, it was my primary residence. We had to give up the family pets. 
My children and I have nowhere else to go but to become XXXX. 

My children and I have been through a lot. I have tried to keep a stable life for them over the years. I have lost that special bond parents have with their children because I had to constantly, keep a roof over their heads. It hasnt been easy but I never given up. I paid {$20000.00} down on a home and the person stole the money and disappeared. Now because of me being laid off I started to have problems with the bank even though I paid my mortgage and my home was sold wrongfully. In trying to obtain gainful employment the social security administration somehow messed up my information causing me to become unemployable. I'm still fighting this issue but I am working since XX/XX/XXXX. I have worked hard to get this house but unfortunately, I lost the battle to Wells Fargo. They know how to lie and create invisible documents.. Before, losing my job I would pay my mortgage twice a month before the mortgage was due. 

I would be very appreciate of the help. I am willing to help anyone I can so please keep me in mind all the time, if someone else goes through this same problem. I am a proud mother and person I would never asked for help but I have no one to turn to solve this problem. I would like help to buy a home free and clear with no bank or mortgage company. Ill appreciate any assistance or amount for this. Thanking you in advance for any help you would be able to help me with. 

Please help. 



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 explanation
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 I refinanced my home with chase bank with a escrow. In XX/XX/2020 I got a bill from XXXX County Property Tax department saying I did not pay my 2nd tax bill for 2020. I called the bank and asked them why they did not pay my property tax. They looked at my account and said the money was there and they dont know why it wasnt paid and theyd look into but the deadline for the bill was in 5 days and they said it will be weeks before they look into the reason and pay it. They said we can pay it and they will reimburse me. Now Im having trouble getting them to reimburse me in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX sold my debt to Kohn Law Firm. I am unsure as to why XXXX keeps reporting my debt. I contacted Kohn Law firm twice per the attached letters and have not received what I requested. I then proceeded to contact XX/XX/XXXXto dispute all this and Khon along with XXXX stated that the debt was correct without once again providing me with the information I requested. Again, XXXX should not be reporting this debt since they sold it and Khon Law did not provide me with the documents requested.

Company response to consumer: Closed with explanation