BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-10
Company: Waypoint Resource Group, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Waypoint Resource Group is fraudulently reporting on my credit reports in the amount of {$310.00} account # XXXX / XXXX. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I been a victim of IDENTITY THIFT PROBABLY FOR OVER SERVERAL YEARS. ACCOUNTS, COLLECTIONS, AND INQUIRIES.i HAVE SENT MULTIPLR TINES THRU THR FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS, ACCOUNTS, ETC AND INSTEAT OF BLOCKING IN THR 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON. TO PLEASON SEND ME DOCUMENTS OF PROOF. THEY DIDNT DO IT.. THE ONE ACCOUNT THAT THEY DID TAKE OFF. THEY PUT BACK ON, SAYING THAT THEY CALL ME MULTIPLE TIMES, WHICH IS A LIE.UNDER THE FCRA THEY WOULD NOT PROVID ANY PROOF OF WHAT INFORMATION THEY HAVE. IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT.

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 2018-11-10
Company: EQUIFAX, INC.
State: AZ
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:
US Dept of Edu/ US Dept of ED/XXXX is fraudulently reporting on my credit report in the amount of {$17000.00} account # XXXX. Ive complained to them over and over again that I never attended school in XX/XX/XXXX at all to no avail. This account never belonged to me. Ive asked them to send me the original instrument of indebtedness in its original form back in XX/XX/XXXX. The information that they sent was not mine and not my handwriting. This is against the law. 

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ally invest charged a {$200.00} fee to offset bonus earned for opening account, in error. 

The terms of the offer do not allow them to levy this fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/ I wrote a letter to Bank of America explaining my financial hardship. 
I stated that I have lossed a family member and had to help with funeral cost which is why I have missed payments. In the letter I stated if Bank of America would accept a reduced payment for the next 2 months on my debt starting XX/XX/. I also said I am not able to meet the current payment. And that I will pay you {$100.00} per month during this emergency. Starting XX/XX/ and I requested that my account not be placed with a collection agency and also withholding interest on my debt. I have received a letter and it did not assist with my issue stated in my letter.

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 2018-11-10
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navy Federal CU is fraudulently reporting on my credit report in the amount of {$5800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Credit Karma, LLC
State: MI
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:
Companies Involved : Credit Karma, XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Collection Agency, XXXX/XXXX/XXXX My credit report was obtained via CreditKarma by someone using my SSN, Name, DOB and other information - This account was set up with email address XXXX and my credit report was fraudulently obtained by someone else on XX/XX/2017. CreditKarma does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The Credit Karma information was then used to open a XXXX XXXX account on XX/XX/2017 ( one day after obtaining my credit report ) in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. XXXX XXXX XXXX - XXXX XXXX Collection Agency / XXXX XXXX Fraud Claim - XXXX. XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report. This XXXX account was apparently able to be created because Credit Karma provided ANY or ALL of my personal information to another person - which they used to fraudulently verify MY identity with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Santander Consumer USA Holdings 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:
I had a car financed through Santander and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both Santander and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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:
I have complained about this for more than a year, and Equifax has done nothing to update and correct the ridiculously fake address and the old, outdated phone number, inside the " Personal Information '' section of my credit report. Equifax is posting an address of XXXX, TN, where I have never lived, and never done business in. I looked that address up online, and it is an address of a mental health institution. I am ready to sue Equifax because of the fraudulent, slanderous address situation. Also, Equifax refuses to update the Fraud Alert section of my credit report. The Fraud Alert has an old, outdated phone number from 15 years ago. Equifax refuses to remove the outdated phone number. Another complaint is that while I have only one ( 1 ) physical address and move frequently, Equifax has posted a long list of physical addresses, as if all those addresses are pertinent and accurate. None of the addresses inside the Personal Information section of my credit report are correct, and one of them, the XXXX address, where I have never lived, is particularly disturbing, and outrageously, ridiculously fake and false. It is never correct for my credit report to state that I have more than one physical address, since I never use more than one physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX The Moore Law Group in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with XXXX XXXX that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time limitation and over 10 years had passed from the date of last activity inXX/XX/XXXX 
I was injured in XX/XX/XXXXand had to have several XXXX. I was not physically able to return to work until XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay XXXX XXXX after XX/XX/XXXX. 
Prior toXX/XX/XXXX, The Moore Law Group had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money The Moore Law Group stole from me was my rent money and they caused me severe financial and emotional damage. 

The XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that The Moore Law Group would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX The Moore group seized {$24.00} from my account and are harassing me to make a payment plan with them for the XXXX XXXX debt that the last day of activity is over ten years old.

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 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a bank of America credit card ending XXXX which was charge off on XX/XX/2018 but the bank did not followed 180 days federal regulation for revolving credits to be charged off on my account. In their statements and transaction list shows thats I have made a payment within that time 180 day period and the bank did charged off may account with out notice.

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 2018-11-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a promotional offer from Citibank to open a new checking and savings accounts requiring completion of qualifying activities to earn a cash bonus and would receive the {$600.00} bonus after the conditions have all been met as outlined below : 1. Open a new Citi Checking and Citi Savings account. ( I opened both accounts on XX/XX/18 ). 

2. Within 30 days of account opening, deposit a minimum of {$50000.00} in either new account. ( I deposited {$1000.00} in new checking and {$49000.00} in new savings account on XX/XX/18, same day I opened the accounts ) 3. Maintain a minimum of {$50000.00} for 60 consecutive calendar days following the date of deposit. ( Yes, I never made any withdrawals at anytime ). 

4. The Cash Bonus of {$600.00} will be credited to the new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all other requirements. 

5. I've spoken with two supervisors on two separate occasions and they both confirmed that I've met the qualifying activities to earn the {$600.00} bonus. They confirmed the 60 days plus 90 days would have occurred on XX/XX/2018 and they both agreed I should get the {$600.00} cash bonus by this date. 

I called Citi on XX/XX/18 @ XXXX XXXX they said it is being investigated. 
I called Citi on XX/XX/18 @ XXXX XXXX  said it investigation is being escalated. 
I called Citi on XX/XX/18 @ XXXX XXXX they said should be resolved soon. 
I called Citi on XX/XX/18 @ XXXX XXXX spoke with XXXX. She said the money will be deposited by 1-2 business days and that I have met all the qualifying criteria and I should have received the money back on XX/XX/18. 
I called XX/XX/18and confirmed the {$600.00} has not been deposited in either checking or savings accounts. 

In all discussions with the bank, they all agree that I have met all conditions of the offer but no one is able to credit my account. 

XX/XX/18 Went to the XXXX, CA branch and spoke with XXXX XXXX the rep that I opened the account with originally back on XX/XX/18 and she remembered me and checked her computer and called Citibank promotion dept and again, she confirmed that I did qualify for {$600.00} however " the process needs to go through another step '' and she will contact me when she gets additional information. Again, this is another attempt to stall or not honor their promotion. 

This promotion appears to be some time of scam to defraud consumer of their money so Citi can take advantage of the high flying stock market and use consumer 's money for free.

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 2018-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 is not my debt. The Collection Agency did not provide " bill of sale '' and date of first delinquency. The most important thing is the original creditor did not even show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Ascendium Education Group
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:
I don't have an account with this company ASCENDIUM EDUCATION. My loans have been settled from XXXX and the only loan I have is a private with another l lender. 

This company ASCENDIUM EDUCATION has never been in contact with me via mail or phone. I've disputed several times and the credit agencies are not investing properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with Capital One that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time  limitation and over 10 years had passed from the date of last activity in XX/XX/XXXX. 
I was injured in XX/XX/XXXX and had to have several XXXX. I was not physically able to return to work until XX/XX/XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay Capital One after XX/XX/XXXX. 
Prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money XXXX XXXX XXXX XXXX stole from me was my rent money and they caused me severe financial and emotional damage. 

XXXX  XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for  {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that XXXX XXXX XXXX XXXX would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX XXXX XXXX XXXX seized {$24.00} from my account and are harassing me to make a payment plan with them for the capital One debt that the last day of activity is over ten years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
1. XXXX is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXXXXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple times.XXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
2. XXXX is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices XXXX is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because XXXX is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if XXXX does not correct this matter in 30 days.

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