BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft due to the OPM breach while I was employed by the FBI. An account with XXXX was opened fraudulently and they sold this account to XXXX XXXX who placed this in collections on my credit report. I have sent my FTC identity theft affidavit, letter from OPM verifying what information was compromised, proof of my identity bearing my signature and a copy of the 605B statute to XXXX, XXXX and all three credit bureaus. I requested that XXXX provide me with proof that I have a contract bearing my signature that I owe them this debt on two occasions in writing. They have failed to provide me with anything bearing my signature. They sent me a statement/bill bearing an address that I have never lived. When they sold this debt to XXXX, I sent the identity theft documentation to all three credit bureaus and to XXXX directly. In a timely manner, XXXX immediately deleted the account from my reports as a collection. However, XXXX refuses to delete this charge off from my credit reports and is claiming this debt is valid despite having no proof of contract with my signature and despite the fact that they sold this debt to XXXX and no longer own this debt. They have claimed that my identity theft is invalid despite the documentation I have provided to them and that payments were made on this account but have provided no proof of any payment bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
They are reporting the wrong information such as my address and my name

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 2020-07-30
Company: CITIBANK, N.A.
State: FL
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:
On XXXX I was notified by Citi bank fraud detection that someone was attempting to use my card at a XXXX XXXX XXXX and I notified them that I was Not making the purchase. After I was prompted to review my statements if any other purchases were on my statement besides the attempted purchase that was blocked. I discovered a fraudulent transaction that was made on XXXX in the amount of {$3200.00} at XXXX XXXX. I contacted Citi Bank to let them know of the second charge and they sent out a new card but said the charge was valid. I tried to contacted the merchant and discovered it was a fraudulent company that I cant even get an invoice to exam or any information about the charge.

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 2020-10-13
Company: Experian Information Solutions Inc.
State: MA
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:
I called Experian Credit Reporting on Monday, XX/XX/2020 because I applied for a loan and was told that Experian Credit Reporting shows I do not have any credit. After speaking to 3 different people I was told that there was an " internal issue '' on their part related to a split file. I was told that it would take 4 to 5 business days to have my credit corrected/restored. 

I called Experian again on Friday, XX/XX/XXXX and was told that my file still hadn't been correct/restored. They said it was only 4 days so I should check back next week. 

Today, Tuesday, XX/XX/XXXX I checked online and saw that they still had not corrected/restored my report. I called for that first time at XXXX XXXX. I was placed on hold and then hung up on after 15 minutes. I called again and asked for a supervisor. I was transferred to another person ( not a supervisor ) and once again placed on hold and hung up on again. I called back again and asked for a supervisor, it's been 1 1/2 hours since my original call and I am on hold again.

I was told that their " Dispute Department '' is the one handling my file. When I asked to speak to them directly I was told they don't have telephones. 

I understand that we are all operating differently due to COVID-19 but this is totally unacceptable. All I want is an answer as to when my credit report will be corrected/restored.

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 2021-07-08
Company: LoanCare, LLC
State: MD
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: Investigation took more than 30 days

Complaint:
I have disputed an error on an account that was closed in XXXX. The account was being reported late for XX/XX/XXXX. I have disputed this late record over 45 days ago and XXXX  has done nothing but collude with the company. XXXX  has done nothing to correct my credit report. The account is Loan Care LLC. Account # 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 2020-10-13
Company: Harvard Collections, LLC
State: DC
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:
Harvard Collection Services LLC came unto my credit report. Never received a validation letter. Company is fraud and I called the originator and they do not show me owing anything. XXXX  has had over 95 complaints. 

46 Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/2020 I went to check my credit report and theres an account from Harvard Collection Services. I never received any notice from them and have never heard of them. I have really good credit because I pay my bills on time. Well, I had really good credit. That account that was reported to the credit bureau dropped my credit score by 60 points. I have no idea what this business is and never heard anything about or received anything from them. Im requesting they remove this account from all credit reporting agencies. 
Response XX/XX/2020 Re : Case # ******** ***, XXXX We appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services. 

Upon investigation we found that account at issue was assigned to our office by our client on XX/XX/2020 in the name of XXXX, XXXX. Our records do not indicate any prior contact with the consumer. 

Upon receipt of the complaint the account has been submitted for credit deletion and the collection activity has been ceased. Additionally, we have requested the itemized bill from the client. Once received we will send it to consumers mailing address for validation of the debt. 

If we can be of further assistance, please feel free to contact us at # # # - # # # - # # # #. 

Sincerely, Harvard Collections Services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the process of trying to purchase my first vehicle back in XXXX I was unable to, due to a Bank of America account that was opened since XX/XX/XXXX without my regards. Ive been a victim of identity theft. 
Today this account has a balance of {$2600.00} and is effecting my credit score. I contacted XXXX  and XXXX  multiple times by mail and neither has solved my problem as this account is still reflecting.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an alert that a collection account was added to my credit file. The account stated XXXX XXXX in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. The company they state I owe is XXXX XXXX. Which was highly unusual because I am a customer with XXXX XXXX and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX to verify the debt they said there debt was valid. I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. Please remove this fraudulent account from my credit file correspondence below. Thanks.

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Yesterday XXXX around XXXX. I received a call from Bank of America Fraud Dept phone number XXXX asking if I had been using my acct in Georgia . Obvious answer was NO. So I checked my online acct and noticed a transaction for {$4.00} debited and credited back to the acct. While on the phone with Bank of America Fraud Dept, I was told my online profile had been compromised and to change my password, I did not change password while on phone call. They had said, XXXX was transferred from my acct and to go to XXXX and send money back to my existing ACCT. So, I sent the money to phone number that corresponds to my Bank of America online profile. Again similar transaction for smaller amount of XXXX out of another account. I thought everything was fine. However, a few hours later my son and I had an over whelming feeling of deception. SO I reached out to Bank of America Fraud Dept. They had informed that I had been scammed. I couldn't understand how they could use my cell phone number to accept funds. I couldn't understand why b/c the phone number was sent to my number that corresponds to my Bank of America Acct. Completely devastated. Immediately filed XXXX complaints for both transactions with Bank of America Fraud Dept. Couldn't sleep last night, so I researched a bit of info. Comes to find out XXXX is owned by XXXX XXXX XXXX XXXX which is owned by Bank of America , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These banks are required to abide by Regulation E ( EFTA ) which covers fraudulent charges. However, it doesn't seem like banks are abiding by the disclosure requirements about their affiliation with XXXX. Supposedly XXXX doesn't have any Consumer protection for victims of crime. However, the banks promote XXXX with no protection, and Banks own XXXX XXXX XXXX XXXX.!!!!!!!!! This needs to be addressed b/c its dangerous and many more people will fall victim. Told me 10-45 days, with moderate results. At this time right now, this is a calamity. So I'm reaching out to everyone for assistance, ( FTC, FBI, CFPB ). Please help, someone has to be able to help. Bank of America, please help.

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 2021-07-08
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I have disputed an error on an account that was closed in XXXX. The account was being reported late for XX/XX/XXXX. I have disputed this late record over 45 days ago and Equifax has done nothing but collude with the company. Equifax has done nothing to correct my credit report. The account is XXXX XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Refuse to validate. Reporting erroneous info. Never late/past due in XXXX XXXX XXXX XXXX Auto loan & line of credit. 

Delete immediately as it is adverse. Ive submitted several legal affadavits over the months but they refuse to validate. 
Only says it belongs to me with no proof.

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 2016-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While requesting a pre-approval mortgage loan from XXXX XXXX, on XXXX XXXX, 2016, i found out there 's is something in my credit report that does n't belong to my personal credit history. It is from XXXX, joint acc. # XXXX opened on XXXX for the amount of {$6800.00}. i called XXXX, they told me they could't help me with this because the account was n't under my name. they reffered me to Equifax to be helped with removing that transaction from my credit report history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both XXXX and Equifax There are three new credit inquiries on my credit rating accounts with XXXX and Equifax- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX  XXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I have contacted National Credit Systems Inc, on behalf of XXXX XXXX XXXX, last year I advised them there is a litigation opened to correct this matter, the Collector advised me there were investigating, and they will be contacting me, i have contacted the actual owner company for this apartments, and they stated they will be correcting this problem asap, that the last XXXX was fired cause she unethically has thread on me on ruining my credit. Due to a a personal matter, she was having an affair with my husband.Since then they change management company and my credit is ruined. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: SERVISFIRST BANCSHARES, INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Tuesday evening, XX/XX/2021 tried using my debit card to make a {$8.00} purchase at XXXX ... my debit card ( Serv 1st Bank ) was declined ( balance was {$410.00}, had gone to the bank earlier in the day ), tried several times. 

Last week the same problem tried to make a purchase on line, ( balance was over {$400.00} ), called the bank, spoke with Ms.XXXX, state that a previous online order ( on XX/XX/2021 ) made to XXXX in Arkansas was in question, but they let the order go thru, then decline my card for further use. 

Which did not make sense, if your questioning the purchase, don't allow the purchase to go thru. I made the purchase to XXXX on XX/XX/2021. 4 to 6 weeks ago the same thing happen again, tried making an online purchase, my card was declined. I called the bank spoke with XXXX or XXXX, he state that the bank controls my money, I then drove to the Bank, spoke with Ms. XXXX, she that the bank does not control my money, if there is a question then they contact me. 

I have never had a problem with my card until 3mos ago. I think it is racially motivated, by bias persons working at this branch and condone by the CEO of this bank. 

Please investigate Servis 1st Bank on XXXX XXXX, XXXX, AL XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: CA
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:
These 7 accounts ( attached ) were first opened in the XX/XX/1980 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: National Credit Systems,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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed XXXX, XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the free checking acct online on XX/XX/XXXX for the XXXX bonus for a direct deposit and meet all requirements.On XX/XX/XXXX I had a direct deposit of XXXX deposited and it was credited around XX/XX/XXXX. No problem yet. 
I was sick with a case of XXXX and could and would not go to a bank. I had bought 2 money orders for XXXX at an XXXX XXXX  store and another money order for XXXX from the US Postal Service before I was ill. I had paid a fee for these also and have receipts also showing I paid in cash. 
I used the Key Bank mobile deposit system on my phone to deposit these 3 money orders via mobile since I was not going to the bank. I received acknowledgement of the 3 deposits totaling {$1400.00} I checked my account a few days later online and found out it was locked! I called the XXXX # the site said to call. After being bounced around for almost 45 minutes, I was told they are investigating " fraud ''. This is outrageous. I duly and legally purchased these money orders and mobilly deposited these items. I called the local branch in XXXX NY and spoke to the manager XXXX. She was quite professional and told me that they are investigating fraud. She told me it would take at least 10 days!!. I also received a letter from Key on XX/XX/XXXX telling me the deposit of XXXX is on hold till XXXX Today is XXXX.Today I received a mailed statement with my XXXX deposit listed along with my total balance of {$1900.00}. I want access to my funds now. This investigation like I am a criminal is a total sham. I also want my XXXX bonus which is not on todays mailed statement! So far its almost 2 months that I have no access to my acct and they are holding my money!!

Company response to consumer: Closed with explanation