BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt originated in XX/XX/XXXX I was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: NY
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:
EQUIFAX - Is not fixing the Dispute as I requested on several of my Credit card accounts. 


I DID NOT DISPUTE THE ACCOUNTS, and Yet The Statement : " Consumer Disputes This Account '' is on several Credit Card Accounts ; XXXX and XXXX XXXX and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2021-11-27
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today, XX/XX/2021, I received three items in the mail, one envelope containing an unsolicited debit card from Navy Federal credit Union and the other two, with a letter each describing The Important Rights on two accounts should these accounts become delinquent under New York law. 

First of all, I never applied for these accounts with Navy Federal, not have I authorized anyone to do so on my behalf. I immediately contacted Navy Federal via phone and was told I was most likely a victim of identity theft and that I should monitor my credit and use a credit monitoring service. I was also asked for my email and mailing information in order to receive a letter from them regarding this issue. 

My main concern is having someone using my identity to illegally open bank accounts and commit fraud, destroying my credit and finances in the process. This bank is in another state from where I reside. I have not lived in Virginia nor do I intend to do so in the foreseeable future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in the XXXX for a week my second year of college in XX/XX/2016. When I got out I never heard anything for a year when I got a phone call from a debt collector. I was asked to pay my outstanding balance around {$500.00}. I paid immediately and have since found that I have 9 derogatory marks on my credit report. They were all from one stay in the hospital and were paid as soon as I was notified. They may have notified my parents, but that was never brought to my attention because of our relationship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: ACIMA CREDIT, LLC
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 found this loan installment on my credit report that I do not recognize of the amount of {$3400.00} from a company called Acima I contacted the company and they could not recognize me and just told me that they going to go through investegation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached to this complaint is a letter from XXXX XXXX Notice of Data Breach informing me my personal information has been compromised. The following inquiries Viewed By Others and Viewed Only By You currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, not my inquiries and is the result of the data breach and identity theft : XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023 , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023 , XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 , XXXX, XX/XX/2023, XXXX  XXXX XXXX XXXX XXXX , XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023 and XXXX XXXX XXXX XXXX XXXX , XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics lettersXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX XXXXFiled a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX XXXX  as last resort before I Sue them.

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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a call from a group identifying themselves as XXXX XXXX XXXX  group in CA from XXXX said they were trying to resolve a {$5000.00} delinquent Bank of America credit card they stated from XX/XX/XXXX I have never had a card with Bank of America. I told them that and he stated I would be facing legal ramifications. I called Bank of America and confirmed they had no account in their system from me currently or previously.

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 2018-02-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a credit card. Denied based on allegedly have zero credit history. Credit WAS NOT PULLED. They insist that it was done properly. I have an extensive credit history, since 1993. Obviously this is a scam.Refuse to help other than to insist on how they are right and did everything wrong. Told me to go to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Have business loan with Bank of America Practice Solution from XXXX. Recently got email from XXXX XXXX ( who did not know the practice name and his own phone number ), that I will have a balloon payment, because it was missing payments for XXXX!!!, Bank fail to sent statements on my accounts, Practice solution destroyed invoices for XXXX, sent fake yearly statements plus disclosed info for other health practices attached to my business, and they attorney sent harassing messages to destroy evidence. Do not recommend deal with this bank, full of criminals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a complaint earlier and here are the contents : I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 






















Please Block these inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX : {$690.00} XXXX XXXX  XX/XX/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 2023-05-26
Company: Experian Information Solutions 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:
to whom may concern, i never opened a XXXX  account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...

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 2018-03-05
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was informed that AD Astra recovery service is appearing on my credit apparently it has been reported to the credit bureaus since XXXX of XXXX. I am currently in the XXXX and never received notice of the debt. I am currently stationed away from home and left my mother in charge of my finances. She is the one who informed me of this negative report on my credit report. My mom has informed them that I am currently unavailable due to my deployment. She also informed them that I fall under the XXXX. She was told there is nothing that they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: SUNTRUST BANKS, INC.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX XXXX. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start making purchases for the company and ship the items to designated areas. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with SunTrust bank and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called SunTrust to ask them what happened and they told me that this was not my account and that I was not authorized. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable. I have attached many documents and there are many more emails should you need copies. I apologize that the emails are a bit unorganized, that happened while copying.

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 2019-10-29
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Shut down my Venmo account on XX/XX/19 with no explanation and said they are NOT giving me my money in my account back. I have emailed them back and forth and they will not refund me my {$1200.00} and no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a real estate attorney in Massachusetts. JP Morgan Chase provided me with an incorrect mortgage payoff statement. This has resulted in financial and legal harm to both my client and myself. The payoff statement was issued XX/XX/2019. The payoff number was good through XX/XX/2019. The bank received payment in full ( {$76000.00} ) on XX/XX/2019. I received a call from XXXX XXXX XXXX from the bank 's XXXX XXXX Department on XX/XX/2019. She left a message saying that the payoff statement was incorrect because the bank made a homeowners insurance payment on XX/XX/XXXX and there were insufficient funds in the borrower 's escrow account. XXXX XXXX is now demanding payment of an additional {$460.00} by XX/XX/XXXX or interest will begin to accrue on the loan and the mortgage discharge will not be processed. I am now forced to pay for the bank 's negligence and my client 's ownership of the property is being threatened by a loan that was paid in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred money to BBVA and I received an email that it was completed. The next day I checked my BBVS account and the transfer was not there and they refused to pick up the phone. I attached proof that they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX XXXX  XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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 2019-10-29
Company: EQUIFAX, INC.
State: GA
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 contacted equifax in reference to accounts that have been lingering on my credit report for more than 10yrs a lady inforrmed me after 10yrs they would no longer show on my report not one of them is deliquent or have derogatory remarks so why does my credit report show 61 accounts with only 18 open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
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:
I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.

Company response to consumer: Closed with explanation