BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2017-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a business checking account with a {$200.00} cash bonus promotion if {$1000.00} in new money was deposited within 90 days. I have not received the bonus as advertised even though I deposited the required amount of new money with the 90 day time frame.

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 2018-02-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX claims I own them {$1000.00} but it's fraudlant they told me if I can prove I never owned a XXXX XXXX account that they would delete this because that's where the payments were being made from I have all the proof and a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Date - XX/XX/2020 XXXX XXXX $ Called them ( Fifth Third Bank ) to pay the balance of the new car and apply for economic hardships. 
Called them again on XX/XX/2020 to check if things were good. They told me they reported credit bureau with reposition of my car. 
Paid balance to bring account to active. but they told me to dispute the issue in FTC. 

Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: JPMORGAN CHASE & CO.
State: CA
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 XX/XX/2021, I noticed a charge on my credit card for a purchase of {$1000.00} to XXXX XXXX XXXX XXXX that I did not make. I alerted my credit card company, Chase, and they removed the charge and sent me a new credit card. After review, Chase reinstated the charge stating that it was a valid transaction because the chip was used to make the purchase. I disputed this, stating that it was not me that made the purchase. Chase requested that I contact the merchant. XXXX XXXX XXXX does not have a phone number, so I contacted them via email, and they stated that they could not provide me any further information about the transaction without documentation from the back. I provided my credit card statements to the merchant, but they stated they needed authorization from the bank to reverse the charge. When I passed this information along to Chase, they stated they would look into the situation for further review, but continue to send me the same letter stating that the charge will remain my responsibility and that the charge was found to be vaild. I went in to Chase and spoke with a banker, who suggested I file a report. I still have not been reimbursed for this purchase on my credit card that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Companies Involved : FirstBank of Colorado XXXX XXXX I am writing you in regards to the XXXX Account Updater program. Now my card was compromised a week back and my bank issued me a new card. I had the card in the mail along with a letter from my bank informing me to update important account information. Now I checked my bank statement the other day and saw that XXXX charged my account for about {$10.00}. I specifically know in my mind that I did not give out my new card to XXXX. I called my bank and explained the issue and they informed me that it is an automatic payment that updates my accounts. I did not authorize my new card number to be charged but it was anyway. My problem is not the amount but the fact that XXXX got my private card information from my bank. I am writing to you on Tuesday XXXX XXXX, 2017 as I just got off the phone with my bank FirstBank of Colorado. I asked for them to opt me out of this program but I doubt they will. This is important and big, and is something that people should know about as companies should n't be able to charge your card without you knowing or without your consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Paypal Holdings, Inc
State: FL
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:
Hello the XXXX XXXX XXXX sent me a letter stating that I owe XXXX usd to PayPal for a account that I have never used before. I called them to try and dispute the claim but I was told that their is nothing I could do about it besides pay the fee. Please help I did not do nothing wrong and do not have the funds to pay for this when it was not my fault. The letter has my name and address on it as well. I have done research and have heard of many people getting scammed after receiving these kinds of letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: American Coradius International LLC
State: FL
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:
Hello the American Coradius International sent me a letter stating that I owe XXXX usd to XXXX for a account that I have never used before. I called them to try and dispute the claim but I was told that their is nothing I could do about it besides pay the fee. Please help I did not do nothing wrong and do not have the funds to pay for this when it was not my fault. The letter has my name and address on it as well. I have done research and have heard of many people getting scammed after receiving these kinds of letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I, finance a vehicle with USA Santander Bank on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( XXXX, XXXX, and XXXX ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

-Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: MA
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 own a small incorporated business XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus Equifax XXXX XXXX XXXX are reporting my business as being under a parent company XXXX XXXX XXXX  XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of Equifax credit report showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: ORG GC GP Buyer, LLC
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2017
 This morning I called GC services to see where the status of my student loan payments were I was currently  on a payment plan for $XXXX a month When I called they told me im no longer on a pay arrangement. GC services stated that I had to start the payment program again I said why im already on the payment arrangement the lady then put the manager on the phone he  informed  me that  they deleted my card information  they claimed to have called me ,but i didn't receive a phone call ,or email ,also I was sent proof of my payment received and put towards my amount .I was told that I had to do the program all over  again which will effect my Income taxes and my enrollment in college. Also the manager stated that there wasn't a payment set arrangement set-up i started it in XX/XX/XXXX here is proof
Information from GC Services Regarding Your Student Loan With XXXX XXXX XXXX
GC Services 
To	XXXX  XX/XX/XXXX at XXXX XXXX
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XXXX XXXX XXXX
Address: XXXX XXXX XXXX XXXX 
Dear XXXX XXXX XXXX
Our records indicate that we have your permission to communicate with you via email at the following address: XXXX
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We are committed to customer satisfaction. If you have any questions, please contact us using the contact information below.
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Card opened in my maiden name under Serve that I never opened. Called Serve and the closed the account but wanted to report this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. I NEVER HAD A ACCOUNT OR BUSINESS CONTRACT WITH XXXX XXXX XXXX AND I BELIEVE THESE ARE ILLEGAL RE-AGED ACCOUNTS FROM ANOTHER 3RD PARTY COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I filed a bankruptcy back in 2012, but according to the New law that took effect in July they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I took an auto loan through Wells Fargo XX/XX/XXXX. It had gap insurance added to the loan. 

I paid off the loan XX/XX/XXXX and they told me there would be a refund of a portion of the unused gap insurance, about {$260.00} dollars. 

Since then they have lied to me, told me the dealer would pay it, told me they would in 5 days, sent me stall letters and promises to contact me in ten days, nothing has happened.

They ignore me. Say they have 120 days to hold my refund. It's been 107 days. OK, I'm tired of waiting. During this time of COVID and economic hardship they should not be allowed to do this to me.

Wells Fargo Case number 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 monetary relief
Consumer complaint received 2020-01-27
Company: CITIBANK, N.A.
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:
MACYS HAS BEEN REPORTED ON MY CREDIT REPORT. BUT THE CHARGES AND THE ACCOUNT IS NOT MINE. ITS A FRAUDULENT ACCOUNT WITH FRAUDULENT CHARGES. AN IDENTITY THIEF STOLE MY INFORMATION AND PRETENDED TO BE HE/SHE MAINTAINED THIS ACCOUNT. CHARGES WERE NOT MADE BY ME.

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 2020-08-27
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 I sent a letter to Equifax Information Services LLC about two accounts listed as collections accounts on my credit file. In this letter I warned them of my intent to file a complaint with the FTC. To which I did not get a response yet again. 

I have disputed these incorrect accounts on my credit file NUMEROUS times over the last year. The accounts do not even have a creditor name, address, phone number, or any identitifying information that I could use to contact the creditor directly. Equifax is blatently ignoring my rights under the FCRA. Which I have made myself very informed on since trying to deal with these accounts. I plan to seek civil action against the bureau for violating these rights and laws. I have asked over and over for them to provide me with the creditors name, address, phone number but I have never been answered. These items have prevented me from securing financing that I have desperately needed. 

The accounts listed on my report are as follows : XXXX Account Number XXXX {$150.00} XXXX Account Number XXXX {$320.00} I faxed Equifax today again with a copy of the letter that was sent in XXXX. I have attached both

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collection agency : Pacific Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Telephone : XXXX This debt collection agency, Pacific Credit Services, has been repeatedly sending me default notices on a medical bill that I have already paid the medical provider. The bill is {$44.00}. I called Pacific Credit Services several times and informed them that I have already paid the medical provider  but they still continue to send me default collection notices ( over a period of several months ). When I asked them to get the updated account information from the medical provider so they can stop sending me default notices, they told me they are waiting from the medical provider. I then called the medical provider who informed me they have already notified Pacific Credit Services the bill has been paid. However, Pacific Credit Services still kept telling me there is nothing they can do in the meanwhile and offered me no timeline nor action taken for resolution. I feel that Pacific Credit Services does not have proper and adequate business operations process in place to conduct basic debt collection activity, which is to update outstanding billing balance when the account has been paid! I am concerned that as a result of their inadequate operational process, Pacific Credit Services would continue to send me default notice and then eventually send it to the credit bureau thereby negatively impacting my credit rating. As a debt collection agency, Pacific Credit Services is being irresponsible and has no regard on the consumer 's financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open a second account on XX/XX/2021 transferred XXXX dollars to the new account that day. This was with US Bank on XXXX Street in XXXX, Ky XXXX. 
On Friday, XX/XX/XXXX deposited a USA business paycheck from my employer. 
Ten percent was made available then taken away. 
I called the bank four times to figure out what the issue was. 
They placed a hold on my check and said nothing would be available until the XXXX of XXXX. The paycheck check was direct deposited in the old account for over five years. When I tried to get my check back to open an account with another bank, they refused to give me my check back. 
Stating a hold was placed on the Check with no good reason or explanation.

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 2020-06-04
Company: EQUIFAX, INC.
State: LA
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX  XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX  {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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