BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: EQUIFAX, 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 it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( Equifax, XXXX and XXXX  ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$5900.00}.

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: EQUIFAX, 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my XXXX XXXX XXXX XXXX I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX XXXX  affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : US Dept. of EducationXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Nelnet, Inc.
State: PA
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:
Greetings, Greetings, I have initiated disputes with XXXX and XXXX XXXX to remove incorrectly reported late payments for NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my XXXX  and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions 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 reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX  Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXX XXXX XXXX XXXX ( I was never late on these accounts ) Names : XXXX Addresses : XXXX XXXX XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX 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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter.

The following items that are reporting in error : XXXX   Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXXr and XXXX XXXX ( I was never late on these accounts ) Names : XXXX  Addresses : XXXX XXXX, XXXX XXXX   There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX   XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXXXXXX XXXX XXXX  ( 2 times ) XXXX  ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX 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 2018-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 or about XX/XX/2018, Capital One Credit card company post on my account a purchase which I never purchase with the mount of {$22.00} from the company XXXX.

On XX/XX/2018, I called to report fraud to the Capital One Credit Card company ( I also report online on my Capital One credit card account ) and let them know that I didn't purchase that amount of {$22.00} with XXXX  and asked Capital One Credit card to remove the fraud mount of {$22.00}. The Capital One credit card company told me that Capital One credit card will not removed that amount and I have to pay that amount even I never purchase.

Capital One credit card lock my card and refuse to send me a replacement card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Experian refused to ask qualifying questions required to remove the alert to this bureau, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.

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 2018-04-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted at work twice about a debt with Barclay Bank by their collection agency XXXX. I was told i had a debt of {$3600.00} which was {$840.00} over my credit limit. The account had been charged off but I only had a maximum delinquency of 120 days as reported by XXXX, but on XXXX it was reported delinquency for more than 180 days. These are inaccurate reporting. XXXX debt collector came to a settlement with me which I paid I was assured by the collector the account would be removed upon settlement, but after further contact they would just add a note on my report that it was paid, and would not be deleted this is misleading and violation of debt collection act. I later find out the original charge off was {$2800.00} as reported by the credit reporting bureaus. So i was lied to about the charge off amount when i requested validation I just received a paper with a balance on it and no account of the debt. That is not proper validation as required by the law, Their are too many inaccuracies i just want your company to delete the account of my credit report I have settled and made my payments. You can not mislead the consumers and have inaccurate reporting. On XXXX the charge off is still {$3600.00} updated charge off are not the same. Even with updated charge off my account should be settled and deleted like the collection agent said over the phone.

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 2019-03-15
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their  automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo XXXX bank XXXX XXXX XXXX and XXXX XXXX Bank stole XXXX in nsf charges and bank fees from another account. Bank went into my checking to pay it off and is was not authorized.

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 2019-09-18
Company: McCalla Raymer Leibert Pierce, LLC
State: IL
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 will not remove this account from my credit report even though i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivables Management Corporation XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Fax : XXXX My initial contact with this company is dated Saturday, XXXX XX/XX/XXXX asking them to validate with competent evidence bearing my signature that I had any obligation to pay them. They never produced the evidence. 

They continue to report to XXXX a derogatory mark on my credit report. 

I decided to pay the {$60.00} to XXXX XXXX XXXX XXXX XXXX since these people refused to stop reporting it as a derogatory account. That was paid on XXXX XX/XX/XXXX. 

They continue to report the account as derogatory After having a conversation with the collections person, they asked me to send the information from the account in question ( XXXX XXXX XXXX XXXX ) documenting that the debt had been paid. I did that after having been treated as a common criminal over the phone and talked to in an unprofessional manner. 

A consumer should never have to experience this type of treatment especially when the collection agency is in violation of the law ( Fair Debt Collection 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS IS ABHORRENT! I'm not familiar with this account. Why is my credit report being reflected there? I want this account to be verified! There is no agreement between me and this account.

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 2019-02-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
All transactions with Citibank, same credit card. 
In Spring XXXX, I did a 0 % interest balance transfer ( Offer 4 ) expiring XX/XX/XXXX for approximately {$4800.00}. 
In XX/XX/XXXX, I did a 1.9 % interest balance transfer ( Offer 7 )  expiring XX/XX/XXXX for approximately {$2500.00}. 
In order to satisfy the payoff of the XX/XX/XXXX offer, I sent payment in full which was received by Citibank XX/XX/XXXX. 
However, the payment was applied to Offer 7 because payments above minimum are applied to the highest interest rate balances. This only applies to standard purchases as shown in the balance transfer agreement and as was confirmed by the agent I spoke with at Citibank. Excess payments are ( supposed to be ) applied to balance transfers by payoff date. 
Despite this, Citibank refuses to adjust how the payment is applied. 

Making matters worse, if the payment arrived ( late ) on XX/XX/XXXX ( instead of XX/XX/XXXX ), the balance transfer would have been transferred on XXXX by Citibank to Standard Purchases with a much higher associated rate, and my payment would have been then applied properly. In short, by paying my bills ON TIME, I am being penalized!

As a 25+ year customer of Citibank , Im baffled by their complete refusal to make this right, and more frustrated by the call centers hard stop on customer service. Theres ALWAYS someone above you who can review a decision, and its terrible service to refuse to connect a customer with that person. 

The damage to me is loss of use of the XXXX balance transfer with related fees that have already been paid. Additionally, I now am being charged interest on Offer 4, albeit only a few 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
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We set up auto pay for Bank of America Alaska Mileage Plan and we set it up to pay on the XXXX of each month it is not due until the XXXX, we gave enough time for the bank to get the money, YET EVERY MONTH THEY CHARGE US {$38.00} in talking to other Alaskans who have been duped into getting the Alaskan Mileage accounts, they all suffer too. We never can use the alleged 30 % coupons because when you do, its 4 times higher to try to use the coupon. Third, the " companion fare '' is a joke, if you don't log in and attempt to book a ticket it is around {$220.00} but when you attempt to use the " companion fare '' it is 3 to 4 times higher. no kidding! How is this type of practice legal? Please help me at least reverse these {$38.00} charges, see attached auto payment proof that we set it up for many days before it is due, besides why would a company charge {$38.00} if someone is a day late? what is the postal service is delaying someone's mail, is that yet another excuse for bank of america to gauge the general public for {$38.00}? How does a consumer protect themselves against this type of fraud and robbery.

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 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX degree. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted Capital One and they have confirmed that I XXXX XXXX XXXX have never had an account with them and Capital One does not know why XXXX XXXX XXXX XXXX IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED XXXX XXXX AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT XXXX XXXXXXXX XXXX DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A XXXX  CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXXXXXX XXXX deposited at Chase Bank. The temporary seizure of the funds and checking account in lieu of having a formally incorporated business entity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On approximately XXXX XXXX I had damaged currency that a friend wanted to exchange.He didnt have a bank account.I called my bank ( Pnc ) and asked if they would exchange it.They said if it was at least half a note and the seriel number was legible.They exchanged it ( {$280.00} ) On XX/XX/XXXX, the branch called and said would I pick it up ( dams aged money ) That they changed their mind.Requested my approval to debit my acct and I declined.I said it wasnt right weeks after to change it.They are no longer doing this after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Nationwide Recovery Systems, Ltd
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
At XXXX XXXX!!!!!!!! Nationwide Recovery services called. When I complained that it was XXXX the lady tried to argue with me telling me it was XXXX. I explained I live in XXXX XXXX, that is a XXXX XXXX number she continued to argue. I asked for a supervisor. 
When I asked for the supervisor XXXX said they never even called me. He was rude argumentative and tried to even say they never had record of my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: DE
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:
Experian still reports 5 fraud accounts that have been disputed since 2014 due to the XXXX  breach and these fraud account must be removed. Here are the disputed account > XXXX XXXX  $ XXXX >XXXX XXXX XXXX {$5000.00} >XXXX XXXX {$5000.00} XXXX > XXXX XXXX XXXX and XXXX XXXX {$570.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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 XXXX XXXX have tried through three separate mail requests to obtain a copy of my Equifax report. I did receive a free annual report from XXXX XXXX and XXXX, but need my Equifax report ASAP.

Company response to consumer: Closed with explanation