BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
Company: U.S. BANCORP
State: WA
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:
When reviewing my credit report in XX/XX/XXXX I noticed a new credit card with a balance of {$14000.00} with Elan Financial Services and contacted Card Member Services and filed a fraud claim. This was denied by card member services as a representative for Elan Financial Services I have attached a copy of the original dispute and their letter denying my fraud claim.

They did allow me to close the account so no other charges could be made. I wrote them a letter explaining what the card was used for and then had to wait and see what would happen. 

Mr XXXX was making payments on time until XXXX of XXXX and at that time I received a late notice from the company. 

I then contacted XXXX XXXX XXXX, XXXX XXXX asking for their help with getting this late notice off my credit report and asked that they obtain proof from the company that I was responsible for this bill. I understood that by law when a dispute was filed that the company has to respond ... XXXX XXXX corrected some items on my credit report but I never received an answer from them or the company asking for some proof I am not sure how a company can send me a card I did not ask for to an address where I no longer lived, allow a prior authorized user to activate this card with a {$15000.00} limit and allow him to change the address and phone number/ I had never received a card, statement, phone call, email from this company before they activated this card making sure I could not stop this the first month. So basically they gave {$15000.00} to someone who makes {$800.00} a month with SS and was 72 years old and said go have fun but when the first late notice came they sent it to me, Ive been told by many sources that I  will end up being responsible for any balance left and this card is now once again 90 days late and I have received another late notice Where did the credit card company get so much power that they could do all of this without any notice to me. Where is their due diligence to the primary card holder and how hard would if have been to ask Mr XXXX for my information so they could tell me I had a new card and what my phone number and address was.

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 2019-05-01
Company: Paramount Recovery Systems, L.P.
State: TX
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:
Paramount Recovery and XXXX XXXX are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. XXXX NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act. These entries from both companies should NOT be reflected at all. 

I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe Paramount nor do I owe XXXX. 

DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CITIBANK, N.A.
State: NJ
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:
Here is my record ( timeline of my case ) about what happening with citibank credit card of my unauthorized charge. 

XXXX XX/XX/2020 - Received alert of XXXX charge from my Citi app. 
- Called credit card to inform the unauthorized charge from XXXX - XXXX credit card was cancelled immediately by citibank. Citibank re-issued a new card XXXX. 
XXXX XX/XX/2020 - I received letter from Citibank about my dispute. 
- {$470.00} was charged back to my account. 
- Citibank attached a document from XXXX about the purchase that I did not make. 
XXXX XX/XX/2020 - Call XXXX XXXX XXXX to talk to Citi security department. 
- They requested me to submit them a prove. 
- I told them I can not provide evidence to prove that I did not purchase it because it never happened.

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 2020-05-02
Company: Total Card, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been working on my credit in order to purchase a house for about two years now. I am finally at the point to purchase a home and have two out of six credit cards that I closed left reporting on my credit report. I have written into the credit card companies, I have disputed through the credit bureaus and I can not reach a resolution. I need help. Four out of six cards were deleted with no problem that technically should still be reporting but for some reason the credit Bureaus will not remove the last two cards and they are negatively reporting on my credit even though theyve been closed for over two years. I am really hoping this helps because I am desperate thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the 3 credit reporting agencies by mail 2 times in regarding the negative accounts on my report. I requested Verification and they have failed to do so. i sent the letters on XX/XX/2019 and XX/XX/2019 and have received letters back stating that the accounts were verified but failed to inform me on how they verified his information. so without proper verification I would like the negative accounts deleted promptly. If the accounts are not dealt with in a timely manner then I will exercise my right as a consumer protected under the fair reporting act and seek litigation.

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 2021-06-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Porania, LLC
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:
i got this accountwhich does not belong to me and i need it to be removed from my credit in the XXXX credit reporting agencies. 
. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Transunion is reporting my ex-husbands birthday which is XX/XX/XXXX and mine is XX/XX/XXXX. They also are reporting over a dozen addressed i never lived at.

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 2020-05-02
Company: First Federal Credit Control, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2017, First Fed Credit Control listed 55 separate line items on my credit report for one account. 

The original account is with XXXX XXXX and the original balance is {$9500.00}. There is only one account but First Fed Credit Control listed each individual service received during the procedure as a  separate account and this is affecting my credit profile negatively. 

The procedure took place on XX/XX/2017. 

I contacted the company and asked them to investigate why the accounts are showing as separate. They would not provide an answer. But stated that each account will be closed upon receipt of full payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The mortgage was transferred twice and Freedom Mortgage misapplied monthly payments under " principal '' and " unapplied ''. I talked with several representatives from XXXX to XX/XX/2019 who finally were able to apply the monthly payments correctly, however they incorrectly reported late in XXXX. The payment was NOT late they had the money each month just misapplied. I have called Freedom Mortgage twice and each time they say a supervisor will call me back and they never do nor do they correct the late payment on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX  days. Since XXXX they have been reporting it monthly as a XXXX days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years 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 2019-05-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today I noticed a Collection that did not belong to me on my Credit Report from a Company called " Wakefield '' and " Associates ''!!! A third party collection agency! I told them that this account did not belong to me? And I told them that my Identity had been stolen and is being looked into? The number to this company is XXXX! This company keeps harassing me daily! And I would like something done as soon as possible please? Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: NIC, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collectors havent called- if they have there was no message left to return call. Received XXXX mailing, when called the number on the mailer to pay debt, there was no answer even within business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with Bank of America. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named XXXX XXXX XXXX who governs the Bank of America and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my Bank of America checking or business account! Please help 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 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone got my information and opened up lots of accounts in my name.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 2021-03-07
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm having trouble with Equifax I've had over 16 disputes with XXXX XXXX reporting ln accuracy on my credit file.. Now Equifax isnt allowing me to log to my.equifax .com account to check the status of my dispute. My account is now monitor over seas and everytime now i have to call..XXXX XXXX  ... Equifax is Retaliation against me for reporting to CFPB and Federal trade commission about XXXX XXXX reporting in accuracy on my credit file for over 425 days I been dealing with this matter.. If you check your records of this complaint same thing thats keep happening over and over ... When i try to log in it keep tell me username and password in correct, I know it not correct because I have username and password save in log Thats a way to keep me from checking on the status. of my complaint, ,XXXX XXXX is doing damage to my credit file..I keep getting denied for a mortgage loan to be able to purchase my first home..I have sent my document of proof to CFPB and Equifax over 4 times, this matter is getting so frustrating,,, Im stressing out over this matter all Im asking for fair justice ..investigate this matter to help me get it resolve.. I know this going to be forward to Equifax going to sweep under the rug and report the same old BOLOGNA!!!! CFPB please protect me and my this matter right ... it will be greatly appreciate ... And why this matter is global  instead of USA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
capitol One quick silver card, i have NEVER MISSED A PAYMENT EVEN PAID IT OFF ONCE, XXXX XXXX  AND OUT OF A JOB, STILL MANAGE TO PAY MINIMUM PYMENT DUE ON TIME, BUT THE INTEREST RATE CAPITOL ONE CHARGES OF INTEREST IS XXXX A MONTH INSANITY! HOW IS A CONSUMER SUPPOSE TO TO LOWER BALANCE WHEN THEIR PAYMENTS ARE MADE ON TIME EVERY MONTH!!! 

AND EVERYTIME I CALL CUSTOMER SERVICE, I GET CONNECTED TO OUTSOURCED AREAS SUCH AS XXXX AND XXXX XXXX AND THEY DON'T SPEAK XXXX WELL AND MAKES IT DIFFICULT TO UNDERSTAND WHEN DISCUSSING ISSUES ON CREDIT CARD!!! 

CAPITOL ONE CHARGES YOU SUCH HIGH INTEREST AND DONT ALLOW BALANCE TO COME DOWN ON PURPOSE! THATS HOW THEY MAKE MONEY!! THAT IS RIPPING OFF LOYAL CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Equifax in regards to Tax lien # Lien Filed XXXX ; XXXX County Superior Court ; Case or ID # XXXX ; Amount {$890.00}. Equifax advised me that they received information from third party provider XXXX XXXX that this information was correct and to dispute item with them. I disputed this Tax lien XXXX with XXXX XXXX and received notification that they removed the item from their system. I then refiled my dispute with Equifax to advise them that XXXX XXXX removed the item from their system and for Equifax to remove it from their system. Equifax sent me results of their investigation stating that XXXX XXXX showed the information was accurate. I have a copy of the letter from XXXX XXXX stating that they deleted this item. Equifax obviously did not reinvestigate thsi because they did not update the status and remove this item from my credit report. Please make Equifax remove Tax lien from credit report due to XXXX XXXX removing it from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Security Credit Services, LLC
State: MS
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:
On XX/XX/2019 ; I was notified that a name under my social security number is showing up. This name is not mine and I have not attempted to apply for any credit. As this is not my name with a XXXX at the end, this is believed to be fraudulent activity and coinsides with the notification that my name is also showing up under another race. I have attempted to resolve this issue with no results. I would like the inquiries removed from my report as I did not apply for any credit. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Fidelity National Information Services, Inc. (FNIS)
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 have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with XXXX  XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named Chex clear systems who governs the XXXX  XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX XXXX XXXX checking or business account! Please help 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