BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: First Data Corporation
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 have a debt showing up on my report from XXXX XXXX XXXX XXXX XXXX dated on XX/XX/XXXX for the amount of XXXX. This is money not owed by me. I was the beneficiary on the account but never on the account for writing or cashing checks. Ive sent a letter in the past to TeleCheck about this from the Credit Union stating I was never on the account, but they investigated it and said it was correct. I need this off my report. Its been 7 years since this was reported also. This money is owed by XXXX ( XXXX ) XXXX. 
There is also an amount showing for XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX  and again I was never on the account only XXXX ( XXXX ) XXXX. I also sent this matter in and was told it was correct. 
Ive talked with both financial institutions and this information and they both stated I was never on the accounts. 
I would like both of these matters to be investigated once again to remove these negative reports on myself.

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 2020-11-25
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I got a call from XXXX, saying that I owed {$230.00} to XXXX. He said to call back at XXXX. He had my full social security number. This happened on XX/XX/2020. They claimed to be from AmSher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: MD
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 several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these items which were fraudulent within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: NC
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 victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed on XX/XX/2019. However, to my dismay the accounts have been placed back on my Experian Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX XXXX XXXX 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 2022-01-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  XXXX XXXX is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX  my dates are off a little but 3 years is a lot to long to wait to report it late payment

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 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry 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 2019-02-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was looking for somebody to take care of me I had my contact information on a dating website for the public to see. I was contacted by somebody claiming to be somebody else unbeknownst to me, they said they would gladly help me out on XX/XX/XXXX. They provided me with their full name, account number, and access password for their XXXX XXXX  account XX/XX/XXXX. I saved all the text messages between me and the other party because I had a feeling it was a little too good to be true but I was also desperate for cash. After I put in the information and transfer the funds to my credit card to make a full payment I contacted the credit card company and told them that I didn't know if it was fraudulent but I wanted to be sure that I was okay and they told me I was they told me my account was safe. After the funds had cleared the other party started demanding that I buy gift cards a lot of it and send him the information. I declined and cut off communication with him XX/XX/XXXX. The payment was then reversed a couple of days later. My credit limit was actually increased on an unrelated credit card within the same bank and then was closed without my knowledge until I try using it again to which would always come back decline. After calling both credit card companies I was told to my accounts were closed because a reverse payment from an account that was unrecognized they assumed it to be fraudulent or scam activity and since I had actually made a payment it was my fault and they closed my accounts. I made sure not to use the money that was paid to me from the XXXX account but they advised me that weather I use the money or not I would be responsible no matter what. I asked if there was a way I could appeal they said their decision is final I told them it was an honest mistake and I had no intention of following through with a scam they said that doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Maximus Education, LLC dba Aidvantage
State: MI
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:
These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.XXXX  account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX  inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. Us Department of education/Aidvantage  accounts have been paid 4. XXXX XXXX  XXXX account number XXXX not my account 5. Late payments from XXXX XXXX account number XXXX XXXX 1. Inquiries XXXX XXXX XXXX  Inquiry date XXXX not my inquiry US Department of Education inquiry date XXXX not my inquiry 2. XXXX XXXX XXXX Account number XXXX not my account 3. Us Department of education/Aidvantage  accounts have been paid 4. late payments from XXXX XXXX account number XXXX XXXX 1. XXXX XXXX XXXX account number XXXX not my account 2. Us Department of education/Aidvantage accounts have been paid 3. late payments from XXXX XXXX  account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I made a large payment in the amount of {$1300.00} to my Citi account and my credit limit was lowered from {$5000.00} to {$3200.00} immediately following my payment resulting in a 5 point decrease in my credit score. Had the limit stayed the same, my credit would have improved as it had done with my making on time minimum payments. My attempt to improve my credit actually made it worse. I want to pay down my debt without taking hits to my credit due to higher than normal payments. I am being held hostage to interest payments over a longer period in order to improve my credit. What Citi has done is not fair to me. I have been praying my bill as agreed since 2013, never missing a payment and they penalized me for trying to pay down my debt with them. This is plain wrong. How can I improve my credit without spending thousands MORE in interest on my high balance? The fact that they did this only after I made this large payment is fraudulent, predatory and goes against their advertising of treating customers fairly. They gave me a limit and penalized me for using it. It is wrong. What kind of relationship exists between Citi and its customers? I have been loyal to Citi spending thousands of dollars in interest with them to keep the benefits I enjoyed! I am as loyal as a customer can be. I feel betrayed by a bank I thought I could trust. They do not care about the customers credit experience. I am only a system generated credit card number where some algorithm determines that my credit payment history with Citi doesnt matter and to further penalized me for doing the right thing by paying down a balance to help improve my credit. Had I made another minimum payment, my credit likely have continued to improve. I am disappointed in the disloyal decision.

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 2023-02-13
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX 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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even one time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX 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 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX and the account with capital one XXXX for {$2500.00} that was sold to XXXX XXXX XXXX are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) XXXX XXXX XXXX MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Sir/Madam : I am contacting you in the hopes you can help me in my Dilemma!!!! 
Re : Nelnet Student Loan Account # XXXX XXXX XXXX XXXX Student / XXXX XXXX XXXX Mither. I  have sent this correspondence to Nelnet Please be advised that I will be contacting the Department of Banking & Financing , XXXX XXXX XXXX & I will be corresponding with Federal Government Student Loan on behalf of my daughter XXXX XXXX for a student loan for my granddaughter XXXX XXXX XXXX. My granddaughter XXXX XXXX is making payments on this student loan she obtained. She is currently working and can barely make ends meet for herself, she is willing to pay @ {$50.00} per month as that is all she can afford. She only attended XXXX University for one year and had to come back as her mother had a XXXX XXXX. Came back home to get a job to help her mother. My daughter earns less than XXXX @ {$10.00} per hour and is eligible for food stamps. XXXX has to choose no insurance coverage at work because she can't afford it. 
As I stated she wants to comply with the payments @ {$50.00} per month and can barely afford that. 
What I don't understand is how the balance is {$16000.00} when I believe she applied for an additional {$5000.00} " mother loan ''. 
Again she wants to pay as she is already paying her other student loan she just can't afford {$120.00} per month. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  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 2020-11-26
Company: Experian Information Solutions Inc.
State: KS
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: Was not notified of investigation status or results

Complaint:
I am a victim of the XXXX Data Breach. I began a process of correcting issues on my credit report in XXXX of 2020. On XX/XX/2020 I filed a complaint with the CFPB to help get things corrected on my credit report. Today I am following up in hopes that we can get the remaining inaccurate items removed.

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: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Wells Fargo sent me its annual Escrow Review that projected a significant increase on monthly escrow payments. The actual taxes for the XXXX fiscal year was {$12000.00}. The increased escrow payments were based on the projected property taxes for the upcoming year increasing to ~ {$17000.00} ( based on the last 4 payments made to the town ). The primary reason for the last 4 payments being this amount, was that the town 's initial estimate for the first 2 quarters of XXXX was {$2000.00} based on XXXX taxes ***when no property existed on the land. ***. The final XXXX taxes were based on the fully built up lot. While the town has not decided on the tax rate and assessment for XXXX, it is unrealistic to project that the XXXX taxes are going to be 34 % higher or XXXX {$4300.00} higher!! I complained to Wells Fargo about this increase and the only resolution I got in a XX/XX/XXXX escrow review used the same projections over 24 months instead of 12. I expect that a finance company will do due diligence on analyzing why their previous projections didn't match the actual payouts instead of blindly using past payments as the sole authority in determining future payments. While Wells Fargo is likely to refund excess escrow balances next year, it is a needless burden on our family 's monthly cash flow.

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 2018-03-12
Company: EQUIFAX, INC.
State: TN
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 had deleted an account with a company ( XXXX XXXX ) and sent me another credit report. They also said that they took steps to where this account would not be put back on my credit profile and now it is back on my Equifax credit report. I sent them a copy of the report after the investigation stating that they deleted the account and took steps so it would not reappear. The strange thing is that they have a total different address for this company than XXXX or XXXX which makes me feel that something isn't right.I would like to ask for your help in resolving this issue please? Thank you very much and XXXX XXXX.

Company response to consumer: Closed with explanation