BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: GreenSky, LLC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I was contacted by Phoenix financial services in regards to an account I have in collections I asked for validation of the debt the collector continued to argue with me about hippa laws so after a few minutes of this I asked if this company accepted verbal cease and desist on their account he stated yes so advised them not to contact me anymore. On XX/XX/2018 I received just a basic debtor statement in the mail not the validation notice I requested so I called the company again and requested a supervisor, I was told one wasnt there but would call me right back but never did. Fast forward to XX/XX/2018 I received a voicemail from the same collector again so I called back and asked him why he called me when the account was supposed to be in cease and desist he said I never told him to put the account in cease and desist I had only given him one number not to call which was the exact number he called. I requested his supervisor who said he would pull the calls and to call back. When I called back I got that supervisors supervisor her name was XXXX she also said to call back she would have to pull the calls. When I called back she kept arguing and speaking over me making excuses for the company Ive advised ever person Ive spoken to Im a collector and the fdcpa violations theyve committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Holloway Credit Solutions
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:
Dear CFPB, I have XXXX  XXXX in my XXXX, so I have a XXXX doctor and XXXX  office I visit to keep on top of it and in good health ( XXXX XXXX XXXX. ) After visiting the XXXX office multiple times with no issue, I get a bill for {$1700.00} dollars for a test I did not receive. The procedure is called a XXXX XXXX XXXX. I called the office to remedy the problem and woman staff member tells me that this happens from time to time, they will take care of it and not to worry. A month goes by and I receive another bill. I call the office again and remind them of the issue and they tell me once again that it will be taken care of. Another month goes by and I receive another bill. I had an appointment scheduled in 3 days, so I decided to speak with them face to face. I have my regular check up and on my way out I speak to the front desk staff and they tell me that they are very busy and that they can give her a message and remind her of the situation. I left the office and went to work. A few weeks later I get another bill. I make another phone call and now that the account is over 90 days delinquent they proceed to tell me that they will not see me again until the account is paid up. I tell them that this is a mistake again and what the other girls told me and she tells me they will look into it. At this point I don't believe her and am fed up, so I decide to seek a new XXXX. The bills stopped coming for a couple months and I think that the mistake has been fixed. Great right! Nope, that's just how long it took to be turned over to a collections agency ( Holloway Credit Solutions ) and the phone calls to start rolling in. In response to all this I decide to use XXXX XXXX to dispute the inaccuracy and have multiple times, I added a consumer statement to my credit report and now I am filing a CFPB complaint. I just don't know what else to do. The mistake happened so long ago, no one remembers me on the phone and if it is investigated, because the mistake was made by the XXXX   office, it is in my file that I owe this money. I do not owe this money, I did not receive a XXXX XXXX XXXX and I am not going to pay for something I did not receive. Please help .... 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am frustrated to know that my credit history has been compromised and targeted with false and inaccurate information that i have not consented to. I will need these false items removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was charged off and closed XX/XX/XXXX. 

Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am frustrated to know that my credit history has been compromised and targeted with false and inaccurate information that i have not consented to. I will need these false items removed immediately!

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 2021-07-01
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX OHIO and I do not have a contract with ONLINE COLLECTIONS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't 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 2020-07-08
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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.

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: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a checking and savings account with Wells Fargo. Several months later, due to COVID-19, I made several transfers from my savings to my checking account to pay bills. According to Wells Fargo, I exceeded the 6 allowed transactions. Rather than bring this to my attention, Wells Fargo changed my savings account to a checking account without my authorization. My original checking account met all requirements to avoid the monthly fees, however because I did not receive notification of the account change, I was assessed {$70.00} in fees for the checking account that Wells Fargo opened without my consent. I have made several good-faith attempts to allow Wells Fargo to return my money, to no avail.

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 2018-08-07
Company: Bepensa Capital, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last week, XX/XX/XXXX, i receive a phone call from MR XXXX, who keeps on calling me, my co workers, step mom. Both of which he called multiple times, when he already received my phone number from them. He called me, i chatted With him XX/XX/XXXX, he said he worked for AFS acceptance, i told him i couldnt make his payment at that time, he was very rude, asking for family members numbers and my wifes number to call her for a payment. I also said, do not call my work nor my family. He told me he got my privacy offline from the internet. Today, XX/XX/XXXX, he called me while i was working, and i cant Use my phone at work, he does NOT leave a voicemail, nor a message. He immidiatly calls my family member and co worker again stating he cant get ahold of me. He needs to stop calling me and my family and conworkers. Its getting out of hand. He needs to stop contacting me. How could someone so rude work for a company like that.

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 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi there, I made a trade on XX/XX/XXXX through the website https : //localbitcoins.com/ with someone named XXXX XXXX XXXX XXXX XXXX XXXX XXXX his LocalBitcoins profile is XXXX I sold him XXXX Bitcoins for {$1500.00} which he paid through XXXX, I XXXX verification before completing the transaction and he sent me a photo of his SSN which is XXXX and a photo of him holding his ID which is XXXX with a paper saying that he sent me {$1500.00} with his account ending in XXXX non-refundable, then a couple of hours after we completed the transaction he called the Bank asking for a chargeback claiming I scammed him which is not true since we already gave them the Bitcoins he paid for, the Bank blocked my account the same day, took the money from there and gave the money back to him on XX/XX/XXXX, the bank was also going to close my account even after many calls and sending all the photos that I have, I was only able to get my account re-open again but they just said they would not give me back my money after recognizing that we did nothing wrong and the fraudulent acts of the other person. I have photos of everything

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 2020-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I just received a call from a # w/ same 1st 6ix digits. I was expecting a call from a local vendor. It was a robo-call offering to lower my chase % rate. I clicked to talk to human. Sure enough he XXXX had an accent ) needed my credit card # to complete the deal, I was on to him and said the cc company would never ask for that info. He called me crazy and hung up. the # was from XXXX. I blocked it. btw it was on my cel. 
Thanks XXXX XXXX, XXXX XXXX, CA, cel # XXXX email : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
See Attached, ( if attachment is Error or failed to download document ) Read, The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these fraudulent reports from my report, and to Block and Delete.

These accounts are using my Social Security Number ( SSN # ), without my written permission or instructions to do so. Also, I have no Binding Contract with them, I have no account with them. No transactions have ever been made as the consumer with these companies, and they are using my Social Security Number for Gain and Profit.

Identity Theft Report FTC Report Number XXXX These accounts are fraudulently opened. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't owe any of these accounts or companies and I did not give my Social Security Number to any of these companies to share. Thats a violation of multiple accounts and I should be compensated for Damaging my credit and Data Breach. Nothing on my consumer reports on the XXXX Bureaus, XXXX, XXXX, Experian. Nothing match on XXXX XXXX and XXXX, the balance does not match, and the name on XXXX accounts are in the name of someone's else or similar, ( Department of Education ). And I would like that to be removed and deleted for incorrectly reporting, I do not own that account, but it keeps reporting, closing the account, open the account and then transferring the account. I don't know what's going to happen next. but everything needs to be removed that are not reporting accurately. 

I ask via certified mail to remove all incorrect information and send me an updated copy of my consumer report, I yet have seen it in my mailbox. that's been 3 months ago. 

the last recent certified mail was XX/XX/XXXX to XXXX, XXXX, and Experian. I have not received an updated copy of my consumer report to gauge.

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 2019-03-07
Company: RentDebt Automated Collections, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A paid collection being reported with a balance on my credit report. It should have been removed. I had a debt with an apartment community that went to this collections agency. I've paid the debt and as of now the RentDebt company is still reporting the account with a balance. I also was told by them that the debt would be removed if I requested it. I have had no actual contract or any agreement with Rent Debt that makes me liable to them, nor did I receive any dunning notice before the debt was placed on my credit reports. They are in violation of FCRA. 


They need to remove this paid debt from my credit reports. The representative I spoke to said it could be removed if I requested it to. They can review that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXXXXXX XXXX, I sent a letter to XXXX XXXX may right to opt out. They are still reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : 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 2021-01-24
Company: EQUIFAX, INC.
State: MI
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 have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX XXXX and the educational institution XXXX XXXX XXXX XXXX XXXX and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic. 

Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, I am aware I got behind on this account but I thought that the agreement was it would show I was up to date when I started making payments on it again 2 years ago. This was due to overzealous collection employees.Instead is shows that I was always 60 days late while making my payments. Please delete the payment history from my record as it doesnt reflect what I thought was the agreement. I would be happy with that resolution. This account is paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: VANGUARD FUNDING LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls from the number ( XXXX ) XXXX. It is always an automated robocall that directs me to hold the line, but ultimately no one is available to take your call and it disconnects. Ive called the number back and it is the same message. Through my own investigation, I have found this company is Vanguard. I have no business dealings with any such company. 

This company calls up to 5 times per day. They are pointless, robocalls that end the same no one is available. Since no one is available Id like them to stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-25
Company: First National Collection Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been threatened and cursed at by both the credit card company and the collection agency. Since having to deal with this rude behavior I want this account deleted from my report or an offer of 75 % of the payment along with a deletion of this account from my credit report.

Company response to consumer: Closed with explanation