BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following unauthorized fraudulent accounts are not mines, My identity has been stolen, black webbed and has caused me alot of unknown Financial damage. Please be so kind and block these unauthorized fraudulent accounts. 

1 ] XXXX XXXX {$4700.00} 2 ] XXXX XXXX XXXX {$560.00} 3 ] XXXX XXXX XXXX XXXX {$310.00} 4 ] XXXX XXXX XXXX {$5200.00} 5 ] XXXX XXXX XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF THEFT THESE ACCOUNT WAS OPEN WITHOUT MY CONSENT

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 2020-11-07
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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF THEFT THESE ACCOUNT WAS OPEN WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called into US bank regarding a dispute I needed to file when I spoke with customer service the representative was rude and a nasty lady on the phone. After telling her I was not going to keep repeating myself since she was not listening to what I had to say I asked to speak to her manager and she hung up on me. When I called back to customer service and spoke with a manager she seemed as if she didn't give a XXXX that my legal right to dispute a transaction on my account were violated and acted very nonchalant as if it was just ok with an apology and a whatever. Just nasty trashy low class customer service. I will be filing a complaint with the A.G. 's office and every other regulating agency over this type of illegal banking practices.

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 2021-04-18
Company: Collection Consultants of California
State: CA
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/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the original amount of {$320.00} which has increased to {$420.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold -validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Perfection Collection
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint involves XXXX XXXX and their collection agency Perfect Collection. I signed up for XXXX 's services in XXXX 2017. The agreement was that this was a month to month contract, no obligations, cancel at any time. I paid for the equipment installed IN CASH. I later had to cancel their services due to faulty equipment, horrible customer service, and for being sold a subpar security system. I gave the company proper written notice and they acknowledged the termination of the agreement and the fact that I was under no further financial obligation. I just ran my credit report only to find out that the account was placed in collection as of XXXX 2017???? This is the WORST company I have EVER dealt with. How can this happen? I would like to request that someone look into their practices as they are fraudulent and overall their services are a complete scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Credit Technologies, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give consent to have my credit inquired upon by all of these companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: STERLING JEWELERS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a call from a 3rd party whom stated a law office reached out stating I owed a little over {$600.00}, gave full details on my account as well as partial of my social security number. I then reached out to the original debt company, Kay Jewlers, and was informed that I do NOT have any outstanding debt with the company. They directed me to " XXXX '' account managing, whom also showed a closed account with a XXXX  balance. I spoke with the law office, whom is not only calling several times, giving my information and personal details to a 3rd party person not involved, and leaving me voicemails for totally different named people. XXXX XXXX XXXX  XXXX XXXX ( XXXX, NY ) stated " you can either pay now, or I will go ahead and procced with a default judgement on you Friday Morning. ''

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 2021-10-22
Company: STERLING JEWELERS, 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:
I am a victim of identity theft due to the XXXX data breach KAY JEWELERS - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$830.00} - XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX The Following was not authorized on my XXXX or Experian account. XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2022-03-09
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-04-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PAYPAL close my account without any reason. 
Paypal is scammer i need help. 

i sent all my personal document for verification process to PayPal. ( Ref ID - XXXX ) Paypal is not doing her job properly and that the reason. i am file a report here. 
Paypal is violating the rights of people by closing accounts to keep the money and so make your company grow with the money that is stolen from people. 


This company act like scammer. 
my email is XXXX I demand access to my account immediately. 

PayPal asked me for my identity documents with photo, proof of address and other documents, however they closed the account permanently and did not let me withdraw the money I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
i see an additional hard inquiry from CoAf for Auto Loan. 
i purchased my vehicle from XXXX of XXXX and got the loan from the same Dealer, I was told that this will have 1 hard inquiry but it resulted into 2. 
Could you please help resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX XXXX, I contacted collection agency IC System Inc., in XXXX XXXX, MN at ( XXXX ) XXXX in reference to a medical collection account for {$55.00} that was not mine, that they had reported to XXXX. I was told by a male representative that the account was in a different department and he immediately transferred me. A female representative rudely answered the phone without giving a name, stating how can I help you. I advised that I was calling about the account that had been on my credit file since 2014 to see if it could be removed. 

After looking up the account the representative accidentally confirmed that the original account was not mine as she was looking it up. The representative then advised that because the person responsible for the account refused to pay it in 2014, I was responsible because she believed it was my spouse. The representative then asked me if I knew the person who the bill belonged to and began asking me to give updated information for the person who the collection account belonged to. I informed to her that I was not affiliated with that account, did not receive service for that bill and was not responsible for it. I requested that ICS Systems remove the account because the representative was aware that it wasn't mine and she sarcastically told me that they don't remove information, only report it and to contact the Credit Bureaus to remove it.

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 2021-10-22
Company: Student Loan Direct
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I enrolled in the student loan income driven program with student loan direct 1. I have been paying them since 2018 - present. I just found out that the company is fake and ALL my monthly payments, monthly processing fees, and yearly recertification fees have been going to this fake company, and not my actual student loan. This fake company has had access to all my personal information, such as : bank information, social security number, address, phone number, date of birth, passwords, tax information, employment information and paystubs, etc. I have been scammed for thousands of dollars. I'm not even sure what other damage has happened since they have had all my information and taking my money. the webiste for the fake company is : https : //www.studentloandirect1.com/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-22
Company: CITIBANK, N.A.
State: MO
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: Problem with personal statement of dispute

Complaint:
Citibank, has ruined my " excellent credit, '' over one late payment in over 18 years with them. I have asked them to re-look at my entire record and they refuse. How can a Credit Card Company ruin an " excellent paying customer ', with one late payment over 18 years of " on time payments, '' most with payment in full? In my opinion, the credit card Citibank is acting as a XXXX to a long term customer. 

Please assist me in exposing this Consumer Abuse to the public. I am also a XXXX XXXX XXXX, Veteran. 

Thank you. 
XXXX XXXX XXXX, XXXX XXXX, XXXX. 

Please do not accept their response without looking at all the documents. Thank you.

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: CL Holdings LLC
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:
I have a collections for {$450.00} XXXX  XXXX credit on my consumer report that is fraud and identity and is under a address I have never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I sent an investigation request to Equifax, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX I received an email stating account negative. Several duplicate transactions from the same merchant posted on XXXX then same transactions posted XXXX totaling over {$2500.00}. After speaking w/the merchant, I was advised they didn't see any orders or transactions processed on XXXX only the order on XXXX. 
XXXX spoke w/new rep XXXX who after 45min stated she needed help and transferred me to XXXX in FL . I advised duplicate charges, XXXX advised because of the amount and number of duplicate charges she would submit as fraud. XXXX closed my card and said submitting as fraud because we would be on the phone over 2 hrs if she did each transaction. I asked if submitting via fraud not duplicate like I stated if claim would be processed differently, her response was no. 
XXXX called back to verify if fraud was the correction action, spoke w/senior client advocate XXXX who stated it appeared to be fraud vs. duplicate charges because of the number of times the amounts posted. 
XXXX spoke w/rep XXXX who stated claim denied as it was not fraud. I advised of previous conversations and parties spoke to. Rep sent a request to reopen w/the correct action. 
XXXX spoke w/supervisor working the phones XXXX in FL who stated reopened claim was done incorrectly and about to be denied again. I was also advised to now send in the order email from the merchant. 

I have not received a provisional credit or my money otherwise! Each rep and supervisor that I speak with agree they see the obvious duplicate charges HOWEVER when it goes to the research department in the claims area they are simply denying and closing out each claim submitted. My account is in the negative w/nsf due to the obvious duplicate charges. I need my money back! I again called the merchant who is stating the same they only show one order w/one day of processing. The bank should dispute as duplicate, send them the information so they can state duplicate, no record of second order. The bank is not doing this?! Please help I am not only a veteran but I have XXXX XXXX XXXX XXXX and this is causing me to a lot of undue stress and to be quite uneasy.

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 2017-11-03
Company: Google Compare Credit Cards Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am unable to remove a stored XXXX credit card that I had on file with Google Payments Corp. for 2 cancelled subscriptions. Additionally, I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX 2017. I have tried for 3 days to call and email Google Payments with no results. Google Payments Corp. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX XXXX XXXX, XXXX XXXX and Google Payments told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX  until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion.This is unacceptable. Thank you.

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 2021-04-18
Company: Credit Karma, LLC
State: CA
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: Problem getting your free annual credit report

Complaint:
I trying get my taxes deposited on an bank card and ask me buchnch of XXXX question that I don't rember the answer due a XXXX XXXX I had so its hard for me to remember the answer to even get my taxes that I rightfully owed to me due pandic it been hard to do any thing I had car actin just aweek half ago and I have a bad head injury cause me to even remember old number and address at this point due to what happen to me I only have remember after actent not before any more and this pontin in time doctor said give it time that I should get those members back in time XXXX XXXX XXXX

Company response to consumer: Closed with explanation