BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: FIRST HORIZON BANK
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX, on XXXX. XXXX, XXXX, XXXX  and on XXXX XXXX, XXXX, FIRST HORIZON BANK add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Follow up to complaint XXXX, which was closed without proper resolution. I have attached the additional documentation from the XXXX XXXX billing system showing that there was/is no balance owed. This billing data clearly states that there was no balance remaining after the {$22.00} that Americollect 's records show was paid to XXXX XXXX. Please remove the incorrect collection claims from the three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 36 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The first XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00}. I've received notices back from all 3 bureaus XXXX, Trans Union, and XXXX stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.

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 2020-10-14
Company: EQUIFAX, INC.
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:
To : W

hom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened onXX/XX/XXXX with a bala
nce of {$6300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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 have report identity theft to FTC and report 3 credit bureau but XXXX  refuse to remove anything they hang up rude I been calling month straight Im exhausted

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 2020-05-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
So I was buying online items and this one dude that I was buying from told me the Items where clean. So I believed him and we ended up going through the transaction everything went smoothly until, a week later. I basically get banned from this online game also known as XXXX   where many people use USD to buy items. I feel like as he scammed me because he got the items but my account ended up getting banned even when he said the items were clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: UNITED COMMUNITY BANK
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
10 years ago we purchased a lot on XXXX XXXX in XXXX GA for {$250000.00}. We have made regular payments ( always paying a little more then due ) during this time. My husband and I went through a divorce and for a year I continued to make the payments on this loan as he said he doesn't care and would take bankruptcy. We also have a business together that just went under. I have put all the money I have into the business to try to stay above water. When I realized that I could no longer make the payment on the lot loan in XXXX, I contacted XXXX XXXX with United Community Bank of XXXX GA and asked the bank to take the Deed in Lieu of Foreclosure. XXXX said she would check on it. I contacted XXXX again in XXXX and XXXX. I was also contacted by a lady in collections from United Community Bank and I reiterated that we wanted to provide the Deed in lieu of Foreclosure. She said she would check into it. On XX/XX/XXXX, I spoke to XXXX again and asked about the Deed in lieu of Foreclosure and XXXX said we would have to go through the foreclosure steps anyway. I have attempted to work with the bank and am very disappointed this was allowed to happen which was not my intent as I have been trying to work with the bank and follow the proper steps. Now I have a letter from their attorney that they are proceeding with foreclosure. 

We have paid at least {$370000.00} on this {$250000.00} loan. Additionally, the bank should be able to sell the lot for at least {$120000.00}. If that is the case, the bank will have doubled their money in 10 years. Wow {$500000.00} and they won't take the deed. It is very disappointing and seems egregious that they are not willing to take the deed.

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 2021-07-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: MoneyLion Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I received an email stating that my " MoneyLion XXXX XXXX '' accounthad been approved. I never applied for this account. I was able to access the website, which used my email address as my user name and I chose " forgot password '' so I could change it and access the account. I found out that someone had fraudulently applied for and got approved for an account in my name, using an old address that I haven't lived at for over 5 years. There was a {$190.00} available balance with a routing number of XXXX ( I have no accounts with that routing number ). I immediately contacted MoneyLion customer service and reported this as fraud, and they sent me an email confirming that the account was closed on XX/XX/XXXX at approximately XXXX XXXX MST. It was odd too because the customer service representative started asking me for very personal information, including my date of birth and social security number, so she could make sure she was closing the " right account ''. I informed her that she should already have this information and I refused to give it to her over the phone. I also locked my credit at that time with all three major bureaus. Since then, I have been receiving numerous emails from Moneylion asking me to " activate '' my card, etc. I have forwarded these emails to MoneyLion customer service asking them to stop sending them to me since the account was purportedly closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Paypal Holdings, Inc
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a Paypal debit card in the mail. I did not apply for this card. When I tried calling Paypal to report identity theft, they could not help me because 1 ) the card was not activated yet, 2 ) I could not validate the email or phone number associated with the Paypal account. The only thing I could validate was my name and address on the account. ( Which Paypal confirmed they are using my name. ) I tried to explain that someone opened the line of credit using my contact information but then they are using their own email and phone number so how would I know what those details are? It is not me. It is unauthorized use of my name. I asked to get the account shut down, they couldn't do that. They can't help me since I can't validate the account number, email or phone number on the account.

I have frozen my credit with the 3 major credit agencies. I don't understand how someone could open a line of credit using my information. I was on hold for 1 hr 30 minutes and I spoke to 7 people at Paypal. No one could help me. I am trying to help prevent additional fraud using my name and information and they don't know what they are doing at Paypal. If you don't meet the guidelines to the way they have been trained to respond to your inquiry, they can't offer solutions and they don't know how to help.

This is the 2nd time I have experienced identity theft with someone opening a Paypal account in my name. The last time, it took 3 years and the help of a collection agency to clean it up. Even then, Paypal handled the situation very poorly and wouldn't help me get resolution. It took multiple phone calls, police reports, etc. Paypal treated me like a criminal and I was trying to help clear my name and help them stop the fraud. They need a better fraud detection / resolution process. They want you to notify them of fraud but their people aren't trained to offer proper help or solutions. Criminals have discovered how easy it is to scam Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX to purchase a product from XXXX. The seller never sent the product promised and I kept trying to contact them they never responded and then I told them I would take legal action and I called my back and XXXX XXXX was told it was nothing they could do. I was so upset then the scammer decided to answer and sent me a package full of paper I was really hurt. This is crazy how people can think there doing the right thing by sending from there bank and then theres no protection.

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 2018-05-07
Company: U.S. BANCORP
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
US Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-01-21
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
THIS ACCOUNT WAS PLACED ON MY CREDIT REPORT AFTER IT HAD BEEN INVESTIGATED I RECEIVED A LETTER XX/XX/2019 FROM DISCOVER STATING THE ACCOUNT DIDN'T BELONG TO ME AND I WAS NOT RESPONSIBLE CASE WAS CLOSED. 

CONSUMER FINANCIAL PROTECTION BUREAU CASE # XXXX DISCOVER PLACED IT BACK ON MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
XXXX credit bureau as well as XXXX  are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw XXXX and XXXX  credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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:
The items i will list will be items that DO NOT BELONG TO ME. The belong to someone with a similar name : 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 2018-06-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I Went to XXXX XXXX for XXXX and a XXXX. I was billed {$3000.00} thru XXXX XXXX. I went through XXXX XXXX to pay for my teeth. XX/XX/XXXX I picked up my teeth. My first payment with XXXX XXXX was XX/XX/XXXX. They Charged me {$3000.00} included in that charge was a {$30.00} charge, don't know what that charge was for, then they charged me on my very first statement {$8.00} Interest. I knew right then I did not want to do business with them. I wrote them a check XX/XX/XXXX for {$2700.00} that paid my portion in full. XXXX XXXX owed me 10 % for a Senior Discount that I had to ask for. I ask XXXX XXXX if they paid XXXX XXXX the {$300.00} for the discount. I found out they had credited my account at XXXX. I told them I didn't owe them anything that it should go to XXXX XXXX. They sent XXXX XXXX a check on XX/XX/XXXX {$300.00}. That should have paid the account in full. I continue to be billed from XXXX XXXX, Finance charges, Late fees, and Interest charges. Each month they add more Finance charges, Late fees and Interest charges. XX/XX/XXXX they show me owing {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, there was a transaction that appeared on my bank checking account and immediately I contacted the bank to file a dispute about this fraudulent charge that I did not authorized for the amount of {$1900.00}. At first disputed that I file with the bank, they were not willing to reimburse the amount above. Then I asked them to reopened the dispute which they did and I waiting for the reponed of the first dispute to be completed. This was a fraudulent charge on my account and I would like to receive this refund as soon as possible. 
Due to that I filed an FTC report with reference number : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. These account are XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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:
these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our payment sent to SPS Inc. was not credited to my spouse 's account as requested on payment statement. The payment was processed as two payments. Not a single payment for principle and interest. This allowed SPS to charge us interest twice for the XX/XX/XXXX payment. We contacted SPS to correct this error to apply our payment as requested. The account representative talked with us and said the funds would be credited as requested. would be done within 5 to 7 days and we would not be able to see this correction in the online access. SPS Inc. representative did not say this would be reflected on a corrected XX/XX/XXXX statement or would they take the XX/XX/XXXX payment funds as payment for XX/XX/XXXX and XX/XX/XXXX as XX/XX/XXXX statement shows. The statements have blocks for assignment of funds, we wanted all funds above the regular payment applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: GA
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:
Please send to XXXX and Equifax. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed XXXX  : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX 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