BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX there were 3 fraudulent charges tha were made on my card, 2 XXXX XXXX transfers and one transaction at an online clothes retailer. I never lost possession of my card. I froze my card immediately and informed them of the fraudulent charges in the only way that you can file a dispute a charge is by clicking on the transaction through the app. I then received a text a couple of days later stating that the charges would not be refunded because they were not fraudulent in nature which is false.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
XXXX Balance : {$12000.00} Please be advised you are in direct violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( e ) ( ii ) I have contacted and reached out to your company to no avail. This loan has completed the rehabilitation process DELETE this account now from all consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXXXXXX XXXX XXXX. All creditors are reporting in accrate information on 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 2021-11-02
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2021 I received an unsolicited debit card from NetSpend with my address and someone else 's name, XXXX XXXX. I never requested or applied for this card. 

Last month I received a card with a male 's name ( last name XXXX ) on the card, but never opened the envelope. I just shredded it after contacting the company 's customer service number and explaining the situation. I asked to be removed from any mailings and explained that nobody with that name lived here. 

I am submitting this complaint because this is the second unsolicited card I received and it has someone else 's name linked to my address.

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 2019-11-05
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an unlawful judgment XXXX XXXX. XXXX, that was entered in against me which I had know knowledge of until now. I have tried to get an explanation but recently XXXX XXXX XXXX sent me papers vis the CFPB and I and my ex husband have reviewed the documents. This credit card and transactions is an result of identity theft and fraud. There was a police report filed in XXXX Police department ( XXXX ) XXXX back in the year of XXXX to XXXX as repeated attempts of our identity was used by several individuals to obtain and used credit cards without our knowledge and permission. This is debt has to be vacated to the courts. Otherwise I will request a vacate of judgment myself with my ex husband as there was much that happened with our information and the police have documented information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: RI
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:
I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) consumer CO 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX-XXXX  5.all XXXX  inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX   10.XXXX  11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX 13. XXXX/XXXX   XXXX 14. XXXX  XXXX 15.XXXX 16. XXXX XXXX XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20.XXXX XXXX 21. XXXX XXXX XXXX 22 XXXX XXXX 23. all XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX/XXXX 26. XXXX/XXXX 27. XXXX   XXXX  XXXX 28. XXXX XXXX 29. XXXX  XXXX 30.XXXX XXXX XXXX XXXX   31. XXXX XXXX/XXXX 32. XXXX  XXXX  33. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, Ally Financial closed an account I had after a vehicle under my name was repossessed. On XX/XX/XXXX, I settled with a company called XXXX XXXX XXXX XXXX, and a payment was made. I got a letter from XXXX XXXX XXXX stating that my debt was satisfied and I took no further action. 

On XX/XX/XXXX, I checked my credit and found that Ally Financial had not reported or updated the satisfied debt. My FICO credit score has been negatively impacted due to Ally Financial 's failure to report to the credit bureaus of the settled account. 

On XX/XX/XXXX, I contacted Ally Financial credit department to attempt and resolve my issue of them not reporting to the credit bureaus. I was transferred several times and no one seem to have the answer or how to go about fixing the problem. The only solution Ally Financial offered was to submit a dispute that was estimated to take up to 45 days. Why should I have to wait longer to have Ally Financial report the update longer after they had approximately two billing cycles to report it. Ultimately, they kept transferring me to the debt collection agency about the situation. XXXX XXXX XXXX confirmed that I had a zero dollar ( {$0.00} ) balance owed and claimed that Ally was notified approximately in XXXX of XXXX. 

Ally has not taken responsibility or actions to report to the credit bureaus after the account with them has been settled. Ally Financial has had plenty of time to report that their account was settled and my FICO score is paying the price.

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 2017-12-13
Company: CITIBANK, N.A.
State: MI
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:
yes XXXX XXXX put in another credit card under my name ssi number XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing fraud useing my information.

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 2019-11-05
Company: EQUIFAX, INC.
State: CO
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 credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXX XXXX account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX AV XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXX : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/2017 Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

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 2018-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They offset my entire paycheck for a debt my wife had made on a joint account that is closed. BOA took the money from my personal checking account, leaving a great hardship. I cant buy food, or pay bills and we are in great financial hardship. They did not inform me of this action.

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 2023-03-24
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:
XXXXXXXX XXXX XXXX has pulled my credit over four times in a series of days. I have not agreed nor allowed for these inquiries to my account.

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 2021-07-21
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Upon servicing transfer of the loan to Mr. Cooper, there was an escrow balance of {$1500.00} with the originator. The originator has given me assurances that {$1500.00} was transferred. However, my account at Mr. Cooper shows a balance of {$710.00} at the time of transfer, which is incorrect. The servicing transfer took place on XXXX XXXX and I have spent several hours with Mr. Cooperss customer service on the phone but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am XXXX XXXX  whose account been put on hold. Well as XXXXl I am now the XXXX over the Trust of XXXX XXXX XXXX and his estate. So therefore XXXX has no right to continue to defame him on a false charge. It should be stricken from the Record cuz that account is no longer public but PRIVATE. Please remove this from the records so I can get my economic expenses back in order. I have trust, EIN Estate & Trust to prove what I am saying & I'm in the XXXX XXXX listed as a XXXX American. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-20
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I received a notice from PayPal that I had authorized a payment to XXXX XXXX in the amount of {$59.00}. I immediately disputed this charge as unauthorized, as on XX/XX/XXXX I had filed a claim for the same amount ( {$59.00} ) for the same merchant. As I had previously filed a claim against this merchant, It was my reasonable understanding no further charges or reoccurring billing would be allowed by this merchant. I did not receive any products or services from XXXX XXXX within the last two years, and in XX/XX/XXXX the merchant did not respond to myself or PayPal for resolution to the XX/XX/XXXX case. I do not understand why I was automatically charged {$59.00} exactly 1 year later and that there was not an administrative or technical control in place to prevent the automated transfer of funds from my debit card to XXXX XXXX when I had previously proved to PayPal I was not in receipt for any products or services offered by XXXX XXXX. I initiated a claim in PayPal resolution center for unauthorized charge on XX/XX/XXXX at XXXX EDT. I received an email that my claim was denied and closed on XX/XX/XXXX at XXXX EDT ( exactly 4 hours later ). At XXXX XXXX EDT I attempted to logon to PayPal and begin another claim. I was not able to proceed, as PayPal blocked this action, informing me I had 'already filed a claim for this purchase '. Additionally, the claims history in PayPal did not contain the historical information for my claim I had issued on XX/XX/XXXX which caused me to have to login to my email server and retrieve the historical documentation of the previous claim to the same merchant, placing the burden of proof on myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
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:
I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, 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 had very little interaction with the credit bureaus over the years, but with the recent crisis regarding identification theft, I have decided to keep a watchful eye over my personal information. My challenges and concerns have consistently been with Equifax. While Equifax 's customer service is superior, no one is resolving my issue. 

I have 4 inquiries on my XXXX report, 7 inquires on my XXXX report and 27 with Equifax! When I call Equifax to address this concern, they either redirect me to the listing company or try to promote one of their products. I have tried both and those recommendations have proven ineffective. The companies advise me to dispute it. Equifax keeps sending me back to the company. I just want this fixed! 

I do not have an account with the following listed companies. Any access to my credit report by these companies were unauthorized by me, and they are only showing up on my Equifax report : XXXX Mortgage Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX I do have an account with XXXX XXXX, but this inquiry is for auto financing. I did not authorize this inquiry. 

XXXX  XXXX XXXX from XX/XX/XXXX Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I received a text message from Comenity XXXX XXXX Fraud Department about suspicious activity from XXXX/XXXX ( XXXX ) amount {$67.00} on that same day XXXX made an online purchase of a GPS from XXXX XXXX XXXX XXXX in NY ( XXXX ) amount {$120.00}. I just used my card to pay for the GPS but my information was stolen at the same moment.

Company response to consumer: Closed with explanation