BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: Telerecovery Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company called Telerecovery placed a Collections Debt in my credit file XX/XX/2020. They have used several company names that they are representing to none that I am familiar with owing. The last company name they used, I managed to find a number and called them. The company XXXX XXXX verified my Identity and said that there was an error and the Collection should immediately removed from my Credit file because the bill was settled over 4 years ago. The company stated that they had encountered multiple problems with their Billing department and were trying to resolve them as quickly as possible. This Collection has ruined my credit, dropping my score more than 50 points, caused my Auto Insurance rates to go up, and it is not even a valid debt.

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 2020-06-27
Company: Experian Information Solutions 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:
I was at XXXX XXXX today XX/XX/2020 and I applied to see if i could finance a diamond ring, however, when they ran my credit I was told that I was not approved due to having an account in negative standing appearing on my credit history. I had no idea what account they were talking about so I looked through my credit report and I saw an account from XXXX XXXX for an amount of {$1600.00} in negative standing. This account is not mine mine ; I did not open it nor did I allow anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this unauthorized 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 explanation
Consumer complaint received 2021-07-19
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX, and XXXX  have $ XXXX Government Student Loan Reporting on my credit report which is not true and misrepresentation of Federal Truth In Billing Act and FTC law. Proof attached for wrongful recording on my credit report attached. All my government student loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: GREAT LAKES
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .Great Lake Id:XXXX .its not fair its bringing my score down badily

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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:
I'm a victim of identity theft and someone actually opened up a credit card account in my name and I had no acknowledgement of it so I would like to get deleted off my reports

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 2018-04-27
Company: Navient Solutions, LLC.
State: MD
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 Dept of Education/Navient 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Put a hold on my Direct Deposit for multiple days

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 2021-07-19
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX Wire transfer fraud on personal checking account XXXX Amount of wire transfer fraud was {$1500.00} XXXX phone call to inform Citibank wire fraud department XXXX Walked in to local branch # XXXX to change checking accounts XXXX Called Citibank wire fraud and spoke to XXXX ( fraud prevention specialist ) and she said that they had opened a case # XXXX and that I should file a FBI report. 
XXXX I filed an Internet crime complaint ( XXXX ) XXXX I called Citibank Fraud department and spoke to the dispute department ( XXXX ) Was told that they were working on the wire fraud XXXX I called Citibank fraud department and was told that I would not getting my money returned and that I should look at getting an attorney. 
XXXX I spoke to XXXX XXXX XXXX XXXX in XXXX CA and she would follow up on the wire fraud investigation XXXX I went into Citibank branch bank and spoke to XXXX XXXX bank manager about the wire fraud and was told that there was nothing he could do at his level that it was in the the hands of the fraud department, and unfortunately it looked like i would not be getting my money back XXXX XXXX from Citibank wire fraud department ( ( XXXX ) XXXX option XXXX ) called me to verify the wire fraud and if I had filed an affidavit of unauthorized on line wire transfer and told her that I had not filed or had knowledge nor was told of this claim procedure XX/XX/21 - I went into Citibank branch # XXXX and filed an affidavit of unauthorized on line wire transfer. 

XXXX wrote a complaint letter to XXXX XXXX Citibank CEO regarding wire fraud and how unhappy I am with the process, progress and resolution.

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 2019-03-25
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from GC Services asking me to confirm my date of birth and social security number. I refused to do so to protect personal and confidential information. They refused to tell me what they were calling about. Since then they have repeatedly called and left messages. No information has been provided to me at all. Today I received an email from my employer attaching a purported " Order of Withholding from Earnings '' from GC Services. THE NAME AND THE SOCIAL IN THE ORDER ARE NOT MINE, NOR IS THE DEBT. GC Services has unlawfully and improperly attempted to get my employer to pay my money to them directly. Now, conveniently, they do not answer any calls. 

The " order '' cites 20 USC 1095a as not requiring a court order. However, said section authorizes the XXXX XXXX XXXX ( not GC Services ) to initiate a proceeding, which requires a hearing and NOTICE. GC Services misstates law in an attempt to improperly garnish my wages for someone else 's alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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:
The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with Transunion at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 I XXXX XXXX the natural person received a letter from XXXX XXXX XXXX stating that I pay debt. I do not owe any debt to XXXX XXXX or did I do any business with them for them to have my information and I am furious that they inconvenience me by calling and me and asking for money and send me letters demanding money. This a violation of my consumer rights and according to 15 USC 1692k the are criminally liable for {$1000.00} for each violation they've violated under the FDCPA.

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 2021-07-19
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021 I went to XXXX XXXX website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was sent some money on 2 different occasions abd was told in order to receive the money i have to send {$200.00} XXXX for security verification then send another {$200.00} XXXX for another kind of fee. And then another {$200.00} and I'll vet my money which i never did receive and then yesterday i was supposed to be receiving another transaction and i sent some more money only to hear i need to send another {$50.00} for bank fee What is up with that and i also was told that i will get all that money reimbursed back to me XXXX haven't received any of the money that was promised to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: WA
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible 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 explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: MA
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 was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Holst & Boettcher, LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This has become an on-going practice for XXXX, XXXX XXXX XXXX to aggressively and excessively collect a debt that has been " paid in full '' according to the original principal amount of {$5000.00}. Again, this law firm is seeking to take advantage of a consumer. I've paid through garnishments the amount of {$9900.00} which is 194.5 % of original debt. I've also requested the law firm to forward me their payment records of this debt with zero success. XXXX had written off debt years ago. This law firm is acting in bad faith and needs to be reported to the attorney gerneral office of Colorado, which I will pursue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX hasnt reported my credit card account to equifax and XXXX  its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told XXXX XXXX XXXX that this credit card account belong to me and it only been reported to XXXX  and they refuse to report to other two credit agencies and never heard back from XXXX XXXX  account number ending XXXX and i would need this account to be reported ASAP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: DISCOVER BANK
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit bureau continues to report inaccurate and unverified information on my credit report. I have request PROOF of their investigation, documents that show how they determined my dispute accounts were verified, and for the person they made contact with who verified these inaccurate accounts so that I could follow up with them directly. to has been well over 30 days and I have received nothing the furnisher nor the credit bureaus. I have attached both of my last letters sent to the credit bureau. Note : I have still not received any form of proof after both request.

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 2021-08-06
Company: EQUIFAX, INC.
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.

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 2018-06-16
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The Petitioner XXXX XXXX XXXX  hired Rubin & Roithman, LLC and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.

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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-08-09
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX we received a letter to our hour stating that if we did not pay our bill by a certain date we would have our debt collected. we Made a a payment to XXXX XXXX XXXX on XX/XX/XXXX the following day. We have proof that we made a payment for that day as well. a couple days ago we received a letter from Kinum Inc. saying that we didn't pay our debt when in fact we did.

Company response to consumer: Closed with explanation