BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I have asked Midland credit management to stop with this debt I'm not sure who opened it but it was for sure not me I've asked them to prove that it was me they said they can and I have not seen no proof I would like them to get this off of my credit report as this is not mine I did not open that account I never knew anything about this account until I'm seeing it on my credit report go away as I never opened an account with midland I don't even know who they are I believe this was opened fraudulently with any knowledge of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the XX/XX/22 I received a text from Bank of America saying that someone was trying to get some money from my account by XXXX if i allow it I responded no then a minute later I received a call i normally dont answer numbers that i dont know i figured out it was from the bank since i just received a text he was saying that he called from bank of America someone was trying to get some money we need to take care of it ok i said how do I know if you he telling me the truth he told me go on your account I did he was telling me everything from my account the amount my last transaction I did I only confirmed the information I said it must be from the bank he gave me a name and he told me he s going to give me a number of an associate that's on the case so whoever that trying to take money from my account can't do it I said to him again how do I know if you from the bank he told me go look in the back of your card you will see the the number I'm calling is the same I went and checked and I did the transaction he asked and after he asked me to delete his info this is where I realized it was a scam I called the bank right no one tried to help me until Monday XXXX someone filed the claim since then everytime I called is the same answers please help me I have family in XXXX to help I can't not loose this money 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Transunion needs to remove XXXX XXXX as a collection. This was paid in full. please see doc. attached. Account XXXX XXXX XXXX  transuinon. I have already disputed this.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-12
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi XXXX department is trying to close a case without even allowing me to upload supporting evidence. 

I've disputed an XXXX transaction where the door was broken and not lockable. I have taken video proof that the door is not working. The amount is XXXX posted on XX/XX/2022. The transaction is disputed on XX/XX/2022. 

For the next couple weeks, I have made XXXX calls to the Citi XXXX department as well as XXXX emails to give them as much details as possible and offering the video proof. However, they have never provide me a way to upload those videos. I was told that I will be contacted by the investigator, but i was never contacted. Not even a single reply from the XXXX emails I sent. 

Now, they are closing the case saying I did not provide any documentations, despite I offer those video evidence in all XXXX calls and XXXX emails.

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 2022-09-28
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: FL
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 Debt Reporting act XXXX # XXXX, has violated my rights. 
15 U.S.C.1681 Section 602 A. States that 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 an account without my written instructions.

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 2022-07-30
Company: Experian Information Solutions Inc.
State: UT
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, the following Account has violated my rights : 1 ) XXXX  ( Also Listed As XXXX, XXXX. ), Account # XXXX, Amount {$360.00}, Account opened XX/XX/2013. 

15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.

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 2022-12-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This began with a denial for a loan modification which was submitted to me on XX/XX/22. I appealed the denial. The Loan servicer has now provided a loan modification offer dated XX/XX/XXXX ; however, SPS has demanded the first payment be made by XX/XX/XXXX. This is less then 30 days from the receipt of the notice of receiving their offer. While the company, SPS Select Portfolio Servicing has not answered my appeal per se, this modification plan can only be accepted by making the first payment with very specific instructions which are an undue hardship. The date, XX/XX/XXXX is a Sunday also a standard holiday and I have not received sufficient notice to be able to make the first payment so I may successfully enter in the trial period. 

I am asking for payment due date to make the first payment from XX/XX/XXXX to XX/XX/XXXX to properly prepare financially to make the first payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Blitt and Gaines, P.C.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an affidavit in the mail stating that I owe XXXX {$1000.00} from the year XXXX  that I knew nothing about. Ive never order from XXXX before and Im trying to resolve this issue because theyre trying to sue me for {$1000.00}. I do believe that my social and my name has been tampered with fraud. I need help with this situation I can not afford to be sued my phone number is XXXX. If any questions email address XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CURO Intermediate Holdings
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD Astra Recovery Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has been sending me collection notices in the amount of {$300.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX  Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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

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 2022-09-28
Company: Experian Information Solutions Inc.
State: OR
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 an alert from Experian on XX/XX/22 saying that XXXX  XXXX XXXX made a Bank/Credit Card Inquiry by checking my Experian Credit File , ant that this hard inquiry will stay on my credit report for XXXX  months. The alert listed the phone number as ( XXXX ) XXXX. When I searched for this number, I found that this number is associated with a phishing scam ( https : XXXX ). I called XXXX  XXXX XXXX XXXX credit card customer service line listed on their website instead. They verified that XXXX  XXXX XXXX did not recently submit an inquiry, nor open any new lines of credit for me. I then called Experian, who placed a fraud alert on my file and agreed to remove the inquiry from my report within XXXX hours. I asked why they gave my credit report to a XXXX  XXXX XXXX impostor and did not get a response. I find it disturbing that a company that is supposed to help protect my identity would give my credit report to a scammer and then send me an alert with the scammer 's phone number on it. Had I called that number and given my personal information, it could have been much worse. ( In the meantime, I received a text message from XXXX saying " Congratulations, your XXXX  XXXX XXXX credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. '' Clearly, my personal information was stolen and is being used to phish. )

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 2022-08-22
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. IS 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Account information incorrect

Complaint:
I have sent several letters to the credit bureau agencies, and they have failed to comply with my investigation request. They will remove an item and re-insert it without providing me with any proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: FL
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:
The credit reporting agencies all 3 that i sent letters by certified mail to verify all my information on my reports. I ask them to verify All my information, they stated in a return letter that they did. But looking at my credit reports almost all the dates and amounts are different and dont match. I ask them remove an entry about an aprtment that was fraudulently put in my name using my personal information, I lived in my own home from XXXX to XXXX located at XXXX XXXX XXXX XXXX XXXX, TX. XXXX and a Company called XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, TX. allowed someone to get an apartment in my name, using my personal information. This is wrong!! 
The following information in my credit file is inaccurate still, after they said they verified it. 
XXXXXXXX XXXX XXXXXXXX - Fraud - XXXX. XXXX - several accounts under my name. 
XXXXXXXX XXXX  Acct # XXXX - never had an account with these people, but somehow i owe them {$2900.00} XXXX XXXX XXXX  - Acct XXXX XXXX Trying to collect {$4100.00} on a fraudulent apartment. 
XXXXXXXX XXXX XXXX  - Acct XXXX- Never had an account with these people! 
XXXX. XXXX XXXX - Paid them in full but they will not changen the info on 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 2022-06-09
Company: EQUIFAX, 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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting Credit inquiries that were unauthorized. I never signed, authorized or gave permission for these inquiries to be given access to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my checking account with First National Bank In XX/XX/2022. I have receipts showing I closed the account and there was a XXXX balance. I got an overdraft letter In late XXXX telling me my account was the overdraft. I called the bank and explained that I closed the acct. and I would not be using their services going forward. I was told the matter would be taken care of and the acct. would be closed. In XXXX I received a new overdraft letter telling me I was In overdraft again. I again called the bank with my displeasure with the handling of the closing of my account. This time I was met with resistance to the fact I closed the account. The person I spoke to told me I would have to call the branch I opened the account with and have them reverse the charges and close the acct. I refused to call that branch because I had a bad Interaction with a bank employee. She said that she would call her XXXX named XXXX and she would give me a call. I was never called by XXXX. I emailed the Bank ( email attached ) and told them about my situation and If this erroneous charge would do damage to my business and personal credit if It went to collections. I never got a reply back. In XXXX I received another overdraft letter. I have tried to close this account and FNB. will not let me. I would like an email or letter confirming this matter Is closed and that I won't need to go any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I revieved a lifelock alert stating that TD Bank USA/Target inquired on my XXXX credit report. I NEVER attempted to open an account. I contacted TD Bank/Target and it was confirmed that someone else attempted to open a credit card using my social security number. The email address, phone number and address however were all different. TD bank agreed to put a fraud alert on the application and not issue the card. However, I would like this followed up with to make sure. I have since put a freeze on all 3 credit files. I also would like the inquirery removed from my XXXX report.

Company response to consumer: Closed with non-monetary relief