BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I would like XXXX and Experian to take a look at XXXX XXXX credibility. They are reporting to XXXX that om XX/XX/XXXX my balance was {$350.00}. They are also showing no late payments and that I made a payment but my balance is still {$350.00}. How can my balance in XXXX be {$350.00} and I made a payment on XX/XX/XXXX and my balance still be {$350.00}. This is what they reported to Transunion. Then they told Experian that on XX/XX/XXXX my balance was {$440.00} and I had made a recent Payment of {$40.00} however on they payment sheet with Experian they show no payments. Then they told Experian that on XX/XX/XXXX my balance was {$350.00} and I made a {$90.00} payment. Then they told Equifax that my balance as of XX/XX/XXXX is $ XXXX They have made 4 completely different reports to all 3 credit bureaus. How can they be allowed to keep their trade line n my credit report when thy are reporting all these different things. Which version of their incorrect reporting are we superposed to believe? see attached documents from Experian, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Performance Management keeps calling although I already explained the debt is not mine, maybe due to the identity theft. But the agent, XXXX XXXX, insisted on paying the debt. This conversation was on XX/XX/XXXX. 
The phone number, XXXX from XXXX XXXX. I was told that I owe {$130.00} for the last eight month bill. The number is not belonged to me nor my family. But she doesn't listen to me, kept repeating that I owed. I am sure she was trained like that. 

I called the XXXX XXXX about the phone number. The customer service agent was not able to pull out the number. But she advised me to ignore the call from the collection agency. 

The collection agency keeps calling, stop me working. I am too tired and these calls have to be stopped. I am sure there are many others who become victims of this collection agency.

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 2022-05-02
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: Old information reappears or never goes away

Complaint:
I've notice on my credit report that my address is reporting incorrectly. I've tried numerous of times to dispute the inaccurate address from my consumer report and the company did not comply with changing my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 hand multiple mortgage inquiries showing in my credit reports which I did nt authorized.Kindly delete as it is my score XXXX XXXX-multiple XXXX XXXX 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 2021-12-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unfortunately, due to XXXX and health issue in our family, I had to file for Bankruptcy. I informed Navy Federal Credit Union on XX/XX/2021, via online banking messaging center. I received a response, from XXXX XXXX, which confirmed their receipt of the message. I deposited funds into the account to assist with medical needs, and the funds were being transferred to an external account. XXXX XXXX withdrew the funds and applied 3 amounts to credit cards which I had included into the Bankruptcy. This is causing issues with my filing of Bankruptcy, as my lawyer has advised me to not make any payments on loans which are being included into the Bankruptcy, as it may affect the filing process. XXXX XXXX refuses to return the funds, which not only they should have not removed as they were notified that I am in the process of filing for Bankruptcy, but caused my external account to incur several fee 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I started receiving requests, missed payments, and debt collection attempts to make payments on a student loan that I do not own. This account has been reported to the credit reporting agencies and is significantly impacting my credit report and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: CITIBANK, N.A.
State: TX
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:
I may be subject to identity theft, and I suspect my social security number is being used in fraudulent activities. 
Early XXXX a credit card from a retailer called XXXX XXXX XXXX XXXX ) was issued to me without me applying for it. On XX/XX/XXXX, I received an email saying that a credit card from a retailer called Wayfair ( Citi Bank ) was approved, without me applying for it. 
I called both banks to report fraudulent activity on my behalf, and they closed the credit card accounts. I talked to the Citi Bank identity theft department, and they connected me to XXXX in order to set up fraud alert. I placed a freeze to my credit the credit bureau over the past couple of days. 
Both store cards had made purchases ( that did not deliver, or is not going to deliver ), to the following address : XXXX XXXX XXXX. XXXX XXXX, Maryland XXXX. It seems that somebody at this address is using my financial information to open store credit cards and making purchases of small kitchen appliances.

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 2022-08-04
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: Reporting company used your report improperly

Complaint:
Did not excersise its grave responsibility. 
You were unfair and partial and did not respect my right to privacy. 
I never instructed them to furnish on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Data Search NY, Inc.
State: TX
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:
I am being aksed to pay a debt that does not belong to me, please help.me this lady keeps disconnecting and stating she will not mail something out in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Discover, Mutiple times you have told me that you do not have actual verification of the account in question being opened by me.

You have been sent an Id theft report from the ftc. You have ignored the theft report, and you continue to commit fraud by verifying the debt with the credit bureaus, despite having told me mutiple times you do not have any signature of mine anywhere.

If you can not provide a document with my signature on it, then all you can verify us that someone used my information to open an account. I am a victim of identity theft, I was also part of the data breach.

You claim you sent an email to the email address that the account was opened with, and I responded. I did respond, but you sent it to my email address, you told me the account was opened with a different address than the one you sent it to. The difference between the two email accounts is the number " 2 '' is in the one it was opened with according to you, and my email address does not have the number 2 in it, which is where you sent the email I responded to. 

As far as not returning my calls, once I request a call back you can call me, even if i requested no further calls earlier. Its seems ridiculous that you would suddenly care about laws and rules when it comes to phone calls, though you are misguided, but suddenly not care as you continue to verify a debt without any verification that I opened the account other than someone used my information to open it. 

If you are unwilling to respond to the cfpb, please extend that courtesy to the credit bureaus as well. Dont respond to the next set of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: AZ
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 have two collections on my Experian credit report that are erroneous. They are from : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX These are medical collections that are not valid. I don't even know what they are doing there. I have no clue what they even are. I want them removed immediately.

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 2021-02-10
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The school is closed due to improper handling of funds the information on the loan amounts is wrong anyways this makes the XXXX  degree void which makes the loans void and they are not eligible to be collected or listed in collections remove from the credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. XXXX XXXX XXXX has opened a fraudulent account on my credit profile and it needs to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text around 10 am on XX/XX/21 asking if I authorized a {$2000.00} XXXX transaction I texted back no, I immediately got a call back from a call ID 'd as Chase Bank ( XXXX ) XXXX. The man on the phone asked if I authorized a XXXX transaction to XXXX XXXX in the amount of {$2000.00} scheduled at noon? I said I don't know who that is. He said we need to reverse the charges back to you. I said how do we do that, he said go into your XXXX, put in your name, your phone number, the amount ( {$2000.00} ) in the memo type " Fraud Reversal '' I did it then he said what does it say I said it doesn't say anything it took me back out to the home screen. When I tried to go back out and go back in my account I was locked out, when I told him I was locked out he hung up on me. A number popped up on my screen telling me to call which was different than he called me from ( XXXX ) XXXX. I called that number another man answered and I said I think I was just scammed and he said no you were just speaking to Will in our fraud dept. I said ok, he said to call back the next day to speak to someone about unlocking my account. I called the number on the back of my card the next day and they told me no claim has been filed and that's when I figured out both numbers were scam numbers. Chase is offering NO refunds or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2020, I scheduled a XXXX  ( XXXX  XXXX ) with a Dr in XXXX. When I started the contractual procedure the rep XXXX XXXX XXXX stated she would need a XXXX deposit, and then I would apply for credit to cover the remainder. The credit card company they use is XXXX. I authorized XXXX deposit to be withdrawn from my bank. I then proceeded to apply for credit. I was approved and they took the balance from the card the next day or so. My actual XXXX was not until XX/XX/2020. When it came time for the XXXX, they were requiring me to get additional services. Previously the XXXX center was running a promotion for the exact service XXXX XXXX XXXX XXXX, I asked to have it added to my services, I was told by another rep that they would have my coordinator add it. When I was getting ready to for the trip, I was then told I had to add this service for an additional XXXX dollars. I explained to XXXX that I thought it had been added already. She stated that once your contract is made it can not be changed. I then explained to her that by her requiring this additional procedure that she is changing modifying/changing my contract. She got upset and said that I either have it or don't have the procedure done. I then canceled my procedure due to them amending my contract without prior approval and without proper notification. They then charged CC XXXX deposit. I have disputed it over and over. I feel like I don't owe the deposit, due to contract modification with approval nor timely acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There is a {$3500.00} charge to a line of credit at Santander Bank which I never authorized with my name on it. I disputed this and my  dispute was denied. I have never received any Bill 's yet my credit score is being negatively affected. I did not take this money and I should not have to be held responsible. What can I do.

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 2020-06-21
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As I was scrolling through my credit report, I noticed that this company placed an false collection account on my credit report causing me not to be approved for certain things during this Covid-19 crisis. This bill is stemming from a medical bill that my Health Insurance carrier has  already paid to Dr , and I have the proof. Also the Dr office or practice isn't in business anymore due to Covid-19 during a Statewide shutdown of Florida.Bill has already been paid via Insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is against Macys. I bought a few things from Macys on Macys card # ending in XXXX. Later, I returned most of the items but made the payment for the purchases as well. Last payment was made in XX/XX/2019 which cleared the dues. But Macys is constantly charging late fee and interest charges since XX/XX/2019. Id really appreciate if u could help me resolve this case.

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 2018-05-31
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:
I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
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:
HSBC BANK USA DID A CHARGE BACK ON MY ACCOUNT FOR PURCHASE FOR XXXX  PHONE SERVICE. THE PURCHASE WAS ON XX/XX/XXXX FOR {$80.00}. THE CHARGE BACK WAS ON XX/XX/XXXX. THE BOTTOM LINE IS I HAD TO PAY XXXX  TWO TIMES WITH THE CREDIT CARD AND GOT CREDIT FOR ONE, I CALLED XXXX  ON XX/XX/XXXX, AND THEY ADVISED THAT THE SERVICE WOULD BE DISCONNECTED ON XX/XX/XXXX IF I DID NOT PAY. I ADVISED I PAID BACK ON XX/XX/XXXX. THEY ADVISED HSBC BANK DID A CHARGE BACK. THE BOTTOM LINE IS {$80.00} IS MISSING. I CALLED HSBC ON XX/XX/XXXX AND ADVISED THERE WOULD BE A CREDIT FOR {$80.00} ON THE CREDIT CARD. I AM OUT {$80.00} FOR SHADY DEALINGS WITH THIS COMPANY. I WANT {$80.00} BACK ON MY ACCOUNT AS A CREDIT.. I CALLED HSBC ON XX/XX/XXXX AND THEY ADVISED THEY WOULD CALL BACK. I HAVE BEEN HUNG UP NUMEROUS TIMES AND NOBODY CALLED ME BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS WAS AN XXXX XXXX  PHONE THAT HAD INACCURATE INFORMATION STATING THAT THERE WAS A BALANCE IN WHICH THERE WAS NOTHING OWN ON THE PASS OLD ACCOUNT, IN WHICH WAS A XXXX BALANCE, THIS CREDIT COMPANY HAS HARASS ME WITH FALSE INFORMATION.COMPANY NAME IS SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX PHONE NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX, on XX/XX/2021. 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 an account without my written instruction.

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