BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
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 have been very active in trying to clear up this identity theft situation im in. i have sent in reports to the bureaus to no avail. there sill remains an inaccurate account on my reports. XXXX XXXX opened in XX/XX/2012 with a {$17000.00} balance is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Merchants' Credit Guide Company
State: IL
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:
On XX/XX/XXXX I filled a complaint demanding removal of this derogatory mark from my credit due to failure to notify and verification of this debt IM now submitting a new complaint as the mark still hasnt been removed nor has verification of this said debt been sent this is a complete violation of my rights as a consumer IM REQUESTING this mark from merchant credit guide be removed immediately from my credit or I will be moving forward with litigation surrounding this matter if it isnt handled expeditiously REMOVE ALL HISTORY AND ANY TRADE LINES SURROUNDING THIS UNVERIFIED ACCOUNT attached is my original complaint which still hasnt Been rectified! 


For the past XXXX weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said 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 2020-03-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020 - Attempted to access my online account with Experian and found that my online account was hijacked and linked to an unknown email address. 

Attempted to notify Experian but found that this was impossible online. Only by calling their corporate offices could I speak to an agent. Agent would not initiate fraud activity investigation and would only allow me to " reset '' account so I could access with my email and new password

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 2020-03-03
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX phone service for less than 2 weeks in XX/XX/XXXX. I cancelled it. XXXX said I have a XXXX  balance. One month later a collection agency sends an email to me stating that I owe them {$83.00}. I called the collection agency and they said they had no idea why I would have a bill. They told me to call XXXX. XXXX took several transfer calls to reach a manager. They said I have no bill and it will go away. So I called the collection agency and notified them that I spoke with XXXX and there is no balance. The next month comes and I receive another email bill. I did the same thing all over again. On XX/XX/XXXX I received an email from XXXX that I have a credit due back to me of {$15.00}. XX/XX/XXXX I received an email from the collection agency saying that I still owe the {$83.00}. So I called them again and they said it is a timing thing and there is no balance. I told them I have spoken with them over 4 times on the phone over the course of several months and I want to file a complaint. They would not give me their address. They said they will note my account that I am upset with them. The collection agency is MRS Associates of New Jersey is a trade name of MRS BPO, L.L.C. 
( XXXX ) XXXX. Please have them stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX, I spoke to CS Rep. XXXX XXXX from CBE Group. I explained to her that her agency is reporting false information on my credit reports. I have no knowledge of the account. Call lasted XXXX. I requested that this agency validate this debt with proof of contract and clear signatures that I owe CBE Group any obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Consolidated Recovery Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter approximately a month ago from Consolidated Recovery Group but XXXX XXXX It stated I owed Hard dept XXXX Fees XXXX XXXX dollors Interest of XX/XX/2022 XXXX The debit she says is from XXXX XXXX XXXX I have never used this company she asked me did I think I was a victim of identity theft and offered paper work I could fill out I didnt feel comfortable about that I called XXXX they told me they know nothing about this collection agency so I just blew it off Then two weeks latter she reported it to the credit companys I have an XXXX credit score that dropped XXXX points why would someone like me not pay a bill that low SCAm Consolidated Recovery also list an address that is a XXXX store I will report this with the police and go through all the XXXX paperwork to get this straightened out How do I know she is not the fraud She has all my social, tax Id and address I never received any letter at all to give me a chance to refute this This is criminal and I hope they get reported 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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a giftcard balance on my XXXX account using my debit card through Bank of America. The amount of the giftcard balance purchased to be added to my XXXX balance was {$1200.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.

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 2018-01-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The account was deleted and has been put back onto my account. As a result, I requested in XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX for Experian to furnish me a copy of the documents they have in their files to validate the disputed account for {$120.00} Date opened onXX/XX/XXXX. The account was a result of identity theft. I requested from the company a copy of the actual payment voucher ( From their banking institution ) and they could not furnish any such document ( s ). I requested once again for Experian to provide me with proof of payment as it states on my credit report and the CB has failed to furnish to date. I have sent 4 letters requesting to permanent delete the and the Experian has not responded to date with correspondence. 

NOTE* I have and still am a customer with the disputed account with no breaks in service for over 9 ( nines ) years.

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 2020-03-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a XXXX XXXX XXXX account on my credit report that does not belong to me. The only reason why I found out is that I was trying to co-sign for my daughter to buy a car at XXXX and I was unable to do so because of this account. I never opened it and I did not give anyone else permission to open this account on my behalf. I have no idea who opened this account using my personal information without my permission. I never made any payment towards this account nor did I get anything from it such as money, services or any other benefit. I filed a complaint with the CFPB, notified the company and filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2020, I called XXXX 's mortgage servicer Nationstar Mortgage LLC to bring to their attention the fact that the XXXX statement had incorrect sums and, more importantly, an incorrect loan balance ( it was off by {$1.00} + change ). I eventually had to speak to a manager, who confirmed that the loan balance was indeed wrong and that they would fix it. A few days later, they confirmed that they fixed it and invited me to download the updated payment activity log, which showed the correct numbers. Their debt collection website front page for my account, however, had switched to anticipating the next automatic payment in XXXX to indicating that the XXXX payment was still pending. I am on automatic payments, and my previous conversation with them was about the XXXX payment that WAS applied, so I figured that they still needed to fix their system. Today, XXXX XX/XX/2020, I was called by one of their representatives who indicated that I am now late for both the XXXX AND the XXXX payments. The representative told me that their automatic payment system is NOT broken, so why would he ask me to pay for XXXX and XXXX twice? I am now awaiting a call-back from one of their managers. In the meantime, I am reporting Nationstar 's practices because who can one really go to when no one oversees the people servicing your loan?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Genesis FS Card Services, 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: Their investigation did not fix an error on your report

Complaint:
I have sent 2 letters on XX/XX/XXXX and XX/XX/XXXX to Genesis FS Card Service regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO 30 day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. Genesis card services sends a letter saying they can't show favoritism and remove the 30 day late pay? Is Genesis Card Service aware that they are violating laws? 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a giftcard balance on my XXXX account using my debit card through Bank of America. The amount of the giftcard balance purchased to be added to my XXXX balance was {$1200.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.

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 2022-06-12
Company: Chime Financial Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tried to use XXXX  to receive a payment on XXXX for some snow tires I put on XXXX XXXX  They wanted a business account for the XXXX. And had to pay XXXX dollars and in order to get that money back, I'd have to refund them. 

They said they sent the XXXX twice and in order to get the money back I'd have to send another XXXX With chime banking pay anyone feature I sent them XXXX in total and never got the money back, I asked chime to help get my money back and they didn't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: IL
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 XXXXXXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$2300.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) A few years ago I decided to switch my service to a different cell phone company. I returned the phones and other equipment directly at a XXXX XXXXXXXX store and paid my final bill and their mandatory re-stocking fee. Once these payments were made the company then released my account so I could then move forward with the transfer of my phones to the new company. I was assured by the XXXX XXXXXXXX representative that the account was in good standing. Unfortunately, XXXX   XXXX did not honor their word. I had no idea that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the company and the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Purchased storm shutters on  XXXX / XXXX /  XXXX   from   XXXX   XXXX   XXXX   store located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Florida  XXXX . With  Wells Fargo cred it card. After purchase, there is a sign that says, " you will be loaded by staff ''! So I had no control of the loading procedure. My problem was that after I purchased the storm shutters in good faith, the loading crew switched my shutters with another persons shutters. Please be aware that shutters are purchased to fit a particular size window. None of the shutters they loaded me with fit my windows. I returned the next day to inform them of their mistake and I just wanted the shutters I had purchased. I was in formed that n  o manager was available to return the order. Then I was told that I would have to purchase new shutters and speak with a manager about a refund since it was the loaders fault for the mix-up.
I purchased a second set of shutters believing I would get a full refund for the mix-up. No manager responded to my calls as I live out of town and the shutters were for an investment property. I contacted Wells Fargo and they placed a temporarily   credit to the credit card. After some time they reversed the card saying it was a valid purchase and I had no claim because the merchant had signs posted that all sales are final. My argument with them was that I never received the merchandise I purchased, I received someone else shutters, therefore there was no final sale. They  ( Wells Fargo ) informed me  that  XXXX  would do an investigation but when I contacted  XXXX  they had no knowledge o f Wells Fargo ev er requesting a dispute on my behalf. I called  Wells Fargo ba ck and was told it could take up to 6 months for  XXXX  to complete their investigation. To this d ate Visa denies any correspondence from Wells Fargo and I have been double charged for an item I never received the first time that I paid for. Then I received a letter from Wells Fargo sa ying the credit That I received would be reversed causing me to pay for the loaders mix-up. They told me that this decision was final.

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 2020-03-03
Company: EQUIFAX, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding Company Name : XXXX XXXX  Account # XXXX Never removed still in my credit file : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response from Equifax : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXXCommenity Bank website has been down for almost 2 weeks. I cant log in or make a payment. Ive tried calling in to make a payment and received a message to call back multiple times, a couple times it gives me a menu to be able to make a payment but then it cant process the payment. I have gotten through once and supposedly processed the payment but it hasnt come through my account and when Im able to get through to a menu its not giving that payment information as the last payment and I cant get anyone on the line to talk to in order to see if the payment is going through or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, experian & XXXX but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with zero progress made to remove these inquires. 


Experian XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX EXPERIAN XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX & Experian XXXX XX/XX/2021 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 non-monetary relief
Consumer complaint received 2022-06-12
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 {$500.00} Zelle told me it was my banks issue and my bank doesnt do anything about a Zelle scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 Credit Reporting refuses to allow a consumer statement to be issued into the account disputing the entire charge from XXXX XXXX. Additionally the date that the XXXX XXXX account was closed was XX/XX/XXXX, and not XX/XX/XXXX. Furthermore the amount in dispute is smaller, and XXXX XXXX and/or Transunion have inflated the charges. The total amount disputed at the time of account closure was {$1900.00}. 

The amount was disputed because XXXX XXXX failed to protect me from charges resulting from faulty merchandise covered under a one year warranty. 

Previously I tried to submit the dispute online with Transunion, but their web portal won't allow a consumer statement. At my request, Transunion escalated the matter to a XXXX XXXX, supervisor of technical services, but XXXX advises that she is not willing to correct this problem, and that what I see is what I get.

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