BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following Hard inquiries were made on my credit : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In XX/XX/2018, I Applied credit Freeze to my XXXX and XXXX  accts  via XXXX XXXX I then Called XXXX cust service on XX/XX/XXXX to inquire as to why they were making inquiries on my credit They had no record of my name/address I then Checked XXXX XXXX for my credit report XX/XX/XXXX I Found that there was an account in collections that was attached to my credit Collection agency XXXX XXXX XXXX # XXXX ( acct ) Reported XX/XX/XXXX The information on the account : Acct : XXXX XXXX - {$1600.00} Client # XXXX Acct holder XXXX XXXX ( authorized user XXXX XXXX ) XXXX XXXX # XXXX, XXXX VA XXXX I do not know XXXX XXXX or XXXX XXXX - i do not have any connection to this address in XXXX, va - and I NEVER opened this account - I Explained situation ; ( XXXX XXXX @ XXXX ) advised me to call XXXX I then called XXXX cust serv XXXX XXXX advised I needed a police report or go to XXXX file a claim and email it ; Went to two police precincts neither were able to help ( no one in to handle this type of report ) Went online and filed claim and emailed to to XXXX XXXX XXXX. XXXX Filed claim of fraud with XXXX acct : XXXX spoke to XXXX XXXX @ XXXX stated the collection file was removed as of XXXX Now, as of XX/XX/XXXX SEQUIUM ASSET SOLUTION has placed an account for collections on my credit file - SAME PROBLEM -- Original creditor : XXXX XXXX {$1400.00} I tried to call SEQUIUM -- they say they can not help me - On XX/XX/XXXX, I received an email from XXXX XXXX ( REC DOCS ) stating that they had received the fraud packet, and assigning a customer ticket # - 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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, transunion, XXXX have reported incorrect information on my credit report that is not mines which are XXXX XXXX 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 2022-05-03
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 Account # XXXX this is NOT A MINE REMOVE FROM MY CREDIT REPORT! I have PROOF THAT this is a ERROR so remove asap! I will have to file with my attorney!

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 2020-10-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I was showing my grandson a game called XXXX XXXX XXXX  on my phone. He grabbed my phone and within seconds I had 6- charges of XXXX ea charged through XXXX XXXX to my PayPal account and out of my checking account. PayPal has refunded 2 of them but refuse to return the other 4. I am retired on XXXX and these charges expected amount is absurd. And to let 6 go through in seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 originally submitted a dispute letter to TransUnion dated XX/XX/2019, requesting validation for a collection from XXXX and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting TransUnion 's method of verification for the two collections, XXXX and XXXX XXXX, and a collection from XXXX XXXX, which I have disputed in the past. This letter was received by TransUnion on XX/XX/2019, at XXXX XXXX. TransUnion responded with a letter dated XX/XX/2019, verifying the XXXX XXXX   collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the XXXX and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.

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 2021-04-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Its has been a struggle, with this company getting my XXXX  refund back from Santander Consumer USA. XXXX  sent them a check back on XX/XX/2021. Ive been calling them around XXXX XXXX to see if they received the check. I called several different representative at this company even spoke with Managers never received a valid answer. Only XX/XX/2021 a rep informed me my check was sent out. I called back a week later the gentleman told me, he do not see a check in the amount of {$570.00} and hes not sure why the person told me that. So once I ended the call with him. I contacted XXXX to advance them of whats happen. XXXX informed me they cashed the check on XX/XX/XXXX, n gave me the check #. Rep has hung up on me when ask to speak with management ( XXXX ), also keep you on hold for 15 minutes without coming to check or give you a status on whats going on. Something need to be done with Santander Consumer USA. I still havent received nothing. Its even hard to get through once the account is paid off. This place should be closed down toooo many complaints on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$97.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-02-22
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ID Analytics, Inc.
State: FL
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:
Ive tried to contact Sagestream about my disputes to no avail. They never pick up the phone and I call at different times and leave messages over and over. They say will call within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: DISCOVER BANK
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was using XXXX XXXX  and a buyer wanted to buy my computer which I listed as {$1100.00} and said they would send the money through XXXX and wanted my name and email and I got a email from XXXX stating that I have reached my receiving limit and I needed to pay {$500.00} to make my account a business account so I did and got another email saying that the buyersent over {$500.00} on accident and I had to pay it back so I did and got scammed off of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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 Credit Reporting act XXXX Account JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-01-04
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:
TransUnion has been reporting false information on my credit report. Please refer to the attached documents.

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 2021-02-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Innovis
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I contacted Citibank to close my savings account. They said they would send the remaining balance ( about {$12000.00} ) by check to my house. They confirmed the address, which had not changed in 27 years. We never received the check. My parents are retired and someone is home almost XXXX, and we have a surveillance camera pointed at the mailbox. 

We have called every week for months, and they insist that they will send another check, but they never do. They tell us to call back in 2-3 days for a tracking number. We call, and they have no record of sending the check. They don't have a record of any check since XXXX. They have told us they will stop payment on the check from XXXX many times. Did they ever actually stop payment? Who knows. It seems not. 

It has been almost four months and we still have not received the money. The insist that we can not get it from the branch or any other way. They have stolen {$12000.00} from us and think that's totally fine. They will just keep " forgetting '' to send the check, or lose our request, and keep it forever. This money does not belong to them. It is theft, plain and simple. They say there is no one we can escalate to, and no other options.

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 2016-07-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
i was in XXXX california near XXXX in a hotel ( booked using my american express card ) when someone used my card to make fraudulent purchases in XXXX - 6 hours away at XXXX different XXXX stores in close proximity to each other. american express fraud '' investigation team '' determined that i made the purchases and suspended my account " due to a violation of member agreement section XXXX ''. i tried to resolve this issue with AM, to find out exactly how they came to the conclusion they did, namely how was i in XXXX places at once, but all i was given is rude dead end answers. i was told that there was no one i could speak to besides their " hotline manager - XXXX, who said he could not give me his last name. i was told by one lady that i could contact the customer care center and they may reopen my case but then XXXX said that was untrue, that there was nothing else that could be done for my situation ( all of this said on their " recorded line '' ). the worst of this is that i DID NOT MAKE THESE PURCHASES and its like these people do not care at all.they locked me out of my account, so i could not obtain any information regarding this. i am out a few hundred dollars and my only credit card up to this point.someone stole my information and used it and yet im the one they point the finger at and completely refuse to see the lunacy in their accusation..i am appalled that these people are able to continue doing business in this manner. if i have to go to court to resolve this, i will. if for nothing more than principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
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: Information belongs to someone else

Complaint:
Experian, XXXX, XXXX have reported incorrect information on my credit report that is not mines which are XXXX XXXX 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 2017-07-25
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 status incorrect

Complaint:
This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my Equifax nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/2019, the bank froze electronic account access to my two credit card accounts. While the bank has my email address and phone number, I did not receive notification ( I am setup to receive notification ). I was not delinquent or behind as of XX/XX/2019. Around XX/XX/2019, I logged onto bankofamerica.com and found that I could not access any information or submit payments. Instead, all I saw was a message requiring me to call the banks phone number. When I called, I was told to verify my identity by going to a physical bank branch. I was not given an option to make payments ( by mail or by phone ). At no point until XX/XX/XXXX did the bank notify me of any security concerns. When I asked for a timeline to visit a branch, the representative told me there was no due date. However, on XX/XX/2019, I received a notice stating that all accounts and authorized users were closed out. Subsequently, I received a collection letter for around {$70.00}. 
I allege that the banks restrictions on my accounts were illegal and unfair. The bank should have at least reinstated my access to its payments or account information page when I called to inquire about the account freeze. At the time, the bank had other methods of verifying my identity via text message, email, or phone. The banks requirement to travel to a physical location seems to be unusual and inconvenient. Also, the bank did not accept or offer other methods of payment. 
Second, the bank acted illegally and deceptively when it suggested there was not a deadline to visit a branch ( per the recorded phone conversation ). The bank 's actions also affected authorized users, not just myself.

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