BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to file a complaint against the XXXX XXXX XXXX, ( XXXX ) XXXX On or about the XXXX day of XXXX I called this 3rd party collection agency to attempt to set up a fair payment plan. They declined and said they wanted the amount of {$XXXX} paid in full. This is affecting me by a hold on my SD Driver 's License. I explained I did not have XXXX XXXX dollars, I 'm on government assistants presently because of absent father 's to my XXXX children. I was redirected to the original collection agency XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I called the XXXX and spoke to an agent but was again redirected to the 3rd party collection agency, XXXX XXXX XXXX. I 'm only trying to set up a monthly payment plan to start paying on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the XXXXederal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
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: Account status incorrect

Complaint:
All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: NV
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:
Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my equifax and XXXX report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: Bread Financial Holdings, Inc.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, XXXX @ XXXX I cancelled my XXXX  wholesale club membership {$XXXX}. On XXXX XXXX, XXXX I received an email from Comenity Capital Bank which manages the XXXX credit card, with a notice to pay {$XXXX} for a XXXX wholesale membership. I called Comenity on XXXX to advised them that I was no longer a XXXX member and should not have to pay for a new membership that was charged on XXXX XXXX, XXXX, 17 days before the expiration of the full membership. I spoke with two XXXX agents. I was told that they could not resolve the issue and the only way to fix the matter was by going to my local XXXX store to obtain a credit that would reflect on the credit card and as simple as that the issue would be resolved. On XXXX XXXX, I went to XXXX. They told me that they were not responsible for that charge. XXXX told me to contact Comenity. I left XXXX and called Comenity. I told Comenity that they gave me false information on how to fix the problem. They advised that I should wait 10 days to obtain a form in the mail to dispute the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I noticed a fraudulent transaction on my Bank of America account made on XX/XX/2021. The transaction was displayed as XXXX XXXX in the amount of {$850.00}. At the time I was teaching a class at XXXX XXXX University where I work as an adjunct professor. As soon as my class concluded I immediately logged on to my XXXX account. I saw that {$850.00} dollars had been charged for XXXX XXXX watches on my Bank of America account that was attached to XXXX, the address where they were to be delivered was even listed, an address I have no association with in XXXX Florida. I immediately contacted XXXX, XXXX customer service informed me that they believed my account had been compromised and suspended the account. They also informed me that I would need to contact my bank to report the fraud. Following this I immediately contacted Bank of America and reported the fraud. On XX/XX/2021 the funds were temporarily credited to me account. On XX/XX/2021 following an investigation I was informed by Bank of America that they would not pay the claim. I am now being treated as a criminal and forced to pay for goods that were purchased on my account fraudulently. This has placed my account in the negative XXXX days before XXXX while I am out of the country now with no means to cover even my daily expenses. Several cards associated with my XXXX account had numerous fraudulent charges and my claims were verified and refunded by other financial institutions. Bank of America has refused to reconsider their findings despite me providing them with evidence that the purchase was conducted by myself or anyone associated with me.

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 2022-07-07
Company: GOLDMAN SACHS BANK USA
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX was sold to Marcus. I called, and paid the amount in full and instructed them to close the account. They did not close the account and charged a {$2.00} fee. On XX/XX/XXXX they charged another XXXX fee and reported me 60 days late impacting my credit. After a card has been closed, they have no right to arbitrarily keep the account open and keep charging fees for no purpose. XXXX XXXX XXXX, Marcus by Goldman Sachs is scamming card holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Monterey Financial Services LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
company claims to represent a credit account that doesn't belong to me. The account is a result of identity theft. They are harming my credit report by saying I have an account in collections. They didn't even know my address or send me anything in the mail until after I disputed the transaction with a credit report company. I've disputed the account on my credit report but they are trying to scam me to get it removed from my credit report.

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 2017-08-18
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used without his consent to apply for several credit accounts. While the accounts were not established the fraudulent applications resulted in fraudulent inquiries on his credit reports. One of these was with Synchrony Bank ( Lowes ) while a dispute was sent and a clearance letter received of this inquiry however a credit report ordered XX/XX/XXXX showed the fraudulent inquiry from SYNCB/LOWES reported to XXXX credit bureau XX/XX/XXXX. This is a violation of the FCRA.

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 2017-08-18
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2015 I sent in writing to the apartment manager the request to vacate as the property was not safe and caused my husband to have a XXXX XXXX and went to the hospital We can provide medical bills if needed. We stayed in a hotel to recuperate from the heat and upon returning to the apartment to collect our belongings they had stolen our personal belongings and trashed the rest of our things. Then they sent us to collections for a bill we should not have been charged for in the amount of {$2200.00}. We requested the fix the air conditioner unit in the apartment many times during our lease term and they would only send maintenance up to clean the unit and it still would not cool the apartment. The electric bills doubled and I can provide those as well. Please find attached the email. I tried attempted several times to solve this matter directly with them and they refused. So we now have damaged credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Remex, Inc.
State: NJ
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I received a credit card offer from USAA for a USAA XXXX XXXX credit card with various temporary benefits. The offer was to expire on XX/XX/XXXX. On XX/XX/XXXX I applied online for the card. I received a call from USAA within the hour informing me that I had frozen my credit and would need to allow them access to XXXX in order to complete my application. I immediately obtained a one time pin number from XXXX allowing USAA access to the needed credit report. I called USAA and provided them with the pin number. On XXXX I received a denial online with the reason being an inability to obtain a credit report. On XX/XX/XXXX I obtained a 2 week lifting of my credit freeze from XXXX and attempted to reapply for the card. The offer was no longer available online, so I called USAA to reapply. The representative said she would look into the situation and called me back to inform me that once they had denied my application that offer was no longer available. I advised her that it seemed like an odd decision since the error was USAA 's. On XX/XX/XXXX I received a new offer online for the same card with the same benefits, but the offer was not available to me when I attempted to apply that same day.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: DE
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 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 XXXX : 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 2022-02-04
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: Account information incorrect

Complaint:
The following ( Equifax ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2022-01-07
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2019-11-26
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 never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Resurgent Capital Services L.P.
State: AK
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:
XXXXXXXX XXXX XXXX sold my account to Resurgent Capital Services. They harassed me and intimidated me into paying the balance owed, which a representative told me, after I paid in full the charged off status would be removed from my account. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: AZ
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:
EXPERIAN broke the law. As you can see in both documents attached I was denied for XXXX XXXX credit cards I applied for. Both denial letters stated that they denied me because the credit utilization on account that were furnished by EXPERIAN were too high. Pursuant to the XXXX, Credit Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Key word ASSUME. Because EXPERIAN assumed the role and reported information I never gave expressed written consent to be furnished on my credit report and file, I was denied credit that is my birthright to receive, violating XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXX and XXXX XXXX 's denials have caused my life much emotional, mental and financial stress. EXPERIAN has violated my rights as a federally protected consumer under 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 2022-02-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services has sent me over ten emails and mail stating that i owe them and i dont even know who this company is. I sent them a cease and desist asking them to vaidate the debt pursuant to 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: MA
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 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
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:
many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Big Picture Loans, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received multiple phone calls from company regarding documentation sent to their office with a case number & that they were to deliver documents to my home for legal action about a debt that is owed. ( They called and left voicemails on XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX. They also called my mother 's cell phone multiple times harassing her & trying to reach out to me. After I returned the call, I left a voicemail and someone named XXXX XXXX of XXXX XXXX XXXX returned my call. He stated that a loan was taken out in my name with Castle Payday Loans on XXXX XXXX, XXXX for {$1000.00}. He asked me to authorize my social security number and that they will pursue legal action if I refuse. He said I will be served papers at my place of residence between 3-5 pm today ( XXXX XXXX ). I have NEVER taken out a loan with Castle Payday, nor have I ever heard of or pursued a loan from this company.

Company response to consumer: Closed with explanation