BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( XXXX, Experian, and XXXX ) Remove All Fraud Alerts and Statements from my credit profile.

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Dear Bureau, After receiving a copy of my credit report with your company, I noticed some discrepancies concerning my personal information reporting. I would like to ask that you update the information provided by myself. I have provided as much information relating to my name, address, social security number. If for some reason, they are reporting anything different, that would mean it is reporting inaccurate and untruthful information and that would be violations of the FCRA. 
I know that you are required per the FCRA to record and report only accurate and up to date information in honor to be truthful. I would need you to correct any erroneous information that is not verified. 
Please have this information updated and corrected ASAP. Here is the information that should be reporting : XXXX XXXX. 
XXXX XXXX XXXX XXXX Virginia XXXX. 
My Social Security Number is XXXX My DOB is XXXX. 
For security reasons since my phone number is unpublished and private, I ask that you do not report my telephone number due to all these marketing and sales calls which are very annoying to say the least. 
Please mail me an updated credit report to the correct address listed within this letter. 
Sincerely, 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 2019-12-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a notice in the mail from Macy's indicating I have a past due amount on a Macy's XXXX XXXX card. I contacted Macy's credit card customer service and they told me that I have two Macy's credit cards. One that I am aware of (Macy's store card), and a separate Macy's XXXX XXXX   account that is different from the private store card I signed up for. Their explanation for opening this account in my name is that I did not respond to a promotion letter sent in the mail. They said "my non-response was taken as authorization". 

I do no recall ever receiving a letter about this, nor would I have agreed to this account.  I do not physically have this card, do not have access to this account, and never authorized opening a second credit account.

This account is fraudulent as it was opened without my authorization. After several attempts to resolve this with Macy's directly, I have not been successful. They are maintaining this account is valid and past due amounts and interest are owed. My credit score took a significant hit due to this situation.

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 2020-12-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management : I set up a payment plan to take money out of my card with routing and account number ; and I specifically told them to take it out on the specific date. They took the money out on a Sunday ; the day before I had money in the account ; and the amount did not go through ; They did this on their own accord because they are so greedy and ruthless ; they did not do what the client asked them to do. Since they did not get the payment ; I have a call from them everyday harrassment ; Monday through Sunday ; every day calls ; I answered one call and told them they could take the money out of the account I previously gave them ; and they told me I had to do the process all over again ; since they did not get the money off the card because they drafted the money too early ; they canceled the payment agreement altogether. Now I have to be on the telephone with them for at least an hour with their abusive collection tactics. They repeat themselves over and over again with a recording ; telling clients what they are doing over and over again. Each time they give me an Agent to work with me ; then when I call ; they say OH ; that Account Manager no longer handles your account. 

They have very abusive tactics and need to be reprimanded for what they do to their clients by repeated phone calls greed into customers payment plans. They always want a checking account and routing number to pull from your account ; No mail payment plans ; They are sharks or the XXXX I don't which one. 

Please assist in this devastating collection crew!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX  XXXX {$2200.00} DPT ED/XXXX   XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX  XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}

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 2022-05-13
Company: EQUIFAX, 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:
I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened paypal so that i be using it pay my bills,. I used it only XXXX times but later limited me from using it.. I Don't know why that happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Citi Double Cash mastercard. Per Citi, the interest rate for purchases is 15.995 %. I mistakenly underpaid my XXXX statement by {$20.00}. I was charged {$22.00} in interest for this {$20.00} mistake on my XXXX statement. I called Citi to ask about the {$22.00} interest charge and they pointed out my {$20.00} mistake and agreed to remove the interest charge. I also then immediately paid {$100.00} to the Citi account to cover the {$20.00} shortage, and to make sure that any interest would stop accruing. I also paid my XXXX statement in full a week later ( before the due date ), then also received a vendor refund for {$210.00} before the XXXX statement due date, effectively meaning that my credit card account was overpaid ( i.e. the combination of my payments and vendor refunds was more than I owed to Citi. ) Yet, in my XXXX card statement, Citi charged another {$63.00} in interest charges. Citi representatives say that this is additional interest accruing on the {$20.00} underpayment from XXXX ; the representative says that even if the account is paid in full, Citi continues to charge interest for at least two additional months!. Citi refused to remove this interest charge. By my math, the two interest charges amount to more than a 2,500 % interest rate on the {$20.00} underpayment ( vs the purported 15.995 %, plus Citi 's initial claim that they would remove the interest from my account as I made a small mistake. ) It is criminal and/or unethical that Citi 's interest charges amount to >2,500 % annual rates, and that Citi continues to accrue interest for at least two months even after the account is paid in full!

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 2017-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I placed {$1200.00} in my Bank of America credit card account. Bank of America reduced my credit limit by {$1000.00} and took {$1000.00} of the {$1200.00} fr from my account. The {$1200.00} was an attempt to lower the admittedly high balance and to begin resurrecting my credit. Not only is appropriating the funds unfair but it serves to further unsettle my credit standing. Furthermore, I am in fear that BOA may take money from checking account. I can not even close the account without realizing further credit penalties ( BOA is my longest opened account ). Finally, the credit report used was based upon inaccurate information. However, if it were accurate, lowering the credit limit and then appropriating funds can not be an ethical - even if legal - practice. Please return the {$1000.00}. 
I do not care if the credit limit is lowered ( in fact, that would mean smaller monthly payments ). I am employed ( XXXX ) and I receive social security. I work hard to maintain my credit. This action only serves to undermine my financial health and efforts to demonstrate credit worthiness. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: The CBE Group, Inc.
State: CA
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:
I started to receive live calls from people identifying themselves as CBE Collections. The stated my first and second surname and I confirmed that was part of my name ; however, I only go by my middle name and first surname. They asked if I lived at a specific address and if I ever had a XXXX account. I confirmed that neither applied to me and they had the wrong person. On a second call, I stated the same, directed them not to call and how it is that they obtained my landline given my number is not published. They said they would not call again. Now I am receiving robocalls instead, stating it is CBE Collections and that I need to call them back. 

As stated, they are attempting to collect a debt from someone who happens to have a name that it part of my name. I have been honest with them and directly instructed them not to call me again. 

The following number appeared on my called ID with a live caller XXXX and the robocalls are coming from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Harvard Collection Services placed a debt for {$660.00} for what appears to be a medical debt. I never received any notice of documentation that supports that I owe this debt. I'm asking to see and original contract & XXXX release form with my signature verifying this alleged debt. If they can not provide this debt, it shall be deleted from all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX I paid my CITI Bank credit card account in full, as I do every month. I signed up for paperless statements at that time. I did not charge anything on my CITI card until XXXX XXXX for {$36.00}. In early XXXX XXXX I received a phone call from CITI stating my account was over due. I had not received any notification that I had a balance due and they had charged me {$62.00} in late fees. Although I had been receiving email about my CITI Rewards account I had NOT received any regarding my CITI credit account. I spoke with 3 different people at CITI regarding a reversal of the late fees since I was not notified of a balance due per our agreement ( paperless statements ). XXXX the CITI manager stated her records showed that CITI sent me emails, BUT in XXXX they were returned as undeliverable so they would only reverse XXXX late charge. I never received ANY emails from CITI regarding my credit card account since I enrolled in paperless statements. I do n't believe CITI when they say, they were going to you and now they are n't but we sent them!! Now you owe CITI money. This is extortion. I feel it was CITI 's error in not sending me a bill and then charging late fees when the bill is not paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was told that I had to take out loans until my GI BILL started by the schools VA rep. The VA Rep miss handled my paper work for my GI bill and was n't turned in on time. I was told the school was accredited and I could transfer, that was not the case and was forced to finish my schooling. once I graduated I found out that I owed XXXX in student loans, which was the first XXXX that the VA rep never turned in paper work for. After years of going back and forth VA told me they could not go back and pay those loans even if it was school reps fault. By the time I went back to XXXX XXXX the VA rep had been fired and no longer there for the miss handling paper work and they could do nothing to help me at the time.

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 2015-11-15
Company: Conn's, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuous calls during the week and weekends. I get calls on Sunday morning even. I told them it 's not my debt and to stop harassing me and the calls continue. Calls are from Conn 's store debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
In XXXX of this year I logged into XXXX XXXX to make my car payment. the system was down to do so. They marked my credit for 30 days late ro crb. Refused to fix,

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 2020-04-14
Company: Novea Portfolio Management LLC
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX XXXX XXXX  and I called them back at XXXX XXXX  -- received a call from Novea Portfolio stating that they were going to take legal action against me. He stated that they would get a judgement against me. I informed them that the debt is being handled by XXXX XXXX XXXX and they stated were not legal representation and would not talk to them. The man then began to get angry, yelling at me, while I was trying to explain that we signed a Power of Attorney that gives XXXX XXXX to work on our behalf to resolve the debt. He hung up on me. ( phone number XXXX ) XX/XX/XXXX XXXX XXXX- I called Novea Portfolio back to try to give them the information for XXXX that the first guy would not take. I talked with a XXXX. He then proceeded to do the exact same as the first guy, yelling at me and threatening legal action. At this point he would not take the information and I hung up. ( phone number XXXX ) XX/XX/XXXX XXXX pm- XXXX XXXX me back from an XXXX number to which he told me they would be pursuing legal action against me. ( phone number XXXX ) This account has been with XXXX XXXX XXXX since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Privacy

Complaint:
I have received over XXXX calls from this time period just on my cell phone alone from Synchrony bank, including automated messages each time. I have received at least the same number of calls at my work number XXXX and XXXX as well as voice messages and I am not allowed to have phone calls of this nature at my work numbers and my cell phone number XXXX since I also use my cell phone for work purposes. I am requesting to not be contacted at either of these numbers. This company is violating the privacy policy as I have already requested them to remove these numbers and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, someone opened a XXXX XXXX credit card in my name with my information. 
I have disputed this debt twice successfully, and had it removed. 
Then Portfolio Recovery Associates bought the debt and when I disputed it for the 3rd time, they demanded I file another police report. 

I filed said police report, and just received a blatantly doctored credit card statement from them, which they are attempting to use as proof that the account was mine, and that the account was opened at a previous address at a much earlier date than the identity theft took place. Portfolio Recovery Associates state  that someone opened the account in XXXX of XXXX, I confirmed with XXXX XXXX themselves, and XXXX  XXXX states that the account was not opened until XXXX of XXXX. 

I am unable to open any credit cards as a result of this credit fraud, and now the debt collectors themselves are committing fraud in an attempt to collect a debt that was illegally opened with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have had a collection account for {$890.00} placed on my credit file for all XXXX credit bureaus for an account that I do not recognize. I have never received any correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax continues, to allow XXXX XXXX XXXX, to report in accurate information on my credit file. Which is a violation of the FCRA. XXXX XXXX XXXX has never notified Equifax that the account is being disputed, another violation of the FCRA. Equifax has also failed to do a proper investigation. Which is a violation of the FCRA. Equifax keeps stating the account has been investigated but they continue to send me the same credit report with the same account showing the same amount of late payments and adding new late payments. This Truck was repoed XX/XX/XXXX and is still reporting open on my credit file, everytime I dispute this account the company adds more late payments. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
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  sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX  XXXX XXXX  XXXX  XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and LVNV is appearing on my credit it is showing as a collection on XXXX and XXXX. Showing absolutely no information on XXXX. Inaccurately, reporting on XXXX as 120 days late. Collection on XXXX and again absolutely NO INFO on XXXX. Showing a past due balance on XXXX and XXXX. Shows credit history on XXXX as XXXX, and XXXX for XXXX and nothing on XXXX. How can all reporting to each of the credit bureaus be completely different? I would like this account to be completely Deleted from my credit report from each of the 3 major credit bureaus : XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation