BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXDate of inquiry : XXXX. The following account is not mineXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CREDICO. INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting calls from XXXX XXXX of Credit Collection Bureau, repeatedly calling up to 3+ in a row daily. I have received a letter in mail from XXXX on XX/XX/19 with a copy of old invoice that clearly states {$0.00} balance owed to XXXX XXXX XXXX in XXXX XXXX, CA. The balance was paid several months ago directly to XXXX XXXX XXXX. 

It should never have been given to any collections agency. Even a monkey could tell that the invoice they mailed reads {$0.00} balance. It is verifiable with a bank statement and directly can be confirmed with XXXX XXXX XXXX. The medical facility was paid in allocated time allowed before any debtor is notified. 

XXXX XXXX of Credit Collection Bureau is inflicting harassment with malicious intent. I have answered a call without speaking and she starts talking to me as if she knows me personally. Neglecting to state who she is or reason for calling. Then ends the call by saying I will trying again tomorrow, good bye. 

I am XXXX and feel this is violating not only FDCPA, but also my rights under ADA.  Providing no form of accessible communication to inform either company of the issue. Other then a phone number to call or to answer the annoying repeated phone calls. I can not speak clearly or for long on phones without pain because I have XXXX XXXX. The business, Credit Collection Bureau, and XXXX XXXX personally, is strongly in violation of FDCPA and ADA. 

In consideration of the several months time span between paying directly to XXXX XXXX XXXX the remaining balance on account and receiving letter from XXXX XXXX of Credit Collection Bureau. I am now suspicious that it is a scam to collect money from myself, potentially others that do not actually have a debt owed to any business. In the attempt to fraudulently collect funds already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-10-03
Company: BTH Management
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report.This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account 1. XXXX XXXX XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. The information on this account being furnished on my consumer report is inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2020-02-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Was behind in making payment got help and then start making my monthly payment and after three consecutive payments and reaching out to the CEO of the company my payments were sent back to 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 explanation
Consumer complaint received 2023-09-12
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have an auto loan with BMW USA. The send is through something called Alphera Financial Services. I urgently need a payoff quote so that I can pay the loan off and sell the car. The website has been down for days, I can not log into my account, and the telephone customer service number says that they are down for an unforeseen reason. So basically BMW, USA and its financing arm or both gone dark. I urgently need resolution to this, but can not contact anyone at either BMW USA or Alphera.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX MO ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I currently subcribe to Equifax Complete Premeir Plan where i am supposed to be able to update my report and score daily, but from    XXXX   XXXX  -    XXXX   XXXX   XXXX     I was unable to update my score and report and kept getting and error that it was unavailable. I repeatedly called to get help and was never able to access my report on my own. On   X/XX/17     a rep updated my report and told me that I would be able to from that point, but I was still unable to. I called  one  more time and kept getting push back from a rep saying that I was only supposed to refresh every 30 days and I kept trying to explain to her that was not how to he plan I had worked, until I finally had to request a supervisor who then tried to resolve the issue with no success. She Stated that she would put in a ticket. I was also not able to obtain my report using other reporting companies like privacy guard or credit karma. My Equifax file would never update or crossover. Finally on   X/XX/17     it updated on credit karma which it had not updated since    XXXX     , and all of my credit files were removed. I then tried to refresh on Equifax and still was unable to until about  XXXX  CST. And all my files there were removed as well except for  2  files. My files did not return until   X/X/17     when I updated my report, and then there were all these inquiries from  X/XX/17  XX/XX/17  that were not mine. I tried to resolve with Equifax to no avail. And they still ca n't tell me why my files were removed. They kept saying that I requested, or the creditor removed them, which makes no since. If I requested them removed and they removed them why place them back. And all of the creditors did not band together to remove at one time. Please remove all inquiries during this time of Equifax glitch. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: NV
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX  andXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
on XX/XX/23 i sent experian an inquiry into the some things i saw on my credit are not vaiid. They have ignored my attempts to resolve these issues and will not comply with what i know is right and is causing me financial hardships at the moment. I have been ignored by the agency and have sent multiple request.

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 2023-02-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I believe I am a victim of a scam or fraud by JP Morgan Chase bank. 

Chase bank offered me a credit card and I applied and was approved. The card comes with a {$550.00} fee which I was immediately charged. The card advertises numerous benefits. However, the bank has refused -- after 60 days, and 5 phone calls to customer service -- to honor the primary advertised benefit for which I decided to apply for the card. 

Here is a log of my attempts to contact Chase to request that they provide the benefit they advertised : XXXX XXXX -- clicked to activate Priority pass using my Chase account. They didn't. I never received the card in the mail nor any email notice. 

XXXX XXXX - Called chase. Said they'd activate it. They didn't. 

XX/XX/XXXX called Chase - Representative said she'd contact priority pass and that I should call back after 6 or more days to request to receive the actual card. 

XX/XX/XXXX called Chase back. Representative claimed nothing had been done and he needed to connect me with priority pass. But shortly after he transferred me, the call hung up. 

XX/XX/XXXX called again, 2hrs later. A representative repeated the same thing. This time when she transferred me to priority pass, the priority pass representative told me : " Chase transferred you because they don't wan na take responsibility. They know that only they can issue the membership. '' She instructed me to call the Chase Benefits administrator at XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX called the Chase benefits administrator. Representative informed me they are actually a third party and " the only thing you can do is to be connected back with Chase directly. They will have to resolve this on their end. '' As you can see, I believe I am the victim of some type of scam or fraud, as Chase has not only refused to offer the service advertised in exchange for the {$550.00} fee, but also Chase has refused, over 5 different occasions, to resolve the issue. 

Here is where the benefit is advertised, and where I applied for the card : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Recently I have been called in reference to a h s n account as well as haband account.

Immediately after coming from the doctor I called each comments XXXX  XXXX  and notified that I m  XXXX and have XXXX XXXX. No longer will I be able to afford these accounts. My account was XXXX. I still was asked to make payments. In other words, I was XXXX  and receiving social security XXXX. I explained I m due a refund and instead my account balances were sold as well as charged off. The name of the company that keeps calling me is dynamic recovery solutions. Trying to blood from a stone. Even with XXXX  XXXX  XXXX  I still have to repeat how unfair it is to keep harassing me for more money when I didnt even have it. Try going to XXXX XXXX XXXX for an XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and god knows what else by now, because even in Covid vitamin XXXX has been added to the list, most are not covered even co-pays are due or no medicine, I dont rhink XXXX XXXX XXXX understands that the reference numbers XXXX and XXXX are just a way to annoy me and agitate my condition. I gues acting as an Agent for dynamic recovery solutions LLc located at XXXX XXXX  , XXXX, XXXX, SC XXXX doesnt understand. 
Ive been given a cust service number is XXXX as well as XXXX or XXXX. I cant breathe but yet they keeps calling me. But when I receive the bill at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX its some kind of a misunderstand-ing. I even used my breathe in between using the XXXX and XXXX I dont have it! O -m-g. It just doesnt stop. They take turns. I gave them the social XXXX and even was honest I m sick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I need this information to be completely deleted from my history because it is not mine, it hurts me 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing.

First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.

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 2019-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2017 I contacted Capital One Bank to discuss investigating a payment that did not appear to have post to the account in question nor was the payment reflecting in the outstanding balance. The purpose of this payment was to bring the account to a zero balance. Capital One Bank, on two prior occasion mishandled payments that was sent to them but they quickly corrected their error after I contacted them and expressed my concerns. However, in this situation Capital One Bank was unable to find their mistake and left me without answers or resolution. Subsequently, being left without an explanation of their error or provided with a commitment to apply the payment and adjust the balance accordingly, I decided to ask that the account be audited and verified. Knowing a payment was made to Capital One Bank, which did not get credited to the account, but was kept by the Capital One Bank is disproportionate, unnerving and detrimental to all consumers whose objective is to repay their creditors. I have attempted to resolve this matter by contacting Capital One Bank on XX/XX/2017 requesting that the account be properly audited and verified. The response I received was nothing more than printed monthly statements which I believe only exacerbated the problem. The information provided by Capital One Bank did not provide a solution or root cause of the problem as an audit of the account would have provided which is what I requested. I wish to file a formal complaint against Capital One Bank as they continue to forcefully request that I pay monies to them and they have not provided proof to their claim of debt.

Company response to consumer: Closed with explanation