BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, 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:
Hello, I have contacted XXXX several times to get these unknown credit inquires from my report because they are not accurate. I have been really nice to them explaining what happened and they were not willing to listen to me. I have explained to them that none of these companies have a credit application on file for me. My contact number is XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX, : XXXX XXXX XXXX  : Account # XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-21
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been dealing with IQ Data International for 4 years and have tried to settle the matter with the company. 

I worked for XXXX in 2018 and lived at one of their apartment communities. Due to a work conflict and an infected apartment with bugs, I was allowed to vacate the premises without owing a balance. I have provided documentation, i.e. emails from management stating I don't have a balance, to XXXX and the documentation was provided to IQ Data International and they refuse to accept my written correspondence. 

On XX/XX/XXXX, I spoke with XXXX from IQ Data International, and she advised me to go to XXXX XXXX, while she was on the phone, and apply for a loan to pay this outstanding debt. She took information from me to see whether I qualify for a hardship settlement due to my circumstances and placed me on hold. She returned back and advised me to go to XXXX XXXX  and apply for a loan for {$1800.00}, the debt is {$1400.00}. I explained to her my credit is not the best and I will not be approved, she insisted I apply. They are asking me to pay more than 20 % interest on top of the actual debt. I have no signed contract from the creditor stating I will be paying interest ; this is against the FDCPA. I have asked IQ Data to provide me with documentation from the creditor to show the stipulations, and they have refused to provide me with anything. 

After a few moments, I told her I do not owe this debt since I have written documentation from a manager. She stated I need documentation from the regional manager, which I did provide, and IQ Data is still refusing to accept any documentation and have this collection debt on my credit going on 4 years. 

This has caused me to find housing and tremendous hardship and qualifying for any credit and has impacted my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: First Federal Credit Control, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i had a claim on my collections report which I never received a bill from XX/XX/XXXX. They had billed the incorrect insurance. I was not aware it was on my collections until XX/XX/XXXX. I have sent several emails to the billing department including the eob with the payment information and the claims adjustor has sent the payment information including date of service, payment date and date payment was deposited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
id theft i submitted info and still no help. i sent info but no update guess i sue idk. but i got ahead in file with cfpb first.

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 2018-10-13
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
To whom it may concern, I have been in this dispute with American Express Serve for the last 10 months. The problem with the dispute is I accidentally placed a charged on the original dispute form that I put online on XX/XX/2017. The charge was from XXXX XXXX. I did not mean to put that charge on the original form that I did online. I did however correctly put the charges that I needed disputed on the paper form that I faxed to American Express. Due to all the confusion and miscommunication American Express is punishing me for a human error on my part. The amount that I would be disputing would be XXXX, I would like you to please look over my case and see if there is anything that you guys can do to help me with this I'll be submitting a police report a picture of the original form that I did buy paper fax. Any help that you can give on this case would be great. I hate that I have lost my money due to me putting accidentally the wrong charge on the online dispute form by mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
America first is marking accounts as past due when payments have been made each month on the credit card. Sometimes multiple payments in each month and it will still show Im past due. I have contacted the bank six months in a row with concerns because if I dont they will charge me a {$35.00} late fee if I fail to call and make them fix their mistake. I get paid once per month and pay all my bills immediately. If additional money remains I will make additional payments through the month. Regardless of when Im making these payments it is still coming up as past due. This is effecting my credit score with past due constantly showing on my account and definitely not okay when they keep telling me to just make my payments later in the month which allows them to collect more interest. I feel this is clearly theft from their customers and absolutely effects me and Im sure many others with this issue they are having in their systems not correctly updating payments. I do have screen shots of all my payments as well as the past due banners on my account that shouldnt be there at all. Including one showing the banner as well as the clear payment made within that month. Please contact me with any further questions you have regarding this situation and I will gladly answer them so that we can solve this for all America First customers since I can not possibly be the only one dealing with this. I question how many have been over charged the {$35.00} and dont even realize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CBC Companies, Inc.
State: MD
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:
Innovis is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 The creditor notified Equifax to remove the delinquent account due to the account being including in my bankruptcy. I have disputed this account numerous times. Equifax disputes shows its being report correctly. I have included a copy of my bankruptcy statement also verifying that the account was included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was notified by Bank of America 5 days ago my bank account was locked and funds were not accessible to me due them closing my account with out notifying me prior to this. I believe this was due to me making numerous disputes for funds against a contractor that I hired for a home project but did not complete the work. I then filed a police report against the contractor for funds lost and notified my bank I wanted to dispute payments made to him. I had to college the project with a different contractor causing me run low on funds and being unable to make payments to the home improvement loan I had acquired. I have now been almost forced to cancel all my claims so my bank can close my account and return my funds to me but they are now notifying me I will be over 30 days till they mail my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Consumer Portfolio Services, 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:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Application was denied due to not accepting official documentation from the government. The official documentation requested was 1 primary document in which I submitted an EIN Letter. The application was rejected so I submitted 2 primary documents an EIN Letter and Articles of Incorporation. Those documents were rejected also. They can not give me any information on why official documentation from the government was denied and rejected. I want the credit hit to my credit reports removed right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capitol One, accused me of depositing a suspicious check and has froze my account. And funds reflect on my account is incorrect. And should be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit card act of XXXX requires issuers place payment allocation to highest interest balance first. To my surprise Home depot has policy that if promotional balance expires 60 days, payment will apply on promotional balance first instead of highest balance first. I have document showing that promotional balance expires in XX/XX/XXXX, while I had purchase an item in early XXXX using credit card which subject to 29.99 % interest, then on XX/XX/XXXX, which is after my last billing cycle I paid more than the cost of the item I purchased few weeks earlier, guess what? That money paid off promotional balance fully leaving interest bearing balance alone forcing me either pay off the remainder of the balance or subject to interest charge in XX/XX/XXXX. 
This is not the first time, but repeated to the point I started to notice the pattern, I decided look up at their website, they have the page where debtors can rearrange promotional balance but none for interest bearing balance, I find this not justified and clear violation of Credit card act of 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 2022-11-29
Company: EQUIFAX, INC.
State: VA
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 asked Equifax multiple times to add an extended fraud alert on my credit files. However, when I looked at my credit reports today, only Equifax is still showing just a ONE year alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-15
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting Act. The List of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly. 
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 an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: COMMERCE BANK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
the commerce bank XXXX XXXX gives my account on XX/XX/2019 and onXXXX XXXX 2019 the account was emtied as a bank and as a bank invested in my bame without my permiddion here in the neterlands is that puneshable is the bank alowed to do so in usa is also prohibited for you? please help me i have documents if you have en e-mail adres? then i can send you documents XXXX. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: United We Collect, Inc.
State: FL
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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on UNITED WE COLLECT INC XXXXXXXXXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation