BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that I had a collection on all my credit reports. I sent the company a debt validation letter in the beginning of XX/XX/XXXX. I have called them to see what the status. They keep telling me they are working on it. These people need to remove this entry from my credit reports ASAP.

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 2023-05-01
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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Account status incorrect

Complaint:
Please cease and desist all inaccurate reported information on closed account with external finance there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XX/XX/2020, I was notified by Capital One & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with Capital One in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX and Capital One, fraud alerts were placed on all 3 credit reports, and Capital One denied the application as fraud. 

XXXX immediately removed this hard pull from my account, but Capital One failed to remove the fraudulent hard pull from XXXX & XXXX. 

Since these are hard pulls, they negatively impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On at least six occasions this year, I have attempted to lift the temporary freeze on my account, encountering consistent difficulties due to inaccurate information that TransUnion has recorded. The security questions posed for unfreezing purposes bear no relevance to my personal details, encompassing erroneous data ranging from previous phone numbers and addresses to unfamiliar individuals. Despite numerous calls to rectify these issues, the impediments persist each time I endeavor to unfreeze my report, resulting in multiple instances where I've been denied credit. This has adversely affected my applications with XXXX five or six times and with XXXX XXXX on several occasions. 

My most recent contact with TransUnion occurred on Saturday, XXXX, where, as expected, I encountered challenges answering the security questions. Consequently, I requested the intervention of a supervisor, who was able to verify my identity. She assured me that the freeze would be temporarily lifted, allowing me to manage it independently moving forward. 

However, on XXXX, when I applied for credit once again, I faced a recurrence of the same issue. The online system indicated that it would send a code to my email, which, as usual, I did not receive. Regrettably, this has led to yet another missed opportunity in my credit application. It is imperative that TransUnion be held accountable for the profound impact these recurring issues have on individuals ' lives.

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 2023-05-01
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: PA
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 account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( 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. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

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 2019-07-12
Company: Synovus Bank
State: GA
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 customer service

Complaint:
I secured a First Progress MasterCard issued by Synovus Bank XX/XX/XXXX and never missed a payment. I made my last payment in XX/XX/XXXX and called to close my account. Since this was a secured credit card the difference between what I owed and my initial deposit resulted in a credit balance just over {$70.00}. Since this time ( nearly two months ) I have not received my check of over {$70.00} even though online the account is rendered closed. I called recently to inquire about the hold up of my funds, the customer service rep informs me it takes them 10 weeks after the close of the account to process my refund. When I asked why it takes so long to process my refund the only answer I received was its their policy. When asked would my money earn interest during those ten weeks, the response was no.

This is my first association with Synovus Bank although they have branches here in my hometown. I have several family members and friends who have checking and/or savings account with Synovus Bank because of their image of being a local bank and not part of a huge conglomerate and thereby would be more customers focused.

This is a marketing scheme and not true from my personal experience and here is why. During this same period, I also secured a credit card with a larger more established bank who issues the XXXX XXXX. Prior to me closing my account with Synovus, XXXX card wrote me a very nice letter stating they were changing the status of my XXXX card from secured to unsecured and refunding my initial deposit immediately since I was a good customer and never missed a payment, the same as my First Progress credit card. XXXX XXXX not only mailed me my refund within a week they also increased my credit limit to four times more than my initial deposit. Now XXXX XXXX from my viewpoint appreciates it customers and rewards them for their business and is more customer focused than profit driven. I really appreciate XXXX XXXX efforts and will continue to do business with them for several years to come. As for as Synovus, I dont agree with their 10 week wait policy for refunds without earning interest and will not do business with them nor any of their affiliations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: MECHANICS BANK
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Call was made to Mechanics Bank to inform that I would be making a payoff to complete the loan debt on XX/XX/23 and I was informed that not only would the account be noted but it would not be reported. Proceeded as such and made the payment online as I was instructed and informed that I can do without issue. 

Soon after I get a notification from my credit reporting application and when I checked it thats when I noticed my credit suffered a drastic hit albeit the debt was fully paid. I was hit for XXXX points at least. Called my contact to inform her of what happened and she was shocked to why it happened especially with my account showing paid in full and account was closed, yet at that time it was reported as 47 days late at the time and again hit my credit report. She advised that a supervisor would contact me which never happened. 

This led to yet an email to customer service and a cc : to the CEO including documentation showing and establishing that I held my end of the bargain and needed my title finally released. No response so I called back after a few days ( it was actually last week to the day on XX/XX/23 when the customer service rep informed me that the title was finally set up for processing to be mailed out on XX/XX/23 but couldnt provide me the documentation then said that XXXX XXXX a higher level employee than this tier 1 worker ) informed me and worked with me personally to the point that I had her direct line shouldnt have. This is wrong because of past agreements Ive had in the past with them but suddenly no documentation was available. I expressed my concern and stated that even with the payment done on XX/XX/23 and it is on record that I was dinged for making a full payoff but not rewarded for my debt being settled on my credit report because Mechanics Bank clearly didnt report it correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable

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 2023-11-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hey Ive contacted you guys about this account before be cause it was fraudulent it was through XXXX  XXXX at first and you guys helped out removing it. But they sold it to a company called LVNV FUNDING LLC and the total on that account is XXXX $ an the date it was open was XX/XX/2023 thats false because you guys had it removed before that date and I talked to credit experts and they say they are known for suing people so I don't want to get sued for debt that's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am the executor and trustee of my mother 's estate. She passed away on XX/XX/2022. I immediately notified the estates department of Bank of America, who opened a case. My mother had multiple accounts, some with pay on death beneficiaries. After a minimum of XXXX ( XXXX ) personal visits to the bank ( which resulted in multiple mistakes by the bank staff personal bankers assigned to assist me ) I was able to receive funds from all but XXXX account. This account had no pay on death clause. I have also called the estate department no less than a dozen times to follow up only to find that their bank staff had botched something yet again. Yesterday, I was advised by XXXX that all of my forms were received and APPROVED ( after a lengthy delay due to " the holidays '' ). They have made many many excuses over this past 3 months. It is always " just this many more days ''. XXXX said that the account was closed but that the transfer to me had not gone through yet ( was " processing '' ). So today I called estate services and spoke to XXXX who acknowledged that the forms were approved and the account closed but that the transfer would now take another XXXX business days ( no explanation ). I truly believe Bank of America trains staff to delay the transfer of funds purposefully. There really is no other explanation as to why I have done everything they asked and 3 months later I am still waiting! I am a FT professional and do not have hours and hours to spend wasting it on them. Needless to say, this has been an extremely frustrating experience.

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 2021-12-06
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE DEBT IS SHOWING ON MY CREDIT REPORT AS LVNV FUNDING. I HAVE NEVER HAD AN ACCOUNT WITH THEM. DEBT IS NOT MINES AND NEEDS TO BE REMOVED IMMEDIATELY. THE CREDITOR IS ALSO SHOWING THE NAME AS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Receivables Performance Management, LLC
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: Information belongs to someone else

Complaint:
This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) was opened in my name on XX/XX/2020 & I am reporting Fraud. I never opened an account in XXXX XXXX, CA. Someone stole my identity.

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 2020-05-26
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: Information belongs to someone else

Complaint:
For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was 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 explanation
Consumer complaint received 2023-11-16
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Per the SCRA ( Service Members Relief Act ) more specifically the Ohio Law ext 164 notes that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I am a Ohio resident and my place of entry into XXXX XXXX was Ohio.

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