BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. 

My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX GRANT MERCANTILE AGENC XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} XXXX {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX GRANT MERCANTILE AGE XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: U.S. BANCORP
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:
We have a credit card that we don't normally use so we don't normally check it once my wife checked in with noticed a charge from a company in XXXX XXXX XXXX XXXX  XXXX SHE FOR {$110.00} contacted card member services they returned the credit but then reversed the credit saying that it had been too long after the charge occurred for reporting it gave us a case agent XXXX XXXX we tried to contact XXXX XXXX his voicemail was always full he would never return a message and then he denied our claim simply saying it has been too long since the original charge we had our lawyer write a letter and explain the circumstances to XXXX XXXX and asking him what the parameters were and the rules and he would not give any explanation other than it had been too long to file a claim so we took the advice of our lawyer and contacted this service The credit card is issued by US Bank Representative XXXX XXXX U.s. Bank cardmember services XXXX XXXX XXXX Case number # XXXX The charges occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  Provisional credit was issued XXXX XXXX XXXX XXXX XXXX has to have someone above him

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-04-21
Company: Sequium Asset Solutions, LLC
State: NC
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 received an XXXX alert yesterday that a collection had been reported on my credit report. I checked my report and saw that it is from a collection agency called Sequium Asset Solutions and originated from XXXX XXXX. I have an account with XXXX for cell phones, so I called them. My account is up to date and always paid on time. XXXX had no record of another account in my name. I tried contacting Sequium, but they had no record of an account in my name. I disputed with XXXX and the result was the account came back with my information. This has to be a case of fraud. I have had issues in the past two years with someone trying to open accounts at XXXX XXXX XXXXXXXX, but I was able to catch these and have them denied. I placed a fraud alert on my account last fall. It appears that this situation didn't generate a fraud alert since it wasn't a line of credit but cell phone service, I assume. I am not sure how to proceed other than to work with XXXX and try to figure out what is happening. My perfect credit is ruined because of someone else and I feel like I've been taken hostage. It's most distressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Trans Union had a case against them regarding their violations, and they continue to fraud people and violate the federal and state laws. As well as XXXX. 

Proof : https : //www.consumerfinance.gov/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 2020-04-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX we paid XXXX XXXX for a credit card collection which the originator was XXXX XXXX Bank. XXXX XXXX reported it on XX/XX/XXXX as paid and settled and it was suppose to be removed as settled. We sent a letter stating it was to be removed to Experian for a rescore and they refused to take it and opened up a dispute on our account and said they could not update until XXXX XXXX sent it to them. Experian representatives- 6 people refused to call XXXX XXXXr to update it and I emailed the COO XXXX XXXX that his people refused to call XXXX XXXX to update for us. 
XXXX XXXX states they get calls all the time and they even took our permission to put Experian on the account and they still refused. We are in a National Crisis and these people are not willing to help anyone. 

The amount of the settlement was less than the balance, that is not the issue. It is Experian refuses to help anyone correct their credit report during a mortgage loan 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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint pertains to Chase Bank. I have had accounts here for 20 years. Two weeks ago, the bank updated my primary address to my residence and made the mailbox address I've always used as the secondary address. Since then they have frozen all of my accounts " pending review. '' The banker at my branch has made written complaints within the internal bank communications system, but has been told that the " compliance '' department is reviewing this and that there is no means to reach that department. The purported reason for locking my accounts is that they need to verify that my name and residential address match my account profile, which three bankers have confirmed that it does. I have a substantial amount of money deposited here in checking accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Back on XX/XX/XXXX I went to a merchant in XXXX name XXXX  XXXX looking to get my Mobil phone fix they charge me {$220.00}, {$220.00}, {$120.00} to fix my Mobil However it was not fix it was damage more since I could not put in my sim card I when to the merchant and notify them of the issue they acknowledge the issue and I fill out a complain form which was sign and stamp by the merchant. They said they could not give me the credit for the service due to the fact that my credit card was from aboard USA so I dispute it with my back they gave me the credit then the said they send me a letter for more supporting document which I did not receive so they when ahead and give the merchant back they money for the bad service they gave me I call the bank to inquire why and they told me the case could be reopen and I should send supporting document which I did send back in XX/XX/XXXX they gave me the credit back in XX/XX/XXXX and then they took it back on XXXX XXXX I call they and ask the reason and they said because the time frame is up so I should go fight with the merchant

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24
Company: SYNCHRONY FINANCIAL
State: MO
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:
I APPLIED FOR AN SYNCB/XXXX STORE CREDIT CARD ON XX/XX/2019. I WAS UNDER THE IMPRESSION THAT THIS WAS A PRE-APPROVED SOFT INQUIRY CREDIT APPLICATION. WHEN I REALIZED THAT IT WAS A HARD INQUIRY AND THAT I WAS NOT IMPROVED, I ALSO RECEIVED AN ALERT FROM MY XXXX   XXXX ACCOUNT AND LEARNED THAT THIS EFFECTED MY CREDIT SCORE THAT I AM WORKING REALLY HARD TO IMPROVE. I DID TRY TO CALL A NUMBER PROVIDED FOR THE CARD COMPANY, BUT UNFORTUNATELY THE NICE LADY SAID IT WAS ALREADY OUT OF THEIR CONTROL. I WOULD NOT HAVE APPLIED IF I THOUGHT I WASN'T PRE-APPROVED. MY GOAL WAS TO HELP BUILD UP MY CREDIT SCORE BY MAKING PAYMENTS ON TIME WHILE ALSO PURCHASING A GIFT. I HAVE ALSO HAD A SIMILAR PROBLEM WITH AN ONLINE STORE/AUCTION SITE THAT I DID NOT REALIZE I HAD UNTIL CHECKING ON THIS SITUATION. I WOULD REALLY APPRECIATE ANY HELP THAT I CAN GET TO NOT LOWER MY CREDIT SCORE WITH THIS CONFUSING MISHAP. THANK YOU VERY MUCH!

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 2023-03-11
Company: EQUIFAX, INC.
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 situation occurs when I went to get my car approval, they pull up my credit record and it shows that my information is being mismatched with the same name person. I contact with Equifax and XXXX XXXX about this problem, I send them my documents whatever they required. I submit my dispute on XX/XX/2023 and its been over a month and still on progress on my dispute. I called them several time their representative told me that my file is still in progress and some of them said its done wait for the confirmation. According to there guidelines the dispute take 5-20 days. I call them and they keep telling me its done you will get the confirmation in next 48 hours, i heard this thing 2-3 times from them but still no any confirmation. My information is still incorrect, I still have someones student loan on my name, my address is wrong, my social insurance number is wrong. My whole credit file is incorrect and they didnt even touch my file yet. Why they keep their customers to wait for this much time, if they cant solve the problem in that particular time why dont they change their guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went to Bank of America located on XXXX XXXX XXXX XXXX ca, to cash a bank of america settlement check. I was denied because the check was {$5000.00}. I was told they only cash up to {$4000.00} for non-members. This was a Bank of america check. I was not asked to open up an account either. My sister who works for the FDIC formerly worked for the federal reserve said they were obligated to cash their own check.

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 2023-04-21
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment! 

Netcredit keeps responding back to me about my checking account XXXX. That is NOT the account that is tied to the netcredit line of credit! I NEVER RECEIVED THIS MONEY AND THE ACCOUNT ending in XXXX WAS CLOSED MONTHS AGO. They have stolen money and now say that I owe it to them! I can not get this issue resolved and they are not willing to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: KY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which do not belong to me or were opened without my permission.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-11
Company: EQUIFAX, INC.
State: MO
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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount due is reflecting different amounts for the same account on two different credit bureaus

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm 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

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 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been disputing with capitial one and conmuucating with capitial one they wony grant me a goodwill adjusment.

They say they report indsr the fsir credit report act but yet there is still innacurate information..

I requested capital one to send me a full investagation om what theu found but theu cant And according to FRCA 623 ( a ) ( 8 ) E and 16 CFT 660.4 they have to provide me what I asked for or delete from my credit report I do have phone recording of people from capitial one excutive team telling me they have a disoute team that handle duspute but we cant talk to them which vilotes my consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: AL
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:
This company account number XXXX violated my rights to privacy against the law. U.S.C 1681section 602 a. States that I have the right to privacy.

And also, U.S.C 1681Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions 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:
Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. They appear to be collection agencies and now my credit is ruined because of this.

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 2023-03-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft

Company response to consumer: Closed with explanation