BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates ( XXXX XXXX XXXX ) Amount XXXX Amount XXXX I went to see this doctor they advised me the date of the appointment they could not offer the services I needed so I left without seeing the doctor. I also had Insurannce that would have covered this. This is affecting my credit bad. I have disputed this with XXXX  and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: SC
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 have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a Experian Credit Report dated XX/XX/XXXX with a report number ( XXXX ). On this report it's reporting that XXXX XXXX XXXX XXXX accounts will be removed XX/XX/XXXX. I recently received another Experian Credit Report showing that these accounts will be removed 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-24
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Business Factor has a collection submitted from XXXX XXXX XXXX XXXX. I have paid all bills with XXXX XXXX. On XX/XX/20 I confirmed with XXXX at the XXXX XXXX Financial office that I have paid all bills with XXXX XXXX. National Business keeps increasing the amount owed every two weeks which is harassment over erroneous collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: CA
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:
Equifax is an freaking crook and they have stole my identity as a natural person and living being! Equifax has violated the FCRA law pursuant to congressional law 15 USC 1681-etc. I've attached an affidavit of truth! As of XX/XX/2021 they are violating the laws of congress and let the record reflect for the record and on the record it be made known.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
When in fact, American Express clearly listed negotiable instruments among the payment options in the customer agreement, American is in possession of multiple negotiable instruments made payable to American Express for over 10 days and did not credited the accounts of the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Guild Mortgage Company LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in accordance with the Fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) Is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as a late payment. 

I have dispute this inaccuracy since XXXX. Please remove negative remarks from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: MI
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:
Ive tried to mitigate this credit reporting problem with both Experian and XXXX  in a civil manner. They are inaccurately showing an unverified bankruptcy public record on my file. Ive disputed this record several times and received back the generic a third party ( XXXX ) have certified this is accurate/verified. Well I reached out to XXXX and disputed this public record with them and they were unable to verify it and removed it immediately! These credit reporting agencies have made my life a living 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 2020-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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:
Portfolio Recovery is reporting to my Experian report fraudulently. I have disputed a collection debt in the amount of {$460.00} and have not received any valid information for this debt. Since I last disputed in early XX/XX/2019, they have been reporting to my bureau report twice a month on the XXXX and the XXXX of each month every since. I feel that this is harrassment on their part especially since they are reporting this collection with a past due amount of {$460.00} which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NY
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX is reporting a closed account that hindering me to use my credit the account is credit strong

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed several items on transunion because the information being reported was incorrect and being reported differently on all three credit reporting agencies. 

I asked for this information to be verified and updated and they did not verify or update the incorrect information. 

They instead sent me back confirmation that they verified these items. 

I checked my credit report again and these items are still incorrect. 

i also asked them to update my name and address and employer and they have not. They have been sent my correct information with driver 's license, social security card, and utility bill with correct address and they refuse to delete the incorrect names, and addresses from my credit report.

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 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Amount : {$2000.00} Creditor : Capital One Transaction date : XX/XX/2019 Merchant : XXXX XXXX XXXX XXXX On XX/XX/2019 I was charged {$2000.00} for a hotel reservation that was canceled within the allowed grace period for a full refund. Capital One issued a temporary credit that was eventually rescinded without an explanation. 

I have attempted to resolve this issue with both the merchant and the card issuer. The merchant has directed me back to Capital One to resolve the matter. Capital One has never given me an explanation for this issue. I never stayed at this hotel not did I receive any services from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Returned a single item to XXXX XXXX XXXX XXXX for a {$410.00} credit to my XXXX debit bank card ( tied to my checking account ) from which the item was originally purchased. 

Debit Card was denied refund to receive a debit card " refund '' by XXXX XXXX Materials, so XXXX issued by way of same card a " credit refund '' to this same XXXX debit bank card tied to my checking account. 

This REFUND transaction was on XX/XX/23 ( Thursday ). On Friday I phoned bank and ask why the refund was being held up " in a PENDING '' status. Bank said because Merchant was holding fund- which was NOT true. Merchant paid on XX/XX/23 ( Thurs ). 

Merchant funds were released Thursday XX/XX/23 probably to XXXX. 

I believe XXXX alone and/or my Bank are holding funds. I called XXXX XX/XX/23 ( Monday, day XXXX holding my money ) and no XXXX agent exists to help and XXXX routes my call to my bank and bank says its been released from Merchant ( XXXX ) but can not release Pending status until they receive funds. XXXX is holding or not releasing funds and bank knows it and protects XXXX with their agents being gatekeeper. That agreement needs to change its a circus. Bank needs to provide my money since merchant was deducted on original transaction day XXXX days prior, XX/XX/23. XXXX is untouchable and protected by bank agents. XXXX agents have no control over this transaction they say and transfer you to your banking institition.

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 2023-12-09
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had called the credit card department several times arranging a payment arrangement they advised they can set it up for XXXX they said they deleted all the prior payments but did not infact the debited me on the wrong month to start my payments. I was in good faith they advised as long as. I keep this payment arrangement my account starting in XXXX would not be written off today I got an alert that my account was written off after Navy Federal assured me this would not happen the collections dept advised they put in the notes and I was fine so I trusted them on what they advised this was not the case and now my account had been written off Navy Federal did not send a letter of confirmation every time I would call no one remembers what they said nor are they accurate on assisting what they promised I only want my account to be put in good standing as they advised on several calls that I was ok and not to worry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I reset my password over the weekend and since then I have had my password reset several times on Monday and Tuesday. 

I am concerned because I have had issues in the past and this particular credit card is out of Ohio. 

The main credit card closed and I have no one to reach out to. 

XXXX Commenity Bank Additionally, the company was made aware of an address change and the company did not correct this for 9 months. This person at the old address could be using the information to obtain my login.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently reviewed my credit report and noticed that my mortgage had been listed as 30 days late on the dates below : XX/XX/2022, XX/XX/2022 and XX/XX/2022 I have experienced great difficulty with communication from the mortgage company as when they call me and I try to answer it is nothing but a dead phone line and I can not speak with them. Calling in to talk to a representative leads to multiple disconnects and trying to set up electronic payments through their website has had it's own difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: JPMORGAN CHASE & CO.
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:
There was an error with auto pay that caused the payment to be late. After having this card for over 3+ years and never having a late payment the reps were not willing to go the extra mile to get this issue resolved. For some reason, the same account that I have always used came back as invalid acct number and they do not consider this a bank error so therefore, my account history and loyalty meant absolutely nothing and based on protocol no one was willing to see what could be done instead the result was always what they could not do. 

XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation