BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill from XXXX in the amount of {$120.00} in XXXX of XXXX for a " missed appointment '' fee. However, I did not miss any appointments. I attempted to contact XXXX  via telephone in XXXXXXXX XXXX  XXXX and also in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with NO RESPONSE from them. 

I received a collection notice from Merchants ' Credit Guide Company on XX/XX/XXXX for the amount of {$120.00}. I completed the dispute portion of the collection notice and returned via US mail on XX/XX/XXXX. In addition, I sent a detailed request for verification of debt and dispute of debt to Merchants ' Credit Guide Company dated XX/XX/XXXX. 

I requested the verification and submitted my dispute, again NO RESPONSE. I received an alert on XX/XX/XXXX that I have an account in collections on my credit report from Merchants ' Credit Guide Company in the amount of {$120.00}. 

I never heard back from XXXX and I never received a response from Merchants ' Credit Guide Company regarding the verification of debt and dispute I submitted via USPS on XX/XX/XXXX. 

The fact is I have showed for every appointment, I do not owe this amount of money to XXXX, and this is an obvious billing error that no one will respond to me to correct the issue. Merchants ' Credit Guide Company ignored my request for Verification and Dispute. 

I maintain nearly an 800 FICO score, I pay my debts that I owe on time, I do not allow accounts to go into collection, and I have been a customer of XXXX for nearly 5 years without instance. 

I request that Merchants ' Credit Guide Company respond to my verification of debt and dispute letter with the information requested, including and signed agreement for the debt obligation which is the subject matter of this dispute, an explanation of how this amount was calculated, proof that the debt is mine, and proof that I did not show up for the scheduled appointment at a minimum. 

I know Merchants ' Credit Guide Company received my letter of dispute and verification of debt request because of the note that was placed on my credit report. Disputed/ FCRA compliant. 

I don't have issue with paying debt that I owe, but this is not my debt. If it was my debt, would it be logical that I would let a {$120.00} bill negatively impact my credit? No! This is a perfect example of Merchants ' Credit Guide Company parking debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # has violated my rights. 

15 USC 1681 section 602 A. 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 an account with my written instructions.

15 USC 1681c ( a ) ( 4 ) 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 more than seven years.

15 USC 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 2023-03-24
Company: EQUIFAX, INC.
State: IA
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 an old credit card with XXXX XXXX XXXX that was opened in XX/XX/XXXX and marked as charged off in XX/XX/XXXX. My credit report is still showing that there are late payments as of XX/XX/XXXX. There is a 90 day late payment being reported to Equifax in XX/XX/XXXX and a 90 late payment being reported to XXXX in XX/XX/XXXX. I called XXXX XXXX XXXX and they will not remove any late payments from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX. XXXX? XXXX & XXXX XXXX : Account XXXX. is XXXX ( {$780.00} ) 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 explanation
Consumer complaint received 2023-03-24
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:
I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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 2023-03-24
Company: Emergent Business Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023 I received a phone call from Emergent Servicing regarding a debt that I did not recognize. I spoke with XXXX, upon attempting to tell her I did not know this debt she began to tell me that they emailed me and started rattling off several dates and an email that I do not use. I asked her how old this debt was? she replied that it was from XXXX somewhere in that time frame. She then violated the FDCPA by telling me she was giving me a chance to " voluntarily pay it '' which of course unless you intent to take legal action or have the ability to do so, this is a violation of the FDCPA. When I told her I was not paying something I did not have knowledge of she began to use abusive language towards me such as " you're just mad because you got yourself in debt and don't want to pay your bill '', she also told me she gave me a chance to talk ( which she didn't ) and she was talking now. She was yelling over me, insulting me and my intelligence and using rude and abusive tactics all because I did not agree to pay a bill I know nothing about. I advised her to Cease and Desist at this point because she was continuing to yell over me in which she completely ignored! I asked to speak with a supervisor or manager she refused and continued to yell. I had to end the call due to this. I did call back and speak with a nice gentleman named XXXX, he apologized for the behavior and agreed to remove my phone number and review the collection call. I would like for this company to be looked into for their abusive tactics, if they are doing this to me they are doing this to others that may not be so educated in debt collection laws.

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 2023-03-24
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:
I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 around XXXX I opened a checking & savings account with capital one. I transferred {$100.00} into savings + {$20.00} into checking. When transferring the money, they stated that my money would be available in 1 to 2 days max. I called capital one today ( XX/XX/2023 ) at about XXXXXXXX XXXX to close my account. When I said I wanted to close the account, I was informed that my funds were frozen because they had to verify that the funds are actually there. Come again? 

They only froze my money after I said I wanted to close my account. I was then told that I have to wait a WEEK and contact them next Thursday to close the account and get a check with my funds. Unethical and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: VA
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:
Called Equifax today XX/XX/23 and spoke to the fraud department. My first call was to XXXX who stated regarding confirmation number XXXX, that the information I disputed was verified by the creditor. I asked how the information was verified and was basically told the information was verified by hearsay. Equifax was not able to supply any documentation that validated the debt they are reporting on my credit file. 

I called back to check to see if ANY documentation was supplied on any of my six disputes. I spoke to XXXX who wanted to confirm my address ( which is not correct by the way and probably part of the reason for the fraudulent information ). He proceeded to go through each dispute and advised me that the information was verified by the creditors, again with no documentation. 1 creditor ( XXXX XXXX ) is listed on my report 3 times for 3 different accounts. Two of those accounts I'm getting calls from a different creditor about, so there is no way these accounts are being verified. 

Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Consumer Reporting Agencies bear the responsibility to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX when preparing to buy my first house, I discovered that my estranged father fraudulently opened a credit Bank of America credit card listing me as a co-borrower without my knowledge or consent ( or BoA made an error ) in XX/XX/XXXX when I was a minor ( age XXXX ). He has continued to use this card with me as a co-borrower, and it is now maxed out at $ XXXX. 

I have attached the XXXX dispute XXXX " resolution '' letter ; I could not find or obtain copies from the other two bureaus. I have also filed the attached FTC Identity Theft report XXXX. I have attached CFPB complaint XXXX against Bank of America where they just closed the complaint, told the CFPB not to give me any details on BoA 's " resolution '', and then failed to respond to my complaint at all for over three weeks. It was not until today when the BoA XXXX department put me in contact with the XXXX department that I learned that BoA refused to take me off the card despite the fraudulent origins.

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 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
MasterCard ( Savor Card ) ; issued by Capital One Bank. This card has a {$500.00} credit limit. On XX/XX/XXXX the cardholder submitted purchase Dispute / Claim ( # XXXX ) against Merchant for {$150.00}. Capital One Card Protection services within Card Investigations are ( an offshore call center ). Capital One does not provide a direct line of communication within back office decision makers referencing consumers complaints nor does it provide direct access in order to dispute 'MasterCard decisions '' when it comes to consumers line of credit, transaction disputes, and providing adequate digital forms of communication. Cardholders with legitimate disputes are regarded as low priority compared to 'fraudulent claims ''. Capital One offshore disputes and resolutions services are inadequate and counterproductive in solving legitimate consumer claims. The process is level 1 or level 2 in terms of resolutions. Given Capital One has an arcane version of communication, there seems to be no real relief to cardholders nor does it mean positive outcomes. In the Case Dispute as mentioned above ; Capital One, opted to provide a provisional credit for a period of ( 10 ) days back to the cardholder ; however reversed the credit back to the cardholder, when they received a letter from the Merchant 's Terms and Conditions and its buyer Policy. Capital One didn't investigate the dispute, didn't request Merchant to provide proof of services, nor proof of refund if any. Cardholders are left to spend hours to clear up 'bogus purchases ' taken by illegitimate merchants, scam merchants, merchants who provide high-resolution advertising and seduce consumers to make purchases for services that will not come to fruition. MasterCard card services must investigate thoroughly those purchases made by merchants who seduce, entrap, falsify, scam consumers by means of credit card transactions via online. In this case Capital One didn't resolve the dispute nor provided cardholder with positive outcome ; instead charged cardholder back the amount and didn't accept cardholder 's documents nor explanation.

The purchase made by the cardholder to receive services by the Merchant were bogus ; cardholder didn't receive goods or services ; instead received documents from the merchant stating a refund would be applied back to the card ; and later advised a paper check would be mailed since XX/XX/XXXX. XXXX has exhausted attempts to work with Capital One ; each time the call center and/or provide insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: GA
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 were fraudulent unauthorized charges made in XXXX account, XXXX, XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX The spoke with someone at FTC identity theft department and was provided with a report. These charges were accumulated while I was in the hospital under XXXX and receiving XXXX. I was not able to make charges if I was on XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX  XXXX located in XXXX, GA they thought I wasnt going to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During a transfer of our mortgage from XXXX XXXX Mortgage to Mr. Cooper a charge of {$600.00} was placed against our mortgage as an Escrow charge. We filed a complaint and Mr. Cooper acknowledged it should have not been charged to us. We made two payments towards that amount that should have BOTH been credited to our principal balance if that charge had been vacated from our loan. Only one payment of {$50.00} has been applied to our principal balance. The other was applied to the {$600.00} to bring the false charge amount to {$550.00} and that charge is STILL being imposed against our loan. Mr. Cooper did in fact, vacate it from XXXX as they stated in our prior complaint 's response, but it is still there in the amount of {$550.00}. It has simply been moved from XXXX charged first on XXXX to " other '' as a lender paid adjustment. No, this is not a credit to our loan but a charge as credits and payments are shown without parentheses and payment reversals and charges are shown in parentheses on the attached form. All Mr. Cooper has done is move the false charge around like a shell game. In addition, despite a TIL request for what the charge was actually for, we have never been given an explanation. A representative from Mr. Cooper has called every few days to see if the 2nd payment of {$50.00} has been applied to our principal but will not acknowledge the {$550.00} still being charged to our loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Issue I was over billed {$870.00} dollars. I prepaid the full amount in XX/XX/XXXX and had a XXXX  balance. The auto pay charged me {$870.00} out of my checking account. 
I called on XX/XX/XXXX and they said it can take up to 10 days to get a refund. I called them on XX/XX/XXXX and still pending the refund. This has never happened with another credit card company. The account shows a negative balance and I included a screen shot to this case ( Negative balance.png and amounts.png ) Negative balance XX/XX/XXXX XXXX transaction for Transaction date : XXXX ELECTRONIC PAYMENT Type Payment - {$870.00} - {$870.00} Expand transaction for Transaction date : XX/XX/XXXX XXXX  ELECTRONIC PAYMENT XXXX Balance XX/XX/XXXX XXXX transaction for Transaction date : XXXX ELECTRONIC PAYMENT Type Payment - {$870.00} {$0.00} Date Amount - {$870.00} BANK OF AMERICA - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: PR
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'm a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked Experian to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called XXXX to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.

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