BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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 is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$780.00} XXXX, XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX 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 2021-01-04
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had medical procedure done at the XXXX XXXX XXXX XXXX which is In XXXX XXXX covered 100 % by my medical insurance. 
Before procedure I have obtained, as required, referral from my medical group and follow all required by my insurance instructions. My insurance coverage is 100 % with no co-payment. 
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX did not follow procedure and claim was never submitted to my medical group. My medical group has no record of this claim. 
I informed both, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the collection agency ( Merchants Credit Guide Co. ) to submit properly the claim to my medical group or send me the denial note so I can follow up with them. 
For any unpaid bills, they should contact my XXXX XXXX directly. I already sent multiple times front and back of my insurance card ( XXXXXXXX XXXX XXXX XXXX  tel # XXXX ).

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 2021-08-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I try to get my free credit report on XXXX XXXX XXXX I have no problem with XXXX  and XXXX, but Experian says there is some error preventing them from letting me see my report. This has happened to me before. It is only Experian that I have this problem with. If it is federal law to provide me with a credit report from that website, then Experian is VIOLATING FEDERAL LAW by giving some random excuse as to why I can not get access to my own information. 

It seems that the company wants people to go directly to their website and sign an agreement to view my credit report that might be shady in nature. Why can't I simply get my own information from the proper channel? Why do they try to get me to use their website and sign an agreement with legal terms that I shouldn't have to even consider, just to see my information? It seems that Experian uses tactics that mimic the frauds that are ruining peoples credit and pushing them to a website to 'give away ' their 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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I contacted Transunion regarding the billing error on my account with XXXX XXXX, XXXX XXXX credit card, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. Transunion continues to furnish this innacurate alleged information. I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX, XXXX, XXXX  XXXX and XXXX XXXX  is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. On XX/XX/XXXX I called Transunion to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.

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 2019-08-23
Company: AMERICAN EXPRESS COMPANY
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:
{$210.00} was taken from my account for purchases I did not authorized I didnt realize my account funds were negative until I try to pay a bill and my card declined on XX/XX/2019 I called my bank to report and cancel card I filed a policereport and a identity theft complaint with the ftc I submitted my documents to American Express serve XXXX XXXX and they credited one charge for {$36.00} but denied any credit to my account with no explanation why when I call the fraud team the agent could not explain reason and transfer me to the regular customer service line that does not offer help with fraud I'm very frustrated I filed all legal documents and I'm denied my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX  XXXX, Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : $ {$15000.00} "

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 2020-02-19
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:
Experian is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.

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 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with Bank of America and it was closed at the bank 's discretion. I had my bank card and information stolen and apparently someone ( unknown ) tried to deposit a check into my account. I went through at least 3 months of agony with BOA trying to get a status of a investigation they advised they were doing and also trying to retrieve the funds that I knew I had in the account. I always got the run around and would always get transferred from one department to another. Nothing was never resolved and I heard back from anyone. I ordered my XXXX report and I seen BOA reported on there. I reached out to BOA and they advised there was a check deposited on XX/XX/2019 for {$300.00}. I was never aware before now of the date or amount of anything. All I know is that my account was closed and now I have a suspected fraud activity on my report and I am trying to dispute and clear my name. I have never had this occur before and I was baffled when a BOA agent told me there was never an investigation done. Why? Why slander my name? Please assist so I can move forward from all of this. Thank you! 

P.S. I tried calling BOA 3-4 times on XXXX and prior dates and I couldn't get not one answer about what I can do because I was hung up on and it seemed accidental but no one even tried to call me back and I was getting the run around yet again and being transferred between 2 different departments whom both stated they don't assist with my issue.

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 2023-06-05
Company: Concord Servicing Corporation
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Sophisticated Phishing Scam Beware XXXX XXXXXXXX XXXX and/or XXXXXXXX XXXX XXXX XXXX XX/XX/2020 we co-signed a college student loan for a very responsible young man, the son of close friends. We have known this man 's parents since before he was born. In XXXX we received letter from XXXX XXXX XXXX in XXXX AZ confirming " per our request '' that the account was paid in full. The letter directed us to a website XXXX and a phone # XXXX. Neither of these are legitimate. XXXX XXXX XXXX is not the servicer of the loan. Our student has consistently made all his payments but there is a considerable outstanding balance on the loan. This letter is a phishing scam to lure us into responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
A credit was issued to my Credit Card by XXXX for a subscription, I cancelled. To give a little background information, on XX/XX/2020 I tried a trial offer for XXXX XXXX XXXX. However, I cancelled it on the same day. When I contacted XXXX, they said that I was responsible because of a previous trial I accepted in the past. Thus, {$64.00} was charged to my Capital One Account on XX/XX/2020 and I paid that amount. However, on XX/XX/2020, I was charged again for {$64.00}. I wrote an email to XXXX and spoke with Capital One regarding this matter. XXXX responded to my email stating that an credit had been issued to my Capital One account. Capital One told me that I would not be charged by this merchant again in the future. When I saw the amount on my XX/XX/2020 and XX/XX/2020 statements, I called Capital One ; they said that the charge was not fraud and that they never received a credit from XXXX regarding the XX/XX/2020 charge and that I am responsible to pay the amount. On XX/XX/2020, I spoke with a manager at Capital One and he said that I was responsible for the bill and there was nothing that Capital One could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
Bridgecrest illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. 
They need to remove their fraudulent reporting from my XXXX and XXXX credit reports. XXXX has already deleted it from my credit history. 
They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner )

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 2023-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported my card stolen and disputed un authorized transactions .I reported I never received my card in mail.i filed police report like they asked me to.this has been going on for XXXX years and still pending.they have treated me like a criminal from the start .I 've made complaints and have done no good.i just want my money back that was stolen from me during the pandemic.bank of America has treated this like a joke from the start giving me no answers.

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 2020-02-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX of 2020 ( XX/XX/2020 ) the amount of {$890.00} was stolen from my Fifth Third Bank XXXX account and force it into a negative balance. On that same day I immediately notified Fifth Third bank of the theft and the bank agents refused to adjust the account and disconnected the call without submitting a dispute. On XX/XX/2020 ( XX/XX/2020 ) I deposited {$2000.00} to restore the account from a negative balance to avoid charges, leaving the account with a {$100.00} balance after posted transactions. Again on XX/XX/2020 ( XX/XX/2020 ) another theft of {$540.00} from XXXX XXXX XXXX company forced my account into a negative balance due to undisclosed banking activity and improper ledger book entries. I notified Fifth Third bank agents and dispute department again on XX/XX/XXXX of 2020 XXXX ) faxing to them proof of the theft by XXXX XXXX XXXX to show the improper adjustments in my account sending the account into a negative balance. I received no assistance in identifying these irregularities. Fifth Third Bank has failed to disclose to me that their contract agreements with Visa and Master Card allows vendors to access my account activity and alter my transaction history of pending and posted transactions in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: NY
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine, nor do I know whom it belongs to. 

I.C. SYSTEM, INC keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX Amount : {$280.00} Collection opened : XX/XX/2019 Account number : XXXX hanks for your help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Saturday, XX/XX/2022 at XXXX a.m. I received a call from XXXX XXXX # XXXX an agent from Portfolio Recovery XXXX. During the call XXXX XXXX stated that this is another of several attempts to collect a debt. Then XXXX XXXX proceeded to violate 15 U.S.C. 1692 ( b ) ( 2 ), 15 U.S.C. 1692 ( d ) ( 1 ), ( 2 ), ( 5 ), 15 U.S.C. 1692 ( e ) ( 10 ) and 18 U.S.C. 894. I called back to express to her manager XXXX XXXX XXXX # XXXX, that his empolyee violated my rights as a consumer and he states that the alleged debt had not been validated and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This Company i, e, Wellsfargo Charged Me {$400000.00} To Bring My Account Current in The Past & They Charge Me Money Every Year For Having Escrow Low Due To Their Calculations! I Feel It was Illegal to Charge Me {$400000.00} Without Me being Able To Bring My Account Current In The Past! I want To Know If I Am Due Monies For Past & Present Charges! Due To The current Settlement!

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 2023-03-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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