BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit card company close one of my credit cards because there was a security alert on my identity and they wanted me to send in my identification. This is in 2020 when the covid was fully just started and the only option they would give for me to send them my identification was to mail it through the post office I had just went on for a little at work, and I didn't want to go out and have to go stand in line at the post office. So they didn't give me any other option to send my identification and so therefore they close my account. It ruined my credit. And after a month I kept on complaining and trying to send them my identification finally they let me email it to them and everything was fine. Then they kept on sending letters and calling me and asking me to reopen my account but they already ruined my credit. So finally I let them open XXXX of my accounts because I had XXXX. So I let them open the one with the lowest credit limit which was a {$300.00} limit. They send me my new card and we're doing just fine I go to check my credit report and they're reporting the wrong credit card with the wrong account on there and the credit limit is a {$900.00} limit I complain about it and they do nothing about it I log on to my account online. and it's the right account online they're sending me the bill I'm paying the bill every month they're sending me the right bill but they're reporting the wrong account to the reporting agency. And continuing to ruin my credit saying I'm delinquent payment every month. and my problem is experien will not take it off they've been reporting it for XXXX  years. I have proof that they're reporting the wrong card I have a email from XX/XX/2020 saying I paid a {$250.00} payment and if you look on experience credit my credit report it says that month XX/XX/2020 that I was delinquent XXXX days I wasn't it's the wrong account they're reporting so can you guys help me. The document I'm uploading is sending in has the right account number and it's showing that I paid the payment in XXXX of 2020

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 2018-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a second request to Bank of America, N.A. but this time to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to answered my requests ). I've sent 2 letters in regard to Tax Forms I need to file my taxes. 

Note to CFPB : This is not a duplicate request. This is another set of Tax Forms I need.

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 2023-09-18
Company: EQUIFAX, INC.
State: SC
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:
This is my 4th 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts.Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2020-12-28
Company: Consumer Adjustment Company Incorporated
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I was notified that a collection agency had placed a collection on my credit report. The collection account was opened due to an outstanding medical debt that I'd received for stitches. However, I can not incur medical expenses as I am a XXXX veteran with an above 30 % rating and covered by the MISSIONS act. 

I contacted the collection agency, Consumer Adjustment Co, around XX/XX/XXXX about a mistaken medical debt from XXXX XXXX XXXX. I am a XXXX veteran who is covered for all medical debts, and the origin of the debt was notified that it improperly billed the XXXX  XXXX XXXX. 

I called the collection agency, and they told me that they could not discuss the issue with me and could not resolve it based on me being a XXXX veteran who could not legally be charged with medical expenses pursuant to the MISSIONS Act. All medical expenses are covered due to me being a XXXX XXXX veteran ( with a XXXX XXXX rating ). 

I then called XXXX  in early XX/XX/2020 and opened a dispute. After the dispute was complete, one of the debts was deleted from my credit report, but the other, an identical account with a different account number, remained. 

I called XXXX on XX/XX/XXXX to get it removed the same way the other account was, and they hung up on me once, and then muted me the second time. They did not resolve the dispute and remove the collection account from my credit report and it is still negatively affecting my FICO  score. 

I've attached the letter that I sent to XXXX  regarding the dispute. I also sent XXXX  proof of my XXXX XXXX. I can provide this upon request. I can provide other personal details and report details upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: General Motors Financial Company, Inc.
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
americredit XXXX XXXX XXXX dba gm financial ( creditor ) we filed bankrupty on XXXX XXXX 2019 in united states court for district of montana chapter XXXX we have a XXXX XXXX XXXX  that was part of the bankruptzynow gm financial is is trying to get an immediate stay and are seeking XXXX its case number XXXX. we received court papers in the mail from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX montana XXXX XXXX XXXX we have contacted are attorney we have 14 days to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, on XX/XX/XXXX my Western Union account number XXXX was hacked by someone who chose a name from my receivers history to create an account in XXXX. 
The person they used lives in the XXXX XXXX. 
They transferred 3 transactions {$910.00}, {$910.00} and {$900.00} and the last transfer they tried was cancelled.The money was picked up from a bank account in XXXX without any ID or MTCN number. I spoke to WU and they did not take any responsibility because they said that the money was already picked up. I do not understand how they allowed someone to pick up this large sum of money transferred to a fake bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.

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 2021-06-12
Company: EQUIFAX, INC.
State: SC
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've been sending letters to Equifax since XXXX of 2020 in regards to accounts on my credit I feel were being reported inaccurately. These accounts I still haven't received a response on. 
Three Accounts with no creditor listed- how can this possibly be verified when I don't know who this account belongs to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are still being reported inaccurately on my credit report and I haven't heard back form Equifax after requesting the investigate these accounts and provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was using the square Cash app for P2P money transfers. I had a birthday gift of {$300.00} that was transferred to the wrong bank. 

Basically, When I did not see the money in my account I check my default bank information in the Cash app only to see a XXXX ban account I did not recognize. I only saw the last 4 digits of the account but deleted right away because I did not want them to take more money from me. 

When I called XXXX, they said they could not help without more information. Cash app said they couldn't help and that I needed to contact XXXX XXXX. So, pretty much ignored by both entities and was told by each to contact the other. 

When I told my friend about this recently, he checked his default bank with cash app and it was a mysterious wrong bank! 
I suspect that Cash app is able to be hacked, where the hacker can input their own bani information into the app, so money is transferred to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: OH
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name XXXX 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: Experian Information Solutions 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:
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payments or payments being made late that are not proven and are incorrect

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 2022-04-07
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Debt that this company Advanced Collection is trying to collect and that they claim that I oue them is uncollectible, because I am XXXX and on XXXX, I also dont know who this company is, Ive never done business with them nor gave them the right to give out my information Because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. and also according to 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 Ive never done business with this company nor gave them permission to furnish my information to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Greetings credit reporting agencies, my name is XXXX XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX 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 an account without my written instructions.

Listed Above are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is

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 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Hello and thank you On XX/XX/, I noticed a charge on my XXXX credit card ( Company is Capital One ) when viewing transactions online, that a charge, {$22.00}, was made XX/XX/ which was not my doing. I called the credit card company on XX/XX/XXXX, they documented the information I shared which was that this is not a charge I made nor a merchant know/have been. I told them I had the card in my possession so they then instructed me to shred as they were sending a new card. I received 2 letters dated XX/XX/XXXX  from Capital One : 1st one : confirming they have mailed the new card and that they have put a temporary credit 2nd one : states that they found insufficient evidence of fraud because information discovered leads them to believe that I or another account user benefited from the transaction. 

I immediately called again to dispute this letter because I did not make the charge nor authorized anyone else to do such a thing. They were very rude and abrupt and literally called me a liar. 

I really didn't want to pay for it however do not want my credit to be affected. Please is there something you can advise. Thank you.

Company response to consumer: Closed with monetary relief