BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
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:
Inaccurate Information being reported on my credit file ... .incorrectly and was told in written letter by the company that they would have deleted and yet it has yet to be deleted.

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 2019-08-17
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
1. Lowe's company offed to me store credit card  and i had $XXXX store credit.And they offered me to buy stuff and 6 months no interest.
2.Right after I purchased some stuff from Lowe's,Then I had financial difficult to pay same credit card 
3.I paid first month payment.I notice second month statement added interest.I went to store and ask why.They said My credit card need to pay interest.They ignored me and keep added interest.
4.They added unfair interest and monthly payment , I spoke with lowe's credit card company regarding my situation.
5.Finally they gave me offer interest fee $XXXX  flat monthly payment.But they denied to discard interest they already added.(I disagreed about those interest)
6.Right after i paid few months together in advance (ex; Once i go to lowes i paid $XXXX etc). And i call to credit card company i paid by phone some payments as well.
7.I ever never ever any statement from lowes credit card.
8. Last week when i check my credit score and it show i missed payment my credit card and by credit card balance still same as beginning amount.
9.They did not subtract when i made payment.
10.And they credit score showing i missed payment
11.I never missed payment , I already paid in advance few month together
12.I called them but they ignore me, Could you please help me fix this 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 monetary relief
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: NV
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 wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.

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 2018-04-25
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went in for a doctors appointment on XX/XX/2014 I paid {$170.00} which was my co-pay plus I paid a {$20.00} co-pay and then I put another {$27.00} co-pay my insurance paid {$270.00} they are saying that we still owe {$270.00} they refused to take this off of my credit report and when I try to call they are rude and wont listen to what I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After several disputes with BBVA Compass, the company keeps this account like a charge off when this is being a bank error, possible by accident. 
After a time out of USA when I came back, I found this late payment, which never was reported to me or I never got the information. I paid the amount, {$17.00}, and called the bank to complain about this issue. After several calls, disputes, letter, lawyers, I finally got the statements of the card thanks to CFPB, as until I didn't open a dispute through here, the bank never sent the requested information, even I advise my contact and addresses several times. 
In the statement is possible see the late payment, as it is possible to see the account was in autopay. The account for the autopay was an account in the same bank which always had enough money to pay possible small payments coming over in case I didn't realise. 
It looks like the bank couldnt get the amount to the account, an account from the same bank for some reason I have never knew. 
The bill that cause the missed payment, from XXXX, for some reason they charged this payment into this card instead the card was set from the country I was living at that moment. The rest of the payment days before and after, were correctly done to the correct card. Still waiting for explanations. 
It is clear there wasn't never intention of not to pay as I was cautious leaving money and the account opened, just in case, and there was an error or problem into the bank about this. 
I have attached the statements for the credit card and the statement from the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DearRECEIVABLEMGMTGROUPAfterviewingacopyofmycreditreport,InoticedacollectionaccountplacedonmycreditreportfromyouinXX/XX/2017.Iamrequestingthatyouallowmetovalidatetheallegeddebt.IamunawareofanyoutstandingmedicalbillsthatIpossess,andIamseekingthenameandhospital/medicalprovidertowhichIowethedebtandadetailedbreakdownofthefeesthatIowe.

Additionally,IamallowedundertheHealthInsurancePortabilityandAccountabilityAct(HIPAA)toprotectmyprivacyandmedicalrecordsfromthirdparties.Ididnotgivepermissiontoanyofmycurrentorpriormedicalproviderstoreleaseanyofmymedicalinformationtoathirdparty.IamawarethattheHIPAAdoesallowsthereleaseoflimitedinformationaboutmebutanythingmoreistoonlyberevealedwiththepatientsauthorization.Therefore,myrequestistwofoldvalidationofdebtandHIPAAauthorization.

Pleaseprovidebreakdownoffeesincludinganycollectioncostsandmedicalcharges.
Provideacopyofmysignaturewiththeproviderofservicetoreleasemymedicalinformationtoyou.
Ceaseanycreditbureaureportinguntilthedebthasbeenvalidatedbyme.

Pleasesendthisinformationtomyaddresslistedaboveandacceptthisletter,sentcertifiedmail,asmyformaldebtvalidationrequest,whichIamallowedundertheFDCPA.PleasenotethatwithholdingtheinformationyoureceivedfromanymedicalproviderinanattempttobeHIPAAcompliantcanbeaviolationoftheFDCPAbecauseyouwillbedeceivingmeaftermywrittenrequest.Irequestfulldocumentationofwhatyoureceivedfromtheproviderofserviceinconnectionwiththisallegeddebt.

Additionally,anyreportingofthisdebttothecreditbureauspriortoallowingmetovalidateitisaviolationoftheFairCreditReportingAct,whichcanallowmetoseekdamagesfromacollectionagency.Iwillawaityourreplywithaboverequestedproof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JEFFERSON CAPITAL SYSTEMS,ACCOUNT NUMBERXXXX IS A COLLECTOR FOR ORIGINAL CREDITOR ,XXXX ,THAT IS WRONGFULLY APPEARING ON XXXX   XXXX  AND XXXX CREDIT BUREAUS.THE PROBLEM IS THAT XXXX  PHONES AND SERVICE PROVIDED WERE NOT ADEQUATE AND DID NOT PROVIDE EVEN  REMOTELY ADEQUATE SERVICE.MY FAMILY HAD MULTIPLE PHONES THROUGH XXXX..WE USED THEM WHILE HOME WAS XXXX  XXXX,OUR BUSINESS WAS AS A VENDOR IN WEEKEND FESTIVALS IN XXXX XXXX,CA.IT MAY BE DIFFERENT NOW ,BUT AT THE TIME THERE EXISTED LESS THAN THE REQUIRED CELL TOWERS TO DELIVER SERVICE IN XXXX  XXXX.WE USED THE PHONES TO COMMUNICATE BETWEEN OURSELVES AND CUSTOMERS..INTERFERENCE,DROPPED CALLS,UN-RECEIVED MESSAGES,AND NO CONNECTION AT ALL WERE THE NORM.WE COULD NOT USE THE PHONES AND SERVICE AND HAD TO GO WITH ANOTHER PROVIDER.WE WERE CHARGEDIN VIOLATION OF CALIFORNIA'S IMPLIED WARRANTY LAW AS IF THE PHONES AND SERVICE WERE FUNCTIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RASH CURTIS & ASSOCIATES is reporting a ridiculous amount of 11 collections on my credit report that do NOT belong to me in first place. I was never a patient of Original creditor XXXX XXXX XXXX XXXX- whom I contacted and they had nothing available to provide me to prove the ownership or to validate this account. I attempted numverous times to speak to someone in person at Rush and Curtis only to be told that I need to write them a letter. Today after a total of 5 letters 3 months in I have NOT heard anything back from them. I disputed these 11 collections with credit bureaus but they sent me letters stating that rash and Curtis has validated these accounts ... how ... when I was never a patient at verity medical foundation how are they validating .THIS IS FRAUD .... today I was given a message from my receptionist that rash and Curtis called asking for a payment they pretended that I advised them to call my work and have my accountant to pay these over the phone. THIS IS FRAUD ON A TOTALLY DIFFERENT LEVEL WHY WHY ARE THEY GETTING AWAY WITH THIS. I RECORDED A CALL AND WILL BE SENDING THIS TO FTC AND OTHER OTHORITIES IF THESE ERRONEOUS COLLECTIONS ARE NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: HI
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 accounts specified below continue to report on my credit report despite the previously sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$890000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LEXIS NEXUS, XXXX AND XXXX XXXX  ARE VIOATING ALL CONSUMER PROTECTION LAWS, THE BANKRUPTCY XXXX WAS DELETED FROM XXXX AND WAS RE-INSERTED INTO MY CREDIT FILES WITHOUT 5 DAY NOTICE TO CONSUMER THUS VIOLATING THE F.C.R.A. AND XXXX  IS ALLOWING XXXX   XXXX REPORT 4 RETAIL ACCOUNTS LISTED IN INSTALLMENT LOAN SECTION BY CHANGING ACCOUNT TYPE. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: EQUIFAX, INC.
State: TX
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 opened a note loan account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, XXXX XXXX has repeatedly reported to Equifax that my account is 30-59 days behind. I have disputed this information directly with XXXX XXXX on more than one occasion. I have also discussed this situation with the area manager of the local XXXX XXXX office and she has verified and agreed that my account has not been late and stated this would be corrected. 
Additionally, I have disputed the same information with Equifax. Both XXXX XXXX and Equifax are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my Equifax credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Rocket Mortgage, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
a banker called me on XX/XX/2022 from Rocket mortgage for a saving review, he asked for my DOB.

and then he said he will verify my information and put me on hold .then he came back and said you have a good interest rate, so you are in a good position now. 
and then the next day I received an inquiry alert by Rocket mortgage. I called them and filed a dispute. 
on XX/XX/XXXX, they called me back denying my dispute, claiming that he got my authorization. I asked to listen to phone record but they refused .tried to explain to them that I didn't ask for a refinance or a loan, because I know there is no way anyone can offer me better interest rate nowadays because of the rates increase .Especially I am a banker who does loans and knows. 
today I called XXXX Dispute line and they said that the creditor will have to remove the pull up from my report and they cant do anything. 
called Rocket mortgage again with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, 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:
I have filed several reports including contacting other regulators such as SEC, OIG, FBI, State ATTY 's etc.. to get fair reporting treatment in which has been denied, accounts show closed but have missed payments, accounts discharge show charged off, and also comments that are not valid, alerts that have no contractual reason to be there, third-party accounts that have no contract or obligation to contract with. this is all violation to FCRA I have disputed my whole record nothing is valid. I don't live at previous addresses, some have never lived reported on file. Only address should be on my report is XXXX XXXX XXXX XXXX XXXX, FL XXXX I certify that this address is correct an only address to be used for mailing purposes or domicile I have provided below insurance policy to assist in identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: SYNCHRONY FINANCIAL
State: VA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-03-21
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Firstsource is engaging in said violations of latter federal statutes. Firstsource did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2023-01-04
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX  % 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I blew the engine on my XXXX XXXX back in XXXX of this year. When I called XXXX for tow I was told my card on file did not allow them to auto-renew membership - debit card was replaced so they only had the old card on file. Rep I spoke with said best he could do given the fact that it was after hours was to sign me up for basic membership which allowed 7 mike tow. I had the car towed from XXXX to my office in XXXX and called the next morning to speak with a supervisor. I was told by the supervisor that seasoning period is 3 months on account until account can be upgraded to the 100 mile tow but that given the circumstances, she would only require one week seasoning period.

Car sat parked at my office for a full week and was towed immediately after 55 miles to XXXX XXXX. Two weeks later I receive a bill for {$250.00} from XXXX for the tow. Called and spoke with a supervisor and they admitted the error and said it would be rectified. 3 months later I get a letter from a collection company stating I had been now sent to collections. I called the collection company and let them know it was in dispute then called and spoke with XXXX supervisor again. I was told by supervisor that they would look into this and give me a call back. 

Never heard back from anyone and today the collections account hit my credit. I keep getting the run around from XXXX and am now being forced to pay heavily for their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen onXX/XX/XXXX. I had a temporary Bank of America card that I reported stolen and I later received the permanent debit card in the mail. 2 weeks later I find out my bank account is dropping and apparently my temporary card which was stolen was never deactivated like it was supposed to be and someome was charging my temporary card over and over again at the same "XXXX"  grocery store XX/XX/XXXX 4 times back to back for a total of about XXXX$. I called Bank of America and they deactivated the stolen card but are now telling me I have to wait 3-10 days to get my money back. This is absurd and wildly unacceptable.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Card was charged for something you did not purchase with the card

Complaint:
Without my required permission of credit report service, Tu*Transunion XXXX XXXX XXXX CA had been charged my XXXX XXXX  master cards total {$660.00} from XX/XX/XXXX iniial {$1.00} to XXXX XXXX {$21.00} total 30 transactions which were {$21.00} every first day of the month fromAug. XXXX to XXXX XXXX and XX/XX/XXXX 4 times each was {$21.00} ; and from XXXX XXXX to XXXX XXXX were {$27.00} each months. Because I did not check my statements I did not know the charges untill XX/XX/XXXX, I found the unknown charges. I called Transunion XXXX XXXX XXXX and XXXX XXXX XXXX or emailed to tui XXXX many times and spoke to XXXX XXXX and manager also, so far I only get 5 transactins credit back, now I hope you can help me to get all 30 transactions back .Thanks!

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