BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The enhanced recovery company has reported an account for sprint to my credit report that was previously disputed and removed from my report by diversified consultants XX/XX/2018, that company was not able to provide proof of the debt owed and after failing to provide information proving the debt was owed deleted debit closed account and deleted it which is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone took a loan out from XXXX using my name and opened a bank account at Bank of America somewhere around XXXX XXXX. I reported to the police waiting on report have a incident number. I reported it to BoA and received a claim number and put the account on hold.Reported to XXXX XXXX and they told me I have XXXX days to pay monies back or it will reflect poorly on my credit report and I have XXXX days to pay it back or I will be paying interest.

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 2021-04-13
Company: EQUIFAX, INC.
State: CA
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 5 accounts showing up on my credit report that do not belong to me. These accounts were never opened or signed or used by me. I pulled my credit and noticed that these accounts are not mine and are appearing on my credit report and causing me great grief. I should not be responsible for someone else 's mistake. I have opened an FTC regarding this. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Bryant, Hodge & Associates LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Days theyve contacted us :XX/XX/XXXX ( twice ),XX/XX/XXXX ( three times ),XX/XX/XXXX ( three times ) Asked me for an email to send me a letter containing the information. They had a random email ( computer generated ) one on file  and the letter just stated an amount and said they would sue if not settled. 

I contacted XXXX directly to see if we had a debt and they said theyd sent it over to an agency in XXXX and then when I contacted the agency they said they dont have anything linked to our name or social. 

The person calling came up as scam likely so and I blocked the number and then hes been calling through an unknown number and texting me. 

He first called us through our house phone number which is not linked to any accounts nor was it our number when we lived in another state at the time the account was made. He knows our cell phone numbers which we had changed since moving to another state.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-29
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, my name is XXXX XXXX. 

My issue is that i recive a email about my account has been permanent limited ( You can no longer do business with PayPal ( XXXX ID - XXXX ) XXXX, what is paypal object to do this when my account has never been asociate with any problem. 

i already had this limitation before and was already resolve ( Id. de referencia : XXXX ), i submit all the information without any problem. 

Why you place a new limitation again with excuse for hold my money, i dont think there is any risk with nothing on my account. 

i always use paypal in according to the policy. 
i guess paypal is for send and received money so, what is the reason of my limitation??? 

If there is a mistake will you please help me to fix this problem?? 

i will apreciate if you can review my account and i m sure that is nothing wrong or with any risk asociate. 

i hope you guys help me please. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 tried to get a credit limit increase on one of my credit cards today XX/XX/20 but I was told that I was nor approved at this time because of an account reflecting negatively on my credit report. I didn't know what account they were referring to so I took a look at my credit report myself and I saw an account from a company called XXXX XXXX XXXX for an amount of {$12000.00}. This account does not belong to me nor did I allow anyone to open this account on my behalf. I am not affiliated to that company in any way and I have never signed any written/verbal contract with them. I have no idea who is responsible for this account but I have already filed a police report. I did not gain anything from this account such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.

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 2023-05-29
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-05-08
Company: Farrell Holdings, LLC
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 purchased a car from the seller XXXX XXXX  XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never open a business account with Capital One i never own a business. And now i been charged XXXX. I have report identity theft and now submit this report this is hurting my life and my future for a business i didnt own and a account i never open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Thaxton Investment Corporation
State: IL
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:
Dear Heights Finance Corp, XX/XX/XXXX &XX/XX/XXXX : Thank you for sending me your internal records of the debt ( HEIGHTS FINANCE CORP ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting fromXX/XX/XXXXAND XX/XX/XXXXincluding reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: KEYCORP
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a loan to move XX/XX/2015 I ended up not moving never touching the money I got from the loan and made one full payment to key bank that account should be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The first letter I received was back in XX/XX/2019 Amount : {$1000.00} I immediately contacted Capital Accounts and worked on making arrangements which I made a payment for {$80.00} soon to realize that it was the wrong Clinic I have never had nor seeked treatment from XXXX XXXX XXXX XXXX XXXX. 
I had an ankle injury and had treatment at another clinic in XXXX and I never bothered looking into it since I never been to the above mentioned place I assumed it was the clinic where I had treatment for my XXXX. 
I tried to talk to Capital Accounts, the Reps. Name is XXXX and she is very rude and unethical and I have gotten no were with them and now I have a Medical collection when I had perfect credit, this is so wrong in every way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
I submitted letter about accounts I was disputing on my credit report. Within those dispute letters I never disputed one account with XXXX XXXX. I disputed erroneous accounts with a creditor called XXXX XXXX XXXX. This company instead placed statements under my accounts with XXXX XXXX causing my credit score to fall because their representatives did not do their job and either actually read what was written. I want the statements removed from ALL XXXX XXXX ACCOUNTS AS I DID NOT DISPUTE THEM and I want this agency held responsible if for any reason my accounts in good standing are tarnished or an account is closed due to their negligence and due diligence when processing disputes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
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: Account status incorrect

Complaint:
I utilize XXXX credit monitoring. Through XXXX, I found two incorrect " Major Derogatory Accounts '' showing up under Experian 's credit reporting. I disputed these online back on XX/XX/2019 but have not heard back from Experian. I have tried, again today XX/XX/2019, for the last several hours to register online with Experian and to call Experian numerous times, as well as to request my free annual credit report from Experian, all without success. Their online dispute center won't let me check my status and their phone system does not allow me to talk to a real person, nor does the phone system allow inquiries into disputes. As stated, by " Major Derogatory Accounts '' are incorrect and I have the proof to show that both of these accounts were paid in full. I'm tired of wasting my time trying to reach Experian to correct a problem that isn't even a problem. Proof of payment for the 1st Major Derogatory Account is attached. 2nd Major Derogatory Account was paid online with a credit card, receipt attached.

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 2019-07-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX provided me with my credit report : All accounts satisfactory. Included Wells Fargo Card Svcs secured credit card. In question is adverse action on my credit not upgrading my secured credit card and Wells Fargo charging me {$25.00} fee to use my own money? Their executive office XXXX advised me he saw adverse action against me I'm not aware of? My rights are any/all records under FCRA must be provided to me, my " file disclosure '' and also advise me of the name, address and phone number of the agency that provided adverse 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 2018-04-11
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My small business phone receives messages from RSI Enterprises at least twice a month stating that they are calling about dept collection. I am trying to conduct my business and these messages are being relayed to my employees that answer the phone continuously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: FREEDOM FINANCIAL NETWORK
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
been with debt resolution company for 6 months now and they claim to not be able to handle the business of original agreement. I feel i am being given the runaround and they still expect the payment to be made please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
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:
i didn't authorize these inquires and they refuse to remove them after i stated that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: CA
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 tried to get a credit limit increase on one of my credit cards today XX/XX/20 but I was told that I was nor approved at this time because of an account reflecting negatively on my credit report. I didn't know what account they were referring to so I took a look at my credit report myself and I saw an account from a company called XXXX XXXX XXXX for an amount of {$12000.00}. This account does not belong to me nor did I allow anyone to open this account on my behalf. I am not affiliated to that company in any way and I have never signed any written/verbal contract with them. I have no idea who is responsible for this account but I have already filed a police report. I did not gain anything from this account such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Consumer Adjustment Company Incorporated
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt and I have sent three letters requesting verification of my signature and agreement or to have it remove off all of my credit reports. I never receive a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on XXXX credit bureau he made his phone primary also created an alert / freeze under that phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.

Company response to consumer: Closed with explanation