BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
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: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXXXXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXXMiscellaneous XXXX XXXX Inquiry fromXX/XX/XXXXTelephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilitie s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THESE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND NAME. I HAD NO KNOWLEDGE THAT THESE ACCOUNTS WERE ON MY CREDIT FILE UNTIL I RECENTLY PULLED MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE.

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 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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:
Disputed a bankruptcy that was on my credit report. XXXX could not verify, so XXXX deleted from my credit report. XXXX  and Experian has not deleted this inaccurate, outdated information that is unverifiable. They only sent me a electronic admission stating it was verified, not wet signature verified, no info verified with the courthouse in which it was showing on my credit report, the court house said they specifically will not and do not share information to 3rd parties, or to any parties. I ask for this bankruptcy to be deleted from XXXX  and Experian. Started the dispute XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because Portfolio RC has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: Bonneville Billing and Collections
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: Account status incorrect

Complaint:
This complaint is an update to a complaint I filed recently again Bonneville Collections on behalf of XXXX XXXX XXXX. I forgot to mention that this debt is reported as " educational '' but in fact it was for rent at the student apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but Bonneville Collections has since purchased the debt, inflated it by thousands of dollars and reaged it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: DISCOVER BANK
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had used my credit card for many years. paid monthly. faithfully the minimum due. Health issues and lack of employment was not allowing me to make the minimum monthly payments anymore. i tried to call them and get them to understand i could no longer pay the bill. they stopped contacting me and suddenly i am now facing a Court Hearing regarding the debt. i still have no real income and have no idea how i can pay any of the debt. i paid for many years the minimum payment and honestly ... the minimum due paid mostly interest on the debt .... with about {$20.00} going toward the actual debt of the credit card. I am not certain if you can help me. but i am going to be asking for a 30 day extension on the court hearing, so i can better prepare for the case.

PLEASE NOTE : The attorneys for the company keep reassigning the case to a different attorney in the firm. and when i do try to contact them, the only reply I receive from the attorneys office is from an outside ( non involved ) paralegal. Nothing ever gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Capital one and XXXX credit card Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit XXXX is also his and address and numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a medical debt. The hospital is balance billing me. I have asked for proof of dept. The collection agency is refusing to provide a valid proof of debt. They will only provide me with a copy of the bill from the hospital. My explanation of benefits clearly shows that I don't owe this amount. The debt collection agency is refusing to attempt to get anything other than a bill and has said " it's all the client provides. I have to pay. ''

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 explanation
Consumer complaint received 2020-11-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Fair Collections and Outsourcing : I am responding to your contact about a debt you are trying to collect. I recently pulled a credit report and saw that there is a collection out for {$93.00}. XXXX  XXXX University is the original creditor and the classification is medical or health care. I have not been contacted ever regarding this debt, either by the original creditor or the collection agency. I would have been happy to pay the creditor originally if it had been brought to my attention. I would like more information to understand if this collection is legitimate and if I should pay. I reached out personally to " Fair Collections and Outsourcing '' in the form of a letter in XXXX and have mail confirmation that they received the original letter. I have not heard any response back.

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 2019-10-08
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are not mines and belongs to another inwhom made me a victim of identity theft/ fraud. I'm demanding either I be provided with physical documentation such as my signature, id, etc as it relates to these accounts, or please remove and block these fraudulent accounts immediately. The accounts being disputed are. 

1, XXXX {$1300.00} 2. XXXX {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a judgement lien against my house which was in my name and my ex husbands name. after our divorce American Express obtained a default judgement against my ex husband and put a lien on our home. When I had my exhusband sign over the deed of the property ( court ordered ) I was unaware of the lien on the property. Ex husband has passed away ( 2017 ) and I am in escrow right now to sell the house. American express has said to me on many occasions that they aren't authorized to disclose any information about the account without proof of being an executor of his account. My escrow company handling the sale of the house has also tried various times to obtain a demand/release from American Express and have been denied with zero cooperation from American Express. I am trying to get the debt taken care of in order to be able to complete the sale of my house and it isn't possible without the demand/release letter from American Express and is very unreasonable of them to think that everyone has an assigned executor at time of death. Ex-husband died in XXXX and didn't have anything in place for anyone to handle his affairs. I do not have the time at the moment to obtain executor-ship and I don not want to as I am not responsible for his debts, but am willing to take care of this lien as it interferes with the sale of my home, it is just incomprehensible to me as to why American Express is refusing to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 - XXXX XXXX XXXX calls and the phone Identified them as " XXXX  XXXX XXXX '' the call was from XXXX. An automated message stated that I have a debt to pay and to call back immediately. They gave me a number to reference XXXX. 

I called and asked for who the collector is etc. The acct. ends in XXXX, original debt is from XXXX XXXX for {$700.00} ; they also gave me an address for a home that I haven't lived in for over a decade. I asked for their address so I can send a validation letter, and I was hung up on. I called back, spoke with XXXX, and told them that I am a victim of ID theft, and I want their address. They put me on hold then said they could email me and asked for my email. I said no, I want their address for validation. I said I would be contacting the FTC, Consumer Affairs, XXXX, and others, and I am taping this, so I want their address. I was going to ask for also a written notice of validation by mail, but I never had the chance. XXXX said that they could not be taped and hung up on me. I cant send anything to a company without a valid address for validation. I cant even find an address online. 

I have had one credit card in my whole life, and it had been canceled over a decade ago. I do not have debt with this company or XXXX XXXX. I am a victim of ID theft. 
XXXX next send a certified letter to XXXX  XXXX since I have an address for them due to past ID theft and I after filling out a FTC ID theft but I have no information on XXXX XXXX XXXX or even if the debt is valid. I would like XXXX XXXX to stop opening up invalid accounts under my name or my husbands name. I currently have a fraud alert active with the 3 main credit companies. I also am opening up an account for XXXX XXXX ( this week ) to fix the XXXX  Fax Data Breach issues my spouse and I have been battling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
Im unable to access my report and score from equifax website. Their new procedure requires users to create an account which i have but cant access. Also according to XXXX  site all my equifax data is out of date. The accounts listed on equifax are not up to date and additional credit cards are not listed. my student loan consolidation is not listed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
They have been reporting late payments for the past 6 months when I am currently current. I have called Bank of America numerous amount of times to have them review my account, but I get no call backs from any of the departments. Bank of America is affecting all 3 of my credit fico scores. I ask that someone please step in and look into my account since I feel very powerless doing it myself. As stated before I have called different departments several times, and all I get is they will call me within 24 hours. I have left voice messages to the credit department and yet no call backs. The negative feedbacks left on my credit report are inaccurate, and by having these remarks on my credit file has affected me and my family in many different ways. In another not my original payment for this particular vehicle is less than what I summit every month as a payment, so that I am able to payoff this vehicle loan before my terms. I ask that this issue is considered highly and not to be disregarded, Thank You, XXXX 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 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX -1 XXXX XXXX XXXX -2 XXXX XXXX XXXX -3 Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 2021-04-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have got multiple offers from American Express but after filling up applications and applying I have got denial and they were asking additional informations in order to issue a card. Additional informations questions suppose to be included in the application 's questioner and not asking them separately after the application submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Kohl 's Systematically makes it difficult for consumers to set up auto payment. 

They encourage late payments and delight in reporting negative information to the credit bureau. 

My credit report is fantastic except for Kohls who : 1. Deletes your auto pay when you pay the account off 2. Do not allow you to set up auto pay unless there is an outstanding balance 3. Do not attempt to contact you until they are already reporting you to the credit bureau 4. Assure you that by making the payment that you will not be reported negative and then deceive you.

Kohls has poor credit collection practices. 

Account balance was {$470.00} Minimum payment $ XXXX {$30.00} Kohls contacted me on day 31 to report that I was past due on the payment. Kohls assured me that it was not being reported to the credit bureaus and proceeded to collected the full balance. To my surprise, I look at my credit report and see that they indeed did report my account late just a few days after accepting the payment in full.

I frequently pay the card off in full. The auto-pay deactivates and then they call you on day 31 to report you didn't pay but only after they report you as 30 day past due on your credit. 

It is deceitful credit practice that can cause someone to lose 50 points on their credit score overnight.

I would like to file a formal complaint against their company and business practices. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The doctors office charged me for procedures that were paid for that were done by specialists. XXXX paid them and another office for same procedure. also took my co pay in cash stated they would email receipt. I contacted XXXX legal department on this office and also XXXX XXXX. I also contacted there billing office for XXXX XXXX XXXX. They continue to be rude and ruin my credit. I stopped goinmg to them after wrong medication and billing issues. This has been the 6 collection company that wont stop calling and threatens me. XXXX legal dept is working on this care. Iam XXXX with XXXX XXXX and other XXXX and am ununable to get financing for procedures that will save my quality of life cause of this collection opn my credit bureau and the time it has taken for XXXX to fix it.

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 2020-11-12
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXX 's XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )

Company response to consumer: Closed with explanation