BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2018. 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.

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 2021-04-29
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in an accident on or around XXXX of XXXX I was referred to pain doctor for rehab, I was XXXX diagnosed and told I needed XXXX, the XXXX was supposed to be covered my my car insurance, and the other persons car insurance and I had Medicade through the state I believe it was XXXX XXXX at that time. 1-2 years after the XXXX I start getting mail and phone calls that I owe this money, all of my bills should have been paid through insurance and lawyers claim. I am still being charged this amount for this medical bill, I have tried to get this resolved with the insurance companies and everyone is giving me a run around and pointing fingers with no hope to resolve. Please help me. I also later found out the place I was refers to go to for pin was shut down for fraud, for making false insurance claims and lying on injuries paitensts didnt have. It is under XXXX XXXX which is my old name my name name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: MS
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:
I am a victim of the XX/XX/XXXX Equifax data breach and I have tried to call Equifax to speak with someone about a disputed item on my credit report to no avail, every time I call they transfer the call to someone who can't speak English, so I can't understand what he/she is saying, thus can't repair the issue.  My latest attempted contact was Saturday XX/XX/XXXX and I spoke with three different people and when I ask to be transferred to the supervisor, (in the United States, who can speak english), I was put on hold, eventually the phone hung up after 30 minutes or so of waiting online.  I have an unsecured loan account with XXXX XXXX XXXX XXXX that is no longer open (paid off), and it is still reporting on Equifax as owing XXXX, but it was paid off a couple of months ago and is closed.  I have tried to correct it with XXXX XXXX XXXX XXXX as well as Equifax Credit bureau, to no avail.  ON the credit bureau report it list the account as being open, current, and $XXXX due each month, with a high balance of XXXX, of a unsecured Loan. The account number is XXXX, paid off in XXXX or XXXX, XXXX, it doesn't help the credit score saying that I still owe on that loan.  There has been no recent update reporting as of XX/XX/XXXX.  If Equifax wants to help people, it needs to have reps who can speak English, since it is an American Company, in the call centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
USAA repeatedly attempt to contact be regarding the debt of another USAA member. I repeat : I was not the individual responsible for the debt. In fact, it was only by relation that USAA continued to harass me for the contact information of the debtor. I repeatedly requested that the harassing phone calls stop. Over a period of about 12 months, USAA continued to make harassing phone calls. They started up again recently and continue to this day. They need to stop and I need to be appropriately compensated for the huge amount of time I have wasted and the expenses I have incurred in my attempts to stop these harassing phone calls. I am a good paying customer of USAA : this is no way they should be treating anyone, let alone a loyal customer. Stop the harassing phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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:
This is XXXX XXXX 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XXXX XXXX XXXX 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.

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 2021-02-25
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:
I have discovered that some accounts are not mine. I would like to dispute them and I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I have never signed for or agreed to these charges. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent, and permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting 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 often monitor my credit report and noticed today that there are 2 inquiries on my credit report that I did not initiate so I called both credit card companies one is investigating and the other I am on the phone to make them aware that this is fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022 from XXXX XXXX XXXX account number XXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: NY
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've contacted XXXX, XXXX, and Experian with my second dispute letter because the first one was sent and no fix was adjusted to the error on the hard inquiry hit on my credit report, that isn't an authorized application from myself. My first dispute letter took them over 30 Days to address. This second letter was sent out on XX/XX/XXXX, which states The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

I've requested for this Hard inquiry that is not mine to be removed from my credit report, as fraudulent activity.

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 2023-07-04
Company: Greenlight Financial Technology, Inc
State: MO
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 set up a debit credit and cash card with Greenlight base in XXXX, XXXX. 

ph XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX As soon as I loaded my info to set up an account for my Son, they changed my agreed plan, from $ XXXX month to {$9.00} / month. And had pulled a different email from my Iphone. 

They changed the info I had entered. Then, when I tried to log in with all the correct info the website was unavailable. 
Then I called to have my account close and deleted and they refused to delete my personal information. I was only the phone for nearly an hour to have my account deactivated and deleted. They refused to delete info and said they had a FDIC rule that they were allowed to keep my birthday and social for XXXX years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-06-20
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a call from Bridge Lending solutions because I was applying for alot of online loan companies because I have been having a cash flow problem, with overdraft fees and was hoping I could stop the overdraft fees by supplementing with this loan. They gave me {$500.00} on XX/XX/2019 and On XX/XX/2019, I paid them {$200.00}, then on XX/XX/2019. I paid them {$180.00} and then on XX/XX/2019 I paid them {$120.00} a total of {$500.00} and the loan amount was {$500.00} to begin with and as of today my balance on the loan is {$520.00}. I received a loan from them for {$500.00} and have paid them {$500.00}, the loan has only been active for a total of 40 days and as of todayXX/XX/2019 I still owe them {$520.00}. The way I see it I have paid my obligation to them, I could possibly see having a balance today of maybe {$120.00} if they want to charge me interest or whatever but at this point in order to get this paid off, they want an additional {$400.00} today. So that would mean a loan for {$500.00} that was taken out less than 45 days ago, has cost me a total of {$900.00}. I am just floored by this and yes I am the person that took out the loan, but I have paid them {$500.00} and I have tried to pay this off and have given them {$500.00}, I just dont understand how people can do this. This is a predatory lender and I am a victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: FL
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 have submitted numerous disputes to Experian regarding their incorrect listing of a bankruptcy on my consumer credit file. In the letters sent to me regarding the " dispute results '' Experian listed the Bankruptcy Court as the source of the information for the first dispute and then after my request for a re-investigation, the " dispute results '' that was sent to me now states that XXXX MAY be the source of the information. 

I subsequently sent in a method of verification to Experian twice in the last 4 months that has been ignored and not replied to. 

These are all violations of the Fair Credit Reporting Act.

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 2022-04-26
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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:
I'm in the process of trying to lease a new apartment. Today ( XX/XX/2021 ) a leasing company asked me to unfreeze my Equifax account so that they could do a credit check. 

- First I tried going through the Equifax website, I created an account and submitted information so that they could verify who I was. Then I reached a page stating the verification failed and I could either have them mail me some documents or call them. 
- So I tried calling. I went through an automated verification process where I once again submitted information like my SSN. They sent me a verification code to my phone number which I entered. Nevertheless, in the end I was told that I couldn't be verified and provided with the option to talk to a human agent. 
- So I talked to an agent. Once again I provided information like my SSN, address, phone number, date of birth, email, etc. I was sent a link so that I could take pictures of my driver 's license. The software asked me to retake the front picture of my license 4 times although the picture looked fine to me every time. After the 4 time I reached a screen stating " Sorry, you exceeded your photo limit. '' The agent on the phone informed me that I would now have to send documents by mail or fax in order to get verified : photocopies of my social security card and driver 's license, and a cover letter with additional personal information stating that I requested my credit to be temporarily unfrozen. This would take " 3-5 days to be processed ''. 
- I informed the agent that rentals are competitive in my area and that I needed the leasing agency to be able to access my credit score today. I also explained that I was in possession of a PIN that was given to me when I paid to freeze my credit. However I was told in no uncertain terms that there was nothing else said agent or their supervisor could do. 

I initially froze my credit because of the Equifax data leak a few years ago. It's a service I had to pay for at the time ( something like {$10.00} or {$20.00}, I don't remember exactly ). Now I was told they are not using PINs anymore and I'm supposed to hand over personal information and documents to the company that leaked my information in the first place. Not only that but their process has multiple points of failure which makes unfreezing my credit time consuming and burdensome even if I am willing to provide said documents and information. This is unacceptable in my view.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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:
XXXX AND EXPERIAN ARE VERIFYING A VOID, VOIDABLE, INVALID LOAN. 
THE CALIFORNIA SUPREME COURT ADDRESSED MY LOAN IN ITS CLASS SPECIFICALLY THAT DUE TO THE INTEREST RATE THE LOAN IS ILLEGAL. 
THE CREDITOR IN MY CASE SPECIFICALLY VIOLATED A PERMANENT INJUNCTION AS THEY DID NOT EXPLAIN AND 72 HOUR PHONE CALL REGARDING THIS @ 100 PER CENT APR LOAN. 
THE CREDIT BUREAUS KEEP VERIFYING A LOAN THAT IS WITHOUT A DOUBT ILLEGAL TO ISSUE BASED ON THE CALIFORNIA SUPREME COURT IN XXXX.THE COURT CALLS THE LOAN UNCONSCIONABLE, SO ONE-SIDED AS TO SHOCK THE CONSCIENCE. 
THE ILLEGAL DOING CREDITOR FOR XXXX ACCOUNT NUMBER XXXX BEING ALLOWED OVER AND OVER TO VERIFY THIS LOAN BY EXPERIAN AND 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 2018-02-27
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I submitted a complaint with CBE Group on debt collection and written notification about debt since I did not receive by mail. I got the response on XX/XX/XXXX from the company from XXXX XXXX a compliance officer. She states the client will forward debt validation. From what I hope by mail, not email. because she states CBE Group sent notice of collection account on XX/XX/XXXX meaning final notice before being sent to credit bureaus. CBE Group sent to an email address which is that she supposedly confirms by " matching ''. I do not see any attachments from my complaint # XXXX in which I provided documents ... why isn't this shown for me to inspect. XX/XX/XXXX and XX/XX/XXXX the accounts was opened in the credit bureaus. Then they send to my email address on XX/XX/XXXX for notice. Which is wrong and falsification. I do ask since you sent this " notice '' how come you couldn't send a BILL THROUGH EMAIL. Explain that. So now the client is forwarding my debt validation soon from which source email or mail it is not clear. So now I am filing a complaint on false statements. Again I do not believe anything was sent to my email, if it was this company they are not in my contacts, first I wouldn't know who they were to begin with, with no bill or account number, etc. It was probably sent to junk, If it got into my inbox I still would not know who these people were unless I got a bill. So since this is in credit bureaus I apparently have no resolve, in which I offered, but you want me to discuss the matter, to what record me. You all ready have made false statements. Please note XX/XX/XXXX. XXXX email was sent : by client on XXXX XXXX. Not in XX/XX/XXXX. The documents I enclosed are when this account went into credit bureaus XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX a notice of collections was supposedly sent to email, a notice means before being sent to credit bureaus. How can this be?

Company response to consumer: Closed with explanation