BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received call from person who simply stated their name was ( ******* ) and asked if they were speaking with XXXX XXXX. 

I told them yes, who are you calling from? 

She then immediately read my physical home address to me in what amounted to an attempt to threaten me in a passive aggressive manner ( we know where you live, etc. ) It was only THEN she announced she was a debt collector and the line was being recorded, etc. 

I then informed her the debt was invalid as it was not something I was familiar with and told them not to call back. I have since blocked the number. 

I believe the order in which the call played out was illegal based on consumer debt laws, as well as the passive aggressiveness of presenting my physical address right off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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:
debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by XXXX, transunion, XXXX pursutant 15 usc 1692, and 15 usc 1681

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 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This account is currently in restricted for over 7 years and I paid the bill in full and its on my credit report. Capital One acct ending in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase bank informing me that they are closing my check and two credit card accounts. 
The reason they give for closing them is because a previous credit account was closed. That is all. 

I called the bank and they told me that they can not help me. 

My relationship with Chase Bank began on 2010. It has been always a good one. I do not have fraudulent behavior nor transactions that, in my opinion, are not suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
american express will not fix my problem without me getting on the phone, which i can NOT do because i am XXXX. 

Please Call I CAN NOT CALL ON THE PHONE, I AM XXXX The concern on your account can not be resolved online. Please call XXXX at your earliest convenience. 
something is wrong an i am XXXX i can NOT call on the phone!!! 

FIX WHATEVER IS WRONG AND LET ME GO XXXX!! SEND ME AN EMAIL AT XXXX XXXX YOURSELF I AM XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: MI
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 requested documentation supporting late payments on my credit report and have the lender has not responded or removed the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX, and still nothing from them. Negative accounts are still reporting on my account, which means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} Collection : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I spoke with the Office of the Comptroller of the Currency ( OCC ) XX/XX/XXXX, at XXXX. I had discussion with the OCC regarding XXXX XXXXXXXX XXXX XXXX XXXX closing two accounts due to an error made by the Consumer Financial Protection Bureau ( CFPB ) forwarding the Office of the Comptroller of the Currency the complaint ( See attached letterhead ). I have had a dispute with XXXX XXXX, for Identity theft. I did not dispute anything with XXXX XXXX XXXX or the accounts I have with XXXX XXXXXXXX XXXX, XXXX XXXX. 

The complaint was sent through the CFPB to XXXX XXXX with the address listed as XXXX XXXX XXXX, XXXX LA XXXX. The Office of the Comptroller of the Currency forwarded this complaint to XXXX XXXX XXXX XXXX XXXX in error, and it caused my accounts to be closed, which I did not request. I have never been late to these accounts nor have given XXXX XXXX XXXX XXXX XXXXXXXX to close my accounts. 

I have no association with XXXX XXXX. They have been unlawfully accessing my social security number in order to run hard inquiries on my report. The most recent one noticed again was on XX/XX/XXXX. I never authorized or signed any contract with XXXX XXXX and have no legal binding contract with them. However, they still continue to steal my identity and use it to put negative hits on my credit report. I have filed an Identity Theft Report with the Federal Trade Commission and continue to take further measures to protect my identity. 

I called XXXX XXXX XXXX  XXXX XXXX multiple times to get this corrected and reinstate my accounts and I keep getting different answers from individuals in other countries that do not have the knowledge on what to do or direct me to get my accounts reinstated. I am inquiring about the closed accounts again. I have sent two previous letters via certified mail XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX in order to correct this error so I may utilize my credit lines again and they yet to fix the accounts. 

Thank you for your time in this urgent matter as I appreciate your time in helping get this matter corrected. 

The CFPB needs to contact XXXX XXXX XXXX. XXXX XXXX still has not responed, and the information needs to be removed 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 2023-10-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint to you to inform you that XXXX and XXXX XXXX XXXX XXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-11-11
Company: Colony Brands, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband who is now deceased open a line of credit through Colony brands with my social security number. It took over a year and a XXXX  complaint for them to close the account and say I am not responsible. They will not give me any credit in my own name, nor will they even do anything to correct the issue with me. I have had no contact with them. They say they sent letters I got nothing. I think they owe me for allowing a credit line to be opened in my name with due diligence. All I ask is for a credit line opened in my own name. I tried to apply and get denied which is totally wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Exeter Finance Corp.
State: MD
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, XXXX XXXX XXXX # XXXX, XXXX XXXX, TransUnion, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

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 2020-02-26
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 applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY. I have contact the FTC and my local police department.

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 2021-09-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2021, I wrote a letter requesting the investigation of accounts on my credit report. I never received a response so I mailed another letter on XX/XX/2021 stating that I hadn't gotten a response. Well it's XX/XX/2021 and I still haven't gotten a response yet. It has been 4 months!! The fcra gives 30 days for a response!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: NY
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:
Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal trade commission and need these accounts to be removed immediately. Under the law of section 605 of the FCRA, you have 4 days to comply. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called my current student loan servicer a MOHELA to get financial information they sent me last month which is missinXXXX XXXX XXXX XXXX. I consolidated my XXXX loans with my grad loans in XX/XX/XXXX. Information prior to consolidating is also missing and I was out on hold for over an hour so that they can research for which there was no resolution because I had to hang up. According to my servicer they dont have the information and only know me having loans from XXXX. This information is important as me getting the newly announced IDR adjustment hinges on me getting this information and there records being updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: NV
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 been a victim of identity theft have submitted police report, FTC report and still have no luck with getting removed.

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 2019-12-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with TD auto withdraw to pay a mortgage to TD. For 8-10 months TD was calling me every 2 weeks to tell me I was delinquent but could never figure out why it was showing this way since the auto pays were religiously coming out. A couple months ago they did a withdrawal from the account with no notification which made the auto withdrawal bounce resulting in fees. Finally they after that we figured out the loan actually came due so they were suppose to send me paperwork to reactivate the loan ... this paper work has not been received to this date. On XX/XX/XXXX TD issued the auto pay to TD but now they put a deposit only status on the account blocking the check THEY issued to themselves which will bounce due to this restriction causing fees. This is a mess with them. One hand doesn't know what the other is doing. Reporting and disclosures are deficient at best. Obviously the money is in the account to cover the payment. They claim the restriction is to lock up any deposited funds to be applied to the mortgage which is where it is going anyway..the whole thing makes no sense. This needs to be addressed ASAP as I am sure TD is in violation of some kind of reporting under your rules and I am also sure that there are violations existing just by virtue of not properly sending notices, attaching accounts and causing erroneous fees to me as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX ( aka XXXX XXXX ) They had fraudulently changed the balance owed on my account and its putting my credit report in financial distress. Ive written letters got in touch with both companies as well as Experian and its a whos who when it comes to the course of action. They blame the credit bureau the credit bureau blames the company : In short XXXX reports the amount as {$450.00} then changes it to {$450.00} the following month then back up to {$450.00} the month after it continues on this pattern which hurts my credit score. Its inaccurate and fraudulent and needs to be removed from my account immediately.

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 2019-12-12
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX report response indicated it is not collection company but is listed on credit report as : Helvey and Associates ( for XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX Call number XXXX If this is not a collection can this please be removed from credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I showed interest in the room but because of the unfair treatment they treated me, I went in for a new apartment because the document sent to me was a dummy.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect name on report as well as address.

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 2021-11-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, a legal order was put on my account taking all of my assets of {$2500.00}. I understand this part is legal. But the amount taken was above the garnish wage laws of 25 %. It has also come to my understanding that military pay isn't to be removed under such legal orders. I have contacted the bank several times to only get told to talk to the requester, who tells me it's all to do with the bank. That the bank is the one who determines if the wages are garnishable and the amount. This has left me with no income for almost an entire month and barely paying my bills.

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