BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-30
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hospital never told me I need to make a separate payment ( 1 ) For hospital ( 1 ) Hospital doctors Found out toward end of XX/XX/XXXX So need doctor part put under a low payment agreement {$10.00} a month After see faithfully at paying starting to become removed not as a negative on credit report as is now .So can rebuild my credit to 600 by prayerfully the middle of XXXX for by end of XXXX my home will become Solar energy ( If possible combine into one not several plus as is now on account ) Ask XXXX XXXX XXXX Va for copy of payments been paying toward hospital faithfully and see none toward the Hospital doctors but was never told there was two and both completely separate from each other I would of added this medical expense and been paying on it all ready. 

Will pay through XXXX XXXX XXXX as long as receiving payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Seattle Service Bureau, Inc
State: CO
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 have been trying to get National Service Bureau to remove the collection they are reporting for {$870.00}. I had XXXX Medicaid at the time of the visit which was 100 % covered. I have contacted Medicaid and verified they payments were sent to the hospital. This account shouldn't have gone to collections. I have provided this information to National Service Bureau several times over the last year and they still refuse to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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'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 explanation
Consumer complaint received 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I kept getting junk mail from capital one saying if I applied for their quicksilver card and was approved, I'd get a {$300.00} statement balance if I spent {$500.00} in the first 3 months. I applied for the card and called now, 3 months later after having surpassed the {$500.00} spend mark and was told I wouldn't get that bonus despite the many months of junk mail stating I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: SC
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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2022-11-05
Company: EQUIFAX, INC.
State: TX
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 am formally requesting with this CFPB complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting in error : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: LA
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 sent a letter on XX/XX/XXXX, to remove these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I reached out to National Credit Systems on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that NCS was in violation of a United States Code and was told that I needed to contact the original creditor to request removal. 

NCS is in violation of the following United States Codes ( as well as others ) : Title 15 USC 1681b - Permissible purpose of consumer reports Title 15 USC 1692b Acquisition of Location Information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: AMERICAN HONDA FINANCE CORP
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 account was never late, and i have already tried to send letter that was provided by honda fin svs, but XXXX is not trying to help, the other two bureaus have already removed this negative except XXXX, please have this negative removed from my credit on XXXX, the letter from the creditor is attached thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.

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 2020-07-10
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Very bad experience when trying to open an account in the phone They referred me to a branch then told me I dont live in their footprint its confusing BEVAUSE online it says I do and I just want to bank with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: SUNRISE CREDIT SERVICES, INC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Noticed derogatory mark on credit from services I never had. Called the company and they said I had an account with an internet service I can not even obtain where I live. My social security number is linked to it. Also said that I moved the service to another address when Ive lived where I live now my whole life. Not my debt, said I could only pay the debt to get it off my credit report. Im not paying it, as its not my debt.

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 2021-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was involved in a XXXX scam involving a rental property, with the scammer posing as the owner of the house, XXXX XXXX. XXXX XXXX is a real person and did actually own the house until recently. {$8000.00} was scammed from me. The first payment was XX/XX/2021 for {$2000.00}. The second payment was XX/XX/2021 for {$1500.00} then another on the same day for {$500.00}. Payment XXXX was XX/XX/2021 for {$2000.00} and the final payment XX/XX/2021 for {$2000.00}. I filed a claim with Bank of America, XX/XX/2021 and with the FBI, XX/XX/2021. Bank of America rejected the claim for the scam on XXXX XXXX XXXX XXXX citing " Our records indicated that we completed the transfers according you provided us, and therefore no error occurred. '' I believe I am protected under Regulation E, part of the Electronic Fund Transfer Act, that requires banks to refund consumers for fraudulent transactions on their accounts. The Consumer Financial Protection Bureau saying the law applies " if a 3rd party fraudulently induced a consumer into sharing account access 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 explanation
Consumer complaint received 2017-12-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collector is refusing payment on account # XXXX which has total balance of XXXX unless they secure a payment for another unrelated account that is past the statue of limitation.

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 2020-07-10
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I XXXX XXXX CEO of XXXX XXXX XXXX dba XXXX XXXX XXXX disbursed to our student XXXX XXXX a check for the FEDERAL HEERF Grant for {$1200.00} dated XX/XX/20 and it was cleared and taken from our business account at XXXX XXXX on XX/XX/20. The XXXX bank ( XXXX, Ca ) at first said it would be up to a 10 day hold. On XX/XX/20 they gave her a letter that said her account was being investigated for fraud. Then on XX/XX/20 the branch manager that the account was closed and the check was returned. It is now XX/XX/20 I have not received the funds back from BBVA and BBVA held onto my funds for 14 business days. Our student is an XXXX XXXX XXXX and I believe they started this fraud claim due to discrimination of her race. None of our other students have had any issues depositing these checks and we have sent 104 of HEERF Grant checks. The Department of Education created the HEERF grant to alleviate student financial problems during the  COVID-19 pandemic. XXXX XXXX XXXX disbursed the HEERF grants as quickly as possible to alleviate our students dire needs. The branch manager 's name is XXXX and has not been supportive or respondent. The XXXX, Ca BBVA branch is responsible for withholding government funds due to XXXX XXXX during a pandemic. This is a more detailed complain that I had submitted previously which was closed without returning the government funds. BBVA closed the complaint for not having authorization from XXXX XXXX but did not request authorization. I have attached authorization from XXXX XXXX to file and investigate this complaint on her behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: OH
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
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 fraud alerts or security freezes

Complaint:
I have tried to freeze my own, my wife and my father 's credit reports through Experian 's website, but have been denied each time, even though XXXX and XXXX approved my requests.

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 2020-07-11
Company: The CMI Group, Inc.
State: IL
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:
XXXX XXXX reported me to a collection agency ( Credit Management/CMI Group ) in XX/XX/2020 after I disputed a cancellation of service date and subsequent charges. I was never notified I was reported to a collection agency. My account with XXXX up until that time was spotless, as is the rest of my credit report. 

Additional History : After settling the dispute and making a final payment to XXXX on XX/XX/2020, I thought the matter was closed. I applied for a line of credit in XX/XX/2020 and noticed that my credit score was much lower than usual. I investigated and noted that XXXX had turned my account over to Credit Management as noted. I contacted Credit Management but was told they could do nothing unless XXXX called them and canceled the collection request - they did not offer to contact XXXX directly. I subsequently contacted XXXX XXXX, and the gentleman XXXX XXXX XXXX that was initially assigned to my case, multiple times and never received a call back. On a subsequent contact, I was referred to a department that told me that XXXX never refers accounts to collection agencies and would/could not help me further. 

With a final attempt at contact with XXXX XXXXCMI Group, with the XXXX XXXX XXXX listening in with an extra phone, a manager at XXXX XXXXXXXXCMI Group ( XXXX XXXX - she was very helpful ) stated she would cancel the account with XXXX and notify the credit bureaus to remove the derogatory report from Credit Management/CMI Group. 

I went into my XXXX XXXX Credit Report on XX/XX/2020 and the Credit Management negative report is still there, unchanged. 

I am getting ready to apply for a new home mortgage soon and need this reference removed as quickly as possible in order to improve my credit rating and credit score. 

I am very concerned about how XXXX treated me ( which I think might be illegal ), and concerned that Credit Management chose to report me to the credit bureaus without seeking my input. Do they have the right to do that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have not been able to make payments on my second loan. At the time of purchase of my home in XXXX I got an XX/XX/XXXX mortgage. On the XXXX XXXX  loan I have been delinquent since XXXX. I want to be able to settle this account but I have been trying to call LOANCARE ( servicer ) for two straight weeks and I can not get to a live representative. This is a travesty.

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 2021-05-20
Company: JPMORGAN CHASE & CO.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX I received a card from chase bank saying I opened a account which I did not. It was in my maiden name. I ended up canceling it and got it squared away with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
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:
On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.

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 2021-10-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in contact with Heartland ECSI since XXXX, since I was told to contact them by XXXX XXXX. I reached out in an attempt to secure a deferment on my student loans due to financial hardship, as I have had in place for my other Federal loans. Before that, I was enrolled as a full-time student, and needed deferment as a result. During the same time period, I have maintained all my other student loans, serviced through XXXX current and deferred for the same financial hardship. During this period, I was not able to speak with anyone at ECSI on the phone to establish a repayment plan that fit my financial situation, nor was I able to receive appropriate support via their online chat. They pushed me to mail, form after form, which I did and to no avail. Because they dont have anyone to I could talk to, I was not able to put a plan into place. 

From XXXX to XXXX, my wife and I were living in the XXXX. As a result of the pandemic, we moved back to the XXXX, in XXXX of XXXX. When I checked my credit score in early XXXX, I saw there were derogatory remarks on my credit. 

After multiple calls, I was finally able to get in touch with XXXX XXXX at XXXX in XX/XX/XXXX, who said my only option to clear the remarks was to pay the loans in full and agreed that she, XXXX XXXX and ECSI would clear the remarks if I paid. 

On XX/XX/XXXX, I paid the full balance ( XXXX ), as confirmed in by XXXX XXXX in the attached email. As a result, Ms XXXX wrote an email confirmation of the requested removal of the derogatory remarks ( see attached ). It has been well over 90 days, and I still have the same negative remarks on my credit and XXXX XXXX and ECSI have operated in bad faith, holding the negative remarks on my credit over me, forcing me to pay an amount that exceeded my budget during the pandemic. And still have not held up their agreement to change my credit remarks

Company response to consumer: Closed with explanation