BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Perfection collection of Utah continues to dispense adverse information to XXXX/ XXXX . It is my understanding that Perfection collection purchases accounts from XXXX XXXX XXXX. We felt that XXXX back in XX/XX/2015 was supposed to activate our account and provide alarm services to us at approximately $ XXXX/ month. 

Since I have had equipment existing in the house from XXXX, we informed them that all we needed was a key pad change. 

After sending out a tech to install the key pad, I was astounded when I received a bill for over XXXX for equipment! 

Despite my attempt to correct this misinformation, we have not had success. 

Recently, perfection collection in XXXX, Utah purchased accounts from XXXX and now claims I must deal with them directly, despite several attempts to resolve this issue that has negatively impacted my credit. 

To date, we have not been successful. We essentially had no service with XXXX and we felt that they reneged on the contract by not telling us before- hand what the price of installation will be. 

We are asking you to review the above and tell us if you can be of help have Perfection Collection remove the adverse information that negatively impacts my credit report. 

The credit card company, XXXX XXXX investigated the charge and later removed for lack of evidence to support the claim of > {$4000.00}. 

XXXX reputation precedes that as the internet shows numerous customers who were XXXX! 

Working with other credit companies was not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: STERLING JEWELERS, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Credit Plus 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: Account information incorrect

Complaint:
There are 2 inquiries on my credit report XX/XX/18 and XX/XX/18 from CreditPlus on my XXXX credit report. I would like 1 removed as I only authorized 1 pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: HI
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 disputed this collection on this XXXX   XXXX  for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a loan with a bank " XXXX XXXX '' and was given poor credit score, which XXXX XXXX said they got from Equifax after I had them go back 2x to review their files. When I inquired with Equifax on XX/XX/18, I was not given information I requested. I was told they can not give me my credit score. I went through 30 tortuous minutes of identification and they had my wrong address even though I've been living in the same house for 15 years and dozens of credit accounts. After I spent half the time identifying myself and the other half trying to resolve, I was told that they had looked at my file and COULD NOT identify anything derogatory in it. This stemmed from all my credit score monitoring saying me I had a scores north of 780 and Equifax reporting that it was XXXX. I requested to speak with a supervisor since they would not give me my score or resolve the discrepancy. As of the submission of this complaint, I have been on hold for 1.5 hours and counting ... ... This system is wrong, broken, and another symbol of big Corps controlling the process and the rules to the detriment of the citizen ... .Please have someone respond to me to tell me what can be done about this extremely poor service and I can not resolve why Equifax gave the wrong creditscore to a lender and I can do nothing about it!!! thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

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 2017-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received yet another marketing email from Bank of America ( BofA ) for the BofA app. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I documented numerous attempts prior to XXXX/XXXX/XXXX to have BofA stop sending me marketing email, specifically marketing email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XX/XX/XXXX, Please allow up to 48 business hours for the changes to be fully effective. In addition, please be advised we have recorded your request again to no longer receive solicitations from Bank of America. After their response to me on XX/XX/XXXX, I received another marketing email from BofA about the BofA app. On XX/XX/XXXX, I filed another complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I pointed out that BofA did not honor their commitment to me as stated in their response to me on XX/XX/XXXX - the commitment to discontinue sending me email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, While our enclosed previous response confirmed that the Do Not Email privacy choice was previously captured twice, a third Do Not Email privacy choice request was captured on XX/XX/XXXX. All privacy choices are honored within 30 days, with the exception of Do Not Mail requests which could take up to 12 weeks. In their previous responses to me, BofA considers the endless marketing of the BofA app as being part of my account ( and part of my account agreement with them ), and thus not marketing. However, as BofA well knows, the BofA app merely functions as an add on product and/or service. A product/service that BofA is well aware I dont need and dont want. Yet the BofA app continues to be aggressively marketed to my XXXX inbox. BofA has shown, time and again, they will continue to not honor my preferences, and not honor their commitment to me. This is exclusive to BofA. No other bank I do business with has ever done this or currently does this.

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: EQUIFAX, 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 status incorrect

Complaint:
XXXX is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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 status incorrect

Complaint:
XXXX is showing a high balance of {$8000.00} on my Trans Union credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.

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 2019-05-23
Company: EQUIFAX, INC.
State: NC
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:
A hard inquiry showed up on my credit report from XX/XX/XXXX from XXXX XXXX   and I have never talked to XXXX XXXX. No good phone number to contact. I did dispute with equifax but they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the nature of my complaint is simple, i have 6 items on all 3 of my credit reports from Tenet health,  Central financial control, original debt was from XXXX hospital XXXX XXXX. for reasons i can not answer, my father used my information on these visits in question ( I am A XXXX so we have the same name ) to XXXX  hospital. as a result, these debts belonging to my father, were summarily placed on my credit bureaus. i have made several disputes on these, both with the credit bureaus, and the collection agencies, each time they say the information is valid. i just today learned of your class action settlement with Tenet, I do not know if i can still file a claim, if so i would love to. otherwise, i may have to try filing small claims suit myself. is there anything else you folks can help me with in this matter? i have done everything i know to do, and i have done them several times, to no avail. thank you in advance for your time and consideration. sincerely, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
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: Information is incorrect

Complaint:
My bank wo n't update my account information like they should with active hours so I can cash out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: HI
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 disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This situation has been resolved, but I wanted to report my experience in case other people are having similar problems with this company. 

I received a call on XX/XX/XXXX that the mortgage I paid on XX/XX/XXXX was short approximately {$60.00} - this was due to an escrow underpayment because it had changed the previous month and I was unaware when originally making the payment. They told me that they held my XX/XX/XXXX payment in credit for the past 23 days, and that my payment was now considered late and that I would be charged approximately {$140.00} late fee because of the {$60.00} shortfall on my escrow. After some arguing, they waived the late fee, and I immediately paid the shortfall. I have concerns about the predatory nature of this company on others.

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I created an account with XXXX XXXX to purchase a car. I got pre-approved, took my approval letter to a dealer XXXX XXXX to purchase a car. They said they had to verify the content and would see if I can get a better rate than what I was quoted. Without my knowledge or consent, they shopped around my information to multiple sources resulting in multiple inquires. I called them and they said that I approved that but I told them it was never made clear to me that they would run my credit multiple times resulting in 4 hard inquiries and that I would never agree to that if I knew what they had planned to do. I didnt know this occurred until I just got a copy of 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 explanation
Consumer complaint received 2017-07-01
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I am in a XXXX program for XXXX XXXX studies. I applied for an XXXX loan at Discover and was denied because I am not a degree-seeking student. I called Discover back for the second time and spoke to a woman on the phone and explained all of these details in depth to her. I explained I was technically a XXXX XXXX, was technically an XXXX but already had my degree, etc. We spent I would say 10-20 minutes on this recorded phone call. In the end she said Discover could in fact help me out based on that information and to go ahead and apply for a XXXX loan. I did so, was approved, and had my mother co-sign on the loan. Because of this we each had hard credit checks ran so we have added inquires on our credit reports. After more time I did n't have to lose financially had lapsed and some added pressure on my school, I found out that Discover in no circumstances whatsoever loans to XXXX/non-degree-seeking students. On top of that, Discover themselves never sent an e-mail with the information that I was denied or sent an account notification that would have generated an e-mail. I now have no student loan, have to apply somewhere else again, lost precious time, and an extra inquiry on my credit report all because of a Discover employee. I expect the company to do anything they can to retract the credit inquires from the companies as to not damage my credit score and that of my mothers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Have no knowledge of this company Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Pulled my credit then would not return a call back as well as pulled my credit after another applicants application was already approved for the leasing. 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX Why was credit pulled twice within 2 days? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of applying for credit on XX/XX/XXXX Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Already had loan with company and they would not work out alternate payment arrangements during a financial hardship period Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX Inquiry Date XX/XX/XXXX Paid off this loan, why pull my credit after loan was paid off? 

Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or giving them permission Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Why pull it all those times when I already had credit with the company? 

Inquirer Name XXXX/XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit

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 2017-07-01
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: Information belongs to someone else

Complaint:
I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2018-06-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Never received notice of the debt until after it was reported to credit agency. Contacted company immediately and paid debt, of which I was told I would recieve a confirmation email statement. I never received that. I called back and then I was told I would not receive a payment statement and that my bank statement would serve as my receipt. I submitted a dispute with the credit agency to have the collection account removed from my credit report and now the company who reported it will not remove it and states it is accurate as it stands even though the account has been paid in full. The problem is I only have a bank statement to show as proof of payment but no actual receipt from the company. So I am stuck with a collections account on my credit and again the company refuses to state it was paid or have it removed.

Company response to consumer: Closed with explanation