BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XX/XX/XXXX and Equifax are still showing incorrect information. It shows that Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was discharged and satisficed by the courts years ago!! And should have been removed I was educated on by the courts would fall off after being discharged. After starting a business with a bad partnership failed I was left caring more debt then I could handle and was recommended by my lawyers to file. I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an boosted my FICO score with XX/XX/XXXX because they have complied and removed the BK earlier this year when they should have and were supposed too. It's been discharged and satisficed by the courts since XX/XX/XXXX. This needs to be updated and removed from XX/XX/XXXX and Equifax as soon as possible to start reporting accuracy and not outdated false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  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 explanation
Consumer complaint received 2020-10-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I contacted Suntrust and they said my account is frozen and will be closed after an investigation. I had this happen prior when I had my relatives UE and stimulus check deposited with their permission. I recently deposited a XXXX XXXX insurance check of amount of XXXX. This is my daughter who lives with me and her name was on the check along with mine. They did not tell me my bank account ( *savings and checking ) were frozen until I called them. They are investigating for fraud. I have not deposited any other checks into my account. I opened another account for my relatives UE at XXXX XXXX XXXX in which I help him manage his funds. I have a signed authorization from him that was previously submitted. I have to pay my house payment by the XXXX and I have no funds to pay this with. I have also been diagnosed with XXXX XXXX and just finished treatment and I am a single parent. This money is vital to our well being. Can you please check on why this is happening for 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 non-monetary relief
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: NV
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX,XXXX XXXX,XXXX,XXXX XXXX XXXX,XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: NJ
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 HAD A CHNACE 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Direct Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received several calls about this 10+ old debt. I have instructed them to not call me. They continue to do so. They also spoke with my relative about this debt. This relative does not live in my home and I am unsure how they even got the number. But they were very detailed in giving them the information to pass on to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I applied for a Capital One Credit card and was approved for a credit limit of {$15000.00}. Since that time, i have used the card here and there. Lately, i have been in the process of looking and buying my first home. I was instructed not to use my cards, or use them as little as possible. While in the middle of getting approved for loans on my home, it was brought to my attention that my credit had dropped because of Capital one ( without notice or contact or acknowledgment from me ) decided to lower my spending limit from $ XXXX down to $ XXXX DUE TO NOT USING IT ENOUGH!!!!! This is absolutely unacceptable. I paid my balances on time, and have never been late with the company. Now because you woke up one day and decided to mess with my credit, my home loan was changed around and had to be restructured and much more costly due to my credit rating decrease that was caused by Capital one. Upon my calling of customer service, i was rudely told it was my fault and there would be nothing Capital one will do because it is in my fine print that Capital One can do whatever they want to my account. The rep was completely unhelpful and made the situation even worse. Also refused to allow me to speak to ANYONE above him. That he was the final decision maker in this matter and there was nothing he or capital one would do to help at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
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:
On XXXX XXXX Fair collections and outsourcing, added a derogatory mark on my crredit report per XXXX XXXX, upon further research, this account was transferred /sold and iam no longer responsible for the account.Debtors creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, aFair collections and outsourcing has violated my rights as a consumer and i'm requesting legal action to remove this 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 2019-03-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$5000.00} via HSBC branch located in XXXX NJ into an XXXX Companys XXXX XXXX   checking account on XX/XX/2019. XXXX XXXX requested XXXX information from HSBC and which was never provided. I requested return of funds on XX/XX/2019 from HSBC. I am still waiting for the funds. XXXX XXXX  has not received any request from HSBC for the return of these funds. I can not speak to the wire department directly nor I am given any update on where HSBC stand in recovering my funds. I need help in recovering my money that XXXX and XXXX XXXX  owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: MSCB, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint against MSCB INC for attempting to collect a debt that does not belong to me. On XX/XX/2021, I received a letter from MSCB INC, stating I had a past due balance of {$96.00}. This letter was sent to me in error as I am not XXXX XXXX XXXX. Also, I do not have any outstanding balances with " XXXX XXXX XXXX. '' Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request MSCB cease from contacting me regarding this invalid item as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Suntrust has lied to me and told me that funds for a check were being held due to “inside banking information that the funds would not clear” for my BUSINESS ACCOUNT.  This was AFTER I told them I did not want to have a banking relationship with them as well as AFTER the funds were already cleared the next day which allowed me to pull the balance to transfer out and make a XXXX balance.  On top of that, they have the nerves to apply fees to my account for their lie.  I wanted to close the account to begin with due to inconsistent information given to me and bogus overdraft fees for small amounts to my account as low as a $XXXX for a $XXXX charge as well as picking and choosing which transactions they want to go thru on the account to apply numerous fees.  I have stated many times before to them, if the money isn’t there don’t allow the transaction to go thru but they keep doing it to get more and more money.  Over $500 in fees in one month alone!!!  I am not only sending this complaint to XXXX but CFPB and collecting others to join in on a class action suit to file.  They are ridiculous and liars.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: VA
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX and XX/XX/XXXX my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of BusinessXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a loan with CAPITAL ONE. 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 and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
My credit card was declined and no reason given. I contacted the company. They advised me that nothing was wrong with my credit card account, and that I should try again. I did so and was again declined. I contacted the company again and they said, well actually we don't service that account anymore. " We transferred it to XXXX XXXX. '' They advised me to call XXXX XXXX I did so and was told that they don't have an account that was transferred. I have called several times. Now Chase insists that I never had an account with them. I saved one of my statements and will attach it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
My intention is to file dual complaints with Equifax and Attorney General of Texas Child Support Division and if necessary, seek damages for the management of this account. Last month I addressed the issue with the Attorney General and payments quickly cleared late payments. Less than 30 days insufficient payments and late payments are being reported. Ive now had credit cards denied and limits reduced due to this negligent reporting. 
I do not understand the miscommunication but now that I need these credit lines for my XXXX  and are having a direct impact on my lively hood and will no longer be tolerated. 
The Attorney General set precedent for how it reported and I was able to re-establish credit. This allowed me to improve my employment, XXXX, and overall financial wellbeing. Now its recent reporting the last 12-14 months threatens to destroy what I have worked so hard to restore. 
I understand and respect the purpose and need of the Attorney General Child Support Division. I have to believe that the intention of this office is not to damage people who have taken responsibility and are doing everything possible to right their wrongs by making timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield & Associates contacted me about an ambulance bill from provider XXXX XXXX XXXX ( XXXX ) a few weeks after XXXX provided service to me. The date of service was XX/XX/2017. XXXX ( later ) admitted they never sent an invoice to my residence because my insurance had already arranged to pay, as I expected they would, though I was unaware of that fact at the time. 

I was surprised because every other bill I had from that day was covered by my insurance. Wakefield told me to get paperwork from my insurance and forward it to Wakefield so they could bill my insurance. After waiting hours to speak with my insurance provider ( at Wakefield 's behest ), who told me that they did not issue out that paperwork, Wakefield called me again, and I advised them the provider did not give out that paperwork. They then told me to " speak to somebody else at the insurance company. '' I told Wakefield to speak with the insurance provider, which they refused to do, and the call ended with Wakefield stating that there was no resolution between myself and Wakefield. 

I called XXXX to verify that this bill existed, and to question why it was immediately sent to collections. I was told then that it was already paid by my insurance provider, that the matter was handled, that they would NOT call off the collection agency themselves, that I did NOT need to proactively address anything further with the collection agency, and to merely inform the agency the bill was paid if they called again. 

I do not owe any money to XXXX, who has already collected on that debt, or to Wakefield by any right, and I am not happy with the status of this matter because I believe my credit might be adversely affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX XXXX : XX/XX/2018

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 2018-04-03
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: Account information incorrect

Complaint:
Equifax, XXXX  and XXXX credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: ND
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:
Equifax should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported in duplicate. It is a violation of the Fair Credit Reporting Act to report the same account twice. The FCRA mandates a credit report must reflect accurate information. This false reporting of repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation