BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call and all they would state is they had a personal matter for XXXX XXXX They asked if my birthdate was in XXXX. They did not state who they were and would not answer that and wanted me to finish my full date of birth if I was XXXX XXXX When I refused as I stated I had no clue who they were and don't feel comfortable giving my personal information out, the caller ( female ) got extremely rude to me. And in a yelling tone kept harassing me as to if I'm XXXX XXXX and what is my full date of birth. She then asked where I lived. I said I'm not answering that either. She asked if I ever lived at a former address she noted. I said until you tell me who you are, I'm not answering any of your questions. She would not state who she was ( what company she worked for ).  She got extremely rude at that point, raising her voice and ridiculed me, continued to harrass me for personal information. She has since called again and continues with her rude tone asking for my full date of birth. 
I called to complain and the person that answered stood behind their employee and did nothing. They are now harassing me via email. 
She is from the Stark Collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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 is missing that should be on the report

Complaint:
XX/XX/XXXXXXXX XXXX erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the XX/XX/XXXXXXXX XXXX Visa, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke with XX/XX/XXXXXXXX XXXX last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!

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 2020-05-12
Company: SYNCHRONY FINANCIAL
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 noticed 4 inquiries that i didnt not make

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 2020-05-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020 a fraudulent, full ID theft occurred, as a transaction initiated with USAA resulted in a withdrawal from my checking account with XXXX XXXX. 

An amount of {$3400.00} was taken out of my XXXX XXXX checking account. 
The information identified that the amount was taken by someone who gained access to my personal information with USAA. I was sent an alert by USAA, but I did not pay attention to the full information and action necessary on the e-mail. My fault. The perpetrator used an umfamiliar computer and USAA sent me a message, again, which I did not pay the necessary amount of attention to. There was an e-mail telling me that my e-mail address change was being requested. I did not follow the information provided and immediately call. This was a costly error on my part. I was uncertain if the source was real and wanted to avoid a spam occurrence on my computer, or be subjected to a phishing occurrence. So, I simply deleted the e-mails. Wrong action, again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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:
fair credit report act violations : not mine : XXXX XXXX  XXXX XXXX XXXX, TX 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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TRANS UNION AND XXXX ARE SHOWING LATE PAYMENTS ON MY XXXX XXXX ACCOUNT WHICH WAS CORRECTED BY XXXX XXXX AND UPDATED INFORMATION WAS SENT OUT TO BOTH BUREAUS. THESE LATE PAYMENTS MUST BE UPDATED AND CORRECTED 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 non-monetary relief
Consumer complaint received 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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, CAPITAL ONE requested and obtained my XXXX consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. I have attached a copy of the subject inquiry.  Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. 

CAPITAL ONE conduct has violated my privacy and I am very upset by the privacy invasion. I am prepared to sue CAPITAL ONE for statutory and punitive damages, costs, and fees. However, I am open to resolving this matter via a prompt, amicable resolution. Accordingly, I offer to settle my alleged legal claims against CAPITAL ONE for {$1000.00} U.S. To accept, {$1000.00} U.S. must be delivered to my address above by XX/XX/XXXX. Note, settlement of this claim shall carry no implication of liability or culpability. Your failure to accept this amicable demand herein may result in me filing a lawsuit. 

Due to the nature of this allegation, I have copied, and this letter shall also serve as a formal complaint to, the Consumer Financial Protection Bureau ( CFPB ) and the Alabama Office of the  Attorney General Consumer Protection Division.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: PA
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 disputed through Equifax the following account because the account is past the 4 year statute of limitations by PA law for collecting medical debt. A comment was added to my account, but it was not removed and I continue to receive calls and mail from XXXX XXXX. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX PA Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$240.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$240.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened an account with SYNCB/B & XXXX account # XXXX I never received any bill from them. I was awaiting my first bill to make the payment. As soon as I was informed that a payment was due I quickly made the payment over the phone to avoid any other issues which I now see had impacted me in XX/XX/2020.

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 monetary relief
Consumer complaint received 2020-11-20
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
They have my card locked and they say they cant unlock my card for me to receive my money. Im on the verge of being homeless due to me not being able to pay my bills end Im hungry.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: PA
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:
This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, XXXX, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on experian, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the XXXX data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.

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 2020-08-28
Company: EQUIFAX, INC.
State: PA
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:
This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, equifax, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. XXXX will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I've recently reached out via certified mail to XXXX XXXX and TransUnion about providing validation for an U.S Bankruptcy  XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt

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 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was compromised and my debit card was also stolen. I did a dispute with my bank and they gave me the money back temporarily. 

Now they are threatening that they are going to take the money back on the XX/XX/XXXX of this month. They are claiming that " the activity was authorized '' but I never authorized any of this.This is not fair!

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 monetary relief
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The credit companies are not complying with their own policies in a timely manner. 
I submit letter XX/XX/XXXX and havent gotten a response yet

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 2019-10-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2012 the IRS deposit my tax refund into my wells fargo account on XX/XX/2012I notice that my monies was gone I went to bank and reported wells fargo closed account sent me an email stating they will investagate the account nothing never happen went to bank and showed them ID they couldn't find account called complaint reported they send me statement that my account closed on XX/XX/2012 which is not true it's imposable for the IRS to send check would of been return as close account and the IRS will have to mail me refund the IRS noted they didnt get check bank account information and routing number match number I would like to get my money back.

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 2021-06-28
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have three credit cards. Both XXXX and XXXX are showing all my opened accounts. But Experian is not showing any of my account. 

I called all three credit card companies ( XXXX XXXX, XXXX, XXXX XXXX ) multiple times and they confirmed that they are reporting my credit history to all three credit bureaus. 

I called experian multiple times in XXXX, XXXX and in XX/XX/2021 - they are saying that they are not receiving any report from any of the credit card providers. 

Out of three credit bureaus, I am facing this problem with Experian only. I am following with my credit card providers and experian since last four months without any result. 

I need your kind help to fix this problem.

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 2021-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have had no personal communication with this company other than an occasional letter. 
I had a collection account reported that was just recently removed from my reports due to it aging off. It was removed directly by the credit reporting agency a few weeks ago. Today I got an alert that a new collection has appeared. They didn't report it as a collection account. They reported it as a regular credit account although it says collection. 
Now they say it will remain until XXXX of XXXX. 
If it was removed from the report by the credit reporting agency as per the information given them by the collector, how can they turn around an report it again as a regular account? Probably because if they reported it as a collection it would have been caught and not allowed to be re-reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XX/XX/XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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 repeatedly tried to log into my BOA account in order to schedule my payment for XXXX. BOA keeps stating they are sending out a numeric password to validate the login and they never send it. I have repeatedly sent in requests today for it to be sent to the e-mail address on file as well as a text to my cell phone number. Nothing is sent. 

I am requesting Bank of America fix their technical problems so I can properly schedule my payment.

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 2020-08-28
Company: Mercedes Benz Financial Services
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Professional Services of NY, Ltd.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've received bills from what now is Professional Services of # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX. This is a fraudulent company that overcharges and my insurance doesn't pay the exorbitant amount which is out and out deceptive. I have records of payment made and it was {$1400.00} for this and now {$2100.00}. I am arguing my insurance has paid and this is not owed. The company has numerous addresses and I don't believe it's legitimate.

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