BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: IL
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/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. On XX/XX/2019, a security freeze was placed on my file with XXXX XXXX XXXX. 

On XX/XX/2019, I sent Equifax an certified letter and attached a copy of my drivers license and social security card with signature. In the certified letter, I requestded verifiable proof they have on file regarding the bankruptcies listed on my report. 

On XX/XX/2019 Equifax sent confirmation ( # XXXX ) with the following response : WE HAVE REVIEWED YOUR CONCERNS AND OUR CONCLUSIONS ARE : A NON DISCHARGED/OPENED OR DISMISSED CHAPTER XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE FILED. THIS SECTION INCLUDES PUBLIC RECORD ITEMS EQUIFAX OBTAINED FROM LOCAL, STATE AND FEDERAL COURTS THROUGH A THIRD PARTY VENDOR, XXXX. PUBLIC RECORDS CASE OR ID XXXX - XXXX, # XXXX AND # XXXX WERE VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY If a security freeze was placed on my file with XXXX XXXX XXXX on XX/XX/2019 ; How did Equifax obtain information from XXXX to complete report ( Equifax confirmation # XXXX ). United States Bankruptcy Court does no business with the credit reporting agencies. How did Equifax obtain their findings. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Firstsource Business Process Services, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from one advantage regarding alleged medical debt, asked for verification / substantiation of debt, nothing was produced.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, This letter shall sever as a formal and last notice of my intention to file suit against Transunion in small claims court due to your blatant disregard of the law, by reporting false information to my credit file. I am disputing the account listed below, I previously disputed the account information as being inaccurate. I asked you to provide me with a full debt validation, which I should have received in 30 days. It has been well over 90 days, and I understand that you are unable to verify this debt because it does not belong to me. XXXX  suffered a major security breach ; this breach leaked the personal data of over 143 million Americans. Due to this breach, my information was affected, my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission. 

Due to your company not responding to me with in the legal timeframe, for my safety I have moved forward with filing a report with the FTC and the CFPB. I have also filed a civil suit against your company, my lawyer has advised, if this information is not removed from my credit file within 8 business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. XXXX  was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against XXXX, I am waiting on the results of this claim. You may search the following in a browser. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated phone calls from CBE Group which I discovered is a collection agency with many complaints against them for harassing people and trying to collect fake debts. 

The latest phone call just happened on XX/XX/2020 at XXXX XXXX  from XXXX which is obviously a " spoofed '' number, they are not located in XXXX Ohio. 

They won't leave a message, or a phone number, or a contact person. Sometimes it's just heavy breathing on the message. 

There haven't been any communications in writing so that I would know why they are calling me. 

I don't owe any bad debts and there are no collection accounts. I checked the three credit bureaus and there aren't any collections. 

I want these people to stop harassing me. If they had a valid reason to contact me they would have put it in writing instead of scaring me with heavy breathing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TRANSUNION CONSUMER INTE REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX  XXXX  XXXX  VIA XXXX  XXXX  REQUESTED XX/XX/2020 XXXX XXXX XXXX VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX  WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING. 
MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was sent a letter from an attorney stating it was an attempt to collect an over due bill in the amount of {$2600.00} for some home design project. The claim is that I open this account in 2005. the problem I have never had a home design account with anyone. They also said this account was purchased by another lender. After speaking to the bank I called XXXX  and spoke with them and XXXX  which in turn started an investigation. the investigation took 60 da.  At the completion the claim was it has been verified that this account belongs to me. This does not belong to me and I had absolutely no knowledge of this until notification. Then I started my on digging and found my social security number and name XXXX XXXX and XXXX XXXX listed on my credit report I have never these also the birthday as XXXX which is not correct. The account is with synchrony bank some where in XXXX and also claims I have an apartment in XXXX, Texas. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
These items on my credit report I had nothing to do with.

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 2020-10-13
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:
Inaccurate information being reported FTC, FCRA and FDCPA violations FTC attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was charged overpriced, the amount of {$940.00} by XXXX XXXX XXXX, California, XXXX, For service change oil, and check Engine light, ( service does n't cost More than {$120.00} ) My Chase Bank been sided to the Merchant, and overdraft my business checking account, until This minutes, and it is not willing To solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX, I have been trying for several months now to get transunion credit bureau and XXXX as well to report my XXXX XXXX credit card information onto my report I have contacted XXXX XXXX several times and they assure me that they are and have been reporting my information to all 3 Bureaus Transunion included, and have sent me copies of the information of the dates etc. that they have been reporting .However when I forward this information to Transunion the only response I get from them is Letters stating that I am correct this information is not on my report. I have been very clear on what I need done and have sent them copies of the information ( letters from XXXX XXXX ) showing all pertainent information. The problem is they continue to ignore what the letter states that needs to be done and again all I get back from them ( TRANSUNION ) is That I am correct my information from XXXX XXXX is not on my report .Just and FYI, I am a XXXX Veteran XXXX XXXX XXXXXXXX and am trying to purchase a Home for my Family my score has been calculated by the mortgage company to increase to the score that I need to be able to purchase my Home for my Family this calculation ( score ) comes with XXXX XXXX information being reported on my report. XXXX XXXX is doing there part however Transunion is dropping the ball on this issue and I would like to get this rectified A.S.A.P. TO ACCOMPLISH MY DESIRE TO PURCHASE A HOME FOR MY FAMILY .IT HAS BECOME VERY FRUSTRATING AND I NEED YOUR ASSISTANCE IN THIS MATTER IMMEDIATLEY THANK YOU XXXX XXXX XXXX LAST 4 OF MY SOCIAL IS XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/XXXX CARD NUMBER INFORMATION ON REQUEST PHONE # XXXX XXXX XXXX PHONE # XXXX XXXX XXXX BACK UP #

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been working with a company that is reporting incorrect information to your credit bureau under my social security number. Upon reviewing a copy of my credit report XXXX is saying that I owe {$380.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!

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 2018-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fcra violation name are inaccurate making credit information inaccurate

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 2021-03-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Spoke with Freedom Mortgage on payment of property taxes not being paid from impound account to XXXX XXXX XXXX Tax Assessor on due date of XX/XX/2021. They told me they will not pay them until a day before they become delinquent with the county. 

Freedom Mortgage is upset I am doing a re fi with another mortgage company for a lower interest rate and they are harassing me and my family. 

I paid my home owners insurance in advance for a year and they did not inform my mortgage company that I did that. 

My wife received several harassing phone calls from the Freedom Mortgage about my month payment which is paid every two weeks by payroll deduction directly to Freedom Mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Key 2 Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
After I questioned the company 's process on settlement of my debt, the representative snapped back at me, cutting me off, and telling me that I was rude and disrespectful, then hung up. ( After I called the collector and made a generous offer to settle my debt which was immediately not entertained. ) I immediately felt harassed and lied to about my own behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: IN
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 the victim of identity theft and i share the same name as my father so his debts are appearing on 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 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was given the prequalification letter by bank of america and ask me to look for property and get the contract signed. I looked over the property..put an offer ... my offer is accepted ... did the contract ... did the house inspection and sent all the documents to Bank of America . 
When everything is done and also i put down money on it..the bank tells me now that i wouldn't be even qualified for. 
All the information given are true and correct on my behalf.The played with me..and i have lost all the money.

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 2020-02-06
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt of XXXX to M Leonard and assoc. about 4 months ago. I have spoken to a XXXX XXXX at the company whom has been no help. according to her my paid debt can not be removed because she says I made an arrangement and did not keep it. I did call back to pay the debt in full and made the payment. They were very nice taking the payment and had mentioned it will fall off my credit report as paid. I assumed that was to be removed. Now because of this still showing on my credit report as a paid collection I can not live the American dream and purchase a home for myself and 3 kids. I have attempted and pleaded with this company to have this removed and they will not and in turn are always snarky and rude. I have called XXXX XXXX group which is the original creditor and they wish they can hekp but since it has been sent to leonard and assoc they are unable to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello in XXXX of 2020 I tried to open a bank account. I was told that I was not able to due to me being in XXXX and XXXX XXXX by Bank of America. I found out someone had used my social security number and other personal information to open a bank account with them. I let Bank of America aware of the fraud account and that I didn't open said account they sent me a identity theft avidadit to file our which I did to the best of my ability. I sent in a copy of my identity theft report as well to prove that I didn't live at that address and it wasn't me. They sent me a letter back sending my identity theft claim. They pretty much told me they are not going to remove this negative account off my records and that is my problem. 

I want bank of America to take this fraudulent account off of my records so I can be able to move forward with my life.

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 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
After speaking with 3 representatives including a manager, my issue went unresolved. 
Capital One did not want to take responsibility for not providing the total accrued balance at the time I went to make a full balance payment. My statement amount said {$9600.00} with due date of XX/XX/XXXX. I paid an amount of {$9700.00} on XX/XX/XXXX as that is what their website had as the " current balance '' with all intentions to pay off the card in full with interests that reflected the higher amount than my statement. 
I knew that higher balance I was paying included interest and I know that I am responsible for that interest which I had no problem paying. My issue is that 7 days later I was charged an amount of {$140.00} of interest charges. No where in their payment processing options is there a disclosure that my " current balance '' may not be up to date. Consumers are not aware with this at the time of clicking on " current balance ''. Therefore there is not an updated " current balance '' nor does it state on the payment option prompts that the current balance may not reflect what the " pay off amount '' may be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: GA
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:
This account is inaccurate XXXX XXXX XXXX I'm unaware of this account and did not receive notification about of debt. Validate Prove it with a wet signature that this debt belongs to me. This information is inaccurate and an FCRA violation Also, please provide Validation of Debt and Method of Verification. Please honor all request of documentation.

Company response to consumer: Closed with explanation