BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX # XXXX {$0.00} XX/XX/XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX # XXXX {$4000.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULANT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Apparently a credit card company sold my debt to XXXX XXXX XXXX sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair credit reporting act XXXX  account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureau and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is the XXXX complaint i have filled with the CFPB and the companies didnt do anything to respond or to solved this matter. I have only recieved automated responses saying that the issued was verified as accurate but no real proof evidence of such or any invenstigation made. A lot of illegal innacuracies reported and nobody takes an action with the credit reporting company or the creditor.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-11-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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 accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently :XXXX , XXXX , XXXX My current legal name isXXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted Lexis Nexis, XXXX XXXX, XXXX, XXXX  regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had this auto loan since XX/XX/2010. Its for a XXXX XXXX XXXX XXXX. So far I have paid well over {$51000.00} dollars and still owe more on it. I did some research on Santander, and found out about money going strictly toward the interest payments. I never was told nor agreed to anything like that. This vehicle is a plain van. It doesn't even have power steering, air or heat in the rear of the vehicle. I read about the settlement that they have agreed to with lawsuit that was brought upon them. I need help in straightening this out. I AM a XXXX senior citizen. I'm not asking for pity. I just know that this is not to be right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
A few months ago, I contacted Capital One VISA to dispute several charges from a company, XXXX XXXX or XXXX, who over a 10 month period charged me approx. {$2000.00}. It started from an internet 'trial ' offer of {$3.00} to try eye serum and {$4.00} 'trial ' offer for face cream. Once it arrived, I discovered the pump on the XXXX ( XXXX ) XXXX bottle was defective and required removing the lid and scooping the goo out with a finger. The face cream was greasy and did not absorb well. I decided to phone the company to discontinue the products only to find the number XXXX to be disconnected. From that point, I returned all future unopened deliveries and labeled " Cancelled '' on each one, assuming I would be credited. It was n't until months later when I noticed the various, suspicious product names on the XXXX statements that seemed to rotate each month. These product names were XXXX ', XXXX ', XXXX , XXXX '. I never ordered additional products other than the XXXX trial offers that totaled less than {$10.00}. The first person at Capital One VISA customer service I spoke to in attempting to rectify the problem was employee # XXXX. She listened politely to my dilema and explained that Capital One would send a dispute letter to the merchant while temporarily reversing all the charges. If the merchant did not respond, the credits would hold and If Capital One VISA believed these charges to be fraudulent, all charges would remain dismissed as well. The maximum credit period was normally 90-120 days but could cover the entire 10 month period if fraud was evident. At that moment, it felt great that justice would be done in hopes that potentially thousands of other trusting consumers would not be duped as I was. My optimism was short lived as I received a letter XXXX/XXXX/16 from Capital One stating they were reapplying all the charges and if I still wanted to dispute these charges, I was to contact the merchant directly. I then contacted XXXX XXXX, also doing business as XXXX ' and XXXX XXXX ', etc. and spoke to XXXX. 
She explained they would only give me a 30 day credit until I told her I would file a complaint with Consumer Protection. She placed me on hold then returned to offer a 90 day credit. When I asked her why the change, she replied it was due to my threat to report the company to the Consumer Protection Agency. ( Frankly, I was a little surprised she would admit it. ) She e-mailed me confirmation to that agreement but did not send it to Capital One. Therefore, I did not receive the credits. All in all, I have spent over 20 hours and have spoken to 17 Customer Service people ( on the phone ) with Capital One VISA attempting to correct this cluster. The customer service supervisors were the least helpful, especially XXXX and XXXX who shared the phrase " Capital One has done everything they can ''. Really?.... and I pay 17.9 % for protection? Hopefully, your agency can be of assistance. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12
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:
I never applied for it, i don't recognize this account.

I didn't sign any contracts or agreements with this company. I believe, that somebody used my personal information and open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my account without my direct consent, in direct retaliation for reporting their mistreatment of myself as a customer to the CFPB. 

Per my first complaint, I clearly stated that my condition was to have chase confirm {$0.00} dollars owed and close the account. The language in this complaint is very clear, stating that I demand to have the account closed because I will not be paying chase anything else. 

Per her phone call " XXXX '' from corporate stated that they were simply following my request. This is absolutely false information, as here is the actual verbiage from my original complaint - " Chase bank will clear all debt in my name, and make my balance {$0.00}. They will THEN close this account, as I will no longer do business with this organization and I absolutely will not pay any more money to this organization. If THIS CONDITION is met, I will agree to hold Chase harmless for this issue, and continue with my lawsuit against XXXX XXXX without naming Chase Bank in any lawsuits. '' As clearly stated, these were not two separate conditions. Chase bank has unlawfully closed my account and permanently damaged my credit, as a result of their retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Telerecovery Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I looked at my credit report and saw Telercovery ( XXXX, Louisiana XXXX ) is reporting I never paid my bill. I have proof from hospital and doctors I paid them in full and XXXX XXXX is reporting the medical bill/debt to Telerecovery. 

I contacted XXXX XXXX XXXX and asked for proof that I owed money and why they were sending in medical bills to a collection agency and they assured me that they do not do that. 

I have requested proof of medical debt that is not paid and have not received anything. This is greatly impacting my credit and need to take action to fix that for financial prosperity purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CHALLENGE FINANCIAL SERVICES
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 status incorrect

Complaint:
This account is reporting as Closed, as CHARGE OFF? The account is UNAUTHORIZED... I HAVE Never gave XXXX XXXX XXXX XXXX, CHALLENGE FINANCIAL SERVICES, AND XXXX XXXX XXXX any Consent report on my report pursuant to 15 U.S. Code 1681 B. You must have written consent from I the Consumer... I am the natural person who is protected under the Federal law and FCRA... These companies continue to fraudulently report inaccurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2020 I over paid my Bank of America XXXX card to the tune of {$27000.00}. I have called Bank of America several times and asked for the over payment be returned to me They have made several promises to return my money to me, but have not done so.

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 2023-07-13
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX is claiming that I owe them {$830.00}. They were contacted and notified that I was a victim of identity theft. I ask for documentation with my signature authorizing the opening of this account or connecting me to this debt. After months of request - they have yet to provide these documents however they are still reporting this inaccurate information to the credit bureaus. Experian continues to verify the account but provide no proof on how they are verifying this account. Attached is the document XXXX XXXX sent me - as verification. There is no signature. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY. I AM NOT A CREDIT REPAIR COMPANY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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 status incorrect

Complaint:
This account is reporting as Closed, as CHARGE OFF? The account is UNAUTHORIZED... I HAVE Never gave XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX any Consent report on my report pursuant to 15 U.S. Code 1681 B. You must have written consent from I the Consumer... I am the natural person who is protected under the Federal law and FCRA... These companies continue to fraudulently report inaccurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, 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 spotted a " hard '' inquiry on my Equifax credit report on XXXX/XXXX/2017 from XXXX that I never authorized. I recently renewed my XXXX XXXX contract, so there is absolutely no reason I would have given XXXX my information to run my credit. I filed a dispute with Equifax and they 're telling me to contact XXXX to get this removed. I called XXXX this morning and they claimed they do n't even make hard inquiries, but that they will contact me in 3-5 days after reviewing my claim. I made a quick Internet search for " XXXX hard inquiry '' and found a large number of people claiming they had fraudulent hard inquiries from XXXX over the last few months. This seems to be a big problem that might warrant some further investigation. ( I 've attached the results of my Equifax dispute )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection was added to my XXXX and XXXX  Credit report by " Trojan Professional Services '' a collection agency representing " XXXX XXXX XXXX XXXX '' The date of service that I went to this XXXX   was in XX/XX/XXXX. On XX/XX/XXXX a collection amount of {$1300.00} was added to my credit report. Prior to this I had not received anything from this XXXX   office to remit anything owed as I had private PPO XXXX  insurance that covered the cost in full. I have submitted supporting documents from XXXX XXXX XXXX XXXX insurance to both Credit Bureaus who subsequently forwarded the information to Trojan Professional Services.  The supporting documents show the date of service and a check number and amount of check that was submitted to pay the balance that Trojan Professional Services is claiming. I have disputed this same matter EIGHT ( 8 ) TIMES and TPS is refusing to remove this information from my credit report which is damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

Company response to consumer: Closed with explanation