BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: American Credit Bureau, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was initially contacted by American Credit Bureau on XX/XX/2018. I responded the debt was fully paid to the dental office, erroneous charges should be removed, show why my personal XXXX payments from my XXXX spending account are not included on the billing and to provide license information and if the XXXX XXXX  is licensed to conduct business in Colorado in writing. 

I received a response again on XX/XX/2018 demanding payment from the collection agency and no entity information. Also, again no personal payment info provided on the copy of the billing statement provided. 

Again, on XX/XX/2018 I received a payment demand letter. The billing statement was adjusted for items I requested be removed. And the billing clerk admits that they no longer use the billing management company during the time of my dental service. 

I am requesting the collection agency cease and desist contacting me until the foreign entity information is provided to me in writing and the dental office provide the correct billing to include my XXXX XXXX account statements because the copies of the billing statements are incorrect and incomplete.

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 2023-09-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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 requesting the Credit Bureaus to please REMOVE the items I listed on this complaint and the previous complaint I submitted. As to be certain that my credit reports will be accurate, and the inaccurate negative items will stop harming my credit file. I NEED the Credit Bureaus to see the list below and please remove the items I listed below : 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 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 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 2018-06-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Phone calls started just 5 days after missed payment of XX/XX/XXXX. I requested not to be called, and stated I would set up a payment online. I have set up a payment online that includes XX/XX/XXXX of {$74.00}, and XXXX 's XXXX payment. My payment is set up for XX/XX/XXXX. I requested verbally on the phone to stop calling, and I sent an e-mail through the correspondence option on the Chase site not to be called. The calls are still ongoing, and they are repeated, calling every hour, every single day. I've also explained that it is causing XXXX XXXX and XXXX, and they refuse to stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit fileXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX

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 2018-12-19
Company: Experian Information Solutions 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 loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, Wednesday I received an email message from Amazon, secured my card, saying, Great job! You're now eligible to activate the Store Card features. I excepted the offer. I had problems with the link in the email to accept the offer for the upgrade Amazon Storecard. Synchrony Bank runs both cards. I had to contact them five times to finally got the right department staff. They said they needed me to verify my identity, so they gave me a website link to go on to verify my identity. I have been a customer of their Amazon-secured card for about two years, so I was a little confused. Still, they said this upgrade Amazon Storecard is a much better card, and I get my security deposit back from the secured Amazon card, and a new card will be mailed out to me, the Amazon Storecard. The link they gave sent me to a website to verify my identity with my ID. I kept trying to do it, but the system said my lighting was not good. So it wouldnt let me keep trying, and the representative from Synchrony Bank on the phone said I would get a letter in the mail in the next 7-10 days. The letter came, and they declined me because, unfortunately, based on the results, those checks they did could not verify my identity. I dont understand why you say that when I have been a good outstanding customer for about two years. I did had a credit alert on my credit reports with three major credit agencies to contact me if anyone apply for a new credit the same phone number with Amazon Synchrony Bank is the same number of my credit reports to contact me. I told the representative at Synchrony Bank is that the reason for all this security concerns.

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 2018-04-16
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX Talk to XXXX XXXX about the debt i paid in full with XXXX XXXX XXXX was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to 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 2017-08-17
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX XXXX XXXX Can send these in as well once I get them scanned.

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 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
In XXXX of this year had got a short term load with Bank of America. I notice a few weeks afterwards another account appeared on my online banking. At first, I thought it had it correlated to the loan, but shortly after I paid the load off it was still active and this probed me to investigate. Also, I had started to accrue maintenance fees ( {$4.00} monthly ). I paid them from XXXX to XXXX. Fast forward to XXXX, I have been trying to get this account to close, but none of the representatives I talk to can seem to do so. I've gone into one of the local branches and they couldn't help either. Plus, I asked for a refund for the maintenance fees, they agreed the account was fraudulent and were going to refund the maintenance fee. They only refunded me two months and they put that on the fraudulent account, which I can not access because its a credits only account. I talked to 8-10 representatives who only transfer my call around. It shouldn't take two months to close an account that I didn't open in the first place. Thanks for your assistance.

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 2023-04-15
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, XXXX My wife and I traded her XXXX XXXX XXXX in on the XXXX XXXX Total payoff for the XXXX was {$5500.00}. XXXX The dealership gave us {$4000.00}. We also put down {$500.00} as well. The purchase price for the XXXX was {$26000.00}. The loan interest rate is 14.95 % so it cost {$15000.00} in interest payments for the life of the loan which is 72 months which brings the total amount financed to {$44000.00} for the vehicle.The payment for the vehicle is due on the XXXX of every month. Global lending services starts calling me and my wife by the XXXX of the month every month XXXX times a day sometimes more. They have went as far as calling our next door neighbors and threatening my wife that she had no rights and they could do so as it was legal. Upon having the vehicle for less than a year XXXX was forced to issue a recall on the transmission due to a software error that caused the engine to stall and increasing the risk of crashing. I had made several attempts to get the vehicle in and have been told that service departments are backed up. My wife was on her way to work on XXXX XXXX when a vehicle went to merge into her lane without seeing her causing my wife to slam on her brakes which caused the car to shut off which locked the steering and she was almost hit by a semi truck behind her as well as XXXX beside her. Thankfully both semi truck drivers avoided her by XXXX knifing their vehicles in the middle of the interstate. My wife is terrified to drive the vehicle now due to the constant issues with the transmission causing the engine to stall as it has happened a total of 7 times. I went to trade the XXXX in on something else and am told the pay off for the XXXX is {$30000.00}. This company is a predatorey loan company as they refuse to reconcile the loan terms or anything besides constantly having different employees call my wife with different dollar amounts due even if the payment is on time. I have all original loan documents as well as statements from neighbors of the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from a female who told me I owed money and needed to pay immediately. I said that didn't make sense, I wasn't aware of any money owed and always pay my bills. She said my address was something different but similar and I corrected her and she said she updated my information. The woman was very rude. I asked the woman to mail a bill or statement to my address so I could ensure the debt was valid, it was not for a service I had requested or was aware that I had received. I never received a notice/bill/etc. I noticed my credit score had dropped so I requested a credit report and this was on it. I do not think it is a good practice to request money over the phone without sending a bill or statement. It seems fraudulent and they may have me confused with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, CITIBANK, XXXX, FL. I opened the Citi Priority financial products Interest Checking and Citi Savings. 

On that occasion, our go-to banker at Citibank offered a cash bonus for the opening of our Citi checking accounts, in the amount of USD XXXX for maintaining a minimum deposit and balance of USD XXXX in our accounts, within 60 days after the date of opening the account, condition that I fulfilled and currently maintain. 

However, as of today XX/XX/XXXX, Citibank has not complied with payment the bonus cash.

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 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CARD WAS OPEN FRAUDULENTLY. I DID NOT OPEN THIS CARD. I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED SEVERAL TIMES WITH THIS COMPANY AND NOTHING HAS MOVED FORWARD. PLEASE REMOVED THIS FRAUDULENT ACCOUNT OFF ALL CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Conn's, 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:
IN REGARDS TO : CONN CREDIT CORP ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? CONNS CREDIT CORP? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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 fraud alerts or security freezes

Complaint:
All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/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 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 explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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