BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX  XXXX  on XXXX XXXX XXXX in XXXX. XXXX  XXXX  is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX  regarding these and they have been left unpaid as a result. Thanks again for everything.

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 2021-06-10
Company: EQUIFAX, 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 have filed a dispute with all three of my credit report companies requesting information on a accounts that were reporting incorrectly. The first time I disputed accounts in question I did through the reporting agencys website and after receiving document stating that they verified as correct!! I then practiced my rights and sent them a certified letter indicating the results and I was wanting to know the method that was used to verify the incorrect information that is harming my account as stated in federal law Section 611 ( a ) ( 5 ) ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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:
Wrong addresses and names or spellings of my name and variations on my address are making it inaccurate and violates FCRA that states it should be 100 % accurate. there are inquiries I do not recognize and original creditors can not locate my information. 

1. XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX ( XX/XX/XXXX ) and Equifax is reporting 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 7. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX XXXX  ( XX/XX/XXXX ) 10. XXXX ( 1XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 16. XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: KEYCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a payroll check from my employer. My employer has more than XXXX employees and has a multi XXXX dollar XXXX XXXX XXXX The check was an official check drawn on a XXXX XXXX account. I used the mobile deposit and once I put in all the information and took pictures that were excepted of the front and the back, the app stated the funds would be available at XXXX XXXX  on XX/XX/2022. That was perfectly acceptable and I have deposited previous checks and the funds were available at the time stated. As soon as I hit the submit button to finalize the transaction the date changed to XX/XX/XXXX giving an explanation that the funds were unlikely to be collected. 

I have called multiple times about the situation over the last several days. l Have been told by multiple people that XXXX the Bank is required to place an extended hold on all checks. Even after I stated I knew that was not correct they continued to state this. I then spoke with a manager and ask her to call XXXX XXXX and verify that the check had already cleared as my human resource department had already done so earlier today. That is when a manager of the bank told me that banks dont call other banks. I knew this to be untrue as well. I called XXXX XXXX who also stated why dont they just call us and get the verification and release a hold. After telling XXXX XXXX what KeyBank had stated they said why dont you just give them this number thats exclusively for banks to verify phones. I have done so. My bank continues to say theyre not allowed to call other banks to do verifications. I believe I am a victim of some sort of scam and having my money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX  have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my Capital One 360 Performance Savings Account ( hereafter called " my account '' ) on XX/XX/2020 and had successfully transferred {$20000.00} into my account by XX/XX/2020. When opening my account, I used the active promotion " SCORE500 '' to receive a {$200.00} bonus after keeping at least {$20000.00} in my account for at least 90 days straight. Despite having at least {$20000.00} in my account for 90 days straight ( and counting, as it is all still in the account to this day ), which was supposed to automatically grant me the {$200.00} bonus that Capital One promoted, Capital One has not yet paid me the bonus. It has now been 165 days and counting, and they have not told me when I will receive the {$200.00} bonus despite my calling them several times since opening the account ( and since the 90-day period ended ). 

For more context : After around 120 days of the account being open ( 30 days more than I should have had to wait ), I called Capital One again to ask them where my bonus was, and they said that everything looked fine in my account and that I should receive the {$200.00} bonus no later than XX/XX/2020 ( well after I was supposed to receive it by ). I told them that I should not have to wait this long, but they assured me that I would definitely receive it BY XX/XX/2020, and quite possibly sooner than that. On XX/XX/2020, I still did not have the {$200.00} bonus posted in my account, so I called Capital One again and they said that, again, everything looked fine and I should be able to receive the bonus, but they need to file an internal report and it will take up to an additional 20 calendar days for me to hear back from them. Given that this is the third delay, I have lost all patience. No consumer should not have to wait this long from any financial institution to live up to their promises, and until I actually receive the bonus that was promised to me, I unfortunately do not trust that I will ever receive it ( despite them telling me that I will receive it ; after all, they already lied about the date by which I would receive the bonus, so how can I trust them to actually pay me the bonus in the end? ). I feel that Capital One is engaging in predatory business practices to keep my money as long as they possibly can. I expect to receive my {$200.00} bonus immediately, and I can only hope that Capital One is not systematically delaying the bonuses that it had promised others as well in an effort to not pay out as much interest on that bonus money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks

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 2021-11-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is placing a fraudulent account on my Experian report. XXXX and XXXX have already removed it months ago. Everytime I try to contact Experian, they ignore my request. In fact, I contacted the XXXX  to file a complaint and they have failed to respond to them as well. I also filed a complaint with the attorney general in Arizona because they are being negligent and harming my score.

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 2021-11-06
Company: EQUIFAX, INC.
State: TN
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:
The addresses that are listed do not belong to me and I have never worked for the following employers. 

Addresses : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 6. XXXX XXXX XXXX XXXX, TN XXXX 7. XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
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: Public record information inaccurate

Complaint:
I've made several attempt to dispute the bankruptcy showing on my reports to Experian but to no avail. I contacted XXXX XXXX the reporting company for Experian and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and Experian has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that Experian has not contacted them for any information.

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 2022-01-09
Company: Source Receivables Management LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Sterling Infosystems Inc.
State: GA
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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX and while applying for a remote at home position a back ground check was ran. On the report in XXXX it stated I had 2 XXXX  that had a disposition in XXXX it is now XXXX and on my rights the law states that the information can not be dated back more than 7 years yet they have included it in my report which will inevitably call for termination l. I messaged the company and didnt recieve a reply and I dont know what else I can 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 2019-09-09
Company: SYNCHRONY FINANCIAL
State: CT
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 an unauthorized hard inquiry on my credit report. I use XXXX XXXX and they say to contact the company responsible however Iv been unable to contact the correct person within XXXX to dispute this hard inquiry made by Syncb National Credit Cards/Airlines.

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 2017-07-31
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:
I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: GA
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 been contacting Equifax for several weeks and trying to dispute some unauthorized hard inquiries on my report. as i type this I'm on the phone being denied again. on XXXX i submitted a dispute for these accounts and within 6 hours it allegedly was finished. i contacted them questioning how can you validate something within 6 hours. i was told they don't check hard inquires and repeadetely was told because their factual records which don't answer my question on why these unauthorized inquires wasn't investigated. what's the whole point of disputing something if the company want even do their job and investigate my complaints. the inquiries at hand are from the following. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion reporting agency keeps reporting inaccurate information on my car loan threw XXXX XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to Transunion threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my 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 non-monetary relief
Consumer complaint received 2018-01-30
Company: Experian Information Solutions 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:
Wrong addresses and names or spellings of my name and variations on my address are making it inaccurate and violates FCRA that states it should be 100 % accurate. there are inquiries I do not recognize and original creditors can not locate my information. 

1. XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX ( XX/XX/XXXX ) and XXXX is reporting 1. XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 7. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX XXXX  ( XX/XX/XXXX ) 10. XXXX ( XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 16. XXXX ( XX/XX/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 2018-01-30
Company: ResidentCollect, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Innovative R reported {$290.00} as owed to XXXX XXXX XXXX for disputed charges which were never resolved ). I only have a statement from XXXX XXXX XXXX showing XXXX which was disputed and I was never contacted by Innovative R

Company response to consumer: Closed with explanation