BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently tried applying for a Bank of America credit card and got a reply that I am declined because I have two delinquent accounts with them, one a fraudulent mortgage from Countrywide that was settled a long time ago through bailouts, I don't understand why they are holding these ancient, obsolete, fraudulent loans against me. The other is a line of credit they claim is called a gold line that I know nothing of I believe it's identity theft and asked for documents and signatures which they did not and said can not produce. They have no documents for either of these debts they claim I owe them. They claim to protect consumers from identity theft and be fair lenders and employers, I'm even an associate on leave with them and have received very poor service regarding this matter. I emailed  XXXX their recovery department and have not gotten any replies, I had to get a manager at a branch to call a manager with customer service to look into it and still haven't heard back and this is after I was endlessly transferred from one division to another over the phone and noone has still been able to resolve this. When you look at my credit report with experian XXXX XXXX  it's all  clean. What can I do to fix this? Bank of America knows well that Countrywide loans were fraudulent and got bailed out for their mistake so I shouldn't be held accountable for that. Secondly as a victim of identity theft how could I possibly have documents on a supposed line of credit I never signed for. They should have the documents and they are asking for me to produce them. That's ridiculous, I've asked them to send me the signed documents and they tell me they don't have them yet hold me accountable? Also they need to do a better job at communicating, I did not know of anything until I tried applying for a card, I never got any communication from them and still they are failing at communicating. Please help me resolve this matter, 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 2022-08-08
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Exeter Finance Corp.
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 sent this company an identity theft police report from XXXX XXXX County Police Department showing that my information was used for fraud in starting a fraudulent auto loan. The police have arrested the perpetrator XXXX XXXX and shown this proof to XXXX XXXX. Even with proof and a police report stating that my name was used for fraud to start an auto loan, this company refuses to delete this account from my XXXX, XXXX and XXXX credit reports. At this point its defamation and a complete violation of my rights and the FCRA sec 605-609

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
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:
ARS Account Resolution has submitted a negative account for publishing on my credit report. ARS Account Resolution is not licensed to collect in my state. They have failed to validate the debt as requested in writing. ARS Account Resolution was mailed a debt validation letter on XX/XX/2019 to which no response has been received.

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 2020-01-31
Company: ID Analytics, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to place a security freeze with Sage Stream. I was unaware that this entity, has and shares information about me with other entities. I reached out to this company to no avail. I've submitted the documents on their site requested to implement the security freeze, on top of calling numerous times during their scheduled business hours without any success of reaching them. They're recording states they'll contact you back within 24 hours and that hasn't happened either. This company I feel is a fraudulent company, has access to my personal information/ identity without my consent or prior knowledge and I don't give them permission to share any information they have of mines against my wishes. Furthermore the information I believe they have is not accurate. This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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:
XXXX XXXX  XXXX FTC VIOLATONS SENT OVER 45 DAYS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last XX/XX/2019 I was paid in full balance of {$3000.00} included for cash balances and interest accrued. 
Then this coming XX/XX/2019 statement, I received an additional interest charge of {$54.00}. 
I called the company and I spoke XXXX she said they can not waived the interest because this is valid interest. 

I believed this is not fair because this is over charged interest in my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report, and several dispute letters, this account remained on my credit report. I then contacted the collection agency directly, bypassing the credit bureaus, for the debt validation and additional information needed to validate this debt, they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: ONLINE Information Services, 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: Account status incorrect

Complaint:
I have contacted the collection company and XXXXXXXX XXXX XXXX I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a credit card with XXXX ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to XXXX to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: U.S. BANCORP
State: TX
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:
My problem started on XX/XX/2018 when XXXX XXXX XXXX credit union transitioned from one credit card company to another. the new credit card company was ELAN FINANCIAL previous credit card company was XXXX XXXX I was unaware this was happening. The issue was that during this transition. my payment was refused. When I called about this twice, I was assured my credit would not be affected. When payment was finally allowed on XX/XX/XXXX. I was reported as 60 days late. this is a lie. I filed 2 disputes, no help. Then and spoke to Elan Financial rep who said it was incorrect and would be corrected. I wasn't convinced and closed the acct, as a matter of principle. Last dispute with XXXX  again not corrected. I take this matter personally as I always make my payments on time, and have held some many of my credit cards for decades without a late payment. I just wast this corrected. it was their refusal to accept payment on two separate occasions that caused this it also cost them a customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report and their was a negative item from a security credit services which purchased the debt from a company called XXXX XXXX. I have never applied for credit with either of these companies the debt is not mine they state that a payment was made XX/XX/XXXX I can submit my bank statement for that month to prove that was not  me furthermore I was not sent any bills or contacted by either company at any given time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I disputed this XXXX  account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX shows a XXXX, this account has been on my report for seven years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a letter from XXXX XXXX regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with XXXX  that they sent the report to XXXX  on XX/XX/XXXX. In the letter attached, it clearly states that HF is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my experian.com account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that XXXX  and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called XXXX on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that XXXX XXXX did not send them any information to clear up my records. I went on for 6 1/2 hours going back and forth with XXXX  and XXXX! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with XXXX XXXX. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to XXXX  today. The agent informed me to reference this number when I called XXXX. Again, once I spoke with the agent from XXXX, he would not accept, confirm or deny the AUD # and continued to direct me to contact XXXX XXXX to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!

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 2020-10-10
Company: Experian Information Solutions Inc.
State: IL
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: Personal information incorrect

Complaint:
Hi, I have been having the problem with identity theft for quite some time now and took every step to report it freeze account replace everything. Just over the summer of the year XXXX I changed to my married name i report to the credit Bureau, all 3, sent in copies of driver 's license, marriage license, and other documentation they ask for. Now im aware of the data breach that took place in XXXX and was part of it and still waiting for the outcome of it because I still haven't heard anything about it. For 3 years now, almost 4 I have been having problems with my credit like never before. I couldn't get a bank account open a small pay day loan, nothing..Thats when it was brought to my attention that my identity was stolen from me and I thought that the credit Bureau was taking care of it. Not at all. I submitted my name change and it still isn't change with you guys. MY NAME I HAVE BEEN USING IS NOW XXXX XXXX. IM ASKING FOR YOU TO PLEASE REMOVE MY MAIDEN NAME AND REPLACE WITH MY MARRIED NAME PLEASE.

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 2018-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.

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 2019-07-12
Company: Medical Data Systems, Inc.
State: NC
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:
Please note I sent a dispute with XXXX and they responded that one of my debts from Medical Data Systems for {$200.00} were verified. However, on another CFPD complaint the company has stated that they have not been able to verify the debt. I am very confused that XXXX  is saying they verified when the company could not even verify the debt as this is false and deceptive. It has been more than 30 days and I demand that XXXX remove this debt from my file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Second Round Limited Partnership, Austin, TX Branch
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I contacted Second Round LP in regards to a collection reporting on my XXXX  credit report which I have no idea it was still on there. I was told by the XXXX XXXX agency XXXX XXXX infomed me that this account has been in dispute for over 2 years. He informed me the account was originated XXXX XXXX and XXXX XXXX took over the account which he said the information is reporting wrong address and name. A dispute to this account was on XX/XX/XXXX through XXXX  and did not get a response within 30 days. I m very distress because this account is fraduently reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched USAA Mastercard Account XXXX XXXX Statement of XX/XX/2014 transactions {$100.00}. I DID NOT CHARGE TRANSACTIONS. I DID NOT OPEN THIS ACCOUNT. WHAT HAPPENED TO THIS ACCOUNT? HOW? WHY? ARE THERE NO RECORDS THIS ACCOUNT EVER EXSISTED. WHAT IS GOING ON AT USAA?? HOW LONG HAS IT BEEN GOING ON? 1 ) What method was used to ACTIVATE THIS CARD? 2 ) What date was it activated to post these transactions? 3 ) How it was " VERIFIED '' IT WAS ME? FURTHMORE : 4 ) USAA required under FCRA to have a copy of the Original Documentation a Consumer Application & Contract with my Signature to open this account as required under SECTION 609 a 1 A & SECTION 611 a 1 USAA have failed to provide Method of Verification as required under SECTION 611 a 7. This is in Violation of Federal Law. I DID NOT OPEN THIS ACCOUNT. I DID NOT ACTIVATE THIS CARD TO POST FRAUDULENT TRANSACTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation