BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After being contacted by Western Mercantile regarding medical debt and learning my husband was being garnished for a debt, I requested complete verification of all debts they claimed to belong to me. I requested to receive all information I am entitled to to assist me in verifying the debt and specifically requested a complete accounting ledger of each debt that included all information I am entitled to as a consumer ( name of the original creditor, associated account number, itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records, current amount of the debt as of when the validation notice is provided, etc. I was instead mailed a basic list of each debt amount with account numbers and original creditor names. I again contacted Western Mercantile to request the complete itemization of each debt per the Debt Collection Rule that became effective XX/XX/XXXX  and was repeatedly told I was provided all the information they were required to provide but that they would 'put my accounts back in dispute ' and send me another copy of what I had already received for verification of the debts. The next verification document I received following that call differed from the first as the debts were not consistent with the first validation document and I still was not provided any itemization. I called again to ask about this and was told by XXXX that they were not required to provide anything else. I asked her to provide all open account numbers they had listed as my debts and the current balances and the information provided was also inconsistent with the letter I had received just two weeks prior. I again asked for a complete itemization of each debt and was told again that I had already been provided all information I am entitled to for verification purposes however multiple accounts have balances significantly higher than the documentation they provided for those accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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:
when I was XXXX  years old I moved to Orlando to attend college I wasnt making enough money to support myself so i was living off of my student loans and was unable to pay them back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: LEXISNEXIS
State: TX
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:
I CONTACTED LEXISNEXIS OVER A MONTH AGO BECAUSE I ORDERD A COPY OF MY CONSUMER REPORT AND NOTICED IT WAS OVER 20 ADDRESSES ON THE REPORT THAT I NEVER HURD OF AND NEVER LIVED OR BEEN TOO SO I STARTED A DISPUTE AND THEY LEFT THE ADDRESSES ON THE REPORT SAYING IS VERIFED WHICH IS A LIE ONE OF THE ADDRESSES I LOOKED UP WAS A XXXX XXXX THATS HOW I KNOW THEY NEVER DID THEY JOB TO INVESTGATE OR DELETE THEY ALSO HAVE 5 INSURANCE COMPANIES ON MY CONSUMER REPORT ONE OF THE COMPANIES HAD ANOTHER PERSON NAME ON IT NOT EVEN MINE AND THEY SAID ITS VERIFED AND MINE WHICH SHOWS ME THEY NEVER LOOKED INTO IT I CALLED THE SAME COMPANY AND THEY SAID MY NAME NOT ON THE POLICY AND WAS NEVER ON IT THEY DONT UNDERSTAND WHY LEXIS NEXIS IS REPORTING THIS INFORMATION THE OTHER COMAPINES I CALLED THEY DONT HAVE MY LICENSE ON FILE OR MY SIGNATURE OR ANY INFORMATION TO CONFIRM I WAS THE PERSON TO APPLY OR OPEN UP THESE POLICYS, LEXIS NEXIS IS NOT DOING ANYTHING CORRECT ACCORDING TO THE FCRA AND I WILL TAKE THEM TO COURT IF THIS INFORMATION DOES NOT COME OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX weeks ago I closed a credit card account with Bank of America.XXXX XXXX XXXX was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please XXXX Bank of America to mail a check with the amount that they own me.

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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The tradeline, which appears on my credit report from ENHANCED RECOVERY CO LLCXXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$490.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both ENHANCED RECOVERY CO LLC/XXXX XXXX XXXX individually and have not received any reply back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: VA
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 filing a dispute for an investigation with Equifax since XXXX. They have been stalling since XXXX by providing a letter stating that no identification has been provided it has been provided each time the following : Most recent utility bill, drivers license, social security card. Then I contacted Equifax when they sent a letter the second time in XXXX stating I didnt provided identification with my disputes so I sent a third in XXXX they sent a letter in 45 days stating again my dispute had no identification provided. I Made copies of what exactly I sent them, its unfair that they have been stalling with my dispute for now for four months. I know my rights as a consumer and they are stalling. Please look into this at your earliest convenience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 604 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions There are also several inaccurate information on this account, dates and amount owed

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 2023-01-11
Company: Experian Information Solutions Inc.
State: NY
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 applied on XXXX  for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the XXXX  site or I can send pictures with both the statement about no affect to my XXXX XXXX and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING

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 2015-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Filed a dispute for a charge. They came back with supposedly sending me the information to dispute and never received it. When I call I get put into endless circles and I end up spending over XXXX minute on the phone to get this resolved. I now have incurred fees and disputing them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
Said hard inquiries will not gon na affected my credit score and didnt recognized this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXXXXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2023-01-12
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 2018-08-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2018, I received an alert on XXXX that there had been a change on my credit Equifax report. When I went to the site, I found that XXXX XXXX had posted that my credit could be " affected by natural or declared disaster. '' of course, living in the XXXX of North Carolina, I am not in any such area. I contacted XXXX XXXX and did not get any response. I contacted XXXX and Equifax and neither will remove that statement. Since any XXXX search of my zip code ( XXXX ) should reveal that I am not in any disaster area, can not understand why this was not a simple fix. Apparently these large companies will only pay attention to other large companies, so I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to unfreeze my Equifax Credit Report so I can get my mortgage refinanced. I tried all the avenues provided by Equifax - by automated phone and by website. When I used the automated phone line, I get to the very end and I get a message saying no person can assist me but there is no clear explanation why. When I tried the website, I get the same response. After 6 unsuccessful tries on the phone and 6 unsuccessful attempts on the website, I found a phone number where I was able to talk to a human. However, each time I called and explained my predicament, and after explaining that I have already tried the website and automated phone options, I still get sent to the automated phone option and none of the live customer service people can offer an alternative. I had 4 live person treat me the same way and the last one hung up before I could finish what I was saying. I had no difficulty in unfreezing my XXXX  and XXXX  accounts on the first try. Please call me at XXXX XXXX XXXX XXXX if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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:
I am contacting you in hopes that you can help me with Equifax reporting information that is not mine & for things that I did not apply for. I have not received anything from these companies neither did I apply for anything. I have asked several times to remove, they told me to send in an identity theft report but somehow each time I send it they find a way to loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX placed negative information on my report that doesn't belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an E-Banking account at Bank of America for a few years. It was a free checking account with no minimum balance requirements and no monthly fee. I was receiving online statement notifications until XX/XX/XXXX, and then there were no email notices again until XX/XX/XXXX. During that time, BOA claims to have changed the terms of my account to a Core checking accounting with a $ 12 monthly fee. I had {$20.00} in the account for many months with no fees, as I was not using the account due to an inoperative ATM card. I contacted the bank by phone and I went to bank in person to try to get a working ATM card, but I never got one that worked. Then, around XX/XX/XXXX/XX/XX/XXXX, BOA started charging my account {$12.00} per month, until it became a negative balance. They took my money without notifying me of the change of terms. I checked my emails and there was no notice. I did not receive a paper statement, either, until XX/XX/XXXX, at which time the bank sent me a statement showing my account has been closed. Since they closed my account, I can not log into the online portal to look for any notices or the account history. I think that they should allow me to have access to the online period for several months after closing the account so I can check the records. I called BOA to try to get my money back, but they said they would not give my money back since the account was now closed. I told them that I did not receive notification of the change in terms, and the representative said he did not believe me. He said the balance was insignificant, at which time I reminded him that it was my money and it is important to me. He said it is the customer 's responsibility to read the notices. I reminded him that I did not receive any notices and I said that the bank should make more of an effort to notify people of such a significant change. I want to get my money back and I want to make sure they can not do this again to other people.

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 2015-10-16
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We sent back XXXX XXXX XXXX equipment on XXXX XXXX and XXXX XXXX XXXX received the equipment a day later on XXXX XXXX. Debt collector started calling me on XX/XX/XXXX a few times a day. Finally I answered the phone on XX/XX/XXXX. Told them that I do n't owe anything, I sent the equipment back to XXXX XXXX XXXX and they should contact XXXX XXXX XXXX. Told them to stop harassing me. Instead of contacting XXXX XXXX XXXX they kept harassing me by calling a few times a day. On XX/XX/XXXX I answered the phone and told them the same thing again. Then I got a letter from the debt collector to pay or dispute. Which I 'm disputing it. I called XXXX XXXX XXXX again just to make sure that I did n't owe anything, which I do n't.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation