BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-18
Company: Grant Mercantile Agency
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Grant merchantile keeps trying to collect on a medical bill that was the result of either a lapse in coverage while I was displace from XXXX  to XXXX. XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
I am a XXXX individual but was in the process of switching both state providers and gender markers resulting in a medical billing error that has haunted me for years. 

XXXX of XXXX they increased collections amount for I think the 5th time and lowered my credit score by 45 points. 

XX/XX/XXXX I called grant mercantile Asked them if they purchased the debt.

They stated no, they are just trying to collect.

I asked can I deal with original debtor?

They said it's most likely purged from their system.

They said I can write a letter of hardship via U.S. mail, but I have no way  of mail correspondence due to XXXX and XXXX. 

This has damaged my chances at getting a car to drive for a company to find a job that would work with my XXXX. 
It has damaged my chances finding a rental or even a private client job. 

I have tried to dispute and or make a reasonable settlement multiple times to no avail. I think that forcing the letter of hardship to be sent by mail is an accessibility issue that should be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: IL
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:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$140.00} not mine XXXX XXXX XXXX XXXX-XXXX {$820.00} not mine XXXX XXXX XXXX XXXX-XXXX {$580.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for XXXX XXXX with XXXX Rewards to be used specifically to purchase XXXX Watch costing {$740.00}. Subsequently to the online application submitted to XXXX, I received a form letter, undated, not signed, without anyone 's name appearing thereon and without a designated phone number, such letter demanded sensitive identification documents be sent to a PO Box , XXXX, DE within 30 days or the credit card application would be cancelled. The identification documents they demanded were a copy of my Driver 's License/State ID, Social Security Card and a current original utility bill or bank statement with visible name and address. No explanation was given for why these documents were being required in order for the subject credit card application to go forward. 

Called XXXX 's General Inquiries telephone number to address my concerns about the contents of the form letter and why it was sent to me in the first place. My call was transferred to three different people and, finally, ended at the desk of a Security Dept. XXXX, who after listening to my concerns about potential identify theft and why this sensitive info was being requested in the first place informed me that such a requirement was consistent with their policies in some instances. I specifically asked what may have triggered this event and she refused to answer. I informed her that XXXX months back I had received a XXXX 's XXXX with a {$9500.00} credit limit without any difficulties and without any compromising hard copy identification documents being required. She hesitated while she accessed my existing credit card account that showed no outstanding balance, the card having never been used, came back to inform me that that existing credit card was now being put on hold and could not be used until they received the aforementioned identification documents. 

I ended the call my informing her that I had no intention of sending such sensitive personal ID documents to a PO Box or to a financial institution that refused to provide reasonable assurance that my identity would be secure as well as an explanation as to why such drastic steps were deemed necessary in the first place.

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act

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 2022-05-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: TX
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:
everytime i apply for credit, i get the same response saying they is no credit score for me. I applied for XXXX  today, i applied for several banks : XXXX XXXX, XXXX XXXX, XXXX. each time apply anywhere i get the same response. one of the lenders asked me to get a letter from equifax and equifax says no. when i call equifax they say nothing is wrong with my file and no lender should have any issues pulling my file. however anything on my report has not been updated since XX/XX/2018. I have been calling and talking to multiple departments and people and no one seems to help. its affecting my lively hood. i cant apply for anything because i will denied for no recent history and no credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from   XXXX   XXXX   XXXX   XXXX   about a balance of {$130.00} from a collection agency for  XXXX   XXXX  I have never heard or delt with this person I called the collection office twice the last time was today  XXXX / XXXX /   2017  and spoke with a gentleman who I have my info to and he stated to me that the person who owes this bill is  XXXX   XXXX  I advise the gentleman that was not me as I also stated the first time I called the gentleman ask me if I contacted the credit bureau to dispute I told him I did and that this is not a good look on my credit report because this balance is not mines I have called them twice and also disputed twice with the credit bureau but nothing has happen

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 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This agency has been reporting an account that has been legally removed from my records. ( Education loan ) has removed all records reporting on my behalf. No agency should be still reporting this information numerous times which is illegal because no loans should be reporting at all under my name

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 2023-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have a checking account with Capital One Bank. I am trying to open a XXXX account with them. The bank refuses to open the XXXX account unless I have a cellphone. They will not open the account unless I provide this number to them. This is discrimination by the bank. The bank already has my home landline phone number and my work landline number. I should not have to own a cellphone in order to have a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had XXXX $ in funds from my account used in unauthorized transactions. I received an email from chase stating that my debit card had been added to XXXX XXXX  on XX/XX/XXXX, then a total of nearly 8 charges ranging from XXXX $ ensued in the following minutes meanwhile I had called the number on the back of my card immediately notifying and thus freezing and disabling my card. The charges all contained names that lead me to believe that they were done in XXXX XXXX, XXXX which I have no connection to and have never been to or purchased anything from. I then filed and waiting on calls for numerous hours which proceeding into me receiving provisional credit and a new card. Then on XXXX I receive an email stating the provisional credit of XXXX $ was being removed on my account on XX/XX/XXXX, an amount that is extremely large. How could my bank see charges totaling XXXX $ to a foreign country and recieve my call while it has happening and still not consider it fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you

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 2022-11-17
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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:
Hi, I notified the 3 major bureaus regarding accounts that are erroneous and reporting fraudulently under my name. The most recent correspondence was sent 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions 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 am filing this complaint, against EXPERIAN ( Credit Reporting Agency ), also known as XXXX, after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. 

The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Experian. : XX/XX/XXXX : Dispute Letter to Experian, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

XX/XX/XXXX : Response from Experian. Experian responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. 

I wrote to the reporting CA requesting validation and received no valid response XX/XX/XXXX : Letter to Experian, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XX/XX/XXXX : Response from Experian, notifying me of VERIFICATION of this account. 

They made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. 

In a phone call with Experian about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. 

This unknown medical account appears ONLY on my Experian 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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Public record information inaccurate

Complaint:
Submitted a dispute regarding incorrect information on my background check. I received a same-day confirmation that my request was received. Three business days later I was told I needed to submit additional information. I submitted the information the same day. Received no response or acknowledgment from the company. Called six business days later as I didn't receive a response ( was told I'd receive one within 3-5 business day ). I was told I never submitted the information ( despite having written proof ) and I resubmitted the same information on the same day. I receive no response or confirmation so I resubmitted the information again six business days later and again three days after. Called the office again because I didn't receive a response and it was the same nasty lady that I dealt with before. I was explaining to her my situation and how this is affecting me. She didn't care and was VERY rude. After being on the phone for almost an hr she hung up. I called back again and spoke with someone named XXXX who was decent and explained that the XXXX who I dealt with before put in a totally different request that didn't have anything to do with what I requested. Needless to say, Transunion is one of the WORST companies and I hate that they are involved in my life.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : 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 2017-06-16
Company: Experian Information Solutions Inc.
State: WY
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: Problem getting your free annual credit report

Complaint:
I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all  XXXX  of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  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 2020-05-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 16 inquiries on my credit report that I have no knowledge nor gave my consent to pull my credit Thank You 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 2021-04-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I contacted XXXX recipient XXXX ( XXXX # XXXX XXXX for an inquiry of concert tickets. I was told from the original ticket vendor, XXXX, to send over the ticket amount, {$420.00}, to the XXXX recipient as I would receive a transfer of tickets via email as soon as I did so. There was an open format of communication between both the ticket seller and the original vendor until I XXXX  over the {$420.00}, then I received no response or tickets from either. It has been over two weeks now and I still have not heard back from either the XXXX recipient or XXXX, so I am now resourcing for your services to file a fraudulent charge against them. Please let me know the following steps needed to be taken as I wish to resolve this matter as quickly and efficiently as possible. Look forward to hearing back from your division soon and hope you have a great rest of your week! 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Experian Information Solutions Inc.
State: SC
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:
Experian XXXX and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. Experian and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX  REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 Experian XXXX and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. Experian XXXX and XXXX has NOT sent requested information provided to their companies by XXXX XXXX  that they use to continue verifying my CR.

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