BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: AVANTE
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have 3 accounts in collections for Avante or XXXX XXXX emergency when I had and still have state health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
-My wife and I had separate accounts with XXXX XXXX, XXXX. XXXX XXXX XXXX, Nevada. 

-Due to hardship circumstances we declared a Chapter XXXX Bankruptcy ( BK ) in XXXX. 

-Under the BK rules all creditors were asked to file " Proof of Claim ''. 

XXXX XXXX filed two ( 2 ) proof of claims ; one in the amount of {$380.00} ( act # xxxx xxxx xxxx XXXX and the other for {$330.00} ( act # xxxx xxxx xxxx XXXX. ) -Under the Court approved plan, both amounts were paid in full on XX/XX/XXXX ; a total of {$710.00}. Thus the debts were satisfied and discharged by court decree.

-However XXXX XXXX sold the debts to their own Collection Company ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC. 

-LVNV has reported the debt to all agencies as delinquent, thus negatively affecting our credit score. Moreover, XXXX has been harassing us in an attempt to collect the debt which was paid and we no longer owe. 

We are seniors on fixed income trying to get a fresh start. 

Please help us. Thank you XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: AL
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:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Date XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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 2023-05-02
Company: Experian Information Solutions 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-29
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: Information belongs to someone else

Complaint:
I just Check my Credit and I notice some fraudulent Activity. I have Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation

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 2020-11-25
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number 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 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 2021-06-01
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/2021 at XXXX XXXX  a I received a voice message regarding a debt owed. My roommate returned the call XX/XX/2021 at XXXX XXXX  not knowing what it was. They spoke to Ms.XXXX  this representative disclosed not only the debt, the amount, dates, and where it was from but also even gave out my personal address to a 3rd party. 
The only verification the represented asked was " what is the first name? '' and when my roommate said I believe XXXX. She said " XXXX ''? 

This is horrible tactics giving out my personal info including my address!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, in amount of {$3700.00} 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 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 2020-07-31
Company: Thaxton Investment Corporation
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Im XXXX XXXX XXXX, and they contacted my mother out of state and told her what I owe and the full amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The fraud is being committed by Capital One bank. Recently they changed from fixed to floating billing cycles but 'promised ' the due date would remain the same. There is no notification nor way to find out when a billing cycle ends. I had set up, for the first day of the next cycle a payment of over {$600.00} for utilities for several months ' billing. I wanted this had checked online for the date and determined for my account with its payment due on the XXXX, that a transaction on the XXXX would be the next cycle ; i even gave it a day. The slammed it on the last day and the bill is due immediately. They refused to do anything. I should not be allowed for them to NOT provide cycle information for this exact purpose. 

My consent was not given to have that charge show up on that cycle and all attempts i made to ensure this were overridden by their ability to whimsically place a charge on one month or another that far from a due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
in according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 states it also states a consumer reporting agency can not furnish an account within my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: IL
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:
XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry :XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX THESE HARD INQUIRIES WERE PUT ON MY XXXX  CREDIT REPORT WITHOUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: OH
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 reported and disputed to Experian about an account XXXX XXXX XXXX account number XXXX ( which is not a valid account number ), of the inconsistency and that this account is not 100 % accurate as required by the Fair Credit Reporting Act. Dates are inconsistent, and Type of the account. This account XXXX was reported as an ( Auto Lease ) which is incorrect the true account type is a ( Retail Purchase Agreement ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Purchased this account. Also the purchase date being reported is XXXX XXXX 2021 that is also invalid and is a violation with Fair Credit Reporting Act. The true date all documents was signed on is XXXX XXXX 2021 These are all inconsistency and Experian failing to do a thorough investigation is a violation of my rights with 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 2023-01-29
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Please refer to prior complaint as well. 

I received two direct deposit refunds and one check totalling to XXXX following my claim in XXXX to the CFPB after requesting money paid towards my loans during the pandemic refunded. My current balance through Mohela now, however, is XXXX, with interest ( please see attached document for confirmation ). As I was at a XXXX balance prior to my requested refund, and there has been no interest throughout the payment pause duration, these numbers don't add up. I have contacted two upper level Mohela reps ( after being on hold on the phone for almost two hours for each call ), once in late XXXX and again after I never received the promised call with a resolution within a week in XXXX. I was told this would be resolved again within a week and I have not heard back. When I called two days ago, a representative said there was no record of either call and that they couldn't determine the discrepancy with the balances other than that I might get a check with the remainder. This is unacceptable. I need to either be fully reimbursed to the total currently listed on Mohela 's website or the total owed needs to be adjusted appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TD BANK US HOLDING COMPANY
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:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B,  15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, For the past year I've needed to freeze/unfreeze my credit with the 3 agencies to get a mortgage or open a bank account. I have accounts at all 3 to do this. XXXX  and XXXX  have always worked properly. However, Equifax, through their https : //my.equifax.com/ always have issues preventing me from lifting a freeze. 

In 2020 this prevented me from getting a mortgage and prevented me from opening a bank account. 

When I log in to the website or the app, I'm always presented with the following text on screen : " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX. and XXXX XXXX. ( ET ), Monday to Friday. '' Calling the phone number is a phone tree that ultimately is a recorded voice recommending you log on to my.equifax.com. Their entire support system is circular. 

Last year after repeatedly typing 0 's to reach customer service I finally reached their customer support in XXXX who were able to manually unfreeze my credit report for a short time so that I could get a mortgage. They were never able to resolve the issue with my login. 

So now I'm facing an IT issue at Equifax that they are unable to resolve and I'm never able to reach anyone about, and it prevents me from living life in the modern world. I need to open a bank account and I'm not able to. 

This situation is insanity. Equifax is totally unresponsive and there's no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I discovered upon XXXX credit report that i am being charged a duplicate medical bill created upon same day. When attempting to call the creditor to resolve the situation i was spoken to in hostilities and had phone hang up in my face. The account reads as ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX ( original creditor is XXXX XXXX XXXX ). I had medical insurance in any event. This account is duplicate to ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX. I contacted the collection agency at XXXX who was a XXXX female providing the most disrespectful tones and hostilities against me the complainant. I do not owe this duplicate bill and it is unfair as well fraud. In fact the XXXX representative would not produce any evidence of any detail reasoning for any the the two duplicate unfair debts. I hope to get this resolved as it has damaged my credit status.

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 2021-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
XXXX XXXX XXXX company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: IA
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 uploaded a letter to Experian, XXXX and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX, or XXXX does not have any files to verify these accounts, nor will they delete it.

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 2023-02-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ashley Home Furniture is trying to collect nearly {$10000.00} in debt after someone fraudulently opened up an account in my name, I talked to both the loan people, XXXX  XXXX  and Ashley about this and they are still trying to collect a debt that is not mine. They told me someone in XXXX  did this, I dont even live in XXXX  . Each time I report it to my credit bureaus they agree with me, but Ashley again and again tries to ruin my credit by putting this on 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 2021-06-01
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: Old information reappears or never goes away

Complaint:
The account was with XXXX XXXX. I had this account over 15 years ago. The account was deleted from my credit report previously. However, it is reappearing on my credit report and they are refusing to remove it. They have sent it to collections. I have not had XXXX XXXX ( XXXX Bank ) since the early XXXX. My son was under XXXX years old when I had XXXX XXXX. He is now XXXX years old. How much longer will I have to deal with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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:
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation