BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have constantly contacted this company for validation of this debt. 
I never received any documentation from them proving that this is mine. 
Ive never received correspondence from them either. 
Im not even sure how this ended up on my credit report without my knowledge of this in the first place. 

Also I do believe a medical file being sold to a collection agency is in violation of the hippa law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX XXXX in XX/XX/XXXX and moved to Colorado for XXXX XXXX, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. Transunion and XXXX  still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama   Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those 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 2018-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
bank of america and XXXX XXXX  XXXX violation of my right reporting inaccurate info and not letting me into my online bank account

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 2017-12-03
Company: Experian Information Solutions Inc.
State: TX
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:
I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and XXXX accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

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 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CRA VIOLATION / INACCURATE INFORMATION REGARDING NAME, ADDRESS EMPLOYMENT NOT AUTHORIZED BY ME APPEARED ON MY TRANSUNION 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 explanation
Consumer complaint received 2019-04-02
Company: CONTRACT CALLERS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently on XX/XX/XXXX noticed a collection ton was added to my credit report for XXXX. 
By a contract callers inc. 
Looks like they bought an old unverified debt that was deleted from my report 2 years ago and now they re aged it to look like it was recent on my report it says XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CITIBANK, N.A.
State: UT
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:
CBNA is reporting erroneous lates on my credit file. They are reporting lates for the XX/XX/20, XX/XX/20, XX/XX/20. When I opened this card I was told there was some fees which was completely fine but i didnt know that they would charge me right away. If i were aware of these charges i would have paid them to avoid the late notations on this card. If you look at my file you can see that i never even used this card or added a balance other than your fees. I never received any letters, calls, or notices about the charges or the late payments until i pulled my credit and saw this account was delinquent. I called and paid it immediately and called to see where the balance came from and that's when i was advised it was the service fee that i was told i would not be charged right away! I need these lates if not the WHOLE account removed from my credit file. I keep all my accounts in good standing and this account has ruined my credit. I need it removed ASAP

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 2018-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: WELLS FARGO & COMPANY
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In Early XXXX my daughter notice charges to her checking account that she had not authorized. I am also on the her account. I am her mother. We went into the bank and they sat down with us and had us highlight all the charges we felt were not ours. This was the checking account and someone had been taking money out of her account out of New York. We have never been to New York. XXXX said we had to give the person permission to use the card, although my daughter had her card, but he was also using a card in New York, which is very baffling. Then the next day we realized they had also done a cash advance of XXXX from her credit card. The bank said they invested and there were charges months back from the same individual and said we never reported it so we had to have given permission for this. We were not aware of any charges previously and told them if there were charges we did not authorize them either. After much back and forth they said we needed to file a police report, which we did. They have footage of the person which we do not know at the atm in New York withdrawing money. They still are saying there is nothing they can do. There were also XXXX from our checking account taken. I am so frustrated with this. I have been with them since about 2012. Our accounts are not overdrawn and things of the nature. This just does not make sense to not be reimbursed for the money that was taken from our account and credit card. A total of about XXXX. 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 explanation
Consumer complaint received 2017-12-03
Company: DISCOVER BANK
State: TX
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:
I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and Discover accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AL
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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XXXXXXXX XXXX  client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. Kohl's/Cap One and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of Kohl's/Cap One was made to the CFPB, a letter confirming the removal of the data was received however an Experian credit report obtained XX/XX/2018 still has Kohl's/Cap One listed in the hard inquiry section of the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
At XXXX XXXX on XX/XX/2020 two fraudulent transactions originating from a XXXX Bank of America ATM were processed and given approval. One transaction for {$0.00} and another for {$920.00}, that night I realized when checking my balance and made a claim the following day. I then received a letter stating my claim has been closed and I will not be getting money back at all. Bank of America is supposed to have fraud protection and are denying me funds and allowed my account to be drained by a fraudster. I am now reopening a second claim and filing a police report being told by the Bank of America that I need evidence to support an obvious case of fraud and need help resolving this matter promptly as this is my rent money.

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 2018-03-28
Company: EQUIFAX, INC.
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:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO IDENTITY THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. WERE DISPUTED XX/XX/18 EQUIFAX DID NOT REMOVE IT. THAT IS A SERIOUS VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The issue is with Bank of America Commercial Credit. They are intentionally causing unnecessary delays, have failed to provide clear and concise information on multiple occasions, and are withholding funds without my permission and refuse to do anything about it for an additional 50 days. This is or boarders on criminal.

I filed 2 disputes on my credit card at the end of XXXX. This prompted the merchant to work a bit harder with me to come to an legal settlement and agreement. Part of the agreement was I would cancel the dispute so the merchant would received the funds back so they could fulfill the orders. I called BofA to do so. The 1st person I spoke with told me the file was notated and everything was good to go. Nothing occurred. 1 week later or so I called back. They had no record of this. They then informed me that per mastercard rules they could notate the file BUT nothing would happen for 60 days. The quickest way to resolve the outstanding dispute would be to have the merchant and their payment processor to file all the requested paperwork. I was told by a supervisor on a recorded line that once Bofa received the paperwork on the dispute they would not fight it and simply send them back the money. After weeks of going back and forth and then waiting for BofA to do its job they told us the return of the claim was approved BUT they were going to hold the money for 50 days. Nothing in mastercards agreement or within my credit card agreement allow them to do this. I called and spoke with a supervisor- they had no clue that the claim was approved ( I have documentation ) and they denied the fact that they would hold funds for 50 days ( again we have an email stating such ). BofA commercial claims division is clearly incompetent. I am now in violation of my settlement with the merchant and everything that should have been wrapped up by now has yet to begin because of the intentional and irresponsible delays by BofA. I have filed complaints with them and they do nothing. Please assist in getting the money back to the merchant as was requested over a month ago.

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 2019-04-02
Company: MAJR Financial Corp
State: MO
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 husband and I went to apply for a mortgage. Several ( 11 so far ) 150+ day lates showed on our reports for Majr Financial after the account was satisfied and closed. I contacted Majr Financial. They told me they weren't sure why the mortgage company was claiming this showed on the reports and confirmed that the account had been closed and paid in XXXX of 2018 and should be reported as such. They sent me a letter stating that the account was satisfied with the date. ( I will attach said letter ). This is all they did. As the false reporting is affecting our mortgage process, we need the incorrect late payments removed and our scores corrected ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Vinci Law Office, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two separate accounts through a debt collector Vinci Law Office LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX. Two different account numbers, two different contracts. I have paid close to {$1000.00} to Vinci Law Office LLC for the auto loan account which I had a monthly agreement to pay {$120.00} monthly. 

I called to settle my other account with them. A credit card amounting in {$520.00}. 

THEY ARE SEPERATE ACCOUNTS ON MY CREDIT REPORT. 

At first they stated they only had one account with me, than they indicated they linked the AUTO loan and CREDIT CARD together. 
They refused to settle my credit card payment in full of {$520.00}. 
They are Refusing my money. Denying me the right to settle just one account my credit card account. 
They also are saying I need to make a larger monthly payment for my auto loan, which was court ordered at {$120.00} a month. 
I have been trying to get ahold of the supervisor XXXX XXXX. I called multiple times, left multiple voicemails. No one will speak with me in the office. I have emailed multiple times to separate people. 
No reply. 

Emails I contacted with no response 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 2019-04-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been using Chase Bank 's Bill Pay to pay my XXXX bill since XX/XX/XXXX of 2018. XXXX claims that it has not received my payments since the mentioned date. I contacted Chase by phone and in person several times, but no one is willing to help me. I asked Chase to refund the money to my account so that I could pay XXXX using a different method. Chase said that they can't do that. I went to the bank and showed them correspondence from XXXX stating that they have not received the payments. Chase is still unwilling to pull back the payments and refund it to my amount. No one at chase is willing to take responsibility or help me. I ask that they refund the money since the merchant says they haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I do not have the funds to pay back the loans. I just have enough money to take care of my bills each month with little of nothing left over. I need help trying to take of this matter. Having my students loans forgiven would be something I would need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BMW Financial Services NA, LLC
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
BMW Financial Services called my cell phone at XXXX on Tuesday XX/XX/2018. A voicemail was left. The number that appeared on my caller ID is XXXX. The person who left the voicemail is named XXXX, and it was requested that I return his call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
No debt validation was sent prior to reporting an old account to the credit bureaus. As soon as I noticed the derogatory mark on my credit report I indicated that this debt was not valid via a direct dispute with the credit bureaus. 

The original debt is far beyond the statute of limitations. Therefore, this negative misrepresentation of old debt needs to be removed. Furthermore, I do not have any contract with : AFNI XXXX XXXX  XXXX XXXX, IL XXXX I was never properly contacted regarding this outdated account. This debt collector has no right to continue to collect this debt because the statue of limitations has ended and the debt was not validated. I need this derogatory mark removed from my credit report. I HAVE NO CONTRACT WITH AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation