BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BBVA Compass had a checking account sign up promotion for {$200.00} ( " XXXX XXXX XXXX XXXX XXXX '' promotion ). The terms stated the following requirements : 1. Must have a direct deposit within 60 days of opening the account from an unrelated 3rd party company ( employer or a government agency ) in the amount of at least {$300.00} to post into the new checking account.

2. The account must have been opened between the dates of XX/XX/XXXXto XX/XX/XXXX.

3. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

I applied for the account onXX/XX/XXXX, however the account was not opened until XX/XX/XXXX, 12 days later. They claimed that because the account open date was after the promotion date, I did not satisfy the second requirement above. I have confirmed with BBVA that I satisfied the first and third requirements.

I want to note that the language in the promotion did not clearly distinguish " applied '' versus " opened ''. I applied within the promotion eligibility period, but I did not expect the account to take a whole 12 days to be approved. If approval takes 12 days, based on that interpretation of the rules, in order make it in before the XX/XX/XXXXend date of the promotion, I'd really have to apply no later than XX/XX/XXXX ( 2 days after the promotion began ). Even so, what's to prevent BBVA from taking even longer to approve accounts, thus rendering the promotion meaningless. The " account opened '' eligibility was not clearly defined. I feel that this is a bait and switch and am deeply disappointed. I would not have applied and opened the account had I known their interpretation of the rules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: Franklin Collection Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I came to know from my monthly credit report that collection agency Franklin Col reported to Credit Bureau against me for collection of XXXX XXXX  XXXX medical debt of {$400.00} which I never received any invoice from XXXX XXXX XXXX and XXXX XXXX. This action of XXXX XXXX hit my credit score very bad. I have already paid this amount through my medical insurance account/ health saving account ( HSA ) which was not updated. I tried to contact XXXX XXXX  XXXX but there is no information available about this company on internet. I asked to Franklin collection to provide me the information about it and they refused to give any information about XXXX XXXX XXXX which i think it is unfair and illegal to damage someone credit score without sending any invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to you to complain about Common Wealth Financial Systems .. I have found adverse account information listed on my credit reports. Under account # XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to. XXXX, XXXX & XXXX as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of { {$880.00} }. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times. Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Payments are showing as late from the period when I was in school - this account has also been paid in full years ago but for some reason is showing as late while I was attending school.

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 2021-05-07
Company: EQUIFAX, INC.
State: VA
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 attempted to gain access to my credit report on two separate occasions. 
XXXX- I sent a fax to Equifax per their request to verify my address and identity. This request was told to me by phone when I made the attempt to gain access to my free credit report by requesting it via their website. I never received the report and became concerned so I called in. They asked me to verify my identity. Since they have inaccurate information on my file which I am attempting to correct they could not verify my identity and denied access to my report. They asked me to fax in documentation of my current address, social security number, driver 's license/id and a utility bill. I faxed those documents to the number they provided me and never received the report. In XXXX I called back to follow up and Equifax then stated they did not receive my fax and I needed to re-fax the requested documentation. 

XXXX- I faxed the required documentation to Equifax . I still have not received my credit report. 
XXXX- I called Equifax to follow up on the second fax attempt. I can not get an agent on the phone line. The automated system informed me they could not verify my identity. The automated system hung up on me twice without connecting me to an agent. I made to call in attempts on this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I was seen in the emergency room with a provider who was in my network but at a hospital where I am not a member. 
I was billed and contacted by Progressive Management after this bill went to collections. 

I provided my medical insurance and policy number to Progressive Management in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for them to file a claim with the correct insurance company and they were negligent. Therefore incorrectly reporting this to my credit. 

According to Supreme Court Ruling AB1611 I can not be held responsible for this emergency bill as I provided the collection agency my insurance information to file claim. 

I want this entire debt cleared and removed from my credit or I will otherwise sue for the balance as well as statuary expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, Equifax, XXXX ) XXXX Account # XXXX ( XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, ( XXXX, Equifax ) ( XXXX, XXXX ) XXXX XXXX Co Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15
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: Their investigation did not fix an error on your report

Complaint:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2020-05-12
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XX/XX/XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions 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 THE FRADULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN 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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the XXXX XXXX XXXX and shall be used as evidence in pending litigation  provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to Transunion and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed XXXX. XXXX XXXX, XXXX. XXXX & XXXX XXXX, XXXX. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 2020-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS ACCOUNT WAS OPENED IN XXXX THE ORIGINAL CREDITOR WAS CAPITAL ONE CREDIT CARD. THIS FACTORING COMPANY-XXXX  XXXX  BOUGHT MY DEBT FOR A XXXX AND INDICATED THAT THE ACCOUNT WAS OPENED IN XXXX THEY FALSELY INDICATED THAT THE ACCOUNT WAS OPENED AND THE REMOVAL OF THE WRONG YEAR FOR XXXX. ACCORDING TO WHAT I READ THE CREDIT REPORTS MUST DELETE OR UPDATE THE CORRECTED INFORMATION. I HAVE BEEN CONSISTENTLY ON THE COMPANY AND THE CREDIT REPORT TO CORRECT THE ERROR. 

AT THIS POINT I AM REQUESTING THE XXXX  XXXX  DELETE ALL ACCOUNTS FOR INACCURATE INFORMATION AFTER DISPUTING WITH THEM FOR 4 YEARS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing these accounts with Transunion, XXXX and XXXX they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXX XXXX and XXXX XXXX XXXX that sold the accounts to 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 2019-04-22
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:
one student loan is reporting under my name with equifax credit reporting agency this is not mine, i have never went to school here and never got a student loan. 
this is a very inaccurate information reporting under my name, please have equifax remove this inaccurate reporting.i will be attaching the FTC report and the police report that i had inquired and sent to equifax as well. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 3 medical accounts for the same facility in which I have no knowledge of and certify are not mine. 

I have reached out to the original creditor who was unable to provide supporting documentation that these were valid visits to their facility. The company was unable to determine as they no longer had m records. These negative accounts should be removed from my credit profile immediately. 

XX/XX/XXXX- {$230.00}XX/XX/XXXX- {$170.00} XXXX- {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions 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:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX/XXXX  Acct # XXXX XXXX/XXXX Acct # XXXX US Department of Education   Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # 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 non-monetary relief
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: WI
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:
THESE COMPANIES ( XXXX, a Equifax, and XXXX  ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As soon as I found out I had four accounts in collections ( {$1000.00}, {$2200.00}, {$1100.00}, {$2600.00} ) with Midland Funding I immediately sent dispute letters, asking for validation of the debt. I have been a victim of identity theft 2 times. I asked for something bearing my signature, and only response I have gotten is a copy of the bill of sale from the credit card company to Midland Funding, and on 2 accounts I received a printout of a statement. These are not my accounts and are being reported on all 3 credit reports, bringing my credit score down. Midland Funding has refused to provide me with signature validation of the debt. I also informed them that as per FTC opinion letter from Attorney XXXX XXXX XXXX that a printed statement does not constitute verification. I would like these accounts removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I was contacted by phone from someone claiming to be with WellsFargo fraud department. The number came up as the WellsFargo customer service number on the back of my card. I was advised that someone was trying to make a {$3500.00} transfer on my account and I needed to take action to ensure the money wasnt taken. The gentleman then walked me through a few steps to ensure money wasnt removed from my account but actually {$1000.00} was deducted from my account and the call ended. I immediately called WellsFargo to inquire on what was going on why my account showed {$1000.00} missing after I was scammed by someone I thought worked for my bank. I have been told my claim has been closed and my money in unrecoverable. I did not authorize this transaction and I am having a hard time trying to recover my money. I should have been covered by regulation e but WellsFargo is refusing to refund my money from this unauthorized XXXX pay scam. I have never had a XXXX pay account or even thought of using the feature until I received the scam call from WellsFargo.

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