BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is an unauthorized inquiry. Please remove within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: SYNCHRONY FINANCIAL
State: MD
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 file number of dispute that the account from SYNCB/XXXX XXXX I did not open this account this was open by my ex wife or someone else ... Yet again, thay have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. please note : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am seeking ( {$3000.00} ) in damages for : ( choose which laws toinclude depending on whether or not they provided you with evidence or failed to mark as disputed ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Violation of ( insert corresponding state laws here if desired )

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 2022-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 am a stay at home mom, who doesnt work and Bank Of America lied to me and contradicts everything they tell me. 

on XXXX of XXXX I called Bank of America in regards of my account. The representative explained to me he saw some charges on my account. I replied and said I didnt authorize those charges. 

The rep then stated he will submit a refund and within 90 days they will CONTACT THE MERCHANT and after contacting the merchant, they will then make a decision before closing the case. 

On XX/XX/XXXX of XXXX, BANK OF AMERICA reversed the refund which resulted my account being overdraft and they charge me an overdraft fee. ( {$69.00} was the refund ). I then received my stimulus check and because they took back the refund they gave me, my account was in the NEGATIVES and BANK OF AMERICA gave me a credit so My account will be positive again so I can get my full stimulus check. ( if they contacted the merchant and verified the merchant was already paid by my bf, then none of this would of happened ) the temporary credit was for {$43.00} which will end on XX/XX/XXXX ( all of this because no one reached out to the merchant and they caused my account to be in the negatives ) called Bank of America and was told, they NEVER CONTACTED the merchant because there was no urgency. I explained thats NOT what I was told and I was told they would reach out to the merchant before closing the case. 

I was advised that I would now have to submit my documents so they can reopen the case and that it would take up to 45 days I submitted the documents within one week of speaking to the agent. Then was told within 4 business days they would have a decision.

I called back within 5 business days and then was told 10 business days for a decision. I called back again and now was told 45 days again. ( Everyone keeps giving me new days of when this will be resolved ) Now XX/XX/XXXX is close and they will take back the credit of {$43.00} which will make my account go in the NEGATIVES again while they research the claim. For some reason no one can listen to all the calls I made where every agent in the claims department provided different information to me that contradicts what the last person said. And now Bank of America owes me {$69.00} and wants me to pay {$43.00} because of the overdraft fee they caused in my account. 


I was NEVER advised back in XXXX that they needed any documents! No one reached out and explained that I could of faxed them the documents, I only faxed them my documents because the case was reopen since they closed 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 monetary relief
Consumer complaint received 2018-07-08
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an initial demand letter from the agency in XX/XX/XXXX at which point I contacted their office and was notified it was for a bill from XX/XX/XXXX. I explained that I had visited the medical office over 20 times in XX/XX/XXXX and asked how come I never received notification of any debt owed? The representative stated that she would contact the creditor and would provide docs as they were having the same issues with the hospital from many debtors they were speaking with. Two weeks later I received another letter stating they had verified with the hospital that the debt was valid and that I owed the amount. I called their office and spoke with a Collection Manager named XXXX and asked why I was receiving calls and letters since I requested validation of the debt. He stated it was never notated on the file that I wanted validation of debt and that the request would have to be made in writing and that now I had a second account in their office and both would be reported on my credit bureau on XX/XX/XXXX. This is a contradiction to the letter as it had stated that the client has notified their office the debt was valid. I sent a certified cease and desist with a request for validation that their office signed for on XX/XX/XXXX and on XX/XX/XXXX the collection agent called and left a message on my cell phone. I called them back and requested to speak with their CEO or Compliance Officer but no one has called. I received another letter in XX/XX/XXXXstating the same that they have checked with their client and both debts are valid. The collection agency has falied to provide docs or return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a medical bill due to XXXX XXXX XXXX in the amount of {$3000.00} in full on XX/XX/XXXX. I received a phone call in the end of XX/XX/XXXX from a debt collector from Harris & Harris , LTD about this amount being owed. I informed them that I had paid the bill in full and they indicated they would confirm that is was paid and take care of it. I heard nothing else, no letters, no phone calls, nothing until XX/XX/XXXX when I received a settlement letter from Harris & Harris LTD for this bill that was never paid. I immediately called and informed them that I had paid in full. The debt collector stated that they saw my response in the notes but it was never removed and they had reported to the credit agencies this debt was outstanding. I immediately sent them an email correspondence and letter stating that it was paid in full. I have sent them additional correspondence and not heard anything for over 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions 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 Experian 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 Experian 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 FTC 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 havent had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX acct XXXX, XXXX acct. 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 showing that they deleted items that Experian 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 non-monetary relief
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: MO
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:
Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX XXXX XXXX a XXXX XXXX  and/or a XXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from XXXX and Equifax. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX  and Equifax ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while XXXX  and Equifax still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to XXXX, Equifax and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have three unauthorized inquiries in my equifax report file. # 1 by XXXX XXXX onXX/XX/XXXX # 2 by XXXX XXXX XXXX onXX/XX/XXXX and # 3 by XXXX XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX   XXXX back to the finance company. Since that time I get repeated calls from a company called XXXX XXXX to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and/or XXXX XXXXXXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX  and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from Transunion and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my XXXX XXXX dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from TransUnion and XXXX  ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while TransUnion and XXXX still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to TransUnion, XXXX and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. 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 2018-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to capital one was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TCF FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX XXXX - I am the POS for my dads property at XXXX XXXX XXXX XXXX, XXXX XXXX. MI, XXXX ( POA is attached ) I have sold the home and I have a XXXX dated from XXXX stating that the debt was released is attached, and the taxes on this are being paid via the proper filing on taxes with tax accountant who completed them to the federal government and the state of Michigan. The original loan was with XXXX XXXX XXXX which was acquired by XXXX XXXX they were bought by Chemical Bank. XXXX discharged the debt before Chemical Bank took then over and now has all of a sudden ( Chemical Bank ) now has tried recording their interest in the property ( until XX/XX/XXXX ) and there was nothing about the equity loan filed with county ( attached ). Chemical bank now is saying its a collection and we owe {$48000.00} when we have the paperwork attached from XXXX XXXX stating that the cancellation of debt dated back in XX/XX/XXXX and again attached is the XXXX cancellation of debt.
Regards, XXXX XXXX XXXX Email : XXXX I have also secured a Tax Attorney as representation to resolve this matter : 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 2017-06-16
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
THIS LOAN IS NOT MINE, I FILED PAPERS WITH MOBILOANS, AND NOW THEY HAVE SENT ME TO COLLECTIONS. THIS HAS CAUSED A NEGATIVE TO M Y CREDIT SCORE  AND I 'M JUST TRYING TO GET THIS HANDLED. APPARENTLY WITH JUST SOME BASIC INFORMATION YOU CAN OBTAIN A LOAN WITH THIS COMPANY WITHOUT VERIFICATION

Company response to consumer: Untimely response
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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:
There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX XXXX XXXX XXXXXXXX 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 2021-02-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my current credit report, it is stating that owe XXXX on a XXXX balance with XXXX. This was with a previous collection agency with whom I settled this debt for XXXX dollars on XX/XX/17. I received email confirmation that this debt has been settled with XXXX for XXXX and that no further collections will be pressured unless perhaps I decide to rejoin services with XXXX  which i have not. I do not understand why I am still being gone after for the remaining balance. I have the bank statement of the XXXX being taken out by the collection agency and the email confirmation proving debt was paid. I dont understand why there is a collection for the remaining balance. I have proof and I want this off my record.

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