BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: LA
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  account XXXX XXXX has violated my rights. 
XXXX account # XXXX has violated my rights XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX accout XXXX XXXX has violated my rights XXXX account # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX ; XXXX  acoount # XXXX ; XXXX acoount  # XXXX XXXX acoount # XXXX has violated my rights XXXX  account # XXXX and account # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights XXXX XXXX ACCOUNT has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681 Seection 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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, states on their website that you may prequalify for their credit card with a soft inquiry without having to receive a hard inquiry which may harm your credit score. I applied to see if I prequalified, however, when I checked the box to give them permission to view my credit report, they made a hard inquiry on my TransUnion credit report and attempted to do so on my XXXX credit report which was locked. When I complained against this violation of trust, they refused to remove the hard inquiry and issued a credit card to me against my wishes. I never activated the credit card, yet they put it on my credit reports! I forced them to close the credit card, but it remains on my credit reports. 

XXXX XXXX, effectively used deception and misleading information to steal my confidential identity information, place a hard inquiry on my credit report and issue a credit card to me that I did not want. This is fraud and I have filed a Police Report and an Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Bread Financial Holdings, Inc.
State: NY
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/2021 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 by 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 from 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Preferred Collection and Management, 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: Was not notified of investigation status or results

Complaint:
This collection agency is continuing to report erroneous information on my credit report. XXXX ( insurance company ) this debt collector multiple times and advised them that is was illegal to place damaging information on my credit report. The collection agency reps were advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider failed to timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as required..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Reason : Inaccurate information I am writing to update/correct my personal information on file with your company.

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 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was getting increased and harassing collection attempt calls from American Express about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted American Express ( AMEX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX that I disputed this account with no response each time from AMEX regarding this account. I did however receive a letter from a collection company named XXXX XXXX XXXX, XXXX  They claimed they are trying to collect a debt from AMEX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing this erroneous account with AMEX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to XXXX XXXX XXXX that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the better business bureau. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither XXXX XXXX XXXX or AMEX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by XXXX XXXX XXXX that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with AMEX. I have seen plenty of complaints against both AMEX and XXXX XXXX XXXX for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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 ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY 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 2020-10-09
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:
The accounts listed are not related to any transactions done by me. My personal information was breached, and I was a victim of identity theft.

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 2017-12-06
Company: Computer Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2017 I had to take my wife XXXX XXXX to the XXXX XXXX XXXX XXXX emergency room in XXXX XXXX Texas for extreme pain in her side ( XXXX XXXX ). We presented our XXXX from XXXX XXXX card which would have covered in network or out of network emergency room visits. Their explanation of benefits clearly say no charges after deductible in or out of network, which was met. It also says limitations and exceptions none. Available at XXXX XXXX XXXX XXXX. 
I have received a bill from the hospital for {$5700.00} which has been sent to collections because the health insurance did not want to pay the hospital the total amount. I have called the hospital and they said they cant do anything because XXXX does not want to pay the bill which in their benefits it says no limitations or exceptions after deductible. This is not the first and only bill my wife and I have been responsible for but it is the biggest one. There are others that were supposedly covered but XXXXXXXX XXXX will do anything to get out of paying. I have called them a several times times but they are very rude and say that its my problem because I was out of network ( again refer to explanation of benefits )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: DriveTime
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dt ran my credit and I had gave them permission however I didnt give them permission to run hard credit checks with multiple banks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2021, I wrote a request for the method of verification for a dispute initiated on XX/XX/2021 and the response was this account was " verified '', but ignored my request to provide the method of verification. I have verified with the United States Bankruptcy Courts in XXXX, Colorado ( SEE ATTACHED LETTER ) that there is no verification submitted,. I followed up XX/XX/XXXX, and XX/XX/2021 to have this account removed considering there was no verification which is a direct violation of FCRA. The account is still reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Greetings, I have initiated a multiple disputes with XXXX over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for XXXX  to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Account : BANK OF AMERICA - Account # : XXXX XXXX  Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX XXXX : XXXX DOB : 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 2021-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from CAPITAL ONE BANK. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Williams & Fudge, Inc
State: WA
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: Received unwanted marketing or advertising

Complaint:
I have received harassing phone calls from XXXX XXXX XXXX XXXX numbers for some time. The numbers are : XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( three missed calls ), XXXX XXXX XXXX XXXX XXXX ( one missed call XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( two missed calls ), as well as calls with similar frequency further back that are attached in the screenshots provided. 

Today, I finally received a voicemail from XXXX XXXX XXXX XXXX XXXX that stated " We have an important message from Williams and Fudge, Incorporated. This call is from a debt collector. Please call XXXX XXXX at XXXX. Thank you. '' Upon searching for the number to call back, the number was not associated with Williams and Fudge directly and has several scam reports. They are typically associated with student loans and with my federal student loans my account is current, so this is obviously a scam call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX  XXXX  XXXX  XX/XX/XXXX {$360.00} XXXX  XXXX  XXXX  XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( Transunion ) XXXX. XXXX, XXXX {$150.00}

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 2020-05-08
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-09-06
Company: MoneyLion Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company allows a one time deferred payment over the life of the loan. I did a deferred payment XX/XX/2021. When a customer deferred a payment is just extends the XXXX. The company reported to the credit bureaus incorrectly a late payment for XX/XX/2021 causing my credit to drop significantly, and payment history to go from 100 % to lower. They also are reporting incorrect balance left owed. I have called their customer services but they were of no help and wouldnt fix this with reporting to credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-06
Company: GOLDMAN SACHS BANK USA
State: OH
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 had my cell phone and wallet stolen while attending a medical conference in XXXX XXXX, LA XX/XX/XXXX. When I arrived home on XX/XX/XXXX and ultimately had access to the internet, XXXX XXXX informed me via email that a new hard inquiry appeared on my credit report. I discovered that a Goldman Sachs Apple Card had been opened in my name and that {$4700.00} had been charged. I immediately contacted Goldman Sachs and Apple to inform them of this fraudulent activity. I was advised to change my log-in information and informed that I would not be responsible for fraudulent charges and that the account would be closed. They requested that I document this information on IdentityTheft.gov and submit this information to XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. I completed this information and submitted it to them the subsequent day. I filed a police report with XXXX XXXX Item : XXXX. I froze my credit and created fraud alerts with all three credit bureaus. Over the last several months, I have contacted Goldman Sachs countless times without any hint of a resolution. I filed a dispute with XXXX  on XX/XX/2020.  Unfortunately, the result was that the disputed information was somehow verified as accurate. I then received an email from Apple Card on XX/XX/2020 that said my Apple Card account was 48 days past due and that my past due balance was XXXX. This was the first time I had received anything in writing from Apple or Goldman Sachs. I spoke to Goldman Sachs at least five additional times including supervisors all of whom say they have 'escalated the situation ', that I should not be receiving these bills but that I should just continue to call back in a few days. I again filed a dispute with XXXX  XX/XX/2020. I reviewed my credit report today after I was notified of a drop in my score to find that my payment history now includes my first ever missed payment.

Company response to consumer: Closed with explanation