BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is related to the Law Offices of Marvin C.S. Dang XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt. 
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: PA
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Please see attached copy of our XX/XX/22 letter to three Bank of America ( " BOA '' ) senior executives. 
As explained in detail in our attached letter, on XX/XX/22, Bank of America erroneously charged our XXXX  account {$1600.00} for " XXXX PAYMENT REFUND ''. 
The charge is entirely spurious. 
Whether the spurious charge came about innocently, through a BOA clerical data entry error - or, as the result of fraud perpetrated by a BOA employee or by some outsider who duped BOA staff, there is not now, and never has been, any basis whatever for it. We neither requested nor received any such refund. 
If a {$1600.00} refund was in fact paid, it was paid to someone other than us, via an account other than any account of ours. Regardless, BOA should have, but obviously does not, maintain effective internal controls to prevent any ACH payment refund from being sent to an account different from the one from which the payment being refunded was originally transmitted. BOA management 's failure to have such controls in place is shocking and inexcusable.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: MA
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:
Unauthorized charges on the credit card. when i made XXXX aware they did not resolve the unauthorized or fraudulent charges. When i called to resolve this issue multiple times, there was no one in the united sates able to speak with me. I was passed around and ignored. The charges grew in interest and XXXX has refused to ever resolve this issue. They do not respond to phone anymore, they will simply transfer me to debt collectors. The dispute i did with experian was lacking and did not address the identify theft. Please provide assistance! This happened in XXXX. XXXX will not provide or allow me access to my account to provide any supporting evidence or documentation

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 2018-08-02
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I truly can't see myself writing this letter in regards to my credit card being deny by XXXX XXXX XXXX. After many years and products and service with XXXX XXXX. I can say XXXX XXXX has over 10+ accts of mine. Not excluding at least 5+ auto loans paid well. H/E loan paid off. Many PL paid off. 100 % of mine and XXXX my kids accts. Not one time 10+ yrs have we been never late with many credit accts or debit accts. My issues is that I open an credit card with XXXX XXXX many yrs ago and added my wife to the card. recently her business partner stole $ XXXX from her LOC and she had no choice to file BK # XXXX. So with her being added to my XXXX cc, I understand 100 % why they closed it. So i applied for a new one under my name again to replace the closed $ XXXX XXXX credit with no balance and very rare used it only for monthly deducts for my home insurance. I called the XXXX XXXX XXXX and spoke to the XXXX dept. and advised the entire case. The XXXX was very understandable and he told me that he would send it for a second review and he saw the entire case vert well and was worth 100 % approval. So XXXX XXXX XXXX : deny me for the reason attached to the letter. Sorry I have contacted XXXX per the letter and XXXX gave me my CR and i do not see how they got that information.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
Remove negative inaccurate accounts immediately The original agreement with acceptance now 1 doesnt have any signature 2 have only employees s signature 3 this contract isnt legal 4 if this contract or agreement doesnt match with any credit bureau why Still in my report and why Transunion have verified this account as accurate I want to hear how Transunion will explain that to a judge And is a big violation committed by Transunion even violating my rights with this unfair act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2018 I disputed five enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. The five accounts in question are listed here. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # 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 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Received phone call from Citizens Pay debt collection to collect a remaining balance of {$150.00}. When asked how is this when we paid off the balance of {$2700.00} in XX/XX/2022 the representative did not have supporting documentation to explain the {$150.00}! We were transferred to customer service to further investigate. Customer service agent called XXXX on a 3 way call. XXXX representative couldnt find supporting documents to explain the additional charge! XXXX was paid in full in XX/XX/2022 and should have been closed after 90 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
[ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Capital One Spark Business Credit Card ] This information is obsolete and should no longer be appearing on my credit reports; please delete it. 

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. 

Truly XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of the alleged debt. I have never entered into any contract or agreement with XXXX XXXX XXXX. I have not received any written communication from XXXX XXXX XXXX which is a violation pursuant to 15 U.S.C 1692e False or misleading representations. 
( 10 ) The use of any false representations or deceptive means to collect a debt or obtain information concerning a consumer.

This is also an alleged medical debt which pursuant to HIPPA Laws is a violation of my conusmer rights. XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the XXXX XXXX XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
My mom put me as a authorized user onto her Capital One card but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have two personal loans on my credit report from XXXX. I have no idea what these are or the amounts. The loans have no account numbers on the report and XXXX is no help. the loans are for {$18000.00} and {$27000.00}.

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 2018-05-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have never had a account with this company, now they are reporting in my credit under a bankruptcy. I told the rep I disputed this account requested validation of the inaccurate account on my credit report, then added it to a disputed bankruptcy on my credit report. I was also told they open this accounts online. I told the rep I am a victim of identify theft also had a problem with a security breech, They refused to remove this account from my credit or provide me proof of who opened this account, I also requested a contract with my signature. This is not my account and has been damaging my credit for years. 

The address the rep gave I have never lived at. I am demanding this removed this is a fraudulent account & has not been filed under a bankruptcy. I believe this status was added to keep this inaccurate information on my credit longer after my dispute with this 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 2023-06-13
Company: Experian Information Solutions Inc.
State: NV
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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX  XXXX XXXX Balance : {$1200.00}

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 2021-06-09
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
The original debit was with XXXX XXXX then sold the debit to XXXX XXXX XXXX. On XX/XX/21 XXXX XXXX XXXX agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. Experian and XXXX arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, 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 2018-05-25
Company: Navient Solutions, LLC.
State: DE
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 have two personal loans on my credit report from Navient. I have no idea what these are or the amounts. The loans have no account numbers on the report and Navient is no help. the loans are for {$18000.00} and {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan with XXXX in XX/XX/2020. Since then, I have paid additional amount to gradually reduce my principles. However the balance does not fully reflect all the money I have paid. I tried to contact the service co. ( BSI Financial ) but nobody can be reached. 

I would like to have a full history of my long balance changes.

Company response to consumer: Closed with explanation