BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX Wakefield and Associates put a collection account on my credit report acct # XXXX. I have received no prior notice or information from them regarding this account would be reported negatively.. I was on a payment plan of {$50.00} a month for a medical bill from XXXX XXXX, which I was paying, They have no right to put a negative item on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.

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 2022-10-21
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: Information belongs to someone else

Complaint:
I am submit this compliant for myself and myself only I am a victim of Identity Theft I have attached the 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 2023-07-24
Company: EQUIFAX, INC.
State: WV
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX a {$32.00} charge for monthly parking pass by XXXX XXXX XXXX ( XXXX ). Was told by XXXX that the monthly pass could not be used by XXXX  after purchase, and to dispute with credit card company, as no refund would be issued. Capital One was the issuer for which a dispute was filed days later on XXXX. 

In early XXXX, I reached out to Capital One Dispute Center and they stated that they asked for detailed letter outlining complaint after dispute was made, and in the digital resolution letter I never received it stated " confirmation no cancellation policy was received '' ( attached ) and therefore the {$32.00} would not be credited to my account permanently. 

Reached out to Capital One again on XXXX, saying I did not receive digital notification of this, upon noticing the charge-back, and the Capital One call representative asked for a detailed letter of the dispute ( attached ), responding hours later that it had been over 60 days ( it was not ) and to contact the merchant. Furthering this ordeal, I reached out to Capital One again on the morning of XXXX and they again asked for a letter detailing the issue, and once again issued a letter saying I did not provide what they asked for ( attached ) and the matter was resolved to contact the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a bonus of " up to {$250.00}. '' It went down to {$150.00} after putting in my zip code. I completed the requirements for the bonus, which were " make at least {$500.00} in qualifying direct deposits within 90 days of account opening, '' but I have not received the bonus. The CSR who I contacted stated there was no bonus on my account but I signed up through the link and copied the terms and conditions. 


" make at least {$500.00} in qualifying direct deposits within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. The bonus will be credited to your account within 90 days of all requirements being met. '' My direct deposit was a recurring electronic deposit from the government and was above {$500.00} cumulatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4 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 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 2021-11-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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:
XXXX XXXX XXXX  Balance {$2800.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX Balance {$85.00} Date Opened XXXX XXXX, XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX XXXX {$9000.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
unauthorized credit check inaccurate 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX Account name : XXXX XXXX  XXXX, Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX # XXXX, Account name : 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-12
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had an existing claim with my mortgage company and they lied on that claim stating I denied a mortgage modification, when they told me my loan did not qualify and I only had a deferral option. XXXX and SHE had called me on XXXXafter my initial claim XXXX stating they would expedite my application and get the deferral done. This had not happened as of yet and I am still awaiting after my original application date of XX/XX/XXXX for loan modification was submitted. 

I have called on XXXX, XXXX, XXXX, XX/XX/XXXX and on XX/XX/XXXX requesting the deferral information and they keep dragging it out and not having supervisors call back with my request. Now they are stating it will take another 90 days to get this process going.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$370.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) Balance : {$40000.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 explanation
Consumer complaint received 2021-11-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
While banking at SunTrust bank It is as clear as light when you do business in XXXX  communitys vs other communities you are treated very differently. This time I could not find a notary in XXXX  areas after spending about four hours of driving around. The next business day I found a SunTrust in a XXXX community with a notary, and I went there and was treated like a villain at the XXXX XXXX SunTrust location. The security guard made me feel as those I was doing something wrong for coming in the bank also, they told me my letter was done wrong and I needed to go home and re- type it. ( I was refused serviced ) I went to the white side of town and had it notarized in seconds. I have a mortgage and checking account with this bank. Also, the XXXX XXXX location did not answer the phone until XXXX. You would think they are operating on CP time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: MS
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: U.S. BANCORP
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called Valley Bank requesting a rewards redemption check. Their representative said the points had expired and that an e -statement had been sent to me notifying me to use them prior to expiration.

I have never opted into e - statements and did not receive one. I told them i always get paper statements and had never received any such written information about using or losing them. 
The bank rep said the account was switched to e - statements a few months prior but could not tell me who switched the account and could not rectify the problem.

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 2022-10-21
Company: Experian Information Solutions 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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Experian XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. According to 15 USC 1681i Any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ), the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Experian, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXXt ; former XXXX XXXX, XXXX XXXX XXXX, This has caused me tremendous XXXX, stress, and financial hardship.

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 2021-11-12
Company: CORELOGIC 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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2018-02-08
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt Collector : Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Incident : XX/XX/XXXX I contacted Conserve on XX/XX/XXXX, upon receipt of a letter dated XX/XX/XXXX in reference to a student loan debt. I spoke with " XXXX '' and then later asked to speak with her supervisor and was transferred to " XXXX XXXX ''. I told her that I was calling to make payment arrangements to resolve the debt and to prevent further damage from my credit I told her that I am XXXX years old, a XXXX XXXX XXXX XXXX working a part time job earning just over minimum wage. I do not have any savings and as such, proposed a payment plan of {$25.00} per month. XXXX XXXX told me none of the details of my circumstance matter in that the minimum payment they will accept is {$50.00} per month. 

Then I asked to confirm that Conserve would agree to refrain from reporting any further delinquent notices to the credit agencies as long as I made each monthly payment on time as agreed until paid in full - she refused to agree.and told me " the only way '' she can tell me they will refrain from reporting me to the credit bureaus is IF I paid the total amount in full by XX/XX/XXXX. 

It is unfair and unethical business practice for Conserve to not attempt to work with me regarding the monthly payment amount, to threaten to report me to the credit bureaus if I do not pay the full amount by XX/XX/XXXX,  and to refuse to refrain from reporting me to the credit bureaus while I am in a repayment plan and in good standing. 

The original debt amount shows {$220.00}. 

Conserve is attempting to collect an additional " CREDITOR ASSESSED COLL COSTS '' in the amount of {$67.00} for a total of {$290.00}. 

Conserve is not licensed to collect said debt in the state of Florida.

Company response to consumer: Closed with explanation