BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was not provide any documentation showing this is my debit. i open any inverstation with the credit companies and never receive any proof that this is my debit. But they are still reporting Account name XXXX XXXX XXXX Account number XXXX  Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6600.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$6600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX This letter below was sent to the three credit companies 6/15/2022 Dear : According to the fair Credit Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for the reporting service could fax, mail, or e-mail a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with a signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand the following accounts to be verified or removed immediately XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX Unverified Account Please remove all non-account holding inquiries over 30 days. 
After you have finished my request, send me a copy of my credit report reflecting these changes. 
Sincerely, 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 2017-12-01
Company: CORELOGIC INC
State: NC
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 pulled my credit report and noticed that their were 3 inquires that were not mine. I contacted the credit bureaus. ( XXXX XXXX XXXX ) XXXX XXXX. To have the fraudulent inquiries removed. I was advised to get in contact with the company. I tried previous times to get in contact with these three companies with no response. On XXXX/XXXX/XXXX I also sent certified mail to these three companies advising the date my inquiries were pulled and that they were fraudulent and that they had 10 days to remove the inquiries. It has been past 10 days and I have yet heard anything for either of these companies, nor have these inquiries been removed. The three companies are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inquiry pulled on XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX I have done my due diligence to notify the bureaus. And the companies about these inquiries and nothing has been done. Attached is one of the letters I sent, I sent the same letter however changed the address on each and also attached is the certified mail receipts.

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 2022-03-29
Company: EQUIFAX, INC.
State: WA
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:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: TX
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 # XXXXXXXX XXXX XXXX ), account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX - Disconnected XXXX internet service in XX/XX/XXXX. Due to switching to XXXX XXXX. End date : XX/XX/XXXX. Final Bill : XX/XX/XXXX. 

XXXX - Notification from XXXX  to return the following equipment -Network Router : XXXX -Network Router : XXXX -Cable Modem : XXXX I followed link to a pre-paid shipping label at XXXX/XXXX  to ship it back. I filled out the form, printed the label, it equipment into in a cardboard box and brought it to the mail carrier XXXX - Email notification from XXXX of {$80.00} balance XXXX - Contacted XXXX to inquire about equipment charge of {$80.00} dollars. I spoke with XXXX. Call reference number : # XXXX. I informed him that I had mailed back the equipment using their own XXXX label. He checked my account and stated eventually stated that : " I am able to see that your account balance Is {$0.00} '' XXXX {$80.00} charge appeared on my checking account. Contacted XXXX to dispute the charge, Spoke with XXXX ( Call reference # XXXX ) control # XXXX. He stated that : " Oh okay, I was able to confirm from the notes on XX/XX/XXXX that the {$80.00} charge was removed '' I informed him that I was charged anyway on my debit card. He stated : " What I am going to do is sent an equipment form so we can look Into this once we look into this we will remove the {$80.00} charge and you will have that chargeback to your card ''. I asked him what equipment it was and he reported that they are missing the XXXX brand Modem. 

I escalate to a supervisor, who was to call me back in 24-48 business hours - but I did not receive a call, and it was impossible to reach out to the same representative. 

XXXX - Called back and provided call reference numbers and asked to speak with a supervisor and was told I need to wait for a callback. Did not receive any missed calls during this time from unsaved numbers, and did not receive a voicemail or anything else that would indicate a callback was made. 

XXXX Disputed the {$80.00} with XXXX XXXX  and had the charge removed because I returned the equipment already. 

XXXX - Email from XXXX saying I have a statement amount of {$100.00}. I attempt to login to view the statement but I am unable to retrieve the account login without the account number on my statement. I tried to call the customer service number and hung up after an excessive wait length and I had already disputed the amount with my bank, so I gave up in frustration. 

XXXX The statement amount becomes {$120.00} at some point XXXX FICO score of XXXX. I'm usually somewhere between the score of XXXX XXXX - FICO score drops to XXXX XXXX - I request a copy of my credit report and found a Derogatory Remark from Collections from Optimum. 
XXXX - Filled dispute with XXXX  XXXX Dispute completed - information updated but not resolved XXXX - Filing complaint with the Consumer Finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The calls date back to XX/XX/XXXX. I receive/received repeated phone calls from XXXX XXXX XXXX , XXXX. Although the address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, the company is outsourced in XXXX. XXXX XXXX XXXX , XXXX is trying to collect money for an account from XX/XX/XXXX. All of my accounts with this company are outdated. The customer representatives have incorrect address on file, my accounts are passed to more than one person I continue to speak to different people regarding my information. When I ask to mail all of the information regarding my payments that are due, the response is " I only handle this account '' although my accounts are with the same company. One of the representatives was condescending and rude and some customer representatives were aggressive and wanted me to make a payment during the phone calls. When I asked to speak to a manager, I told him about the situation, the manager was rude as well. I think it's unfair for me to make payments on closed accounts. It's also frustrating to have multiple customer service representatives calling me and pressuring me to make payments for multiple accounts all at once/same time for debt that is over ten years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: MD
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 been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXXXXXX- {$630.00} account no : XXXX 2. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response

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 2021-09-14
Company: EQUIFAX, INC.
State: MD
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 been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXX- {$630.00} account no : XXXX XXXX. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, 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:
I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
During the timespan of XXXX XXXX, an account was created with Experian using a fraudulent email. We have since frozen our credit, however the individual with this email is notified if we freeze, lock etc. We have unsuccessfully tried to navigate through Experian 's IVRs - often on hold for hours at a time, and disconnected frequently. We need a live person to remove this email from my social security number so we can secure our account.

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 2020-06-24
Company: Experian Information Solutions 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:
There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX ( Experian & XXXX  ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( XXXX  ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( 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 2017-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I received my bank of America monthly statement. I used to be a bank of America employee. I never use this account and the closest banking center is 45 miles from my home. Bank of America never notified me of any changes that would take place to my account and now I am being charged with a XXXX service fee. My balance was {$5.00} It was opened in XXXX of 2016. I  never received a fee prior to this. I called the customer service line and told them to close the account and waive the fee. After 30 minutes on the phone I was transferred to the collections department who informed me I will continue to accrue a XXXX a month fee and they are unable to close my account until I pay the negative balance of XXXX. She also stated I will receive another XXXX fee on my next billing cycle. I have no transaction history on this account. had they notified me that I would accrue a monthly charge I would have closed it earlier. I received no correspondence from Bank of America.

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 2021-03-06
Company: Experian Information Solutions Inc.
State: CA
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 showed up on my experian account. I immediately tried to file a dispute with Experian as i have NEVER had an XXXX  XXXX account ever. They did not remove from my credit report. 
This is not my debt. 
I have never authorized anyone to open an XXXX XXXX XXXX account. 
I attempted to have experian remove this again and they still have not removed from credit report. Super frustrating b/c this is not my account, nor have I ever had an XXXX XXXX XXXX service or account of any kind ever.

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 2021-02-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I made a bill payment through HSBC 's online banking platform to pay my credit card with XXXX  for my full statement balance of {$780.00}. As noted on HSBC 's website, they have a " {$0.00} Liability, Online Guarantee '' which states that " HSBC will bear the responsibility for any late payment related charges should an online bill payment arrive after its due date as long as you scheduled the transaction within five business days of the payment due date. " : XXXX XXXX XXXX I selected the soonest available date on the bill pay calendar, which was XX/XX/2021. The due date for my XXXX credit card was XX/XX/2021. The payment did not arrive to XXXX until XX/XX/2021. Because the payment arrived late, I was charged a {$29.00} late payment fee and {$25.00} interest charges by XXXX. I don't carry a balance on my XXXX  card over to the following month, so I wouldn't have had interest charges incur if the bill pay would've made the payment on time, as promised. I called HSBC 's customer service on XX/XX/2021 to inform them about the fees. The reference number for my HSBC case is XXXX. It has been over 3 weeks and HSBC refuses to refund me {$54.00} ( {$29.00} late fee plus {$25.00} in interest charges ). HSBC claims the payment did arrive to XXXX  on time but they can not provide a tracking number to confirm this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent out an Affidavit of Truth to CREDIT COLLECTIONS SERVICES which has been ignored. I've sent out a Notice of Default and Opportunity to Cure with hopes to get my issue resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: AL
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 am a victim of identity theft and my personal information has been used to open several accounts and more attempts made to get credit. I have included the police report & identity theft report. Please permanently delete these things from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Discover.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Case number : XXXX Amount Disputed : {$14.00} Received a food delivery order from this merchant, immediately, after receiving order noticed an error with one of the entrees. Called merchant on same date of purchase, spoke to XXXX at the merchant and asked for either the proper item be redelivered to me or a credit issued to my payment method. The individual hung up the phone on me! Was provided a lengthy document to fill out from Capital One, this was faxed- see attached pages. Obviously, the merchant has no interest in rectifying issues in which they have caused, leaving me no alternative but to file a dispute.

Company response to consumer: Closed with monetary relief