BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently disputed a medical account with AR resources inc to validate an account ( XXXX2020 ) that I have with them and they sent me my medical bill and that is A HIPPA VIOLATION. I did not sign a HIPPA form authorizing this collection agency to access my medical records they are violating HIPPA policies and violating my privacy as well. I will send proof of the letter I sent and what I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
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: Account information incorrect

Complaint:
A credit card account, previously charged off, was settled with XXXX XXXX as agreed. [ See attached letter from XXXX XXXX ]. XXXX XXXX has requested that credit bureaus do update this account to reflect that no balance is owed. 

Despite XXXX XXXX request, XXXX XXXX and Experian have refused to do update this account. 

I am requesting that XXXX XXXX and Experian update this account to reflect a balance of zero since the account has been settled and nothing is owed.

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 2019-10-08
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:
Hello, I have a new credit card with XXXX XXXX  for XXXX and it was only added to XXXX. I spoke to Equifax and XXXX  and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent my monthly credit card payment on a timely manner however because of the sanitary emergency apparently the US Postal Service delayed the delivery of my payment and as consequence my payment was received by the bank one day late. 

Capital one has charged me a fee of XXXX dollars on XX/XX/20 because of the payment being late one day. I strongly dont agree with the late fee charge not because the amount fo the charge is because of the principal/action of the bank. It really bothers me that not even the sanitary emergency makes them human and sensitive to what is going on on the world. 

Capital One is a bank that they only care money and they dont care people their customers. It is a very irrational bank that should be punished by the regulatory agency as they are not considerate with what we all are living now. 

This bank has no moral and no mercy and they believe that with their actions they will be richest. Again, what bothers me me is their injustice and stupidity I dont know in what world they live in. If they doing this to me I can imagen what else they can be doing to others that really needs help and support. This action should be punished and to be published so people dont do business with them anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : 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 2020-05-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 3 XXXX XXXX cards that are supposedly all linked. I receive emails letting me know when something is due on my account, every time I check I have XXXX due to my account paid and a {$6000.00} credit line. I don't know why, but the account # XXXX XXXX XXXX XXXX has a {$55.00} charge for which I was never sent the email or statements for and is now in collections with XXXX XXXX XXXX with a balance of {$370.00}. I tried calling XXXX XXXX several times for the statements and to try to explain that it was not fair that this charge is on my account and not notified of owing on this credit card, since all my account are linked. I don't even know if it's my charge, but it's ruining my credit. I would make an arrangement with the collection agency just to resolve, but they are charging me over 400 % of the balance and will report me as short paying a debt. This has been very difficult for me because when I login the accounts are suddenly not linked now and they have an old address and my new address. Here are my other credit card number with XXXX XXXX # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX. 
If you could please assist me with getting this resolved, as I dont believe this charge is mine and it affecting my credit negatively. XXXX XXXX will not send me the statements or my signature that I signed for this charge. 
Thank you, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2020, I had applied for a consumer credit card ( Propel Card ) at Wells Fargo bank. Later that day, I received an email from the bank saying that they are asking me to call a certain 1-800 number to discuss my application. When I called hostile agents informed that my application would be denied because as an immigrant I do not have the " right '' to have credit cards or credit lines in the U.S.

I am a LEGAL immigrant in the U.S.,  with a valid work visa, and an SSN, and have been in the U.S. for 12-years and counting. I have multiple credit cards from multiple banks and agencies. My credit rating is EXCELLENT, and my FICO score per XXXX is VERY HIGH. The only reason they rejected my application, according to them, is ONLY because of my immigration status.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my 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 2019-05-25
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
Dear Sir ; i have filed a complaint of Identity theft with the Attorney general of Massachusetts. 
I have a loan from Santander Consumer USA of an Automobile that i have never ordered or purchased. It is identity theft and FRAUD!!! 
according to XXXX it is an outstanding loan stared in XXXX of 2014 i never ordered this 2009 XXXX   XXXX. and never driven and never bough this vehicle. 
i hat XXXX XXXX the are very troublesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2018-08-14
Company: Southwest Credit Systems, L.P.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I closed my credit card at age XXXX, to avoid the predatory nature of credit cards, without education of the adverse effect on my credit history and would like this account removed from my credit report as a courtesy on my didactic journey to good credit.

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 2019-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
My wife and I requested our annual credit reports from Experian, XXXX, and XXXX and received them this month ( XXXX ). The XXXX  and XXXX reports are easily legible with black type on a white background ; however, Experian uses a color-block payment history legend that is illegible for those individuals who have various degrees of color XXXX. As a result of this condition I am unable to visualize white lettering on a pale yellow background which Experian utilizes for the following payment history designations : Current/Terms of Agreement Met Account 30 days past due Account 60 days past due Account 90 days past due Account 120 days past due Account 150 day past due. 

The payment history legend utilized by Experian appears to be designed to confuse the consumer. Using a black type against a white background as used by XXXX and XXXX  would improve comparability between the credit reporting agencies and ultimately be of great benefit to the consumer.

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 2018-08-14
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX offers a special event payment program where the payments can be deferred up to 12 months. The payments have not been applied properly for the past two months. The payment allocation should be first to the revolving balances and then to the special event program. I was informed by XXXX that I will have to call every month to have the payments applied properly. 

Interest charges have been levied to the revolving account balance inappropriately. I have paid the revolving account balance in full each month.

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 2019-05-25
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditors Just put something on my credit report that was never there before! I just searched my credit report today XX/XX/2019 And saw this company " EOS CCA '' XXXX. XXXX XXXX XXXX, Massachusetts XXXX This debt is for {$240.00} Dollars! I know nothing about this account! My Identity was stolen and yes I did a police report about this matter. Can someone please look into this matter? Am tired of being harassed by this debt collector! This is showing on my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: ENCORE CAPITAL GROUP INC.
State: AR
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:
This issue involves XXXX XXXX XXXX XXXX XXXX. There is an account for {$840.00} XXXX XXXX started reporting, then XXXX XXXX is reporting the same account as a collection. 

I never heard of either company until I checked my credit. It's stopping me from buying a digital label printer. In my line of work I need to upgrade my printer, it costs {$13000.00} and I want to finance it. But these accounts are costing me business. 

I wrote both XXXX XXXX & XXXX XXXX to let them know they are reporting this information on the wrong person and please delete from my credit report. I have no middle name and this individual appears to have one. Plus, there are 2 different addresses on my credit report that I have never lived, nor do I know the occupants at those addresses. 

XXXX XXXX sent a letter and said, " We are in receipt of your recent correspondence regarding an account with XXXX XXXX XXXX. Please be advised that we were unable to locate an account with the information that was provided. '' The information I provided XXXX XXXX regarding this issue, is what XXXX XXXX reported on my credit ... Yet they have no information on what was provided. 

How does that happen? 

XXXX XXXX replied and provided a statement for {$840.00}. The statement is addressed to a place I've never lived. The only reason they have my address is because I wrote to state my address to quickly resolve this matter. Where I receive mail, I have been doing so, since the age of XXXX. 

How does that happen? 

I wrote XXXX XXXX back explaining they are reporting on the wrong person. That letter was dated XX/XX/XXXX and I have yet to hear anything from him relating to this subject. Furthermore, I included two invoices showing my legal address back in XX/XX/XXXX & XX/XX/XXXX. 

I don't know what else to do ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : 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 2022-01-08
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : 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 2018-08-14
Company: LEXISNEXIS
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018 I called the company called Lexis Nexis to  dispute a bankruptcy that this company is reporting to different credit reporting agencies, however when XXXX ( ID number is XXXX ) refused to take my call because I was communicating through a XXXX XXXX XXXX. He said he can't continue my call unless I have a power of attorney letting them know that I give them permission to XXXX the call for me. Why should I have to provide them power of attorney so that I can dispute information that they are reporting. If a XXXX person were to call in and verify all of the correct information they would have been allowed to continue the call. It is discrimination to a huge degree that they did not allow me to dispute my own information all because I had a XXXX XXXX XXXX XXXX  the call for me.

Company response to consumer: Closed with explanation