BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 I went to the hospital and was required testing. They collected my XXXX information but failed to bill the {$2600.00} to my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I opened a checking account at Bank of America and applied for a Visa Debit Check Card. I received a temporary card that is misplaced or even stolen. I need to file this complaint to assure that no fraudulent activities occurred on the missing temporary Visa Check Card.

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 2019-07-18
Company: Experian Information Solutions 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:
The accounts needs to be remove immediately from 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: IN
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I check my credit score via my " Capital One '' credit card account regularly. I do not know if this is the norm across all reporting agencies and all financial institutions, but I believe the way the credit scores are calculated is very unfair, let me explain. 

My Capital One credit card account calculated my score based on 6 categories. Mine are listed below. I have two problems. 
1 ) " Credit Used '' and " Available Credit '' are TWO different categories. If I make a large charge on my credit card, I get dinged twice, in two different categories. My " Credit Used '' increases, and my " Available " Credit '' decreases. Making a charge on my credit card should NOT affect TWO different categories, it should only affect one.

2 ) It is fairly easy to have 100 % On-Time payments to achieve an " excellent rating '', but it is outrageous in my opinion that in order to achieve an excellent rating for " Oldest Credit Line '' is 25 years. 

Can you please send this to everyone that can address this, even within our government to have these issues addressed?. If this is solely based on the way Capital One calculates the credit score, then they need to address this. Otherwise, if this is how all financial institutions calculate credit scores, then this needs to me changed/modified. Thank you for your time!. 

My reporting from Capital One Bank : 1 ) On-Time Payments - 100 % Excellent 2 ) Oldest Credit Line - 22 Years - Good 3 ) Credit used - 6 % - Excellent 4 ) Recent Inquires - 0 - Excellent 5 ) New Accounts - 1 - Excellent 6 ) Available Credit - XXXX  - Excellent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Bread Financial 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: Account information incorrect

Complaint:
On XX/XX/XXXX I sent Comenity Bank a certified letter that was delivered XX/XX/XXXX. ( Copy of letter uploaded ). It was a " letter of inquiry '' about Comenity Bank 's policies and procedures for reporting on credit reports for sold accounts. I sent supporting documents on past reporting of my sold accounts and asked Comenity Bank if they could answer some questions I had about their " past reporting ''. 
I stated multiple times within the letter this was NOT A DISPUTE. I stated my old accounts with them were reporting CORRECTLY since XX/XX/XXXX, I just wanted to get some information on their procedures and " past '' actions. I also stated I did NOT give them permission to access my credit reports. I did not want them altering any current information. Comenity Bank sold all my accounts to XXXX XXXX and stated XXXX was my " new creditor '', meaning they no longer had a business relationship with me or permissible purpose to access my credit reports. Instead of answering my letter in writing, Comenity Bank knowingly and willingly inserted erroneous dispute remarks with the 3 major credit reporting agencies XXXX, XXXX and XXXX. I never filed a dispute with the CRA 's for these accounts nor did I " dispute '' them with Comenity Bank. 
I was alerted to these disputes when I received 7 emails from EQUIFAX on XX/XX/XXXX. ( 1 example uploaded ). The emails state Comenity inserted a dispute remark saying " CONSUMER '' disputes, and multiple other changes. I then checked XXXX  and XXXX  XXXX Example of XXXX  dispute remark uploaded ) and saw the same dispute remarks, other changes and the addition of a " duplicate '' Victoria 's Secret account on my XXXX report. ( Copy of both XXXX  Victoria 's Secret accounts that are reporting uploaded ). The duplicate account also has a different account number and different closing date. 
This situation is not only in violation of the FCRA, but has caused me emotional distress, because it has possibly compromised my character and credibility with the Credit Reporting Agencies for future disputes. I would never dispute multiple accurately reporting accounts. This situation has also jeopardized my current chances of having my mortgage loan application approved. Comenity Bank has every right not to respond to a letter of inquiry from consumers but has no right to falsely report information to the Credit Reporting Agencies jeopardizing Consumers reputations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: SYNCHRONY FINANCIAL
State: IL
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 Report 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 that a consumer reporting agency can not furnish a account without my instructions. 

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

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 2021-04-08
Company: SERVICEMAC, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX ServiceMac sent Loss Mitigation Application, hardship affidavit, which were submitted online on XX/XX/XXXX. request of 1 month paystub, 2 months bank statement, utility bills, HOA statemtn which were submitted on XXXX. 
During a call on XX/XX/XXXX above docs could not be found by company reps. Another call on XX/XX/XXXX they still couldn't find docs eventhough they could be viewed on their website. Sent whole package by USPS on XX/XX/XXXX received by company on XX/XX/XXXX. On XX/XX/XXXX company requested to resend bank statements. Done via USPS on XXXX.Another call to company on XX/XX/XXXX and was informed to send an all new package signed and dated incl. paystub and bank statements. Said it has to be done every 30 days according to CFPB rules. This was the first time it was mentioned between XXXX and XXXX. New package sent on XX/XX/XXXX. Received by Company on XX/XX/XXXX. 
Amount due to reinstate loan as of XX/XX/XXXX {$12000.00} ( interest rate 4.6250 % ) Amount due to reinstate loan as of XX/XX/XXXX {$16000.00}. 
I could have been making payments since XXXX XXXX but company is stalling. 
On XX/XX/XXXX company sent someone to verify if house is occupied. Broke in.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Multiple addresses on credit report, I verified my current and only address, for all others are undeliverable and must be removed as per FCRA. Mailed in copy of state issued driver license, and bank statement with my current and ONLY address. All three credit bureaus still have multiple addresses on my credit report and all 3 have different addresses? 
Many of these addresses, I have not lived there? Furthermore there are XXXX different XXXX XXXX that resides in a XXXX miles radius here in XXXX, Tx. 
! I have ONE social security number, ONE drivers license, ONE address, ONE birth certificate, everything matches??! Why do I have multiple ADDRESSES on my credit report?, you can only claim ONE address for your place of residence in Texas its the LAW. My credit report is no different? I have mailed ( certified ) letters to all 3 bureaus and they still refuse to correct these fraudulent errors, on my credit report, my next course of action is to file a lawsuit in small claims court against all 3 bureaus.

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 2021-04-08
Company: Flagstar Bank, N.A.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by Flagstar Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I had my mortgage with XXXX XXXX. 
I am a XXXX XXXX XXXX. 
I had hired a property management company to pay all my payments. 
IN XX/XX/XXXX : XXXX XXXX was brought by Flagstar Mortgage But because I and my property management company did not get appropriate notices, they kept on making payment to XXXX. 
IN XXXX XXXX XXXX : My property management company made mortgage payments to XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX all on time now XXXX XXXX did forward the payment in XXXX to Flagstaff but did not forward the XXXX and XXXX payments. 
Account information : Flagstar Bank Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$170000.00}. 
This company has been negligent and unfair. They have committed multiple violations to my consumer rights and I need a fair solution. All I want is to get the late payments corrected and the bureaus to get notified to make the change. 

Please see the document attached.

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 2017-06-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have seen the Public Record in my report, it 's over 7 years BKPT CT AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have legitimately have already paid off XXXX of my credit cards at Jp morgan Chase bank, and kept paying to build credit. XXXX of them is {$4500.00} in debt, as I discovered through my main bank XXXX Chase XXXX bank on XXXX and XXXX XXXX, XXXX XXXX, California, the limit is {$1500.00}. someone has been spending beyond my limit and on top of that my XXXX XXXX is still poor. I opened a case withc chase bank itself, they refuse to call me back, i opened a claim online, the website is shut down, and other links to free claims are now diminished. I more than suspect it is a " XXXX XXXX " whom I reported for Human Trafficking. he has a minor with my same exact name, making my claims and statements against me behind my back as if I am the fraud, claiming he is " confused '' and it is safer to just assume she is the plaintiff. I have been misdiagnosed as a XXXX  and have been recieving XXXX for XXXX, when originally it is XXXX, XXXX XXXX XXXX that XXXX victims and war soldiers have, considering XXXX can result in forms of XXXX, this is the case here. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX placed a collection on my account for the amount of {$8300.00} with all 3 credit reporting agencies. I placed a dispute indicating that the vehicle was turned in and sold to covver the balance. The dispute was filed on XX/XX/2018. I have yet to hear anything from any of the agencies regardsing these disputes. According to the FDCPA, and dispute/investingation listed longer than 30 days must be removed from my credit report. I am requesting that this be the case!

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 2017-06-07
Company: Community Health Investment Company, LLC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The date of the phone call was  XXXX / XXXX / 2017 . I filed victim of crime for the medical bill and I was not contacted about that being denied, The company  is Professional Account S ervices. Phone number is  XXXX .  XXXX .  XXXX . The rep did n't advise call recorded or MM, did n't verify if I was the correct person. Wanted to know how I was going to take care of the debt today. Advise rep that I was n't able to that I had filed victim of crime, Rep then advised that was denied, I had advised that I was not contacted about it bein g denied. Rep wanted to verify my information and then hung up the phone. I did n't feel I was being treated fairly or being informed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: RI
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 HAD AN UNAUTHORIZED ACCOUNT ON MY XXXX AND EQUAFAX CREDIT REPORTS AND HAVE DISPUTED THIS BEFORE DUE TO FRAUDULENT ACTIONS, IM NOT SURE WHAT THE CREDIT REPORT AGENCIES PROBLEM IS BUT I AM DISPUTING XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX XXXX REMOVED THIS FRAUDULANT ACCOUNT BUT THEY DID NOT REMOVE THE COLLECTION AGENCY THAT THE CREDITOR USED AND FORWARDED TO, I AM REQUESTING SINCE XXXX XXXX ACCOUNT WAS UNAUTHORIZED OBVIOUSLY, THAT XXXX XXXX XXXX XXXX XXXX BE REMOVED AND BLOCKED FROM MY XXXX REPORT AND EQUAFAX REMOVE AND BLOCK XXXX XXXXXXXX ACCOUNT XXXX BECAUSE THESE ACCOUNT WERE UNAUTHORIZED AND SHOULD HAVE NEVER BEEN OPEN IVE REQUESTED THIS BEFORE WITH XXXX AND XXXX, THEY NEED TO STOP THERE STALL TACTICS BECAUSE NOTHING IS GOING TO CHANGE ABOUT IT..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I began calling Nissan back in XX/XX/XXXX when I fell behind on my payments due to Covid. Unfortunately I was never able to reach a representative,. After many failed attempts, I finally sent them a certified letter on XXXX XXXX requesting direction and offered to continue making my payments. According to my credit reports, the loan now reflects a higher balance, late payment history and that the account was charged off and allegedly sold to another party. On XX/XX/XXXX Nissan responded to my letter claiming they are unable to locate my account? How is this possible when they continue to verify the disputed information with the credit bureaus. On XX/XX/XXXX I sent another certified letter to Nissan demanding resolution. Nissan has failed to respond.

I have been denied the opportunity to resolve this account which is continuing to have an adverse impact on my credit rating. I still have the vehicle and I am willing to honor my loan payments. I am respectfully requesting that your office require Nissan to respond and offer a amicable resolution which include correcting my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: EQUIFAX, INC.
State: ND
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. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, Equifax and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage provider was XXXX or the XXXX XXXX. I refinanced my loan with XXXX on XX/XX/XXXX and I XXXX obtained a payoff quote from The XXXX XXXX XXXX XXXX XXXX and paid off the total amount. 

The XXXX XXXX  transferred my loan to The Flag Star Bank and flag star bank is calling me to collect some {$5700.00} ( approx ) and they are telling me that they will put my account in the late payment and my credit will be ruined if I do not make the requested payment. 

My loan is with XXXX and I am making payments to them. 

I explained flag star bank many times about this situation. I think they do not want to understand the situation. why would I pay them?

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 2022-01-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

( AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Showing incorrect debt owed on my credit report from Amcol Systems Inc. The date claimes to be opened XXXX 2015. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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. The following XXXX credit card account ending in : XXXX is listed on my Trans Union,  XXXX and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent 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 2017-08-28
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection on my report from a collection agency ( Professional Bureau Of Collections ). Opened XX/XX/XXXX last reported XX/XX/XXXX, {$3000.00}. I was never informed of my right to dispute. Please investigate this matter and remove this collection from my credit reports. Please verify if this agency has a license to collect in Arkansas. Their address is : XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation