BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY EQUIFAX IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: CREDIGY USA CORP.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to XXXX County Court XX/XX/XXXX over this matter. XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX and XXXX, XXXX XXXX , PA XXXX, are still trying to collect a debt that is not mine. FBCS # XXXX, {$20000.00} ( XXXX XXXX ). This card and others was paid by a loan taken out XX/XX/XXXX over 15years. This loan is now paid off. 
I was sent a letter by XXXX XXXX that my personal information was hacked from their office. 
I received a letter from Secretary of Veterans Affairs dated XX/XX/XXXX my identity was stolen ( retired XXXX XXXX ). 
XX/XX/XXXX, US Department of Justice filed charges aganist defendant XXXX XXXX for tax fraud against myself and others XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: PNC Bank N.A.
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 status incorrect

Complaint:
XXXX has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that XXXX/PNC is trying to collect and I dispute its validity. XXXX/PNC Bank ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due -according to their documentation, the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and XXXX has engaged in unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/18 at XXXX a.m. Portfolio Recovery contacted me about a debt. 
They have contacted me about at : XXXX XXXX XXXX XXXX I do not know who they are looking for and have requested over and over again for them to stop contacting me and to no avail they have continued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
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: Account information incorrect

Complaint:
15 U.S. Code 1666b.Timing of payments U.S. Code Notes ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2020-12-12
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 explanation
Consumer complaint received 2019-01-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX billed me XXXX sometime in XX/XX/2018. I called them to make payment arrangements. They stated that within 2 months I could initiate payment arrangements by sending them {$500.00}. Then I could make monthly payments of XXXX. I mailed them XXXX as a XXXX payment. I called them again to make the payment arrangements. XX/XX/XXXX, I paid them XXXX. They sent me another bill and it stated that if I didn't pay the entire balance it would be sent to a collection agency. I called them again and stated that we had made payment arrangements, that I was to pay XXXX per month for a year. She said okay. In XXXX, I sent them a check for XXXX which they cashed on XX/XX/XXXX. They sent me a statement to pay the balance or they would send it to a collection agency. I called them again and stated that I didn't understand. We had made payment arrangements. I am paying them XXXX, which was the amount they decided ; why would I come up with a number like that? They said, oh ... .it 's because you did not submit a debit or credit card number. I told them I don't give out debit or credit card numbers. I told them that I had a credit score of over 800 and I would faithfully pay them the amount we agreed upon, and she said okay, and she would  make a note of it. On XX/XX/XXXX they cashed a check for XXXX. On XX/XX/XXXX, I received a letter from a collection agency. I could have borrowed the money to pay them off, if I knew they were going to send it to collections. I would prefer to stick to the original interest free payment. It was my understanding we had payment arrangements. I can not afford for them to ruin my credit. I paid them what we had agreed to, but yet they have threatened to ruin my credit score by sending my account to collections because I refused to give them my credit or debit card. This is unfair! 
I pay my bills on time! And I have paid them on time, and they should stick to the original agreement!

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 2019-08-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please note that the mentioned companies listed are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
When first contacted months ago I explained that I have no income, that I will represent myself in the court. 
I continue to receive calls. 
Phone calls continue. I declined to give personal information without knowing the identity of the person calling. 
I phone back several times only to be treated disrespectfully because of my severe hearing impairment. 
Next phone call I was placed on hold for one hour and twelve minute and finally gave up. 
I sent a letter dated XX/XX/2019 explaining the above and told them to stop phoning me and to only contact me by certified return receipt U.S. mail. 
KeyBridge XXXX XXXX XXXX XXXX XXXX, OH 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 2020-09-01
Company: LEXISNEXIS
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempted to open a savings account online with the bank I am already a current checking account holder at and was denied. Denial stated due to lexisnexis identity verification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: POPULAR BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX froze my savings account without notifying me. I only discovered it after the ACH transfer for my rent was rejected, which caused me to incur a fee from my landlord. This is a widespread problem. Several customer service representatives said that XXXX XXXX is doing this to many accounts -- not just mine. 

The Fraud Department is unreachable. XXXX XXXX will not allow us to call the Fraud Department, and the Fraud Department does not respond to emails. They give several different explanations for the account freezes, including : ( 1 ) One representative claimed that they have a policy that all new accounts are frozen in the first 60 days, even though their account opening documents say no such thing. The opening documents only say that we can not CHANGE our one linked external account in the first 60 days -- they do not say that we can not withdraw money from our savings account, nor that we can not do ACH pulls from our account. ( 2 ) Another representative said that my linking of external accounts to the XXXX XXXX Savings account was the cause for the freeze, but XXXX XXXX didn't seem to mind that I used those linked accounts to DEPOSIT tens of thousands of dollars into my XXXX XXXX Savings account. They only flagged it for fraud when I later tried to access MY money by WITHDRAWING my rent payment. 

It is INEXCUSABLE that XXXX XXXX would freeze my account WITHOUT NOTIFYING ME. XXXX XXXX has my phone number, email address, and mailing address, but they never contacted me to tell me that my account was frozen. 

XXXX XXXX has seized our money, without justification, and will not release it.

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 2019-01-20
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: Problem with personal statement of dispute

Complaint:
Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were XXXX  and Experian. Now Experian states as of XX/XX/XXXX there was no data to be reported but XXXX  stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that Experian and XXXX  did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the 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 2017-10-28
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 never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount 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 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
Called my credit card issue Capital One Bank on XXXX to ask that they give me a grace period on my credit card payment. Was told they would not move back the date or waive the fee. Have always paid this card on time, and have never received accommodations from this company ( asked 1 previous time and was denied in XX/XX/2020 ). 

Seems predatory to be refusing to give any ground to people who are out of work, especially with pandemic. They already make great money from me from 17 % interest on my debt, can't afford these additional fees. Someone should tell these bankers that there are real people being hurt by their policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
ALLY FINANCIAL, they have done this to me twice, they call 3-5 times a day after you are late 5 days, they offer you a loan extension to place the owed payment on the back of the loan if you pay right away, once you pay, you get a call usually about 10 days later, but in my case they called about 7 days later requesting back payment, I informed them of the extension payment and they tell you that you had to sign and return by mail, not fax, or email this letter, once I told her that its not been 10 days, shes says my extension request was denied ..there was never a mention of any letter, just payment

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 2019-01-20
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
InXX/XX/2017 XXXX XXXX came to our home every 2 weeks to demand money. 
Finally, we surrendered the vehicle in XX/XX/XXXX. We never were notified of sale of vehicle, or the amount they sold it for. The only notice we received was an amount they put on our credit reports. 
When we tried to obtain verification and validation of the collection amount, XXXX sold the debt to a debt collector. They violated my rights as a consumer by 1. Sending thugs to my home every 2 weeks. 2. Never notifying if any kind of the sale of the vehicle.

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 2021-08-18
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:
On XX/XX/2021 Equifax mailed me a document stating that the fraudulent inquiries were removed however instead of removing them, the duplicated the inquiries. This against the law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX, Experian and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : 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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted TransUnion, XXXX and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX 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 XXXXXXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : 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 2018-06-23
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted original creditor XXXX Hospital to request account was pulled from collections with Capio due to XXXX  XXXX at the time of medical care and did not provide HIPPA authorization to extend to 3rd party collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2020-06-27
Company: EQUIFAX, INC.
State: AR
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:
FILE SUIT AGAINST XXXX SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE XXXX  LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.

Company response to consumer: Closed with explanation