BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: Action Collection Service
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/XXXX, I noticed presistant credit items that were not mine. I have had my identity stolen a few times ; once by a roommate I had in XX/XX/XXXX. That roommate racked up medical bills in my name, using my family information that she obtained by being a roommate with my Aunt and myself. 
Then again, my identity was stolen by a XXXX  XXXX who started giving out my personal information on XXXX, used my identity/ photos to catfis me, and gave it to his XXXX friends on the dark web from XXXX present. 
I didn't know my rights and felt powerless. 
I started reporting this activity ; whilst still getting my life on track, on XX/XX/XXXX. 
I received letter from bankruptcy attorneys and scam type calls incessantly. My friends and family have been consistently harrassed via debt collectors. 
Earlier this year, XX/XX/XXXX debt collectors found out where I live by stalking my residence and gave my information to scam- type bankruptcy lawyers. When I refused to file bankruptcy because these are not my debts ; XXXX XXXX  was the first debt collector to file suit. I was getting prepared to defend myself, as I can't afford a lawyer, when Covid19 stopped everything ( court date was for XX/XX/XXXX ). 

On XX/XX/XXXX, the credit agency Action Collections sent me a letter that they were going to pursue charges. I attempted to reach out via letter a few times to tell them to stop, that this isn't my debt and to  please stop- I can't afford food, I'm XXXX not XXXX  ( as the medical bills indicate " XXXX  '' ) and these medical bills are from malicious people stealing my identity. They did not listen. I am writing this report and sending them a third letter to please free me from this. 
Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference Case number : XXXX. 
Please note that I didn't have the collections letter when I opened the above case number so I'm resubmitting a new complaint to show you proof of being covered 100 % with XXXX XXXX. Below is the initial complaint... 

XXXX XXXX XXXX University XXXX XXXX department keeps harrassing me with a bill covered by CHARITY CARE 100 % after my XXXX KICKS ON. THIS HAS BEEN GOING ON FOR 2 years now for every medical AS THE BELOW EXAMPLE : AND IT'S EXHAUSTING DEALING WITH BILLING VIA CALLS & EMAILS. THEY ARE RUINING MY CREDIT, 2 Billing for XXXX XXXX XXXX and XXXX XXXX for XXXX # XXXX XXXX XXXX XXXX XXXX Some of your balance is in collections. Information You have accounts in collection. Please contact customer service to find out how to make payment arrangements. Overview Balances Amount Due {$28.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove 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 2023-04-14
Company: Experian Information Solutions Inc.
State: NY
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:
This information has been disputed before. Please see screenshots. However, all these items are reporting inaccurately.

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 2022-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo bank authorized charges to my debit card that was stolen, amount was around ) XXXX dollars total on about 8 transactions plus overdraft fees I disputed charges and the bank decided claim was denied so I want to file a Appeal and that was also denied and was told they are not appealing charges and that is a final decision but could not provide me with a specific reason as to why this claim was denied other than my spending habits and resent transactions that how they made there descision

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 2022-02-08
Company: Experian Information Solutions 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2023-07-25
Company: Experian Information Solutions 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2020-09-19
Company: Experian Information Solutions Inc.
State: MA
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:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. Thank you in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: MA
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:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: PA
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: Problem getting your free annual credit report

Complaint:
I tried to pull my free credit report from XXXX XXXX XXXX for Experian and got the following error : A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.

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 2023-07-26
Company: Experian Information Solutions Inc.
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:
15 U.S.C. 1692c - ( Communication ) in connection with debt collection Communication - Cease remove accounts from credit reporting any form of communication.

15 U.S.C. 1692G - Never Received any physical information of Validation of Debt - Requested Original Purchase Agreement - Provide a Proff of claim Never Recieved - Requested All methods of verification I feel Im being violated of my Rights with the accounts listed below # 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 2023-07-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account has been paid in full since XXXX 2015. The company has yet to update the status and balance. It also lists late payments when in fact I was on time since XXXX 2015. I would like this account deleted if not then corrected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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:
My identity has been compromised and it has caused serious damage to my livelihood and credit file. It is unknown if this disaster was from the direct lost of my wallet or from the Equifax breach. Either or now I'm dealing with these unknown and unauthorized accounts inwhich I'm demanding to be removed and blocked from my credit file. 

1 ) XXXX  / XXXX 2 ) XXXX XXXX {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for XXXX with good credit, salary and debt to income and got denied for credit history and new accounts open. All new credit cards are 6 months or older with close to XXXX balance. Credit history is very good. Recently got a XXXX but wanted to borrow slightly more including existing XXXX. Bank valued my home at XXXX and I owe XXXX so plenty of equity in property only asking for XXXX. Tried speaking with supervisor at bank XXXX XXXX XXXX but he wasn't any help just felt like i was getting passed over for no reason. Don't feel like I'm getting treated fairly with a credit score of over XXXX and salary over XXXX per year with minimal debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: DE
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 disputed items and an investigation ( 15USC 1681a ( e ) ) was not done. I called and was told their investigation was send over my dispute to the same company ( entity/corporation ) that committed and or allowed the identity theft, and Fraud to send over the same fraudulent documents and say it was verified ( 15USC 1681q ( 3 ) ). I do not own the debt and or did not make the transaction or consent or give authorization to a contract. 15USC 1681c ( 2 ) 15USC1681a ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the closing of my home loan, theres has been an escrow account in which property taxes and Home insurance were paid paid out of. My payments are 100 % paid on time. 
In XX/XX/XXXX, I received a letter from the citys department of finance stating that a tax lien would be sold in XX/XX/XXXX, if the amount of XXXX was not paid by XX/XX/XXXX. For several weeks I reached out to The mortgage bank to resolve this matter, and was given the run around. Finally, in the end of XX/XX/XXXX, I was advised by the bank that the a check was mailed to the city resolving the matter. However, the bank used the funds in my current escrow account to pay property taxes that they did not pay in XX/XX/XXXX, which was an error on their part. My escrow account is renewed every year, which means that capital one made an error, by not making he quarterly tax payment in XX/XX/XXXX, and used the funds in my escrow account so that I essentially paid twice for the same quarter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Personal information incorrect

Complaint:
All names should be removed from my profile besides my given name.

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 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2017-12-18
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX I have a judgement against me for XXXX I went to court and agreed to pay this amount because I was bullied by the roommate and feared retaliation if I did n't pay. I sent in the fact sheet to Judge XXXX XXXX in XXXX co in XXXX XXXX. On XX/XX/XXXX I checked my balance because I sent a rent check for XXXX. On XX/XX/XXXX I had XXXX. The next day I checked my account and I had a XXXX minus account in my account I had a direct deposit for my paycheck that went in on XX/XX/XXXX for XXXX. I also had 2 deductions from suntrust for administration fee for processing the garnishment. That is all the money I have, I need my medication I have the following diagnosis : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. I was going to have my medication filled on XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX. My rent bounced, I owe for electric, water and internet. I work at XXXX as my husband is in the XXXX XXXX XXXX XXXX in XXXX. Please help me, I have no money to live.

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 2017-05-02
Company: Experian Information Solutions Inc.
State: NY
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:
Non-Response from Documents supplied

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 2018-09-05
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank 's stated policy is as follows " For personal checking accounts and money market accounts with check access : When possible, transactions are processed in order of date and time, most closely reflecting the order in which you transacted. 
They appear in your Account History in the same order that they occurred, beginning with the most recent. 
These transactions then impact your Today 's Beginning Balance in the morning, when overnight processing completes. '' TD bank however does NOT follow this stated policy when it comes to direct deposits for payroll. Typically, employers release payroll direct deposits to the respective banks at least 2 days prior to the actual payday. If TD Bank is following their above stated policy, then they should process those direct deposits in order on the date and time they are actually received. TD Bank does not do this .... They HOLD those deposits for as long as 2 days until the actual payday. This is in direct contradiction to their stated policy of processing in order on the date and time received, and only serves to enrich TD Bank with additional overdraft fees when other transactions are processed ahead of the direct deposit that they are holding, even though they in fact have received the funds. 

This is harmful to consumers.

Company response to consumer: Closed with monetary relief