BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The first paragraphs detail the incident. The last few detail the damages caused by Capital One. 

On XX/XX/2020, I was making several orders on walmart.com for grocery pickup. Walmart allows you to modify your order until XXXX XXXX  on the day of delivery. When I tried to add a few items late on XX/XX/2020. My account was restricted and I could not complete the transaction. 

I called CapitalOne 's customer service and the representatives CLAIMED that he removed the restriction. I waited a few minutes to make the transaction to update my grocery selection ; however, my card was still restricted although the representative said that he removed the restriction. 

I called CapitalOne on XX/XX/2020 to remove the restriction. They stated that they can only remove the restriction if I put in extra effort liking writing a letter and providing my drivers license number and then I have to wait 7 to 10 business days. 

This is an unfair business practice. They can restrict my account within seconds, but it takes 7 to 10 business days to remove the restriction. 

I also have damages. In addition, I usually get 5 % cash back when I use the walmart card. To complete the transaction, I had to use another credit card. CapitalOne should reimburse me for the lost 5 % cash back for that transaction and future transaction at walmart.com due to there unjust restriction, a restriction that should have been removed especially since they said it was removed and I verified my identity. 

Another damages are that I had to lose time from work and suffer emotional distress. I should be compensated for my time in some fashion. Please choose an appropriate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MI
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 any XXXX Accounts that have bad standings and reports, 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: MiraMed Revenue Group LLC
State: IN
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:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving phone calls from HRRG on XX/XX/2020 and continue to receive calls on a weekly basis and sometime multiple times a week. An automated computer leaves a message to please call them. " These calls are an attempt to collect a debt. '' When I speak to them, they do not have my name or number in their system and do not know why I am getting the calls. As these calls continued, I called and asked to speak with a supervisor. Not surprisingly I was hung up on. The last time I spoke to the company on XX/XX/2020, I spoke with XXXX who identified himself as a supervisor. After I explained my situation with XXXX, he asked all the same questions of my name and number and assured me I was not in their system. He placed me on hold several times and returned to assure me he was working on getting to the bottom of what was going on. He then returned to the call to tell me everything should be taken care of. The calls continue to this day. 
To be clear I have no outstanding debt and owe this company nothing. They can not explain why they continue to call me. Whether this is a " computer glitch '' or not, they need to make it stop.

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 2020-07-20
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We entered into the affordable cares act by calling our Freedom mortgage and after just one month our balance has been increased {$2200.00} I was told it was for interest and that the loan would be charged interest every month and added in for every month missed during the cares act forbearance plan. 
I asked the lender where on the forms they sent that this was stated and he couldn't find it. I also stated that the cares act states that no interest would be charged on late payments. 
According to Freedom mortgage not only will the interest be added but once I start making my payments I will still have to repay the full amount that I forbear 'd. 
So that means interest will be charged on the cares act twice. 

This will and is already effecting my credit score due to the balance increasing monthly. 

My loan # XXXX with Freedom Mortgage 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 2023-05-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Amex closed all my credit cards and business checking account today without notice. I have a credit balance on my credit card. I have membership reward points worth {$2000.00} that are gone due to the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a Loan from PNC bank and payments and account was set up by PNC banker.It has been more than 2 years that bank has not issued me any statement. No access to past statements and online account has been locked in such a way that I can not see my statements. Payments have been set up through another account from PNC which was set up by banker itself. 
No changes can be seen or modified. Although payments were set up as automatic deduction and my loan amount instead of going down, its going up. I have requested customer service contacted them more than 5 times to ask the same details and each time I ended up spending minimum XXXX + hours without any conclusion. 
No statements have been issued and no support had any success to access my account. I suspect, bank is manipulating loan amount by keep me out of approach to the crucial information which they should have disclosed to me from the beginning. 
I have even tried going to the local branch and yet they were not able to access completely and they have suggested me to contact phone customer service. 
My accountant requires all those statements for tax purpose and I have a feeling that PNC bank is manipulating financial data by keeping me off the records. 
I need help as I can't get help from the bank and it is my right to see all my records of all my payments and their adjustments. Bank is taking a full control of my loan and associated documents. 
Please help me to get PNC bank on track so that I can see what I have been paying for, for past XXXX years and how are the funds applied to the loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Every time I apply for a low to fair credit score credit card, I get denied. The last card that I applied to, they said that there was suspicion of some sort of fraud. Would you be able to look into that please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Account numbers XXXX, XXXX, XXXX, and XXXX and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Toyota Motor Credit has updated an old loan account as Charged-Off in the amount of {$14000.00} when this account was included and Discharged in Bankruptcy. I disputed this on XXXX, and it was verified by Toyota, and they will not update it accordingly. Marking my account as charged-off is a violation of the Bankruptcy Proceeding. I filed for bankruptcy on XX/XX/XXXX and was discharged XX/XX/XXXX when Toyota took it out of Included in Bankruptcy and marked it Charged-Off. Attached are reporting before bankruptcy and now the most recent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was provided a Bank of America Debit Card " Cash Pays '' for my Short Term XXXX in XX/XX/2020. I was XXXX  and out of work from XX/XX/XXXX through XX/XX/2020. During this period I was able to withdraw {$1500.00} but have since been unable to withdraw any of the remaining $ XXXX.I have tried several Bank of America ATM 's and even spoke with a Bank of America representative with no success. I was told to contact the government agency? My card ends in XXXX XXXX. My social security number ends in XXXX. My address is XXXX XXXX XXXX XXXX NJ XXXX. Can you please assist in solving the problem. Thank you.

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 2021-11-28
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: Public record information inaccurate

Complaint:
XX/XX/2015 Is The date the three credit reporting bureaus are falsely reporting a chapter XXXX bankruptcy on my report. I have had fraud with my identity stolen in the past. I have called XXXX and they have verified no such bankruptcy was filed in my name. I have tried and submitted evidence to all 3 bureaus and have been informed by the bankruptcy court that they do not verify information for the 3 credit bureaus so therefore that is false information they are saying had been verified. Thank so much for any help. 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 2018-02-28
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''.  However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: NV
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 legally changed my name in XX/XX/2021. I can't get Equifax to update my credit report with my new name. I have submitted the requested documents 4 times ( both via mail and by uploading on the dispute page ) but they are still saying they haven't received the court order. It was mailed with my driver 's license and social security card so it's not possible that they got those but not the court order. I don't want to keep mailing these documents because at this point I have no idea who has them and it would be very easy to commit identity fraud. The XXXX and XXXX have updated this and I just want Equifax to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
Ive identified information and accounts on my personal credit as a result of identity theft. these accounts and transaction were not made by 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 2023-05-29
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4800.00}

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 2020-07-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX   They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX  XXXX My phone number is 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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 3 separate occasions I asked XXXX, Trans Union, and XXXX to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe XXXX water bills. That is not possible as it was built into the rent. I Have proof from YES MANAGEMENT who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX/2020.

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