BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 I received an alert from the credit bureau advising me that a collection had been placed with my account with IC Systems. I immediately found the name of the medical group that sent IC Systems the account and made the payment directly with them. The payment was made with XXXX XXXX XXXX on XX/XX/2020 in the amount of {$120.00} 9 ( confirmation # XXXX ). I called IC Systems on XX/XX/2020 and asked them to remove the collection off of my report because the account was not settled with them. It was settled directly with the XXXX XXXX so they didn't need to be reporting a collection anymore. I provided them with all of the information ( date payment was made, the amount, and confirmation number ). I called them again on XX/XX/2020 to see if this had been resolved and they stated that it still remained and was waiting on XXXX. I called XXXX and advised them that the collection company was still reporting a debt and that they needed to contact them to remove it. They advised they would send the needed information to IC to have them pull the account from the credit bureau. Yesterday XX/XX/2020, I received an alert stating that IC System not only hasn't removed their account on my credit report but they updated the payment status to paid/improved. So they made an update with the credit bureau but did not REMOVE the account. I did NOT pay them I pay the medical group directly and owed no balance with IC. XXXX  removed from credit report on XX/XX/2020 when I showed proof of payment directly with the medical group and they removed the very same day. XXXX  will NOT remove this from my credit report even with proof. This is shady as XXXX and I'm really irritated. It's affecting my credit score and need to be REMOVED.

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 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX charges of {$380.00} were claimed as fraudulent charges. 
Received letter from Bank of America that fraudulent claim on account ending XXXX had been resolved and would be removed from my account. Previous account of XXXX Mastercard ending in XXXX was also involved but had been cancelled and closed. I also requested account ending in XXXX be closed and card cancelled. Subsequently I received a new card with account ending in XXXX. I never activated nor used this card but my statement arrived under the XXXX account with the fraudulent charges still on it. I attempted to rectify this by phone but was instructed by Bank  America employee to phone the vendor and tell them to stop billing me. This was absurd because I have no idea who the vendor was nor had any contact with them. Recently received my XX/XX/20 statement with the fraudulent amount on it plus late fees and interest fees on the fraudulent charges. Please assist in having these charges and the inaccurate reporting of the same on all three credit reports rescinded.

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 2020-04-30
Company: EQUIFAX, INC.
State: NJ
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:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Mercedes Benz Financial Services
State: NV
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:
Sir/Madam, I wish to dispute a late fee that was passed on to the Reporting Bureau. This is in reference to Mercedes Acct # XXXX. Vehicle - XXXX Mercedes Benz XXXX convertible. The late fees were for XXXX and XXXX of XXXX. We are also asking to vacate the 30 day+ overdue on this Acct. The Covid-19 virus has disrupted my life and I'm trying to get back on track. Please contact Mercedes Benz Finance at XXXX continue the dispute process. 
Respectifully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: NC
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 have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XXXX changed the dates the accounts were first reported, while XXXX  and Transunion updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: VA
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:
Bankruptcy showing on credit report that does not belong to me. This was reported several times to Equifax and XXXX, XXXX This account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have 3 inquiries that I command to be removed from my credit report with TransUnion. TransUnions policy doesn't supersede federal law. They are reporting information on my report that is inaccurate and the result of identity theft. 
15 USC 1681C-2 ( A )

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 2019-06-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not the owner of XXXX XXXX   XXXX ( ORIG CREDITOR : 11 XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX XXXX ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to XXXX, XXXX, and Experian 30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2019-09-03
Company: Experian Information Solutions Inc.
State: PA
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 have reached out to XXXX  at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. XXXX  and Experian are still reporting fraud 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 non-monetary relief
Consumer complaint received 2018-09-08
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
i am having a problem with getting discover card unsecured i have had it secured since XX/XX/XXXX and they said would start reviewing my account automatically the XXXX of every month since XX/XX/XXXX i have paid all my bills on time every month with discover and all my bills on time every time i call them they tell me same automatic review thing. i put down a XXXX deposit and want to be unsecured on this card. they were very rude and unprofessional to me for asking and i didnt appreciate it discover talked to me like i was stupid for asking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to XXXX, Equifax, and XXXX  30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a Bloomingdale 's credit customer for 10 years and have paid my bills IN FULL for ten years every month. Same with Macy 's ( even longer ). Bloomingdale 's de-enrolled me from online bill pay without my authorization on XX/XX/2021 causing the payment that I set up for {$130.00} on the same day to not go through. Then they somehow re-enrolled me BACK into online bill pay ( again without me doing anything on my end ) but not before using the " missed '' payment ( their mistake ) as an excuse to reduce my credit limit from {$1500.00} to {$200.00}. The payment that I schedule on XX/XX/2021 to clear on XX/XX/2021 was never processed due to their error. The subsequent payment that I made for {$160.00} on XX/XX/2021 went through ( even though they CLAIM that I de-enrolled from online bill pay on XX/XX/2021 ). My linked bank account still show on their account page and I still show as enrolled in online bill pay. Either my account was hacked or more likely, Bloomingdale 's had a glitch that they will not admit to. This is affecting my credit AND my ability to do business with the store. I have spent at least 5 hours over two days trying to straighten this out. If I didn't care about my account I would not be exerting such effort but I was wronged and this needs to be corrected and my credit limit needs to be reinstated.

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 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2019 I received a letter saying I was being sued for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Nelnet, Inc.
State: CO
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:
On XX/XX/2020 I was notified thru credit cards that my credit score had dropped roughly 240 points. I proud myself on my credit rating. It was identified that I was reported by Nelnet student loans that the reported me being 90 days late on payments. I was current and called Nelnet the following day. The customer service rep said I have been notified as current every month and that I would need to report this to every individual credit agency. I have a late payment on my mortgage which I disagree with but I will except. I have had a credit score over 740 for as long as I remember and want this taken care of. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: NE
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:
Good day, I'm appealing for help to understand how it is possible that Credit Bureaus can report inaccurate information on Consumer Credit Reports. 
A Bankruptcy is reported in my XXXX Credit report and my Experian Credit Report, and how is not reported in XXXX Credit Report? That mean Credit Bureaus report whatever they want, is not matter if is accurate or not. Also Bankruptcy Court don't share information with Credit Bureaus, having said that they should get the information from the same Furnisher.

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 2019-06-24
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: Information belongs to someone else

Complaint:
I am not the owner of XXXX XXXX   COMPANY ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX  COMPANY ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2020-04-30
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), Discover ( {$720.00} ), XXXX  XXXX ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. 

On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. 

Please visit XXXX for all paperwork and full documentation regarding this matter. 

On XX/XX/XXXX I sent a letter to XXXX XXXX in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from XXXX XXXX stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her XXXX XXXX card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. 

On XX/XX/XXXX I sent a letter to Discover in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from Discover stating that my dispute was against my favor and considered this charge to be valid. 

Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of XXXX XXXX and Discover. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. 

As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. 

Thank you for your urgent help with matter

Company response to consumer: Closed with monetary relief