BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
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: Account status incorrect

Complaint:
Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent out priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery has placed an account on my credit report with a balance not owed on the account. I requested a copy of documents that show that I owe this amount and they have not been able to provide documents. I filed a complaint with XXXX XXXX XXXX   and they too were not able to provide me with documents showing the amount they claimed I owed. On their letter head it says I owe them hundreds of dollars but on the billing statement XXXX XXXX XXXX has provided it does not show this amount. 

I have enclosed a copy of the document XXXX XXXX sent to CFPB that says they sold the account to XXXX for a different amount then the billing statements. 

I can not see how this is lawful and is it is damaging my credit report. I have filed an investigation with the credit bureau 's and will be filing a complaint with other agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I used to hold a BankAmericard credit card from Bank of America. In mid-XX/XX/XXXX while living in working in XXXX XXXX, I had an unexpected work-related accident which caused me to be hospitalized. Ultimately, I had to leave work on FMLA and return home to XXXX XXXX I was struggling to make payments with many lenders, especially due to the very high cost of COBRA and due to ongoing procedures needed from the accident. My other creditors agreed to either defer, lower or else alter the terms of repayment ; but, Bank of America refused and didnt care. I continued paying until I no longer could. In mid-fall XX/XX/XXXX, I called and spoke with a female representative, explaining my situation. Her direct order to me was to stop paying [ my bill ]. I questioned whether this would become charged-off, why she would advocate for that, and if she would kindly escalate the call. She simply repeated herself to not pay it, and she continued refusing any escalation, despite my ongoing requests. I finally advised her that I would likely not pay, per her instructions ; and she advised that I would be okay and that the bureau reporting would be OK. However, they did report it as late/delinquent, and it was indeed charged off. I am now unable to obtain credit, such as to support myself in XXXX school, because of this and similar situations. Bank of America was hostile, vindictive, manipulative, unfaithful and simply didnt provide customer service ( would NOT escalate the call ). This charge off is unfair. They have repeatedly refused to amend my various credit reports despite repeated attempts.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-07-31
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:
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 ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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, IL, 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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter requesting that 3 public records ( bankruptcies ) be removed from my credit report. Also providing proof that the bankruptcy court did not furnish this information to the 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 non-monetary relief
Consumer complaint received 2018-05-20
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:
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : 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 XXXX XXXX I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX and XXXX Account Type : Credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. Case # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM. 

This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX XXXX, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to deploy for 90+ days. XXXX XXXX verified this with me, via phone. No calls, no letters, nada. Until a collections letter from XXXX XXXX, XXXX. 

XXXX sold the original account, to XXXX XXXX XXXX , XXXX, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt. 

XXXX XXXX XXXX , XXXX, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA. 

The latest servicer is Resurgent Capital Services, who responded to my previous CFPB complaint, that they would not contact me. 

But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing. 

As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever. 

If XXXX XXXX XXXX , XXXX. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: MI
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:
Coinbase charged my debit card with unauthorized transactions. Ive seen the same transactions previously posted on my account but they are charging me again. 
Couldnt get ahold of anyone through email or phone. 

XXXX XXXX XXXX XXXX. 
Over draft Fees : {$20.00} Coinbase Trav Fun coinbase : XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$340.00}, XX/XX/XXXX {$200.00} Coinbase Fee : {$10.00}, {$5.00}, {$1.00}, {$3.00}, {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I attempted to secure a loan with my XXXX XXXX XXXX XXXX ( XXXX ), whom I've been banking with for well over 20 years, and have secured two separate loans between XXXX - XXXX which have been completely paid off years ago. 

After submitting my loan application via the telephone, I was informed that EQUIFAX has a freeze on my credit information, so my loan was denied. Naturally by having a hard inquiry done, my current credit score dropped approximately 40 points. 
The XXXX Representative, provided me with EQUIFAX 's phone number, and suggested I contact them to find out why there was or is a freeze on my account, which I did. 

I called EQUIFAX, and found out that somehow, they had me listed with the incorrect date of birth, and my name was missing my middle initial. After a short tirade by me over how that could be, when I've already have secured two different loans, and received a credit card all within the past 10 years, that all of a sudden, my personal information appears wrong in their system, which is negatively affecting my ability to receive any future loans. 

The gentleman i spoke with, stated that he was correcting the DOB information as we spoke, and that if I wanted to have corrections made to how my name appears, that I would need to send them copies of my DMV license and social security card information. ( I'm not comfortable sending that type of information about myself whether it's by FAX, or US Postal Service ) I was given a confirmation number from EQUIFAX ( XXXX ), and was told or assured that it was done and that I should have no further issues, and that my credit report had no freeze attached to it, and that I should reapply for the loan, with better results. 

I contacted XXXX again on XX/XX/XXXX, about 5 minuets after speaking with EQUIFAX, and informed them what the problems were, and they shaoud be fixed at that time. Another loan application was done, and another hard inquiry was done, and around XXXX XXXX, XXXX XX/XX/XXXX being that I wasn't notified earlier about my loan status, I was told that there was still a freeze on my credit from EQUIFAX, so my loan was again denied.. 

Obviously, I'm not happy about any of this, and I need help in getting this rectified. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX a payment of XXXX was posted and I made a full payment to cover my account balance and I was charged 10.77 interest and they told me that I didnt pay my bill in full and I had a balance left over and I was forced to pay the interest on XX/XX/XXXX ... and I told Capitol one if I get charged interest again I will close my account and on XX/XX/XXXX I was having trouble logging in to my account and I noticed there was Capitol one 360 bank was open in my name and it was linked and I never open this account and I still cant log in to my Capitol one account to check my balances

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAINE & WEINER COMPANY, INC.
State: OH
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 was alerted by Caine & weiner collection agency located in XXXX XXXX, CA by XXXX XXXX that a debt was placed on my credit report XX/XX/2018. They never sent me a letter. When I asked for a copy of a contract that I supposedly signed. They decline to send it. Or provide proof I owe this bill for {$540.00}. I was a victim of identity This is not my bill. I want it off my credit report. All my debts I owe are paid on time. I have XXXX  for car insurance not XXXX  and they dont have no proof that I owe this cause I dont owe this bill. It was a part of a identity Theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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: Account information incorrect

Complaint:
I received a company of my credit report today XX/XX/2019 in viewing the report I found that several items previously DISPUTED and REMOVED have been added back to my report I have attached copy of the previous CFPB dispute results were Equifax noted several times to have deleted the incorrect and negative information ... .I did not receive any notice of Equifax reapplying the accounts to my file ... the accounts in question are XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX Please see attached previous communication in regards to this accounts Also credit Bureau has added previously disputed addresses back to my credit file I DO NOT and have not lived at the address and need them and as associated account REMOVED as I was previously disputed them as well Addresses in question are XXXX XXXX XXXX XXXX N.C. XXXX, XXXX XXXX  XXXX   XXXX N.C. XXXX and XXXX XXXX XXXX N.C. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2018-05-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got a new XXXX  XXXX  Card through American Express. When I signed up for the card I did so through a click-through offer from " XXXX XXXX XXXX '' website that was for XXXX XXXX  XXXX points for the first $ XXXX spend and then an additional XXXX points on the next {$1000.00} over the next six months. 

I was given a XXXX points bonus as opposed to what I should have received. 

I have since called in three times to have this investigated and resolved, but they have not come to any conclusions over the last 5 months! They keep telling me to just call back in every two weeks - which I find to be ridiculous. 

I have a print out click-through terms that were in place when I signed up, and apparently, are in place again today. Amex is claiming that I signed up during some small inferior window of time and will not investigate further or get back to me on their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened checking/savings account with overdraft protection at BB & T in XXXX. Stopped using the card around XXXX, went to re-open my account in XXXX of XXXX I was told I was denied because of me allegedly trying to overdraft my account, when I never did. I asked her if I could dispute it. She said that she had to send me a letter in the mail but it never arrived. I never tried to overdraft my account once, so my unpaid bank fees need to be dismissed.

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 2020-07-30
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2018-05-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Swan Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have spoken with a banker at swan  Financial and every time I try and get answers they make me call their cell phone. My realtor also stated if I use them I will get lower costs and they will cut certain fees using them. This is making me so uncomfortable that I do not know what to do.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation