BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
According to XXXX, a credit card I don't even remember applying for, my application was denied by Experian for the following reasons : " You have filed for bankruptcy and your previous account ( s ) with us was including in that filing. This includes any of your accounts issued by XXXX, XXXX, such as XXXX, XXXX, store cards, or gas cards. '' * I never had credit account ( s ) to me recollection with any of the above-referenced vendors. Although I did file for bankruptcy on or about XX/XX/1999, that bankruptcy was long discharged and should have no bearing on current credit applications. 

*According the Experian Dispute Center there are, at least two,  completely misspelled aliases to my name that have nothing to do with my account, are not aliases I or anyone with my authorization have ever used in the past in any financial transaction, and are so off from the correct spelling of my name that common sense can easily see the difference. However, the Experian online dispute center does not allow my to dispute these obviously false aliases. 

*The Experian dispute center shows several hard inquiries, including a XXXX XXXX in XXXX XXXX I have never visited, never contacted, or ever done business with, and no credit inquiry was approved by me. The same is true for an auto loan from XXXX XXXX with whom my wife had a previous auto loan with which was a very negative experience. They are the last lender I would ever authorize to do a hard credit check on my account. 

The result of Experian 's false, misleading, outdated, and completely erroneous credit history provided to potential creditors is defamatory, and injurious to my efforts to establish legitimate accounts with potential creditors and actively preventing me from improving my overall standing with those I do have. Furthermore, the limited access they provide to consumers make it nearly impossible to dispute or get this erroneous information corrected. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: ALLY FINANCIAL INC.
State: IL
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:
OnXX/XX/XXXX I sent a goodwill letter and an extra car payment to Ally Financial for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made Ally Financial aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears.

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX   and XXXX.

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX Ally Financial would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still Ally Financial and the Credit Bureaus have not removed said late payments or remarks but did cash my check.

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 2018-03-09
Company: EQUIFAX, INC.
State: ID
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:
XXXX XXXX XXXX has falsely reported to all credit bureaus that a HELOC that I had with them was foreclosed upon in XXXX. This loan was never foreclosed upon and I paid it off in full in XXXX of XXXX. I have the payoff confirmation letter from them. 

This has caused severe and irreparable financial and emotional damage. I can not even get a home loan because of this egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to them on XX/XX/18 about incorrectly reported information via certified mail the information was received on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Commonwealth Financial Systems, 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:
Commonwealth financial systems, called me about a debt for {$780.00} from a hospital visit in XX/XX/XXXX, I had and currently have insurance from my employer whom I've been working for, for 6 years ( XX/XX/XXXX ) the insurance should have covered my hospital bills, and no disclosure on how/why I was charged and not notified way back then about this debt ... this is showing up on my XXXX and XXXX credit report, and I also have noticed on my report that a couple of the months on the payment history show as " C '' " current '' and the rest as " ND '' or " no data '' ... is this a form of re aging? Please contact me with an update whenever possible ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: TENET HEALTHCARE CORPORATION
State: OR
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:
Date of service was XXXX Billed on XXXX XXXX, XXXX Called XXXX, XXXX XXXX XXXX  and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to XXXX because the original credit reporting agency is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show XXXX the account as paid but they say they no longer have an account with me. XXXX has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to XXXX as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from XXXX they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXXl, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX. XXXX and Experian is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

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 2019-02-03
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was evicted from my home. Im now receiving debt collections for a utility bill. This Utility debt is for XXXX XXXX XXXX. 
The debit collector shows as XXXX XXXX XXXX for {$250.00} which is incorrect because they are saying they show I moved in XX/XX/XXXX. I try reaching out to them over 3x for this to be correct and it hasn't. The Open date shows as XX/XX/XXXX on my credit reports but again I moved XX/XX/XXXX. Below I also attached a screenshot between me and housing company clearly stating that I left XX/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 explanation
Consumer complaint received 2018-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This started XX/XX/XXXX whereas my cell phone started receiving repeated automated calls throughout the day with different recordings such as " please call Khols department store at .... '' The calls are coming from 3 to 4 different numbers ; XXXX, XXXX, XXXX. I have called the numbers back, but unable to reach a live person. They ask that I leave a message, but then the line disconnects. I did call the number left on some of the messages, XXXX, and advised them of receiving calls and that I do not have a Khols credit card, nor have I had one in the past. I asked that they remove my number from their system. All my accounts/credit cards are current and I also do not see any suspicious activity on my credit report. I was advised from this company that they too do not show me as having any account with them. I was unable to gain a name of their company and any affiliation with Khols department stores. I have blocked those numbers thru my cell phone company. However today I did receive another call from XXXX. Also important to note that my cell phone is used for business and has been listed on the nation do not call registry since XXXX. This is becoming an issue of harassment at the least. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
In XXXX, South Carolina on credit card XXXX Capital One Platinum MasterCard Security card for {$200.00}, while in Identity Theft my {$200.00} limit was allowed to purchase {$420.00} of services and I closed my account in or around XX/XX/XXXX. Without my permission they used my {$200.00} security deposit to apply towards my balance rather than return my security deposit to me. They have repeatedly up to date as currently as XX/XX/XXXX refused to remove any late payments that were under dispute and just keep sending letters or phone calls to delay the process They have also refused to send any receipts toward the charges applied to my account, but only will allow me to order statement copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I was alerted to fake accounts with Bank of America. I have atempted contact however no one would rrespond. I have been the victim of multple fake accounts. This has affected my XXXX career, access to funds, and personal Identity being stolen

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 2019-02-03
Company: Waypoint Resource Group, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, I was notified by XXXX that something from Waypoint Resource Group was posted to my credit report. Upon review, I didn't recognize the amount of {$130.00} or that company. After some research, I learned it was originally from XXXX XXXX, a local phone/internet company in XXXX XXXX, NV. I did have an account with them but have closed it over 2 years ago, returned all the equipment and paid my balance. Waypoint Resource Group has since posted the collection 2 more times to my account, each time I was only alerted by XXXX, never was I contacted by this company or XXXX. XXXX on XX/XX/XXXX, then again on XX/XX/XXXX and again XX/XX/XXXX. I've attached a payment receipt for the closing of the account which shows the payment confirmation in the amount of {$130.00}, I can only assume this is the same account since I only had 1 with XXXX and as I stated, it's been closed for some time. Waypoint is fraudulently reporting this same closed debt over and over again in an obvious effort to pressure me into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
My two accounts with Bank of America were suddenly closed without any notification

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 2018-02-02
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
my student loans were originally thru XXXX XXXX they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, navient, and federal student loan website. XXXX XXXX says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to XXXX XXXX, which they didn't accept for proof of pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: CORELOGIC INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a mortgage loan through XXXX XXXX and have had my credit ran without my consent by Credco twice ( XX/XX/2018, and XX/XX/2018 ). Both hard inquires have shown up on my credit report and the company phone number does not match even though it's located in the same city. The hard inquiry company information is : 1 ) Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) Credco XXXX XXXX, CA 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 my letter off on XX/XX/2022. I told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong

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 2017-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
In XXXX of XXXX we called our mortgage company ( Bank of America ) and asked if we could refinance at a lower rate with some additional funds to help us get through this difficult time ( unemployment ). It was then that we were offered a Home Equity Interest only Line of Credit. At the time the real estate market was booming and they offered us a huge loan. we were told we would qualify for the HARP program just take the line of credit, in addition to that, we were working with a representative never actually getting a modification payment. We were offered a payment that was higher in fact, so high we couldnt make the payment. This continued with XXXX XXXX a new representative because the other one was laid off. XXXX stated if I show good faith by making 3 payments they would continue to work with us and find a way to consolidate both loans. I asked XXXX XXXX If they could apply a percentage of debt forgiveness to make both loans affordable. Instead my 1st mortgage loan was sold to XXXX leaving me no other option but to pay both loans individually. Unfortunately for me I was not knowledgeable enough to get it in writing her promises before making those payments. 
The two loans would have totaled XXXX a month totally unable to make that payment while on XXXX. 
I have since called them imploring them to please work with me even as recently as XXXX/XXXX/XXXX. My original mortgage was with boa and they sold the loan to XXXX as soon as i made 3 very high payments to them deceiving me by not combining the two loans making them affordable to us. They lied so many time to me and worst part is they never gave me a modification. They never explained to us the fact that the mortgage was a priority not the line of credit. I never would have fell behind if i was n't paying the interest on the line of credit. I did n't understand my allegiance belonged with my mortgage. THEY ARE THE ONES WHO TOLD US WE WOULD NOT BE ELIGIBLE FOR ANYTHING BECAUSE WE WERE NOT LATE WITH ANY PAYMENTS!

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 2019-02-03
Company: WELLS FARGO & COMPANY
State: TX
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:
I was a victim of identity theft in XX/XX/2014. Wells Fargo sent me a letter saying that they stopped the transactions on my Wells Fargo Credit Card and credited my account. Well, I had it set up where my credit card would automatically draft from my checking account and pay the balance in full when the bill was due, so it took {$920.00} from my checking account. I called multiple times to get this issue resolved and even had a personal banker work on my case, but Wells Fargo customer service kept transferring us around and never letting this issue go any furthur to being solved. It has been 5 years and they still have not solved this issue and it has been written as a charge off on my credit report and still reporting to this day.

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 2019-02-03
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First of all, I started receiving collection letter addressing to XXXX XXXX that I had no clue of what they were about because I am XXXX XXXX. And then, on XX/XX/XXXX I noticed a collection on my credit report for the amount of {$1400.00}, account # XXXX, which was opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX. I disputed the case with my credit bureau ( XXXX, XXXX, XXXX  ), and then I sent a letter on XX/XX/XXXX to the company. Unfortunately, I notice later that this collection remains in my credit XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A account from XXXX XXXX  XXXX credit on TransUnion for {$1000.00} was deleted and replaced back onto my report

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 2018-03-12
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a lot of unauthorized inquiries on my credit report and I disputed them to all 3 credit bureaus and they havent done one thing but took XXXX points off my credit scores XXXX they need to be handled for this and didnt enclosed why my scores were dropped thanks XXXX XXXX XXXX I am trying to buy a home and theyre te check my credit scores before I sign the loan and my credit scores need to be fixed back before this transaction happens again please help me before this transaction go back through

Company response to consumer: Closed with explanation