BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX, XXXX I used my rights to ask equifax to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter I requested so I am sending a second letter requesting the same information, on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over the last few years I have received countless calls ( 100? frequency has been increasing this year ) to collect debt from " XXXX XXXX. '' I am not XXXX XXXX. The only XXXX XXXX I know was from high school in the XXXX. 

I learned last week that XXXX XXXX 's debt is associated, at least in part, with medical service or equipment. I learned this by calling the number XXXX and found out it is XXXX XXXX. I was informed my phone number would be removed from XXXX XXXX 's record. The next day Transworld called again and when I complained, told me it could take 24 hours for the database to catch up. Well, this morning I got another call for XXXX XXXX from a company that would not identify itself. 

I found out debt collectors do not have to honor a do-not-call registry. [ insert swearing here ]. So I'm filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: SYNCHRONY FINANCIAL
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 have sent SYNCB/CARE CR and XXXX both multiple letters of verification. I've requested both SYNCB/CARE CR and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to  report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I the consumer the natural person, have contacted Experian twice about this issue on XX/XX/XXXX and XX/XX/XXXX about reporting inaccurate information on my consumer report. I have disputed certain accounts on my consumer report and they came back verified. This consumer reporting agency never ask for my verification before they let these debt collectors furnish my report. They havent disclosed their method of investigation to come to the conclusion to verify alleged debt information Pursuant to 15 USC 1681b ( a ) ( 2 ) I notified in writing ; receipt with instructions. My rights have been violated by Experian. They disregard my instructions and proceeded to break the law. I did not have a direct written agreement with Experian to publicly display my information on my behalf. This vital role has cause me harm, they have ruin my reputation and violated my privacy by sharing my information which is consider identify theft. 15 USC 1681a ( q ) ( 4 ) also Pursuant to 15 USC 1681a ( d ) ( 2 ) ( i ) I disclosed with Experian it is unlawful to share my transactions and experiences. They continued to break the law.

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 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX I noticed my bank of america checking account had a balance of XXXX and immediately called the bank. The rep alleged there had been irregularities on the account that needed to be investigated and so the account had been frozen. They did not provide any details about the said irregularities and would n't indicate when the investigations would begin or end, so I had no idea when I would be able to access my funds. 

I went into a local bank to see if I could get any more information and a bank staff theorized it may have been an issue with a check deposit someone made in my account a few weeks back, but he could n't say for sure. Around XXXX, I get a letter in the mail that my credit card account with bank of america had been closed, and I needed to pay off any balance, which I did immediately. Again, I called the bank to find out what was going on with my checking account and now my credit card and got no explanation. 

Today, XXXX, I get 2 letters in the mail from bank of america. One containing a check for my balance prior to the account freeze and the other a letter stating my account had been closed following a 'careful review of my account '. There was no rationale provided, instead, a threat stating the bank may report the account to chexsystems or early warning services, which may affect my ability to open another for 5 years. 

Both my checking and credit card accounts have been in good standing since I opened them with the bank. I have neither missed a credit card payment, nor, to be best of my knowledge, have I been overdrawn or delinquent with my checking account. While I understand the bank has a right to close their account the same way I do, they held my money hostage for over a month and eventually closed my account with no explanations. They did not even have the decency to apologize for any inconvenience caused by denying me access to my funds for over a month. Instead, they chose to threaten to adversely affect my life for the next 5 years, without ever explaining the rationale. 

I also understand the bank my not be required to provide a reason for closing my account, but I need to understand how I can be sure they are treating me fairly, and not targeting me for some reason.

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 2021-04-16
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: Account information incorrect

Complaint:
XXXX XXXX has marked that I was over 30 days delinquent on payment for both XXXX and XXXX of 2020. This is not the case and both months were paid on time, or early. This has caused a precipitous credit score drop. After getting in touch with them, they corrected this problem, and my credit score reflected that. However, the next month the late payment for XXXX showed up again. Ive reached out to them multiple times, filed disputes, and the delinquency still shows on my credit report. They said that they have fixed the issue and it should be updated, but its not. They continually say theyre not sure why its reported late, or that theyve fixed the issue, or they will send it to their supervisor, but nothing changes.

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 2019-06-26
Company: CCS Financial Services, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I received a alert on my XXXX  Credit Report from Credit Collection Service. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern

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 2021-10-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I paid {$830.00} to someone for an item ( pc part, motherboard, Transaction ID : XXXX ). I never received the item and seller stopped responding to me on Discord. I've never received tracking information that shows it was delivered. Therefore, I would like money back for this. If I don't receive money back, I will file a complaint with state attorney general and federal trade commission to pursue this further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.

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 2021-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had an credit card with XXXX XXXX with a {$500.00} credit limit. We were not using it and closed the account with a {$0.00} balance to avoid further fees in XXXX. XXXX XXXX stopped communicating with us after we closed the account. In XX/XX/XXXXPortfolio Recovery put an item on our credit report claiming that we owe {$1200.00} on the closed XXXX XXXX card. They claim that the account was not closed and that XXXX XXXX increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX  & XXXX  to avail. Portfolio Recovery claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that XXXX XXXX secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation Portfolio Recovery has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original creditor, XXXX XXXX XXXX XXXX is paid in full, Credit Control Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, is fraudulently stating an in-accurate amount owed, and account status.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: UT
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:
Hi i am trying to get these account listed below off my credit due to being open fraudulently which i have never open these accounts. and also disputing a bankruptcy thats not mine public record is XXXX XXXX bankruptcy 1. XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX ( 2 ) accounts 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. CXXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9 XXXX XXXX XXXXt ( 4 )  accounts 10. XXXX XXXX XXXX 11.XXXXt XXXX XXXX ( 2 ) accounts 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14.  XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXXXXXX XXXX 16. XXXX XXXXXXXX XXXX 17. XXXXXXXX XXXX 18. 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 non-monetary relief
Consumer complaint received 2017-12-28
Company: Commonwealth Financial Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from Commonwealth Financial about a Medical Bill. I disputed it in XXXX & they sent a Itemized Bill. That is a Direct HIPPA Violation because it does not bare my Signature. I have sent them my Insurance Card & Policy with XXXX XXXX XXXX XXXX XXXX XXXX, as well as XXXX XXXX being I had Health Insurance with my Employer XXXX XXXX at the time. Be mindful I spoke with XXXX with CWF on XXXX/XXXX/XXXX who stated the Account was Closed & it would be deleted within 30 Days & is now going into 60 Days. Please resolve this issue my next step is to file a Lawsuit. I am keeping track of when you receive this & who I spoke to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

1. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$80.00} 4. XXXX XXXX XXXX XXXXXXXX XXXX. 
Account Number : XXXX Bal : {$690.00} 5. XXXX XXXX XXXX Account Number : XXXX Bal : {$490.00} 6. XXXX XXXX Account Number : XXXX Bal : {$1000.00} 7. XXXX XXXX Account Number : XXXX Bal : {$480.00} 8. XXXX XXXX Account Number : XXXX Bal : {$1100.00}

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 non-monetary relief
Consumer complaint received 2021-04-16
Company: LD Holdings Group, LLC
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: Problem with personal statement of dispute

Complaint:
I applied for a mortgage loan back in XX/XX/2020. I authorized MTH to obtain my credit score. It was obtained and used correctly. On XX/XX/2020, I had a conversation what Mr. XXXX XXXX  regarding approval of a lower child support amount that Mr . XXXX  and I had discussed in back in XXXX. There was absolutely no discussion about any credit reporting or any request to run my credit again. I check my credit report recently and noticed I had an iquiry on XX/XX/2020. This inquiry was obtained WITHOUT my consent. 

I filed a complaint against MTH and this was their response. " Ms. XXXX and Mr. XXXX contacted MTH on XX/XX/2020, to advise that Mr. XXXX child support payment was reduced. At that time, a request was made for MTH to pre-qualify them again. When the request was made, Ms. XXXX and Mr. XXXX authorized MTH to review their credit profile, resulting in MTH pulling a tri-merge credit report that same day. MTH is unable to remove the credit inquires made on XX/XX/2020, as it considered the credit pulls valid pursuant to the authorization provided. MTH and loanDepot is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused Ms. XXXX and Mr XXXX XXXX. ". 

However, there are multiple errors in this response. First off, I was the ONLY individual who talked to Mr. XXXX XXXX  that day. Second, there was no verbal authorization or any authorization given to pull a credit report. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: AL
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:
I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.

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 2021-10-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Again, XXXX, XXXX And EXPERIAN Are Not Recording My Credit Report Accurately. They Insist On, Sticking Their Noses, In My Personal Finances. They Can't Wait To Put Negative Information On My Credit Report, To Lower It. If I Charge {$10.00}, The Next Day, My Credit Report Is Lowered. When I Pay Off {$1000.00} On A Credit Card, They Ignore It. Is This A XXXX, Discrimination Or The XXXX XXXX Issue?

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 2021-10-20
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America unemployment account on my debit card ending in XXXX was hacked and drained of all its money last year.i noticed unauthorized charges on his account in XXXX and called Bank of Americas customer service to report the fraudulent charges.bank of America froze the account, leaving me to be unable to access the remaining funds I had. I went through the recent purchases and activities on my account and found varies addresses where purchases were made and in other states within one day.After disputing with bank of America claims dept t inhey eventually unfroze my account but the y returned the entire balance back to Californias unemployment department.its been 6 months since this happened yet bank of America has not taken any action to reimburse the stolen funds. Even after I filed an identity theft affidavit with ftc.last but not least I've just recently received mail stating that bank of America has closed my debit 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 explanation