BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Capital Accounts called me at work twice. I have advised them to stop calling me at work. If they continue I will sue them for harassment.

The number that is calling me is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
XX/XX/XXXX reached out to the US Dept of ed., which has been reported on my credit report since XXXX. XX/XX/XXXX recently provided them with my email address of which I am being harassed. As of today, my FICO score was dropped 105 points due to payments on this account not being made. US Dept of Ed, stopped these payments themselves due to the Pandemic, stated in an email sent to me on Saturday, XX/XX/XXXX. 
If the US of ED, stopped taking payments because of the pandemic, why on earth did they report this account 120 days late. 
Also, on XX/XX/XXXX and XX/XX/XXXX, activity by CAPITAL ONE was reported to XX/XX/XXXX for charges that were pending on my account from a purchase made at XX/XX/XXXX late the evening before. When I called XX/XX/XXXX on XX/XX/XXXX, the representatives stated that Capital One provided them this information. Under FCRA, card usage done by debtor can't be reported until the billing cycle, mines is the XXXX of each month, yet XX/XX/XXXX had access to my shopping in XX/XX/XXXX, transaction still pending, to which my credit score was reduced 10 points on XX/XX/XXXX, the following day after the purchase was made. Also, I made payments to this account to decrease the balance, before my billing due date, this information was not reported or updated, nor did it increase my credit score back to the previous score after losing 10 points. It is also fair to note that Capital One would not allow me to make a payment, because my transaction was still pending and my balance was still low, too low for them to allow me to make a payment. How didXX/XX/XXXX get a hold to this information? 
Last but not least, XXXX is reporting inaccurate information, has failed to update, information, that the account was sold to a collection agency, when and the amount it was sold for, in addition to providing the name of the new account holder, and keeps reporting this information as verified. on XX/XX/XXXX, I sent a certified letter, asking XXXX to validate this account. It is now XX/XX/XXXX and XXXX XXXX  has failed to validate any updated information. XXXX sold this account which means they no longer own the debt, but they are refusing to update my credit report or respond to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: Information belongs to someone else

Complaint:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: Receivable Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I dispute the validity of the alleged debt. The full amount of this medical bill was paid through an employee spending account of my employer XXXX XXXX, having been sent to XXXX XXXX XXXX on XX/XX/XXXX and payment cleared on XX/XX/XXXX. This information along with documentation of claim payment XXXX claim detail # XXXX ) was furnished to XXXX XXXX XXXX on XX/XX/XXXX. Despite my previous dispute of this alleged debt and documentation provided, I continue to receive the same bill and letter dated XX/XX/XXXX from a debt collector named Resource Solutions, LLC threatening collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of 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 2021-03-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
recently reviewed my credit report and noticed I have a inquiry from this company I did not authorize them to do so I have reached put numerous times to resolve. Unauthorized use of my information to obtain credit etc process done as well as police 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 2018-07-18
Company: STATE FARM BANK, FSB
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello dear Cfpb I am writing to assist me to fix this problem with state farm bank credit card. I made payments {$4900.00} and payment was returned because my bank wanted to verify payment. My state farm bank credit card was placed on hold and i received phone call from Bank Verification department agent her name was XXXX XXXX and she was asking me to go State Farm Agent office to verify my identity and since i am working i can not go to agent office, I ask her to give me other option to verify my identity but she refused and also she told me i can not make a payment and do anything with this account until i verify this account, I asked her can i speak to supervisor she also responded she can not ask her supervisor call me until i go to agent office. But its really important me to make payment because if i do not make payment my account will be late and my credit will be ruined. I have this account since very long time and i made from same bank many payments and all charges are valid and account is Valid. I am asking CFPB to assist me so i can make a payment to this account please. Thank you Very much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: CBC Companies, Inc.
State: TX
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:
Factual did not have permissible permission to access my private information. Factual Data said they would get the inquiry removed months ago, Factual Data claims to have disputed with other companies that have hired Factual Data BUT I DID NOT SIGN ANYTHING AUTHORIZING FACTUAL DATA TO ACCESS MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im being balanced billed. And they are in violation of Florida Statute 641.3154 ( 1 ). 

This collection agency is continuing to report erroneous information on my credit report. XXXX ( insurance company ) this debt collector multiple times and advised them that is was illegal to place damaging information on my credit report. The collection agency reps were advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider failed to timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as required. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Date : XX/XX/19 Amount : {$400.00} Company : Coinbase Action Taken : Funds originally placed on hold for 16 days Called to get the hold reduced ( since my funds already cleared bank account ) Coinbase increased hold to 26 days Multiple tickets have been opened ( # XXXX, # XXXX, # XXXX, # XXXX ) I have ACH trace numbers and proof that the funds cleared. 

Per Coinbase : " Deposits are placed on a temporary hold while we wait for the transfer to clear ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019- an inquiry was done from Equifax Mtg , no address listed in XXXX XXXX XXXX NJ XXXX. I do not have a motgage currently, nor have I applied for any type of mortgage loan with ANY company. I believe my information has been compromised, as this is not from me! 

XX/XX/2019 and XX/XX/2019 an inquiry was made from the same company Bill Me Late with no address listed in XXXX, MD XXXX. I have no such knowledge of this inquiry or company. I reached out to this company to obtain information on who they were and how were they able to use my information for a credit inquiry two times, with no valid response. I believe these inquiries are a result of my personal information being compromised as this is not from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX  Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related  information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-10-20
Company: EMBRACE HOME LOANS
State: FL
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:
Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: ARVEST BANK GROUP, INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I checked my Arvest checking account online and had two transactions pending but these did not overdraw my account. They were both automatic withdrawals and I'd received emails from both companies stating that they had successfully withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX. I shopped at XXXX and overdrew my account. HOWEVER, Arvest waited till XX/XX/XXXX. to post all 3 transactions so that I had 3 overdraft charges. This is not the first time they have done this to me and therefore they get as many overdraft charges as they can. I've tried to talk to customer service about this but they tell me it all depends on when the companies state they want their money. None of that makes any sense to me. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: HireRight Solutions, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is my dispute to Hire Right Solutions. The agency is falsely reporting any thing that they said I have done.I was accused of 3 accidents in 1 day in a commercial vehicle. They have removed many things that was first reported inaccurately and they have not asked what was required required by federal law. F.M.C.S.A. the items that they needed to fully prove me innocent. 
. 1, I was at first accused that there was in fact a XXXX. REPORTABLE ACCIDENT and  there was not. 
2, A XXXX XXXX XXXX by law should of been done or required as a result of any accidents resulting from a commercial vehicle. There was none. 
3, There is no proof I was driving that vehicle. 

But they have not removed all of the wrong information to show innocence of these accusations, if Hire Right was performing a true investigation. There was not. 
There just had to be by FEDERAL LAW THE REQUIREMENT OF XXXX XXXX AFTER THESE ALLEGED ACCIDENTS BUT THERE WAS NOT ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX. # XXXXviolated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation