BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : Credit Coll : XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.

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 2020-10-05
Company: Simon's Agency, 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 status incorrect

Complaint:
I have two items sent to collection ( XXXX  ) at the Simons Agency. One for {$20.00}, and the other for {$54.00} for a total of {$74.00}. This debt was taken care of on XX/XX/20. The information has yet to be removed or marked as paid on my credit report. I have contacted Simons and they told me its a problem with XXXX. I contacted XXXX and they said its a problem with Simons Its been over 3 months. I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Over the past few months I've filed numerous disputes with Equifax to remove an unknown / fraudulent address I have no connection to. All of the disputes have been ruled in my favor and were to be deleted. To date it has not. And even after calling to inquire why the address hasn't be deleted everyone I talked to stated the report would be updated in 24 hours. Also I requested a 'consumer statement ' about this address be deleted which wasn't done either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been brought out to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-01-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I and my spouse discovered the theft of over {$120000.00} dollars by XXXX XXXX XXXX XXXX XXXX XXXX as I attempted to enroll into their XXXX campus ( XX/XX/XXXX ). 
Somehow XXXX XXXX XXXX allowed XXXX XXXX to open a fraudulent account in XXXX XXXX as 1of my attachments indicate.

We contacted the school and corporate only to get the " runaround ''. These criminals pursued us into our professions having my spouse XXXX harassed and bullied as they took my XXXX license XXXX XXXX after a kidnapping by the XXXX police Dept. I filed complaints with numerous organizations that somehow chose the side of these criminals over me and my family whom are blatant victims. These criminals opened XXXX dollar accounts on myself and spouse into their XXXX XXXX campus. They are using my spouse maiden name XXXX XXXX XXXX to secure fraudulent accounts.They are presently cyber and physically stalking is. I haven't worked in the XXXX  industry since XXXX XXXX for XXXX XXXX where I was wrongfully terminated and {$1800.00} in commission monies seized. Have set up a fraudulent child support " case '' to block me from using my hard earned XXXX  license ( XXXX ) here in XXXX as they allow unlicensed criminals to literally burn the hair out of clients head due to illiteracy of the " stylist ''. XXXX # XXXX XXXX XXXX XXXX v XXXX XXXX XXXX was suppose to have been long settled by now!!! In seizing control over my and spouse social security numbers they have seized our very lives!!! A XXXX XXXX forwarded the arbitration demand monies I demanded to an old address in XXXX XXXX  knowing our exact whereabouts were in XXXX XXXX. These criminals won't let up!!! Attacked my spouse from behind XX/XX/XXXX shortly after her being delayed by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Mall. They tried to kill her!!! Her shoulder needs XXXX but they have rendered us homeless with their aggravated identity theft schemes!!! I last worked a couple months ago for the XXXX  XXXX XXXX of XXXX XXXX as a XXXX  for 4 months. On XXXX XXXX I and my wife went to the XXXX board there in XXXX to inquire about my hard earned XXXX  license. I saw it on the computer. Unfortunately XXXX XXXX XXXX has sold it to some unqualified person ( 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 2021-01-17
Company: First American Solutions, LLC
State: CA
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: Didn't receive services that were advertised

Complaint:
My payment was made out on the XXXX and I haven't received it they said that there's fraud on my name I'm not understanding what I need to do and I'm not seeming to get the right help I need my information is not the same because I can't get into my account so let me somebody is doing fraud on my name please help thank you

Company response to consumer: Untimely response
Consumer complaint received 2021-01-17
Company: Resurgent Capital Services L.P.
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:
After contacting XXXX I in the customer care department regarding the inaccurate and incorrect information that XXXX XXXX  is reporting on my credit report, I received a letter from XXXX stating that this account is reporting accurately. This claim of accuracy is false and XXXX failed to do a reasonable investigation regarding the accuracy of this account. List are the inaccuracies that are still on my XXXX  credit report : 1. The High balance is incorrect. 2.The last payment shows XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. 3. There is a charge off only after a 60 day late in my payment history. 4. The remarks shows paid in full, is the accurate? 5. There is no date of last activity. 6. The close date is inaccurate. 7. The account number is inaccurate. XXXX report : 1. Shows no payment history, but XXXX do. 2.The Delinquency First Reported date has been re-aged several times lastly to XX/XX/XXXX. How is this account reporting accurately to the CRA 's as claimed by XXXX in customer care?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have a joint checking account with the M & T Bank ( the routing and account number are XXXX and XXXX, respectively ). The bank blocked us to get access and/or transfer money last XXXX without any reasons or notifications. Now, we could not pay our bills on-time through this account, which may significantly affect our credit scores and mortgage ( or credit cards ) applications. 
We called M & T Bank to resolve this issue on XX/XX/XXXX. We also asked the managers in security department and the local XXXX officers why our account was blocked. 
However, none of them was willing to tell us why. They kept asking us to call another number ( such as XXXX, XXXX, XXXX, etc. ). 
After many hours of calling different officers, M & T Bank still have not provided us a reason why our account was blocked nor resolved the issue. 
In addition, we have requested XXXX XXXX XXXX to represent us to contact the bank. He has also failed to resolve this issue. 
We will be grateful if you can help us to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: ENCORE CAPITAL GROUP 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 spoke to Midland Collection several times and submitted disputes several times and I gave them a police report number because I had fraudulent activity in my name including identity theft. This company refuse to remove this fraudulent information. I gave them everything they asked including the police report number. This company is harassing me with calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount owed was XXXX. I dont know why but it is now up to XXXX. Every time I try to dispute it they add money. I have told them they are violating the hippa law. Ive complained to XXXX several times about this issue and they removed it one time but put it back on my credit after a few days. The account is Capital Accounts I have no ideal why they keep increasing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have Overdraft protection and I need to Overdraft my account so I can pay on my overdue utility bills but my bank won't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: WI
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:
These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bremer Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ) by denying me an opportunity to apply for credit and open up a checking account with Bremer Bank online and in person. Bremer Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Allied International Credit Corp ( AIC ) asking to pay a balance of {$1800.00}. It said an account was referred to their office by XXXX the creditor. It said I must notify their office in writing within 30 days from receiving the notice if I want to dispute the validity of the notice. It also asks to remit a payment to the address of : Allied International Credit Corp XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX It also says payment can be made by signing into XXXX and making a one time payment to bring the account up to date. 
I have not opened an account with XXXX so this debt is not valid. 
I have not notified AIC or XXXX regarding this because I have not opened an account with XXXX so I feel this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: SC
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-01
Company: ALLY FINANCIAL INC.
State: TN
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:
On XX/XX/XXXX, I contacted Ally Bank re their lack of action regarding a fraudulent charge by XXXX. On XX/XX/XXXX, I made an online purchase from XXXX for {$66.00}. The purchase was acknowledged by the merchant. I discovered too late that XXXX has a history of taking money and not sending the merchandise. This is precisely what happened to me. 

By XX/XX/XXXX, I gave up on XXXX and disputed the charge via Ally Banks online form. It is now XX/XX/XXXX and Ally has failed to reverse the fraudulent charge, despite numerous requests from me via secure messaging. Suddenly, some time prior to XX/XX/XXXX, Ally decided that my dispute could *only* be processed via written forms which they claimed to have sent which have not been received. On XX/XX/XXXX, Ally confirmed that, upon review, they had my correct address. I have had no further contact from Ally. The charge has still not been reverse. My orders page at XXXX has been scrubbed but I screenshotted the page prior to scrubbing. 

Thus, Ally has done nothing but play games and drag their feet over a clearly fraudulent charge. 

Thank you.

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 2021-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having issues opening up a Capital One Bank 360 Checking Account. Capital One Bank is discriminating against me deny me credit and an opportunity to open up a checking account due to a previous Capital One Bank 360 Checking Account that was discharged in bankruptcy court under Chapter XXXX. Capital One Bank is also discriminating against me because of my race, me being XXXX American ( XXXX ). Capital One Bank is in violation of of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: National Medical Administrators, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid {$6.00} for online product ( XXXX ). The company started charging my credit card for services I did not authorize. I called my bank and shut down the credit card. I tried to call/ cancel the promotion however the company does not have a contact link. I received papers from a debt collector saying I owe {$110.00}. When I contacted the debt collector they day I owe {$230.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A mediator from a legal complaint department ph # XXXX states my husband opened an account with HSDC for a {$500.00} limit Platinum Mastercard in XX/XX/XXXX and made payments up until XXXX of XXXX. She stated notuces were sent to our address that we never received. My husband has never owned a Platinum Mastercard. She had his name, job description, address, and social security number and claims we are being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit card was opened for my Company, XXXX XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX XXXX XXXX in XX/XX/XXXX to contact Capitol One to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for Capitol One admitted they couldn't prove I was personally liable. 

This was a company card, NOT a personal account.

Company response to consumer: Closed with explanation