BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to list a XXXX credit card account on my credit report in violation of the 7 year reporting rule established by the Fair Credit Reporting Act ; last payment on this account was made in XXXX 2008 and the current payment status reported by Experian is " Past Due 180 days '' ; I have disputed this account both with the credit reporting agencies and XXXX directly ; XXXX and XXXX correctly removed the account from my credit reports, but Experian did not ; the fact that it was removed by XXXX and XXXX by not Experian tells me that the erroneous reporting is the fault of Experian and not 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 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I went to.apply for a card and it ran multiple times Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.

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 2016-01-01
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no clue why I owe money to this medical company and debt collector. If i do, I have no clue how to pay it off because I do n't know where it came from. If you could help me dispute this or at least help me find a way to pay it off so I can finally get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
to whom this may concern, accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 sent several disputes to each of the credit bureaus : Transunion, XXXX, and XXXX. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company on my credit report named Portfolio Recovery is not mine. Per XXXX the original creditor is XXXX XXXXXXXX XXXX. Then it also shows XXXXXXXX XXXX with XXXX  year date. 

From its name, I am assuming it's an apartment complex. I'm in my XXXX 's and have owned and lived in a house since XXXX I have never used XXXX XXXX XXXX 

Portfolio Recovery has been calling my personal and work number the past 3 months on a weekly, daily, and sometimes multiple times per day. They would call from as early as XXXX and as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Numerous documents have been emailed to BMWFS in regard to payment taken out of my account in error, XXXX on XXXX, an overdraft fee in the amount of 35.00 as well. Its been several weeks since initial documents emailed, they were confirmed received, still no refund issued back. BMWFS reps state the matter is being reviewed/worked on but nothing is actually done. The last rep by the name of XXXX stated she was working on it, requested new documents which she received, still indication of refund ( s ). Please do not mark this as a duplicate, there is additional information contained

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Certificate of Deposit purchased from XXXX National City Bank- XXXX, six month certificate, amount {$10000.00}. Recently discovered among other bonds and certificates. I have the original, signed by the bank, and have never redeemed it. PNC purchased National City, to include all holdings, in XXXX. They are refusing to redeem my certificate of deposit because their " records only go back 7 years ''. I informed them I could produce tax records with statements, no XXXX 's or records of them paying at time of acquisition. They stated, " does n't make any difference, going by our 7 year rule, I will not receive my money/redemption ''. HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by ABC Financial, the financial company for XXXX XXXX. I also mailed a copy of my Arizona ID and a letter expressing my wish to cancel by certified mail as they requested. ABC Financial continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my Arizona ID was not readable, and therefore they could not cancel my membership! XX/XX/XXXX, I received a notice from a collection agency called XXXX XXXX XXXX, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't owe this company any money, I never had a at & t account. I will not pay for a debt that do not belong to me.This account is fraud and I will not be responsible for this debt.it is illegal for this company to obtain my personal information from another company. I 'm tired of being harassed about this account. I know my rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received multiples calls back to back same phone number within about 10 minute time lapse. I answered thinking it was an emergency of some sort as I have children. Was told it was from a debt collector I took down some info explained I was busy and told them I can contact them at a later time which I intended to and was put in phone with superior who proceeded to talk to me aggressively saying I had to pay today I had no choice but to answer my phone and spoke to me loudly. I told him he was being unprofessional and that I was a busy person he has no right to get aggressive when all I was asking was to give me time to call back when I had a chance and he wasnt giving me he continued to be aggressive to a just got As much info as I could and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Good afternoon, My name is XXXX XXXX. I had an account with Cash App ( which is currently closed ). For nearly 21 months now I have been attempting to cash out {$2400.00} that is rightfully mine. They first claimed I couldn't cash out because that transfer was being disputed by the sender, which happens to be my husband, XXXX XXXX. That is false, and I have sent multiple emails with the history of the transactions. I sent them the information below : " Below are all the transactions that involve {$2400.00} between XXXX XXXX, XXXX XXXX and myself, XXXX XXXX. As you can see, this has been resolved on XX/XX/2018. The {$2400.00} that my husband, XXXX XXXX, sent me, XXXX XXXX on XX/XX/2018 at XXXX XXXX   was never disputed. The transaction that was accidentally disputed and resolved by XXXX XXXX  is the transaction sent from XXXX XXXX to XXXX XXXX ( unknown date and time because all off $ XXXX history was erased ). Thank you for your time, and if you need anything please let us know. 



XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX -- Web Receipt Identifier : XXXX XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX  to XXXX XXXX $ XXXX -- Web Receipt Identifier : XXXX XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX  -- Web Receipt Identifier : XXXX XX/XX/2018, before XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX  -- - this is the transaction XXXX XXXX   accidentally filed a claim on XX/XX/2018, XXXX XXXX  : {$2400.00} transaction from XX/XX/2018, XXXX XXXX  refunded from XXXX XXXX 's account $ XXXX  due to XXXX XXXX  's error in filing a dispute. Web Receipt Identifier : XXXX XX/XX/2018, XXXX AM : Cashapp returns the {$2400.00} back to XXXX XXXX 's account $ mikepavlovich after XXXX XXXX  releases the funds back to cashapp after XXXX XXXX worked with XXXX XXXX  to cancel the dispute he never filed. The reasoning on the transaction is For XXXX XXXX XXXX : https : XXXX This is where the issue has been resolved between those two individuals. ( I attached a screenshot of this transaction from XXXX XXXX 's account ). '' Cash App would tell me to patiently wait while they investigate the case, then when my patience runs out I reach out to them and they will tell me the case is closed since I did not reach out to them. The transaction between XXXX, my husband, and myself was never in question. I am very exhausted from this situation and am just trying to cash out my {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax did not properly secure my credit report information. My information was on the list of hacked information and I am very angry they did not take care to safeguard my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i would like to know what the XXXX bank of america is doing??? there has been 3 investigators call me and all 3 dont know what the XXXX theyre doing??!!!! they all diassapeared! and i dont want this complaint removed either by the CFPB!!!! LEAVE MY COMPLAINTS ALONE TILL THEY CAN RESPOND!!! AFTER MONTHS AND MONTHS OF COMPLAINTS I HAVE NOT RECEIVED ONE XXXX VALID RESPONSE FROM CRIMINALS OF AMERICA!!!! THERES NO VALID CONTRACT,!! THERES A CLOSED ACCOUNT IN XXXX THAT THEY THREATEN ME TO PAY A BALANCE HAS ALREADY BEEN PAID, AND IF THATS NOT ENOUGH THEY THREATN ME TWICE WITH THEIR XXXX CRIMINAL FRIENDS XXXX!!! NOT CRIMINALS OF AMERICA OPENS UP A CLOSED ACCOUNT AND IS DOING SOMETHING WITH XXXX DOLLARS?? WHAT THE XXXX ARE THEY DOING????? WHERES THEIR SIDE OF THE BOOKEEPING???? WHY CANT THEY ANSWER MY QUESTIONS AND SHOW VALID ANSWERS, WHY DO THEY HAVE XXXX XXXX XXXX CALL ME,???? THESE PEOPLE ARE XXXX XXXX,!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY STILL USING FICTITIOUS NAMES TOO, OVER 20 COUNTS OF FELONY IN MY PAST COMPLAINTS AND STILL I HAVE NO RESPONSE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-07-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer for reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
wel ive got alot of issues, we, ll start XXXX XXXX all XXXX XXXX. the recenmt over the limit that was reported is a complete lie, they added onterest which put me a few $ over. trhey did this b4 once when my balsanve was so high ( m thats done. just paid threm down in XXXX. but whenmi got a notification, i called custumer service and said a certain credit didnt go thru and their $ 50+ interest put me over. the csr said ( { and assured me that no0thing would be reported til XX/XX/XXXX. i get my dis on XX/XX/XXXX theyre due XX/XX/XXXX. so thryre alwayts earl ; y anmd wazy bedore the XX/XX/XXXX. 
now to the XXXX COAP??? i nquiries all in a month. i just found out thats XXXX XXXX XXXX. ive been getting preapprovalo letters up to {$35000.00} for apxc 2 years. in fact i bought new XXXX with itafter about XXXX monhs im wantyed to refi lower inteest. they approved me ( i have all documentaTIONstill ) then about a week later they call and said my employer filled the form wrong ( XXXX income, XXXX is XXXX main revenue source. my boss was on vaca tiohn fort 3 weelks. letters were coming in saying IF it were approved @ higher inrest rate. off and on back and forth i said forget thrm.. what im figuring now is the kept running my inquiries. THEY BETTER COME OFF ASAP!!!!!!!!!!!!!! I DONT THINK YOURE GOING TO WANT ME XXXX W/ THEM DIRECTLY. 
HELP ON THISW

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Amsher Collection Services, Inc.
State: AL
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:
After reviewing the credit profile Amsher Collection Services continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Who Can Help me, I sent in letters to Trans Union about inquiries I had never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.

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 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently obtained a copy of my credit report and these accounts are NOT mine.Please investigate and remove these fraudulent accounts from my credit report. Please send an updated copy of 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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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