BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: Credit Management Control, 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: Their investigation did not fix an error on your report

Complaint:
Credit Management Control Inc has placed a collection account on my credit report via XXXX in XXXX of 2022. 
Upon learning about this collection account via XXXX XXXX ( based on alerts I subscribe to ) I contacted Credit Management Control Inc. to request validation of the alleged debt, which does not belong to me. I also disputed this company 's collection account with XXXX on XX/XX/ 2022 ( XXXX confirmation # XXXX and on XX/XX/ 2022, XXXX responded to say " this account has been verified and will remain on my credit report. '' I provided a copy of a recent Identity Theft police report filed by me, as there were multiple accounts listed on all three credit bureaus which did not belong to me.

I have mailed to Credit Management Control Inc a written request for the validation of this alleged debt the company is saying belongs to me. I have been unsuccessful receiving a response. I mailed the request on XX/XX/2022. To date, no response has been received from Credit Management Control Inc to validate the debt. Additionally, I never, ever received an notice of this debt from Credit Management Control Inc prior to the company submitting the alleged collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My bank account was closed and no other information was given to me. I have been an established customer since 2001 with no issues. I was told that this was discriminatory practice. I went inside the back to clear things up and they also were confused as to why my account was just closed and labeled me as an " Established Customer ''. No bounce checks no fraud nothing was observed. I was not able to get money out without waiting for an extended period of time and I would like answers because I did nothing wrong to deserve this.

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 2022-09-08
Company: EQUIFAX, INC.
State: IN
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In  XXXX  or  2017 , I contested an item on my credit report that was reported as collection by  Collection Bureau of FWB.  It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for   XXXX   XXXX   XXXX   for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from  XXXX , was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into   XXXX   online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are several inquiries on my credit report that I do not recognize. Also, there is numerous addresses and names or the spelling of my name that are reporting that I do not recognize as well. The only name and address that should be listed on my credit report it is the one below. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have contacted XXXX, XXXX and Transunion over 10 times to have them deleted so that I have a accurate credit profile but none of the credit reporting companies have respected my rights. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/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 2022-09-08
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-06-20
Company: COMMERCE BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was attempting to settle a debt on a credit card with Commerce bank through XXXX XXXX. I submitted a settlement on the account when contacting them to check on the settlement I was then notified of a {$25.00} demand check card that is owed. I have all of my previous cards from Commerce none matching the numbers provided. And Iv been with XXXX XXXX since leaving Commerce in XXXX 2015. The dates do n't match up, and neither does the card numbers. And this was never mentioned previously to me. They could provide no transaction records or any other information to me. The lady I spoke to said she was n't aware of this account previously. And they will not allow me to settle the credit card debt without this being resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Customer service representatives are not helpful in answering questions regarding Public Student loan forgiveness. In XX/XX/2012, representatives stated all you had to do was fill out & send the Employment verification form. They never looked into the loan type to determine eligibility or guided to the right type of loan that would qualify for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has made repeated phone calls to our home after being sent a no contact and being told to call the XXXX XXXX XXXX 's and not to call our house anymore. On XX/XX/XXXX they call several times, but have called so much that my caller ID is full and could n't go back any further. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
After a recent review of my credit report I noticed that there are  inquiries ( aut omobile dealers ) that I did not authorize. I contacted  XXXX ,   XXXX   and Equifax of this issue on m ore than one occasio n and to date still no resolution. I am aware that inquiries are to tell if you qualify for an account and I have no current account regarding an automobile with none other than  XXXX   XXXX  and  XXXX . As a consumer I am disappointed in the fact that this could not be resolved directly and I was left to file this formal complaint. Please remove all automobile inquiries exce pt the two m entioned prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: FinCo Services Inc DBA Current
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Current bank is a scam!!! And i been trying to get my dispute back from this bank for a min! It took for a police report for me to try to get the XXXX back that someone spent at XXXX in a whole nothee state that i never thought of or been to! If this doesnt getting settled and they dont do a right investigation! I will be filing a suit against the company! Cause thats basically leting scammers take money for no reason! I need help nd the money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a pre-paid card from XXXX  XXXX  that would have the money I would receive from the company for donating. I have since stopped donating and requested my account be deleted by both octapharma and by Comdata. XXXX emailed saying Comdata would be the only company allowed to delete my account and Comdata have stated the XXXX company must reach out to them for the account to be deleted. All of this took place on XXXX XXXX and either company has done as I have asked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: National Credit Systems,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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX To whom it may concern, At this time, I am writing to you regarding an account listing on my credit reports. This account is NOT mine and when contacting National Credit Systems, I have been treated very poorly. I have requested a copy of a credit application filled out by myself several times, they can not provide one. When asking how they have my social security number I was advised that is none of my business. I have attempted to contact XXXX XXXX XXXX, Manager several times to resolve this issue. I am placed on hold and then transferred to a collector. 

I have contacted the apartment complex and spoke with XXXX and she stated that they have nothing to do with XXXX XXXX XXXX, but that if the collection agency would call them she would have this removed from my credit. When speaking with Nation Credit Systems they stated that XXXX XXXX bought out XXXX XXXX and it is not their job to contact the apartments manager. 

According to 444.3 Unfair or deceptive cosigner practices I should have been given a separate form to sign notifying me that I was a cosigner and what my rights and responsibilities are. 

( c ) To prevent these unfair or deceptive acts or practices, a disclosure, consisting of a separate document that shall contain the following statement and no other, shall be given to the cosigner prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed : I was never given this form and upon requesting this I get transferred from collector to collector asking me to verify my social. I refuse to give my social any longer because I feel this will be their excuse for having it. 

I am at this time DEMANDING that this be removed from my credit report as it has been affecting me in a negative manner. I was never a resident and was told by apartment manger that I was being used as a reference, NOT a cosigner. Please see enclosed eviction notice for this property where I was never listed. Please contact me for any further information needed at the above address or phone number. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: BARCLAYS BANK DELAWARE
State: FL
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:
In XX/XX/XXXX I signed up for the luxury gold card. The company offered an scra benifits that waived all fees ( including the annual fee ) and gave me 0 % APR on all purchases. In XX/XX/XXXX I heard of friends trying to get the same deal but the company stopped offering it. I spoke with a representative and was ensured that I was grandfathered in and my benifits would not change. In XX/XX/XXXX I received a letter stating that I would be forced to pay the annual fee in XX/XX/XXXX all other benifits would remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$27000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Card, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Bank, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$10000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the company dated on XX/XX/2020, regarding inaccurate information that is in my credit file for the company. The company responded with a card, then a Dispute Results Letter dated on XX/XX/2020, but did not correct all the inaccurate information in the Public Records section in my credit file. I sent a Method of Verification Letter dated on XX/XX/2020, exercising my rights under the Fair Credit Reporting Act ( F.C.R.A ) 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

The company responded with a card that states they have 30 days to respond but as per the Fair Credit Reporting Act, the company has fifteen ( 15 ) days to respond to the Method of Verification Request. 

The company failed to respond to the Method of Verification Letter in the time allotted under the Fair Credit Reporting Act.

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 2021-09-25
Company: Aldous & Associates, PLLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello- I have multiple business bank accounts with Chase. I opened up a new account for a property refinance. The account was opened last week and I was sent a wire for {$350000.00} on Tuesday. The wire has not hit my account and Chase 's wire department has frozen the funds. When I call Chase they send me around every department telling me the wire department doesn't have a phone number and they can't get any answers from them. My money is now frozen arbitrarily without any access to it. 

The worst part is this is now the second time this has happened at Chase. It was the same exact circumstances the first time around where I opened an account for a refinance. It took 2 weeks for the issue to be cleared up and they promised it would never happen again. Unfortunately I believed them and tried this a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, I have been a victim of identity theft. Someone has stolen my identity and has used it to open accounts without me knowing or without my authorization.

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 2017-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

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