BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In an attempt to collect from us, when we were in dire times, they called the home of my husband 's ex-wife and spoke to her husband about our delinquency and the fact they were trying to collect our late mortgage payments. This was Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: GA
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 was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: AZ
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:
there are numerouis inaccurate listings on my account that need to be investigated see letter attachached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2022-03-27
Company: JPMORGAN CHASE & CO.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was purchasing airline tickets on United 's website. As I was getting ready to check out there was an offer for the XXXX XXXX card that said if I applied and got immediately approved that I could get a {$250.00} credit after the purchase and additional miles after spending {$3000.00}. I used that link to apply for the card and was immediately approved and then used the card to make my purchase. Several days later I called to find out when the {$250.00} credit would be applied to the account and keep getting told they have no record of the credit offered. I have spoken with XXXX and Chase on multiple occasions trying to get this issue resolved. 
I applied for the card using the offer link provided on the United page that was provided online ( a {$250.00} credit to my account with my first purchase and the airlines miles after spending {$3000.00} in the first 3 months. ). I don't know why people keep saying they have no idea what I'm talking about regarding the {$250.00} account credit. This seems like a case of false advertising at this point. I wouldn't have even applied for the card if that offer hadn't been advertised on my purchase. 
On XX/XX/XXXX at XXXX pm, I called again asking for information. The representative told me that the {$250.00} credit would be refunded to my account when the cycle closed on XX/XX/XXXX. I called three times this morning ( XX/XX/2022 ), and the representative told me that there is no refund of this offer in my account. They say that they will transfer me to a higher representative but the call cuts. So, there is no answer. I have recorded some calls for my safety. 
If you check the page of XXXX XXXX, there is an advertisement that offers a {$250.00} credit statement and XXXX bonus miles. It was the same advertisement but XXXX bonus miles instead of XXXX. 
I am attaching a screenshot of the offer shown on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Experian Information Solutions Inc.
State: IL
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:
My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally u  nprofessional and poor service for customers.
2 ) This misreporting has prevented me from securing student loans.
3 ) My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.
4 ) Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.

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 2020-03-20
Company: Remex, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Remex XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Reporting debt of {$75.00} when all debts to the company was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX has used multiple debt creditors with wrong and possibly false information. Every time we take our kids to our XXXX they say you owe nothing for a wellness check under obamhacare rules. Then every couple months we get bills for a XXXX or XXXX there. they also only go every couple of months. But every time these credit places have contacted us they send a debt collection without any 20, 60, or 90 days let alone any other correspondence. This latest one is medicredit www.medicreditcorp.com I really wonder who the person at XXXX is getting a kick back to keep making this fraudulent bills. Everytime they come out of the blue the only reason I keep going back is that my wife loves the XXXX but for XXXX they either need a accounting audit or a investigation by the proper authorities at this point. I would ask that you have both XXXX and this collector provide full bills, correspondences to the physician not a company representative, full correspondence to the insurance company, all messages send to the supposed debtor. And a full break down of the bill. This at the very least violates the FCRA but like I say this has happen so many times for a XXXX there and here someone maybe making a profit off of scare tactics. I have insurance and we always ask if we owe something. I have multiple witness to that affect. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was in XXXX My " debit '' card that I use for ATM purposes was compromised and I was defrauded of about {$2000.00} This international bank does not have a telephone or sms service to alert to a fraud, but they send out an email since it 's a debit card. 

With time difference and my travels for XXXX, I missed the email and was defrauded of about {$2000.00} The bank maintains that since it 's a debit card, I am responsible for the loss even though I explained to them that fraud occurred before its alert email. and once, I had called them in response to the alert, no further fraud took place. 

For a credit card abuse and theft, there is a complete protection. Why do n't banks offer similar protection for the debit cards when they issue them in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase at a merchant during complete chaos at a concert with XXXX people. I ordered:XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$30.00} ) XXXX XXXX XXXX prints ( @ {$60.00} ) XXXX T-Shirt ( @ {$40.00} ) For a total of {$2200.00}. The employee told me XXXX amount, but put a different amount on the receipt, and then never offered me a copy of the receipt. It was n't until the next day when a notice popped up on my phone that showed a total charge of {$3100.00}. I disputed the charge with AMEX and was declined because the merchant says " prices were posted. '' That was not my dispute. My dispute was the merchant was incompetent and over charged me. In talking with several people I know, and reading messageboards, this was a huge problem with the merchant. But, guess who takes the fall? Me, an {$840.00} overcharge, and AMEX gets their fees, the merchant gets their fraudulently obtained funds, and the little guy gets a stick in the eye and is out {$840.00}! What a fun outcome for everyone but the consumer! Dishonesty pays I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date showing reporting started- XX/XX/XXXX Date showing account started- XX/XX/XXXX Original loan amount reporting- {$5500.00} Past due loan amount reporting- {$8000.00} I have filed and submitted police reports, identity theft reports, as well as numerous letters to request accurate reporting or removal from my credit and to no avail. Account has shown inaccurate reporting as well as supposed collection attempts which have hurt my score with all three of the credit bureaus.

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 monetary relief
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: IL
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:
My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally unprofessional and poor service for customers.      2 )  This misreporting has prevented me from securing student loans.      3 )  My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.      4 )  Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: STERLING JEWELERS, 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:
This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company JARED the galleria and XXXX XXXX to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/22 called collection for a cease and decease oral form of communication and by all mediums including my credit report. 
XX/XX/22 received a letter from collection saying until debt is paid they will continue to report information to my consumer report. 
I asked if they can provide me a signature saying that I owe the debt and was told they don't have the original instrument providing me my entitlement to the indebtedness,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
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:
I am filing this report because I have been a victim of identity theft. The way I found out is that I went to XXXX XXXX XXXX to apply for a loan and I was not approved because apparently there are a total of seven accounts reflecting badly on my credit report. None of those accounts are mine ; I did not open any of them and I did not give anyone else permission to open them in my name. I did not benefit anything at all from these accounts and I did not contribute to any payments or purchases made with these suspicious accounts. I do not have any type of written/verbal contract/agreement or relationship with any of those companies. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding all of these accounts that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: IL
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 Acc # XXXX has violate my civil rights XXXX5 USC 1681 Section 602 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 1666B ; A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on XXXX XXXX 2016. I was told by, XXXX of XXXX ( Dispute dept. XXXX ), that our mortgage info had been removed by HFC, Member HSBC XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, phone # XXXX. XXXX told me that she knew that HFC removed the info, because XXXX database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called XXXX on XXXX XXXX 2016 and spoke to XXXX a supervisor, who told me that for business reasons, HFC temporarily suspended reporting on all their mortgage info to the credit reporting agencies, because they did not want to report anything negative. My response was, " when you pull info from a persons credit report it reflects negatively and will cause the credit score to decrease which would affect your customers negatively. '' He then told me that he did not know if or when HFC would be putting the info back and that I would have to fax my complaint to their Credit Bureau Dispute and Inquiry dept. The fax which was given was XXXX. I asked him would this dept. be able to add our mortgage info back to our reports. He said, no ... my reason for filing this complaint. I have never heard of such a thing and without notifying the customers. Is this even legal? I am also concerned, because this mortgage was applied for in the state of Arizona and I recently saw an XXXX news report in XXXX 2016 about lawsuits against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ON XXXX/XXXX/2016 I discovered a debt owed to XXXX on my credit report being reported by Transworld Systems. I found this strange since I always pay my bills and never was notified that I owed XXXX any monies. Upon contact TSI, I advised them of the situation, to which quickly we figured out they had an incorrect address for me. Clearly, this meant I was never properly notified of the problem. Should I have been notified of this bill and the impending credit reporting I would have paid it and avoided any credit reporting or continued collection attempts. I remain adamant that their failure to notify me in any capacity, phone/mail/email of a potential adverse remark being placed on my credit report is not in compliance, and request they allow me to rectify this without the penalty of it being on my credit report for 7 years. I demand they properly notify me of the balance and allow me 30 days to pay before it reports on my credit reports like every other consumer is afforded that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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:
Capital one Account number XXXX Unlawfully reporting false information about I owing money to pay for a vehicle under criminal investigation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CONGRESS COLLECTION CORP
State: MI
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:
A medical bill was sent in error by my provider, XXXX XXXX XXXX to XXXX XXXX. 
There was a miscommunication between XXXX XXXX XXXX and my Insurance carrier regarding billing codes that was in the process of being sorted out when it was accidentally sent to collections. XXXX XXXX apologized for the error ( it was an honest clerical mistake, they have been very professional ) and suggested I notify Congress Collection who handles their collections and explain the situation. They assured me that Congress would pull the account back. I notified Congress Collection immediately. I was encouraged to pay the outstanding balance now even though it was still being sorted out between insurance and provider so that when it was removed, it would not be re-reported the next month all over again. It was suggested that if the final bill ended up being less that the full amount that maybe I could turn to my insurance carrier for reimbursement. I ( naively ) went ahead and paid the account through the website and immediately called back to report my payment and confirmation number and asked when I could expect to see it removed from my credit reports. I was flatly told, " Oh, we never remove items from a credit report. '' I. WAS. LIVID. It was the absolute opposite of what we discussed. So not only was this entire account sent to collections in error to begin with but I paid it upfront as the Congress representative suggested so that once removed from my reports it would not be re-reported. I have disputed the account numerous times and yet they refuse to remove the account ( that was not even supposed to be there in the first place! ) I reached out to XXXX XXXX XXXX and they apologized for the ongoing issue and sent me an official letter for both XXXX  and XXXX  requesting the account be removed from my trade lines once and for all. I simply want this account removed from my credit reports. It is the one and only negative account on any of my reports, was added in error and even the original creditor has written a statement asking for it to be removed. 
Thank you.

Company response to consumer: Closed with explanation