BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was called at work to be informed that a company had sealed documents to deliver but they had an old address. They gave me a phone number to call,  XXXX and a case number  XXXX . This was regarding credit card debt from many years ago. All of my debt was legally discharged in a Chapter  XXXX  Bankruptcy Filing in Arizona with the  Federal Bankruptcy Court i n  XXXX   2016 . The collector said i was about to be sued  ( even though my debt was discharged ). I gav e them my attorney 's information and will report them again if they try to contact me after this. They refused to give the name of their agency and just gave me first name  XXXX , then someone named  XXXX   XXXX . Other websites identify the phone number as   XXXX   XXXX   in New York

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NC
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. 
US DEPT ED # XXXX has violated my rights. 
and US DEPT ED # XXXX has violated my rights. 
Reported Twice! 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX XXXX XXXXXXXX veteran that was having XXXX  problems and reached out to a community service XXXX  or so I was told when I made the appointment.The receptionist told me and my wife they help veterans all the time.I went to the appointment on XXXX and while the XXXX  worked on my the nurse came in and asked me to sign some papers and they could get me financing.My wife and I looked at each other and my wife said the receptionist told us this XXXX  office helped veterans and were a part of the community care network, I said you told me the entire expense would be {$15000.00} I can't pay that amount and the va takes care of all of my community service debt.She explained no and we will bill you for the balance.I said ok got out of the XXXX  chair and left.A week and some days later I got a bill from synchrony bank in florida telling me I owed them XXXX XXXX XXXX.I spoke to the bank and told them this XXXX  clinic is trying to fraud me.I was in the office for 4 hours, the XXXX  grinded and sanded my teeth and after I learned what was going on me and my wife left.I have received nothing else from their office.I mean nothing no teeth no more visits no nothing.Synchrony bank paid them the XXXX XXXX and now I am stuck with the bill.I will not pay for something I never received.

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 2020-04-23
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover Card Disputes, Please re-open my XXXX XXXX  dispute below. This dispute is for an item not received, but was paid for in advance. An item not received is unrelated to a package being delivered, because a package can be delivered without the pants. This dispute has no relationship to delivery, and it is disrespectful that you closed it based on postal delivery. I did not ask the merchant to merely ship a package with a postmark. I paid them to truly deliver the exact items specified in new condition, good quality and on time at a safe drop location in a strong, secure, and untampered box to my house, and not my neighbors house. 

Consumers pay in advance because they trust the merchant/vendor and the credit card. There is a consumer contract in place with 2 sides. As with any contract, both sides must follow through on promises. This is not the case with the XXXX XXXX purchase transaction. I made a payment for an item that I never received from the merchant. There are countless reasons and possibilities as for why, and a comprehensive investigation consider all possibilities. It is possible that a XXXX XXXX employee never put the pants in the bag and is completely responsible for the mistake or theft. 

Case Number : XXXX Merchant Name : SP * XXXX XXXX  Dispute Amount : {$89.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Reporting company used your report improperly

Complaint:
I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XX/XX/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 2018-06-04
Company: GENTRY FINANCE CORPORATION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was told my pay off was XXXX I missed 1 payment since they relocated out of the city I am live and you cant pay over the phone, I had some serious medical come up .. anyway when I went in XX/XX/XXXX they said I now owe {$640.00} .. I tried talking to them, the lady was very rude and said its too late we sent it to an attorney so you can make a payment but it wont help you.. 
however what really upsets me and I think is against the law is that I sent someone over the next week to make another payment, they disclosed to him that I was delinquent on my account and also gave him my balance..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX {$510.00} DISPUTED LETTERS SEVERAL TIMES XXXX {$860.00} DISPUTED LETTERS SEVERAL TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have attempted 3 times to close my XXXX  credit card issued by First Financial Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ). After 2 requests to close this account, I called on XX/XX/XXXXXXXX  and spoke with a representative named XXXX, who provided me with a confirmation number indicating that my account was closed. I received mail in XXXX XXXX  suggesting that this account was still open, at which time I called and was informed that the account is still open. I informed the representative XXXX XXXX XXXX representative # XXXX ) that I have tried to close this account many times and that keeping an account open after a customer requests that it be closed is a predatory practice. XXXX verbally confirmed that the account was closed, however, I received this same verbal confirmation during my prior calls. He was unable to provide me any written confirmation that the account had been closed, which I requested. He attempted to transfer me to an " account specialist '', however, this transfer simply took me back to the general call center queue. I continued to try to reach a specialist or supervisor and have been unable to do so.

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 2022-06-13
Company: EQUIFAX, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried disputing the item/asking for verification but I received nothing and no information. I dont have any information about this company except they recently added a false collection to my credit report for an account Ive never had before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
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: Personal information incorrect

Complaint:
While reviewing my Equifax report, i realized that Equifax deleted addresses that weren't mine but added them back without notice or reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
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: Account information incorrect

Complaint:
The Experian website does not have the ability to submit a complaint to Experian when a consumer has a dispute on its credit report. Additionally, when you go to their website, they do NOT have a helpdesk number to call. Also, their phone number ( XXXX only offers 2 options. The first option is questions on Security Freeze and option 2 is questions on ordering a Credit Report. There is absolutely NO OTHER OPTIONS Given. 
Experian can not be EVASIVE to the consumer. Here is my problem. I went to my Experian Credit Report and saw that there are errors in my credit report. I therefore click on the " Start a Dispute '' button and it opens a blank window. I clicked on several of these buttons, but they only open up a blank window. And as I said earlier, there is ASOLUTELY NO HELP BUTTON, NO HELPDESK BUTTON, AND WHEN YOU CALL THEM, THEIR RECORDING HAS ABSOLUTELY NO OPTION TO REACH SOMEONE TO SPEAK TO. IN FACT, THERE IS NO OPTION AVAILABLE TO SPEAK TO SOMEONE AT EXPERIAN. ALL THE OPTIONS ONLY LEAD YOU TO A RECORDING. THIS IS ABSOLUTELY UNACCEPTABLE!!! I want Experian to allow consumers to access an agent to resolve these issues. I want then to add to their main line an option to allow consumers top speak to a Live Agent. I also want this Option on their website. The way it is right now, there IS ABSOLUTELY NO METHOD AVAILABLE TO RESOLVE THIS ISSUE!!!

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 2017-10-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am sure that I am not the only person having this problem. Soon after the Equifax data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like Equifax, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a 15Y conventional mortgage with KeyBank. I requested all documents go to my address on file ( prior home ) and not the new home. I confirmed this with my mortgage banker, XXXX XXXX. We never received a statement to may the first payment in XXXX. XXXX. XXXX  was able to get it and email me a copy. Two weeks into XXXX, I still had received no documentation from KeyBank since closing. I contacted XXXX. XXXX again and he asked me to call the XXXX number and as this is the job of the folks at that number. I did so and spent 45 min on the phone trying to get things sorted out. As of today, XX/XX/XXXX, I have received a paper address change form with no return information explicitly stated on it nor a return envelope and no further paperwork. I called again this XXXX and was told that they " always '' send the paper confirmation and that is why the previous person did not tell me it was coming. They blamed me on more than one occasion, stating that the problem must be that my mail forwarding is the problem. My mail was not forwarded untilXX/XX/XXXX. Two different people have no idea why, I am not receiving anything. The only answer today, was to transfer me to the online bank dept to enroll and pull up my statements electronically. I have been trying to accomplish this for a month already and it always tells me it can not confirm my account. I was able to create an online profile this, but the person on the phone failed to verify my ID using " public record '' questions and told me he could not longer help me and I could call back or go into a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Automated Accounts Management Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
AAMS ACCOUNT NUMBER XXXX BALANCE OF XXXX THIS DEBT IS NOT MINE. I DONT OWE AAMS ANYTHING

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.

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 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I file a dispute with XXXX, XXXX and XXXX and its has been well over 30 days and I havent receive any investigation results.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
USDOE/XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-13
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX AND XXXX ARE NOT FIXING AN EXISTING ISSUE WITH MY REPORTS. I KEEP DISPUTING A MEDICAL COLLECTIONS ACCOUNT THAT IS NOT MINE AND IS ALSO MEDICAL. MEDICAL ACCOUNTS AREN'T SUPPOSED TO BE REPORTED SINCE THE PANDEMIC. 

XXXX XXXX NEEDS TO BE REMOVED OFF OF MY REPORTS. MY SCORES DROPPED XXXX POINTS AND I AM TRYING TO BUY A HOME WHICH THAT RUINED MY CHANCES. THE ACCOUNT BELONGS TO A RELATIVE. 


DELETE!!!!! 

I AM ALSO A XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX AND EXPERIAN ARE NOT FIXING AN EXISTING ISSUE WITH MY REPORTS. I KEEP DISPUTING A XXXX  COLLECTIONS ACCOUNT THAT IS NOT MINE AND IS ALSO XXXX XXXX ACCOUNTS AREN'T SUPPOSED TO BE REPORTED SINCE THE PANDEMIC. 

XXXX XXXX  NEEDS TO BE REMOVED OFF OF MY REPORTS. MY SCORES DROPPED XXXX POINTS AND I AM TRYING TO BUY A HOME WHICH THAT RUINED MY CHANCES. THE ACCOUNT BELONGS TO A RELATIVE. 


DELETE!!!!! 

I AM ALSO A VETERAN IN 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