BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-25
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A company called XXXX XXXX called my home number approx. XXXX weeks ago stating " XXXX XXXX asked them to collect a ( fraudulent ) delinquent collection of about {$150.00} from something I bought at a XXXX store in XX/XX/XXXX ''. I told them I pay my cell phone bill in full, there is nothing ever on there indicating anything purchased at a XXXX store in XXXX. Can not remember last time I was in a XXXX store. And they asked if my new address was XXXX XXXX. I told them I continue living in the house I bought XXXX years ago at XXXX XXXX. My address has not changed, so whomever account resides at XXXX XXXX is not me. Told them I 'll get in touch with them within XXXX week. They said they 'd wait XXXX week. XXXX days later they were again calling multiple times each day. Within a week I sent them a letter requesting confirmation of " such transaction and the XXXX months verification billing statement XXXX claims they sent me ''. Which I never received, because I never went to XXXX to buy anything. I get a letter from Experian saying " we 're contacting you on your new address. '' When I downloaded my credit report I find - even with the {$30.00} I paid them for a security freeze to protect me from fraud - Experian let XXXX apply a fraudulent new address to my name. I tried contacting Experian on all XXXX available XXXX numbers, but its a loop of never ending extensions that no person ever picks up. I tried putting in my credit card number to see if my credit score changed, and they blocked me saying I have to contact them with multiple proofs of identity by mail with a personal check. I went to their Victim Fraud page, click their hypertext link for " U.S. Postal Services Website Government Services '' which leads me to " USPS Links : File or Page Request Not Existent ''. I called the Experian number for " Immediate access to or fraud resolution professionals '' and it did not connect to anyone. 
It appears their claim to protect consumers paying for a {$30.00} Security Freeze only freezes out the consumer who paid for the service, while fraudulent companies are permitted to post any fraudulent collection data, and illegally change my address with no contact on any of this from Experian until After The Fact, leaving the consumer to clean up the fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.

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 2016-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX XXXX is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: National Auto Lenders, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX 2016 National Auto Lenders repossessing a vehicle or fraudulent fraudulently I have recently found out through a copy of my title history report that they still own that vehicle they sent me a fraudulent deficiency balance notice saying that they sold that car so that 's how to prove that they never sold the vehicle and I want it removed from my credit report XXXX and XXXX has already removed it with information that I have sent only XXXX will not remove it with the information that I sent I am seeking you any type of monetary value that I can get from this fraudulent case but right now I just want them to remove it from my XXXX credit report I am uploading a copy of the title 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 non-monetary relief
Consumer complaint received 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In late XXXX my debit card from Bank of America was used and XXXX $ was stolen off it and in early XXXX my debit card from Bank of America was stolen and XXXX $ was taken out my account now both times I called the bank and filed a claim they recently got back to me and denied my claim saying I stole my own money. On XX/XX/XXXX they took the credit they gave me and also took money I had in my account which now i have a XXXX $ in my checking account. Before they took the temporary credit I had faxed them a written statement explaining the claims and stating that I didnt steal my own money they said they didnt get them so I faxed the same papers 3 more times and they still say they havent received them and that its nothing they can do for me expect try and make me pay the negative balance which Im not go do since Im not liable for the fraud that took place on my account

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 2020-05-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
VS CARD XXXX XXXX XXXX XXXX Comenity Bank/ Victoria Secret Credit Card which I have in writing. If a credit increase is granted you DO NOT HAVE MY PERMISSION TO DO A HARD PULL. ONLY A SOFT PULL OR I DO NOT WANT THE INCREASE. I HAVE my full credit avaialable which is {$700.00} I was on the phone for 3 hours with Comenity bank and I spoke to 12 different people. 

XXXX ID number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I WILL BE CLOSING THE ACCOUNT ONCE I RETURN EVERY ITEM I PURCHASED BACK TO THE VS STORE. 

I WANT THE INQUIRY REMOVED ON MY XXXX  ACCOUNT. 

I HAVE PROOF CLEARLY IN WRITING NOT TO PULL MY CREDIT AND ONLY GAVE PERMISSION TO DO A SOFT PULL. WHY WOULD I HAVE AN INQUIRY FOR TWO YEARS WHEN I STILL HAVE OVER {$600.00} AVAILABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I called a representative kindly agreed to have this late payment removed from my account now that. It has been paid in full and I have since been on time with all recent payments.

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 2020-06-17
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: Personal information incorrect

Complaint:
IVE RECENTLY CHECKED MY CREDIT PROFILE AND NOTICED THAT SOME OLD UNVERIFIABLE ADDRESSES HAVE BEEN REINSURTED ON MY CREDIT REPORT WHICH IS HURTING ME BADLY BY CONSTANTLY REPORTING THIS. ITS BEEN 30 DAYS NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: RevSolve, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX and XX/XX/XXXX my hospital submitted charges for services performed by an XXXX, resulting in insurance paying as out-of-network. Hospital has been repeatedly billing me for the portion which which would have been paid by insurance if claim had been submitted properly. 
I personally visited hospital billing office, made phone calls and sent them a letter advising of dispute. At XXXX point they said they would stop billing for those charges but they recently resumed and then turned the charges over to a collection agency. 
Last week ( XX/XX/XXXX ) I received a call from the collection agency. I tried to inform the caller that those were disputed charges for physician services being charged by a hospital, but he interrupted me shouting that we had discussed this before and the billing was for hospital charges not physician services. His statements were not true. We had not discussed it before, and the charges are for physician services. 
I called the hospital customer service number and after placing me on hold while consulting with billing, they told me that XXXX of the charges should not have been submitted to the collection company and they were withdrawing that XXXX for now but may re-submit it at a later date. The other charge remains with the collection agency. I have advised the collection agency in writing that the charges are disputed. 
I have paid all of my legal obligations to that hospital. The only charges I refuse to pay are the ones that resulted from them billing incorrectly for physician services, resulting in insurance not paying as in-network. 
I was being treated there last year for XXXX and am now being treated elsewhere. The incessant billing, and now the abusive phone collection attempt, is increasing unmanageable stress to a level that I believe is harmful to my health and is interfering with my recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to Experian I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.

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 2016-07-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a dispute to Experian XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.

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 2022-07-23
Company: EQUIFAX, INC.
State: RI
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 these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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.

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 2019-12-22
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Repayment on my private student loan with Navient was supposed to start repayment on XX/XX/2009 ( date found on Navient current website ) but I never received any notice that it was in repayment until after it was in default. The only way I found out that it was in default was through my credit report. I received no letters, phone calls, emails, nothing and neither did my co signer. On a {$15000.00} loan, I now owe {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing. In  XXXX  of   XXXX   XXXX   I was denied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in   XXXX   XXXX  . Still no notification at this time nor to this date (   XXXX   XXXX   ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til   XXXX   XXXX  , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!

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 2020-06-17
Company: Bread Financial Holdings, 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:
On XX/XX/2020 I disputed with XXXX  to remove a comenity capital bank account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with comenity and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I called on XXXX XXXX, 2016 I called Capital One Bank to place a stop payment, they put the stop payment in and charged me a {$35.00} stop payment fee for XXXX XXXX in the amount of {$140.00}. When I check my account on XXXX XXXX, 2016 I saw that the transaction was pending in my account, I spoke with a manager by the name of XXXX who assured me that the transaction will reject at processing and my funds will be available in the morning. When I checked my account on XXXX XXXX, 2016 the transaction posted to the account and I was charged a {$35.00} overdraft fee. I called and spoke with a manager and she told me that the transaction had to post and that the funds will be available Tuesday because of the holiday. I explained to her that I was told something different. I hung the phone up called back and spoke with a manager by the name of XXXX who told me that the transaction should have stopped and I have to speak with someone in claims to file a claim. She then transferred me to claims and I spoke with XXXX who told me that it would take 10 business days for the money to go back in my account after they complete their investigation. I explained to her that, that was unacceptable I had no money and I should not be inconvenienced because Capital one made an error, I then spoke with her Supervisor who in turn said that I would have to wait 10 business days. I then asked for the number to the office and he got me back over to XXXX who said that she took down my information but it was nothing they could do about getting my funds back sooner. This is the second time that this has happened with Capital one Bank, it 's the holiday weekend and I have no money due to there negligence and they wo n't do nothing to correct their mistake. The customer has suffer and be penalized for Capital One Bank 's error

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: National Arbitration Forum
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A person named XXXX XXXX from ph # XXXX called my mother 's ph # repeatedly ( even though she has told them I do not live there ) alleging she is an investigator sending someone out to my place of residence to serve me with legal documents. She also stated if I am unavailable they will come to my place of work. I have previously received a call like this and contacted the state and county courts to make sure. I had no pending cases against me. Still do n't. I once called them back and they stated to avoid a warrant for my arrest I have to pay {$400.00} by means of a prepaid debit card. They would accept nothing else. They said it was for a payday loan left unpaid. I called the payday loan people and no one could find my debt. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Netspend Corporation
State: NV
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
well, i cash my income tex check with XXXX XXXX in 2008 i put the sum of XXXX dollars a cuple weeks after with XXXX XXXX and netspend was the card holder at that time, well i was told that the card would be sent to the address i was staying at, well i ended up moving before the card came, so i went to the place where i was staying at and talk to one of the guys who work there and he said that a card came but he sent it back to the sender where the card came from. so i went to the place where i put my money at and they told me that they didnt have any paper work on or about my money or anything showing about what or how much money i put in that i would have to talk to netspend, well i talk to netspend and they lie, d about every thing, i know what i did and how much money they owe me, and if i dont get my money real soon im going to sue them i talk to my lawyer yester day. thank you XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had cash app account with XXXX in it and they lock or took my money with no reason well it was because MI UIA got that all tooking care of but they still haven't release my money if theres anyway you can help please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: CLX Systems/ Westwood Management
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This debt collector called and was threatening, asking me repeatedly if I intended to pay a debt I know I did not incur with an Orthodontist? I have never been to an orthodontist. I told the debt collector I needed validation of the debt and he told me " blah blah blah - whatever are you paying this or not!!!!!!!!!!!!!!! '' I told him no and that he had no authority to call and threaten me at my place of employment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed