BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: TX
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:
It 's been well over a year now, and I 'm still battling with Equifax to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

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: Personal information incorrect

Complaint:
I've sent letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with NO response or change to the inaccurate 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 non-monetary relief
Consumer complaint received 2019-08-01
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Did not provide enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract but have been met with the same verified as accurate response without the documentation that I requested, continuing to damage my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Old information reappears or never goes away

Complaint:
In XXXX, a company called XXXX XXXX XXXX allegedly purchased a debt I supposedly originally owed to XXXX XXXX. I have continued to dispute ever owing this charge. In XXXX, I formally disputed it with all 3 credit bureaus and it was removed from all but Experian. They sent me a formal report ( attached ) stating that the tradeline for XXXX XXXX would be removed in XX/XX/XXXX. I have included a copy of the report from Experian ( please see page XX/XX/XXXX ). In XX/XX/XXXX, I contacted Experian directly and was told the tradeline would be officially removed XX/XX/XXXX. I called on XX/XX/XXXX and was told that the date could potentially be moved to XX/XX/XXXX. The law states that the tradeline can only stay on the report for a maximum of 7 years from the initial default date of the ORIGINAL debt. XXXX XXXX is showing XXXX as the last payment received which already makes it 8+ yrs old.

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 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am filing this complaint to accompany the complaint I 've filed with the fdic. Bank of America has denied a claim I disputed in regards to a restaurant purchase in which I was displeased with service, treated rudely with my family and did not receive all the product I paid for. Bank of America has made an impossible demand for me to provide documentation that I did not receive all the products i ordered even though I posted a negative review of the restaurant immediately after the visit. Furthermore bank of America has reversed a provisional credit to my account and is now charging me overdraft and insufficient funds fees. On XXXX XXXX 2017, I called in to file yet another dispute in which a credit was issued and was lie to by a bank representative in the dispute department that the XXXX was added back to my account and that after both provisional credits were applied that I actually would have a XXXX balance. This is also in direct contradiction to a letter mailed to me that the funds were to be reversed on the XXXX of the month not the XXXX. This is just added to the constant ongoing issues I have had with bank of America. I have also had to file the second dispute because a charge was made to my account on a day I did not authorize. I have since then closed my debit card with bank of America for my checking account and did not order another since they have failed to honor disputed transactions.

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 2022-09-08
Company: National Credit Adjusters, LLC
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
the original creditor according to my XXXX  credit report is XXXXXXXX XXXX- which i had fraudulent activity immediately on my account after applying online to this " payday loan '' i had to report and investigate it with my bank account. my bank investigated and for my safety closed my account and reopened a new one. 
National Credit Adjuster LLC bought this debt and refuses to resolve the fraudulent activity and marketing XXXX XXXX caused on my account. I have disputed this on my XXXX credit report with no luck of any resolution. 

original amount is XXXX opened on XX/XX/2019 account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened my credit card with Bank of America in XXXX of XXXX. I made a payment over the phone with rep. in XXXX and gave her my account information. In XXXX, I made an automated payment, however, the payment did not go through because Bank of America 's system had retained and was using my closed bank account detail from XXXX. I had not had an active account with Bank of America since XXXX ( over 14 years ) and they have been retaining my detail and as a result, charged my payment to the incorrect account and then suspended my ability to pay my bills as a result. I am not aware of Bank of America making any attempt to let me know this occurred, unless they did so by contacting my email or phone from my XXXX, rather than the email and phone I would have given them at the time that I opened the account in XXXX of XXXX. 

When I contacted the credit card company, they told me it was my responsibility to apparently know this was their business practice and update this detail that I wasn't even aware was still in their system. 

Had I not attempted to set up online bill pay and instead waited until it was time to make my payment, my payment would have been late and reported to my credit.

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 2017-06-20
Company: WELLS FARGO & COMPANY
State: TX
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 Wells Fargo keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding Wells Fargo dealer services. The account and car was charged off over 3 years ago. And we have already been through this process with Wells Fargo and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. XXXX call center is in the a different country and we ca n't get anywhere with them. This Wells Fargo needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough

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 2022-03-12
Company: Experian Information Solutions 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 ask all three credit bureaus XXXXExperian to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 1. XXXX XXXX XXXX. XXXX XXXX. TXXXXt 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXXr 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the XXXX credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.

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 2022-03-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I ask all three credit bureaus XXXX/Equifax/XXXXn to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8XXXX XXXX XXXX XXXX 1. XXXX XXXXl 2. XXXX XXXX. XXXX  4. XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the three credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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:
Hello, I reviewed A copy of my credit report and it shows a direct violation of the FDCPA if a charge off or collection account is reported with a balance. This account shows a balance of XXXX as of XX/XX/2021 2021

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 2021-09-25
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMMONWEALTH FINANCE Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX reported age of this account is 4 months and the open balance shows {$2000.00}. 

On my credit report I pulled up this inquiry for the above information and I have never hear or have any knowledge of what this would be and why. 

I have no records of ever receiving a notification via by mail or email nothing with this inquiry information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions 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:
I just received today once again the same resposne from Experian.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. Neither EXPERIAN nor XXXX XXXX provided any proof whatsoever. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that Experian or XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Provide me with copies of any papers that show I agreed to pay what you say I owe ;

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: EQUIFAX, INC.
State: TX
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 XXXX keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding XXXX XXXX XXXX XXXX. The account and car was charged off over 3 years ago. And we have already been through this process with XXXX XXXX and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. Equifax call center is in the a different country and we ca n't get anywhere with them. This XXXX XXXX needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: Northstar Location Services, LLC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NorthStar Location Services , LLC is reporting on my credit report for XXXX. I 've contacted NorthStar and ask for the original indebtedness of said account to no avail. NorthStar has sent me account activity information and a break down of the amount. This is against the law for this company to continue to report false information on my credit report according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Choice Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed a collection placed on my credit report from Choice Recovery/XXXX XXXX XXXX ( now XXXX ). I sent several letters to their collection company, but they never replied to my letters. I was concerned that this was a potential identity theft related file since my identity was stolen multiple times over the years. I was able to finally confirm that was not the case. I have sent several emails to the Office Manager at XXXX XXXX XXXX XXXX but only received one response with a copy of a bill. I also copied several corporate office employees on my emails to her. They are ignoring my requests. I do not think the bill is accurate, since I had insurance and normally paid through my flexible spending account, any copays, deductibles etc. I called their collection agency today and was told that this account was closed and that they are not actively collecting since it is past the statute of limitations. He advised me to pay it if I wanted to. I let him know that I was disputing the amounts. He stated that he did not have any information to send me. I have several questions. If their collection agency has closed the account, they are not actively collecting and it is past the statute of limitations, then why is this still on my report? I am now questioning if XXXX has the correcting information on file as to when this account was delinquent and why is it still reporting. I also am concerned that their collection agency is familiar with my health information. I do not recall providing any authorization for their collection agency to have access to my health information ( per HIPPA ). This account needs to be resolved ASAP. I am trying to do research related to this, but XXXX, nor their collection agency are very helpful. I have offered to do a potential settlement on this since it is so old and I do not know how long it will take to research. XXXX has been nonresponsive. I need to get this resolved ASAP, as I need to get a medical procedure done and will need to get financing to get it done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a debt validation letter this company has failed to validate the debt. Please delete this information from my credit report and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: DISCOVER BANK
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX/XXXX/2017, I discovered an XXXX charge on Discover online statement for a membership. XXXX had contacted me for months stating that the credit card on my account with them was no good. But, I did not sign up for any membership. And, since they do not have my credit card number to charge to, I did not bother to respond to their emails. Out of my surprise, XXXX was able to charge on my Discover credit card. Here 's my problem with Discover -- why would Discover give XXXX my credit card number? I did not give authorization for XXXX to charge my credit card. In fact, they did not have my credit card. But, Discover gave it to them and let them charge me. Discover should not have approved the charges. It was not an authorized charge. XXXX had this marketing tactic that was forced onto me. I called Discover and asked them to freeze my account so that no one can charge, but the representative did not do that. The representative asked me to call XXXX -- to find their phone number and try to settle it with them. I should not have to do anything if Discover did not share my credit card number with XXXX.

Company response to consumer: Closed with explanation