BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XX/XX/2020, I was contacted by PFC, Professional Finance Company about a bill for a medical service. I went through the process to pay the debt, however, when they continually asked for my private information ( last 4 of social, address, etc ), I turned them down to process the payment because it seemed as though there was a possibility it was fraudulent. The representative told me that in order to process the payment, she needed my identity information. I told her no. 
I went and paid the original entity the amount due. 
PFC processed my payment on my credit card anyhow, without my final authorization. So now I have paid this debt twice. When I contacted them to tell them that they processed payment without authorization, they told me that they could send me a check in 1-2 weeks and could not electronically reverse the payment. After many  complaints, and them listening to the recording, they overnighted me a check for the payment. During all of this they were very aware of the fact that I had already made the payment to the original entity. I have offered to them several times the authorization code and transaction number of the payment made directly to the original entity.

Today, 3 months later, I get another call that I still owe this money. When I explained to the rep that it was paid, and offered the payment information again, she proceeded to tell me that I had to email them the payment proof from my bank. My online banking will not go back that far. I have the printed authorization showing it was paid, yet the rep yelled at me and then hung up telling me it was " still in collections ''. The fact that they hung up on me when I was explaining my position is infuriating. 

They are a disaster, yet affecting our credit. Why they can't get with their client to correct this is beyond me. XXXX should take the burden of keeping accurate files and should not be able to run such a disorganized business.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: PA
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:
Experian. They did not fix security loopholes which they were notified of, and their negligence breached the privacy of 145 million Americans. They then knew about this, and did not notify the at-risk consumers for 6 weeks!

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 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I am disputing charges related to my purchase made with XXXX XXXX XXXX using my Capital One Mastercard. There was an authorized charge that was made on credit card in the amount of {$700.00} ( original purchase made in the amount of XXXX XXXX ) billed on XX/XX/ 2019. I am not disputing this charge as the purchase receipt contains my signature ( see attachment ). And this charge was settled with Capital One. 

There was an additional charge of {$650.00} from the same merchant -- XXXX XXXX XXXX, on XXXX XXXX, 2019. This is an unauthorized charge to which I did not agree. The receipt provided by the merchant is not signed by me see attached receipt. I have reported this charge to Capital One requesting that it be removed from my account. Capital One has declined to remove these charges from my account. They have never explained to me why I should have to pay for a charge that I never signed off on. Instead, they require that I provide the following documents to settle my case : 1 ) Purchase agreement 2 ) Cancellation policy 3 ) Refund voucher. 

This is not a reasonable request, as these charges have not been authorized by me, and therefore have no associated purchase agreement, cancellation policy or a refund voucher. 

I request that the original charge of {$650.00} and the resulting interest charges be removed from my account. I have been in regular contact with Capital One since XX/XX/ 2019, and have been unable to settle this dispute. 

I am attaching a copy of my original statement showing authorized and unauthorized charges from this merchant, along with a receipt for authorized charges, and a receipt for unauthorized charges. 

I look forward to the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX account # XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I notice my address listed on my credit report is incorrect because I have never lived there. I called the credit reporting company and was informed that the address was reported by XXXX XXXX XXXX XXXX, which is by XXXX XXXX. 
I contacted XXXX XXXXXXXX XXXX XXXX Live chat and talked to XXXX XXXX on XX/XX/17, and he promised the incorrect address will be removed from my credit report within 30 days. I follow up with my credit report on XX/XX/17 and the incorrect address is still there. I contacted XXXX XXXXXXXX XXXX XXXXXXXX again and was transferred to XXXXXXXX XXXX XXXX Account Manager, XXXX ( ID # XXXX ), and she could n't promise she would solve this issue. XXXX transferred my call to another Account Manager, XXXX ( ID # XXXX ), and she said my complaint was childish and she could n't promise she would solve this issue. XXXX transferred my call to XXXX XXXX 's voicemail so I left a message and asked him to call me back. He never call me back to address this issue. XXXX XXXX XXXX customer service is very poor. Their managers do not listen to the complaint, can not provide solutions, and are not professional. Instead, their managers are rude, argumentative, and just pass the problem to the next person. 
Per the Account Managers, XXXXXXXX XXXX report the incorrect address to my credit report even though the address was not update nor provide by me. XXXXXXXX XXXX can not prove this is not a clerical error and refuses to contact the credit report companies to admit the mistake so the incorrect address can be totally erase from my credit record.

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 2019-11-22
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I enrolled with freedom debt relief hoping I could be debt free within a year and purchase a home. My American Dream, well I enrolled with the company 6 months ago paying XXXX a month estimate including hidden charges I wasnt aware of. Not one of my 6 accounts wherein the 6 months there was zero settlements. Before Freedom Debt I had zero late payment and a good credit score around XXXX. Now my score is terrible with more debt and facing bankruptcy. Now I caught new they are facing a class-action lawsuit. I need help recently wrongly terminated and retaliation on at my employment further comprising my status. I have finally received unemployment because won my appeal. But all the money just goes straight to child support and everything I am behind on. I know this is a lot and I can go into details but you get the idea! I am caught in the system of never ever reaching my American Dream is now gone in the wind.. Thank you please help me! SINCERELY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency has a legal responsibility to provide information to verify this debt so as is my right to be furnished, I demand all the original contract, terms and entire payment history as well as the proof of bond agreement and XXXX as well as a letter of assignment on this account from date of opening or it is not in compliance to FCRA XXXX XXXX XXXX XXXX and is to be deleted immediately According to the FDCPA, I have a legal right to cease and desist and I am exercising that right now which also calls for the account to be deleted from the reports as otherwise it is an attempt to collect on the debt and a violation of my legal rights. 
This account is also dated more that XXXX XXXX XXXX and therefore even being on my credit report at this point is a violation that I will be bringing to the attention of the proper authorities as well.

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 2023-04-03
Company: EQUIFAX, INC.
State: PA
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:
Requests sent on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to complete full investigations on all accounts & if they could not complete to delete the accounts from the credit report. To date all accounts are still reporting as a full investigation was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ONE BANK USA N {$2000.00} Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Credit Card IVE previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OR
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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A 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 account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 2022-06-11
Company: Experian Information Solutions Inc.
State: PA
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  account : XXXX XXXX XXXX XXXX - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2XXXX XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.

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 2017-10-18
Company: Experian Information Solutions 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:
XXXX XXXX experian, XXXX breach have ruined me please have them remove the inaccurate accounts

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 2020-08-19
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. My documents were submitted on XX/XX/2020 and received a week later and I have those records ... .no alert was even put on my credit file and all 3 bureaus continue to report the fraudulent accounts and is damaging my financial future!

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX  XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}

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 2022-06-11
Company: EQUIFAX, INC.
State: CA
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 mailed a letter that was dated XX/XX/2022 responding that these accounts were verified as accurate. I received a phone call on XX/XX/2022 from a representative by the name of XXXX, who attested that the accounts referenced ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) could NOT be verified. I asked XXXX, how are they able to report this information, if it could not be verified. She then told me that I needed to call back and have a fraud dispute put in. At XXXX XXXX pst on XX/XX/2022, I contacted Equifax to make them aware of what was brought to my attention. Two representatives informed me that I needed to file an identity theft report, which was completed via the CFPB. According to the CFPB in accordance with 15 USC 1681a ( q ) ( 4 ). ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ... Multiple reports has been filed with the CFPB in regards to this fraudulent information. On XX/XX/2022, another dispute was put in, for the information not belonging to me. I spoke with a representative by the name of XXXX, who provided me with this reference number ( XXXX ) for the dispute. I asked XXXX to provided me with details of who verified these allegations. XXXX confirmed that is was a computer that did the verification and not an actual person to verify, which violates Section 603 of the FCRA on the process and method of verification to investigate the consumer report. An identity theft report for the misuse and abuse of my personal information has been filed with the FTC -- Report XXXX. I would also like to note that Equifax has confirmed that everything on my report has been verified and reported as 100 % accurate. That in fact is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ive been blocked by XXXX due to fraud and or 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 explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion stated in their response to my complaint with CFPB and in a letter I received on XX/XX/XXXX from Transunion dated XX/XX/XXXX in response to my original dispute of XX/XX/XXXX, that the status ( as open ) and balances ( over {$100000.00} with the 10 students loans ) with XXXX in my credit report are accurate. In their letter they also stated that the documentation I provided did not meet their standards. Transunion also stated in their response to CFPB that their computer/internet system was " temporarily unavalible. '' First, it is impossible that XXXX could report that I still have open student loan accounts with them and with the balances reported. All my student loans were paid off and transferred to XXXX XXXX on XX/XX/XXXX ( and subsequently transferred again to XXXX ) as demonstrated in the XXXX XXXX XXXX Summary and Verification enclosed and the screen shot from my XXXX account. I am providing the official XXXX XXXX statement stating that the loans were transferred, the status is close and the balance is {$0.00} for all my student accounts. How is it possible that such document does not meet the " standards '' of Transunion? 

Second, I tried again today, XX/XX/XXXX to re-enter my dispute about the XXXX student loans into the Transunion website and after I finished entering the info and the supporting documents I received the same message than one week ago : " Dispute Temporarily Unavailable. '' I have enclosed the screen shot of the message of today.

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