BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Acct : XXXX XXXX account nubmer : XXXX I have contacted XXXX numerous times about the amount I own them and this still have not been resolved and has not been turned over to a collection agency. I had their internet service a total of 5 days, at the time of installation, the tech only installed internet service, I subscribe for TV service as well, the tech told me he didn't have the boxes for tv service. So I called XXXX  and they said the only time they could come out to install the TV service was 2 weeks later. I then called XXXX XXXX XXXX  and they were out 2 days later to install my internet service, that same day I called XXXX and canceled my internet service and canceled the TV service install, I shipped back the internet modem and wifi extender to their corporate office. I then contacted XXXX several more times because in the system it showed I still had TV service, I asked them about this and they said the bill would be corrected with the 1st bill. When I got the bill it was still showing {$120.00}, I think called XXXX back and they kept telling me they could not help me because I was disconnected for non-pay, I explained to them I couldn't be disconnected for non-pay because I canceled the service 5  days after, only the internet was installed. A supervisor called me back and I went over me only having internet service install and that the TV service was never installed, as well as if I had had TV service installed there should be Serial numbers of the boxes in their system, which they do not have in their system, yet I'll say this once again I've never had their TV service. I have never received a corrected bull which XXXX said I would get, instead I get the collection notice from cfpb. I will not pay for something I never received, all of my interaction should be recored in the notes and on a recored line with XXXX. If anything I own for at best a month of internet service which should be anymore then {$30.00} or {$40.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: C/C Financial
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The Preferred Lease with account number XXXX appears to be a charge-off account with a specific balance of {$4400.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported in XXXX, XXXX and XXXX Bureaus. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
- I had a checking account and savings account from XXXX  Bank. Sometime in XXXX, XXXX  announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. 
- I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank . The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. 
- When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. 
- I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I did not receive any communication of this debt and if it was a true debt, did not receive the opportunity to resolve the matter. I never once receive a letter/bill to reflect what this is for. I only found out as it was reported on my credit report as a 'collection '' on XXXX XXXX. When I called FBCS on XXXX/XXXX/XXXX, I was told it was for services provided on XXXX/XXXX/XXXX. I called XXXX, which was my insurance provider at the time, and they do not show any claims submitted for that date or even for a range that they searched for. I asked FBCS to send me 'proof ' to see what this medical bill was for and they have not sent me anything and keep telling to just pay off the account without justifying the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX I filed disputes to all 3 credit bureaus. EXPERIAN, XXXX AND XXXX. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.

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 2022-06-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please 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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I disputed my Transunion credit report for my installment loan from XXXX XXXX that was paid off on XX/XX/XXXX. In early XX/XX/XXXX my loan was updated to a paid status & XXXX loan balance. On XX/XX/XXXX, I received an update from Transunion that my previous dispute was resolved. However, Transunion changed the account status back to open and with a loan balance. I tried to dispute this again online and it said it required manual processing. I call them on XX/XX/XXXX and they said they could n't help because another dispute is in process. They would not except my explanation and said to call the creditor. I previously spoke with the creditor and they said they sent Transunion a paid loan status & XXXX balance on XX/XX/XXXX. A  copy of the information will be provided in my submission.

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 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My complaint is regarding a dispute pertaining to a erroneous, inaccurate alledged bankruptcy on my Trans Union Credit Report. Trans Union report # XXXX dated XX/XX/2016. After receiving notice that the alledged bankruptcy dispute was verified, I requested the Method of Verification. The Fair Credit Reporting Act 611 ( A ) ( 6 ) ( iii ) states that upon request you must provide me with a description of the procedure used to determine the accuracy and completeness of the information. This includes but is not limited to the business name and address of the furnisher of the information and telephone number of such furnisher. I submitted via certified mail article # XXXX XXXX XXXX. XXXX XXXX and it was received by Trans Union on XXXX XXXX 2016. This can be XXXXXXXXXXXX 24 Hours. Additionally, Trans Union continues to blatantly disregard my request for the Method of Verification. Let me forewarn CFPB Trans Union will fail to mention in their reply the person who they spoke with, telephone number or give any description of the procedure used to verify this bankruptcy. I spoke with the court who states they were never contacted regarding this matter so why would T
rans Union state such? Trans Union will fail to mention that they have failed to comply with providing the Method of Verification within 15 days as required under the Fair Credit Reporting Act. I want the MOV or this inaccurate, injurious,  erroneous bankruptcy removed immediately from my Trans Union credit report. I would like to Thank the CFPB sincerely in advance for its time and effort in this matter.

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: DC
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 recently received a copy of my Equifax, XXXX and XXXX consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX BANK ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report show in accuracies of late payment from XXXX loan servicing from XXXX XX/XX/19 I have never been late I have reached out to dispute these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed an account on my credit report that is not my account. XXXX ... XXXX XX/XX/2004

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 2017-07-20
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.

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 2022-01-30
Company: Experian Information Solutions Inc.
State: DC
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 recently received a copy of my XXXX, Experian and XXXX consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX BANK ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer 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 explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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:
As of XX/XX/XXXX I have been disputing with Equifax via certified mail for the last year or so about a reporting error that needs to be corrected, Yet EQUIFAX always comes back and says that the account was verified as accurate. XXXX XXXX XXXX  Account number XXXX XXXX continues to report that it is 90 days past due for XX/XX/XXXX. This can not be humanly possible seeing that the previous month XX/XX/XXXX was reported as paid on time yet, XX/XX/XXXX, and XX/XX/XXXX have missing data. I have mailed in dispute letters with a copy of my drivers license and a actual print out of the actual credit report where the error is being reported, Yet month after after month I always get the same result without any real investigation taking place. This has caused a great deal of stress to me because it's clear as day that this account is being reported inaccurately! Equifax has violated FCRA 15 U.S.C SEC 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. I have attached proof for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
THESE ACCOUNT DO NOT BELONG TO ME 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXXXXXX XXXX XXXXXXXX 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 an 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 explanation
Consumer complaint received 2021-06-16
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:
There are multiple student loans on my credit report that do not belong to me I have not opened these I have not been a studernt for many years and I have not used any of these I need them off my credit report since they belkong to someone else please help. 

Account Name : XXXX  Account Number : XXXX XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified 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 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have victim of fraud from these company XXXX XXXX  # XXXX .... 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK OF AMERICA # XXXX XXXX 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 explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have tried to send messages, have had multiple long attempts on the phone, and talking to Equifax people, I Still can not get logged in to make disputes with them on my credit report. I have done XXXX  Report on equifax and have heard nothing back.

Company response to consumer: Closed with explanation