BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: NJ
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:
EXPERIAN removes and then adds collection accounts XXXX XXXX XXXX {$290.00} XXXX XXXX {$270.00} they refuse to answer any correspondence I have sent and I am unable to dispute on the website

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 2017-07-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my business ( XXXX XXXX ) bank and credit card account ( with Wells Fargo ) in XXXX 2016,  but recently I received an unsolicited XXXX XXXX credit card. I did not activate it and a few weeks ago I received a letter from Wells Fargo complaining I did not activate the credit card that I did not solicit for an account I closed in 2016!

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 2017-07-04
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1.received collection notice from Gulf Coast Collection Bureau dated XXXX/XXXX/XXXX for master account XXXX asking for payment of creditor account # XXXX service date XXXX/XXXX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX . 2. called on XX/XX/17 talked to XXXX and was instructed to send proof of payment eob to XXXXXXXXXXXX with # XXXX in the subject line. 3. called XX/XX/17 talked to XXXX who confirmed receipt of same and info had been forwarded to the client for processing. To the XXXX XXXX XXXX. Said he would call me back when the matter was cleared. 4. called XX/XX/17 talked to XXXX who told me matter is still in review, account was not cleared docs were forwarded from Gulf Coast to the XXXX XXXX XXXX on XX/XX/17 and she will attempt to escalate and call me back when the matter is cleared. <P/>1. received notice of collection from XXXX XXXX XXXX XXXX dated XX/XX/2017 for the exact same creditor account XXXX ( their account # is XXXX ) for service date XX/XX/17 {$1100.00} XXXX XXXX XXXX XXXX XXXX. 2. called talked to XXXX XX/XX/17 refused to send validation unless requested in writing, extremely belligerent/agressive and would not listen when I tried to explain that the account was placed with another agency. 3. called XX/XX/17 talked to XXXX who told me who to send proof of payment to this time : XXXXXXXXXXXX -- did that right away. 4. called back to make sure and received an email from XXXX XXXX that the account was cleared up and no balance of {$1100.00} is due. <P/>MY Question is? WHY was the account placed in duplicate after it was already paid? and WHY is it not yet cleared from one agency when it cleared quickly from the other. This is very distressing and at this point, I feel I need assistance getting resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im not producing a score, and I added a couple of tradeline on my report, and I added these trade lines a couple of months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Experian Information Solutions Inc.
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:
At the top of COVID 19, I was unemployed and looking for work. I informed XXXX XXXX that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. XXXX XXXX still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.

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 2017-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
TrustedID XXXX by Equifax The website is impossible to reach and the XXXX number posted is never open. The enrollment for credit/ID protection due to the recent hack of Equifax is difficult to navigate and the process is never ending compounded by the severe difficulty to even log in to my account. 

There is always a XXXX wait for each phase of the protection enrollment but there are very long delays due to the website to log in is always down. 

Equifax is falsely advertising that it is taking care of the 140+ million names that have been hacked but days are passing by fast without any real expeditious help from Equifax to protect us. 

Equifax management should be prosecuted for this horrible breach of consumer identity protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: NATIONWIDE ACCEPTANCE LLC
State: MO
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:
Credit inquire does not belong to me

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 2021-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Credit - Charged me XXXX as of XX/XX/XXXX. I did authorize charge and they refuse to refund. They charge and bill services that have no access to see, or cancel. 

They services charges that we have no access to see or cancel and make it very hard to contact a person.

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 2021-12-05
Company: Debt Recovery Solutions, LLC
State: AL
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 placed an inaccurate collection from XXXX XXXX on my XXXX credit report. This is not my account. I do not owe XXXX XXXX nor opened an account on XX/XX/2021. I recently started a mortgage pre-approval process. I applied with XXXX XXXX XXXX. After applying with these companies, this collection appeared on my XXXX credit report. While researching XXXX, the reviews stated this company is a scam. The collection needs to removed immediately. This is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Old information reappears or never goes away

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I asked for documentation verifying the account to be sent to me directly following my dispute. The account in question XXXX XXXX XXXX is 7 years old and is still reporting to Equifax and XXXX. I was sent a letter stating the account has been verified as accurate, but the dates are incorrect and should have been deleted at the seven-year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: IL
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 has violated my rights.15 U.S.C 1681 SECTION 602 A.STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOOUNT 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 2022-04-29
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  XXXX XXXX XXXX XXXX for them to release my medical information to a third party.

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 2019-07-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
The company says I owe them {$760.00}, when I had no knowledge of the amount, I opened this account Right after my incarceration someone stole my wallet and personal information and when I was released I found out, never heard nothing back, this been on my background far to long please let me know and help me with this matter 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 monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 y'all 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 2020-07-07
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: Information belongs to someone else

Complaint:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 


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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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, XXXX XXXX tried to have a credit item removed that was re-aged by XXXX XXXX XXXX XXXX. I showed proof that XXXX had cut off approximately seven-years of payment history. The fact that I modified the original loan does not lock out the pre-existing payment history. The Federal Trade Commission has through several mandates to stop credit bureau subscribers such as XXXX XXXX XXXX XXXX XXXX from re-aging of credit trade lines. The facts are as follows : Original mortgage taken from XXXX XXXX XXXX XXXX XXXX with account # XXXX Original mortgage transferred for servicing XXXX XXXX with same account number Loan transferred to XXXX XXXX XXXX XXXX XXXX XXXX with same account number Loan modified XXXX XXXX, and a new account number was assigned # XXXX Loan continuation of payment history must be applied to loan number XXXX from loan number XXXX The fact that XXXX XXXX XXXX XXXX has XXXX XXXX XXXX XXXX of payment history on the new account number is a re-aging process where the trade line timeline is illegally extended.XXXX**** should have been XXXX XXXX, as the original first late payment shows on file number XXXX XXXX XXXX. 
I request a full and complete reinvestigation by XXXX XXXX on this matter, as XXXX XXXX XXXX, XXXX has avoided the subscriber agreement with a credit reporting agency. Therefore, since the complaint against XXXX was not rectified, I must file an FCRA violation complaint to remedy the matter. 
The XXXX XXXX XXXX, XXXX account # XXXX must be deleted permanently!!!

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 2022-04-29
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have contacted this company in writing and by telephone to address the fact that my financial situation has changed and requested a settlement offer. There has been no response to the settlement offer in writing, as requested per the letter. When I received a call from them, the lady on the phone was rude and said she saw the offer and that I was still needing to make a full payment. The letter also indicated the ONLY form of communication would be through writing by mailing address or email and only communicate with me and not the references listed on the loan application to which she responded that per their documents at the time the loan was signed, they are able to contact me at any time or place and use and contact the references listed. I have been making payments, but am running out of time and money to do so in a timely manner, hence, the settlement offer. This particular company has offered 2 deferrals within the last 3 months to help the situation, but has not responded to the offer or has not offered other options. They have attempted to call all of the references listed on my account even though i have repeatedly told them not to. They did not validate these references at the time of my contract to make sure it was ok for me to list them or call them, therefore, they are being harassed for something they have no knowledge of and have been given my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge for from a tow company for improper towing of my vehicle on XX/XX/XXXX. I paid for the charge, however expected a credit upon resolution of the case. I was initially credited on XX/XX/XXXX, but was re-billed on XX/XX/XXXX. I was asked to submit more information to support my dispute and provided what was required of me to have my claim continued. On XX/XX/XXXX, they informed me I was credited again, however a 2nd charge back was never given. they asked for more documentation, which I also submitted. On XX/XX/XXXX, they denied my claim and stated they " can only request credits when they can document that the merchant violated an operating rule or regulation, '' which I provided evidence for. I contacted them that same day and asked what was necessary of me to continue this claim. They asked that I provide further documentation, which I did once again. On XX/XX/XXXX and XX/XX/XXXX, they sent a letter stating they had received my documentation and will continue my transaction dispute investigation and may contact me with follow-up questions, but until then, no additional information was needed. Now they claim my case has been sent to the " back office '' for review, however I have been told by a few representatives, my case is closed and has been for over a month now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector continues to call and harass me about something that is not mines I have went through proper channels to clear this and it was clear and debt not valid Now they continuously keep re-aging the information and falsifying things to the credit bureau. Twice I had to point out to credit bureau what the are doing which is illegal and it gets removed but they try again and again Originally they posted XXXX Then XXXX Now XXXX Constantly creating a negative re aging illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Retail Merchants Associates
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a dispute via the credit reporting agency asking to receive a detailed account of my medical bill from XXXX XXXX. I received 2 bills from XXXX XXXX just after I was treated which outlined in detail the services I received. I paid those promptly. Months later, I received the {$850.00} bill from the collection agency. I disputed asking for a detailed, line item receipt of the services I was being charged for as I feel is my right, but was never provided that information. Yes, I did contact the hospital for that information, no information was forwarded to me, nor could they tell me exactly what this charge is for. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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 fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all XXXX credit reporting services. When i tried to do that online at Transunion they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call XXXX XXXX at XXXX. I called and was placed on hold. The person told me I had to call the XXXX XXXX XXXX XXXX at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the XXXX number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this. 

I had the same problem with the XXXX other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the XXXX or 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 2017-10-23
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received an offer from my Sears XXXX that would provide 10X reward points if I spent {$500.00} dollars over the two 3-month periods of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX and on gas, groceries, and dining. When I inquired about why I did not receive my 10X rewards points after the period, I was sent a letter stating that I did not spend the required {$500.00}.  I disputed this and asked to receive documentation that showed my spending matched to the merchant categories for gas, groceries, and dining that their decision was based on. All I received was copies of my monthly statements.

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 2021-12-05
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the year 2019 I had this company open a report stating I owed them XXXX and some change. My credit was rising but when they jumped on my credit since 2019 they have tore my credit down for something that is not my legal responsibility. If this does not get them off my credit my next step will be to hire an attorney. This has been affecting me for 3 years now cost me from buying me n my kids a home

Company response to consumer: Closed with explanation