BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. 

I made an agreement with XXXX XXXX and XXXX for payment relief before i fell behind the XXXX XXXXt Requires that the creditor to report your account as Current and good standings.

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 2015-06-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ARS ( Account Resolution Services ) is claiming they received a debt from XXXX XXXX XXXX which oversees ER doctors. They claim that XXXX has record of me seeing a XXXX XXXX XXXX at the ER of XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX. I did not visit the ER at XXXX XXXX XXXX at anytime in XX/XX/XXXX. I never saw a XXXX XXXX. I called XXXX and was routed to an organization called XXXX. I spoke with a representative who tried to look up my collections account by all means possible ( i.e. First name, Middle name, Last name, SSN, birthdate, etc. ) with no success. They said that I was never a patient with them. Being that I did not use the services of the ER and that there is no record with the original debtor I am contesting this debt. Lastly, I was never notified of this debt with any statements or phone calls. The address they claimed to send the statement to that came back as " undeliverable mail '' was not an address I was living at the time they claim the services were rendered. The debt appeared on my credit report in XX/XX/XXXX, two years after the supposed event. I was made aware of the debt when my mortgage loan officer sent me a credit report recently. It was not on my credit in XXXX. I have filed a dispute with all XXXX credit bureaus but wanted to make you aware that this is not my debt and I was never notified before it was negatively reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
BBVA Compass provides a service called XXXX. XXXX allows customers to send payments to others via their email account or phone number. On XXXX/XXXX/16 I sent a payment of XXXX to a friend. I was charged an additional XXXX fee. I called customer service on XXXX/XXXX/16 to inquire about this fee. I was told, after she consulted with a XXXX representative, that the fee was because of I chose next day payment. I explained that the website says NOTHING about a fee and that it needed to be reversed. I was told that because the fee was assessed by XXXX, and not BBVA, nothing could be done. 
At this point I asked for a supervisor and told the customer service person that I would be submitting a complaint to CFPB because the Bank can not assess a fee, no matter how small, that is n't clear to the customer. This is not a fair practice. I was put on hold for about 10 more minutes. The same customer service person came back to the phone and informed me that 'management would refund the fee and investigate this issue with XXXX . '

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
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:
To Whom It May Concern, I am here to challenge information that has been on my account that is inaccurate. At this moment Experian has three different names attached to my consumer account that do not belong to me. Due to potential, identity theft and Experian 's history with data breaches I simply do not benefit from nor do I go by any other variation of my legal name and I am requesting an immediate deletion of this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
The credit reporting agency did not receive my permission to report my personal information. They have also failed to verify contracts between the alleged creditors and myself. This is in violation of Section 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 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.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX Other issues : Violations in my credit report. 

All violations have been circled.

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 2022-11-06
Company: Experian Information Solutions Inc.
State: HI
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. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Section XXXX A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-01-31
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Getting tired of Cross country mortgage and their XXXX controlling The mortgage market in the area I originate in I 'm being kicked out of these offices because of their agreements They refuse to let any other lenders or brokers on premesis with loan Programs XXXX of cross country mortgage sits in their offices daily XXXX is with XXXX and XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Chime Financial Inc
State: OH
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:
On Thursday morning I got a deposit on my chime account of XXXX. Somebody logged into my chime account & changed my email & phone number on the account. So my account was put on hold & new cards were sent out. They spent {$820.00} from my credit builder account & {$200.00} from my checking account, the merchant name is XXXX the website isn't even legit enough to talk to anyone to get documents pertaining this. Both of my disputes got denied through chime. The credit builder account took 2 days & the checking account took a few hours after denial. I called chime multiple times & they still didn't have a reason why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I have responded several times to try and get Equifax to remove several inquiries that are not mine since last year and have yet to receive any response at all. I also asked to be removed from monthly credit monitoring and am not sure this has been done as of yet. 

I should have XXXX inquires on my credit report yet all these are listed XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX I wish to have them removed and stop billing me for monthly services. 

XXXX XXXX XXXX XXXX nc XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: GA
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 act XXXX XXXX XXXX Account # 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 consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The collection account for XXXX XXXX XXXX was paid in full ( see the attached letter XXXX on XXXX/XXXX/2016. XXXX had stated the collection account would be shown as paid on the XXXX/XXXX/2016, however, as of today the credit agency has not timely updated the report. 
See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 non-monetary relief
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Irs public Lein removed off XXXX but not off Eqifax n a car loan paid and closed in XX/XX/XXXX Also XX/XX/XXXX a {$3700.00} bill not mine handled in divorce XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this Bankruptcy Dismissal with Equifax many times. I have never file or attempt to file bankruptcy. I believe Equifax has reported someone else information on my credit file. Please assist me in getting this matter resolved. I am tired of informing them of this issue and they have not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
ok I ask the inpector general for help a bout my dbt collection but they do n't help enough I have problem with XXXX XXXX bank they send me to collection to Equifax XXXX in Gorgia XXXX that happened have long time XX/XX/2006 let me know you can help me thank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, XXXX and Equifax. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, XXXX and EQUIFAX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I contacted XXXX in regards to my account, to check the status of the pay to delete letter I sent to them. I spoke with agent XXXX from the recovery pay debt department, at that time she told me that my debt was forgiven because the balance only consisted of fees, she also stated that the account would be deleted from all three credit bureaus but she could not tell me when the information would be updated with the credit bureaus. I disputed the info on my credit reports with the info that was provided by XXXX. I received an updated copy of my credit report and it states the info for XXXX XXXX was updated. I called them to inquire about the information XXXX provided to me and the customer service agent ( XXXX ) informed me I was given the wrong information. I asked to speak with a supervisor ( XXXX ) who confirmed that I was given the wrong information because the XXXX is a new employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent a notice by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX about a debt XXXX Bank. I received it by mail XX/XX/XXXX. I returned the notice with a request to dispute the debt and amount wrong by mail on XX/XX/XXXX with a personal check of {$50.00} in good faith. 

I have just sent a second request to dispute debt by registered letter dated XX/XX/XXXX. 
Also a check of XXXX in good faith. 

There has been a Civil case filed against me in XXXX XXXX Court on XX/XX/XXXX. 

Case XXXX. 

I dispute this money owed and a lawsuit was filed before proof of debt supplied to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Paypal Holdings, Inc
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
After 4+ years of perfect transactions and feedback, I get a " reserve '' of {$15000.00} placed on my account. They are holding $ XXXX+ currently I am asking that Paypal remove the {$15000.00} " reserve '' they want for me to continue to do business with, and to allow me access to the $ XXXX+ that is currently being held. I have never had a chargeback or any issues. I have NEVER had {$15000.00} in my account at one time, so to ask me to put that in to continue doing business is crazy. I have had a surge in sales and explained all this to the lady I spoke with at Paypal, I have sold these products for 3-4 years now WITH NO PROBLEMS! 

Currently, I can use my account to accept payments, but ca n't spend/use it until I have over {$15000.00} in it. Why would I continue to accept payments when my next {$9000.00} in sales ca n't be accessed? 

I sell on XXXX different sites and XXXX/XXXX different product lines, so this " hold/reserve '' is going to destroy my other lines of business as I ca n't pay my distributors for products that need to be shipped. 

I am asking that this reserve be removed and I can continue to conduct business as usual. If you choose to discontinue business with me is fine as well, however I need this release of the $ XXXX+ release and I will withdrawal it. This has been a detriment to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a refinance with Sebonic Financial/Cardinal Financial on XXXX/XXXX/15. It took 3 weeks to receive an appraisal, rescheduling 2 times prior to signing closing. But my biggest concern is that I never received a closing disclosure document prior to the notary coming to my house. I did not have time to review my responsible charges. I feel there were incorrect charges on the document. I did not sign and the notary did not leave a copy of the document at my house either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation