BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my wife and I brought our dog to the XXXX XXXX Hospital located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. After our dog was seen by a vet, we proceeded to the front desk and checked out, as we normally do. At the desk we were given the bill, and once paid, given the discharge instructions/ care report. 

On this visit, we had a bill of {$930.00}. I handed the front desk receptionist {$930.00} USC, and was then given the discharge paperwork and left. On or about XX/XX/XXXX I received a collections letter in the mail from Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX. The collections letter stated that I owed them {$990.00} based upon a collections debt from XXXX XXXX Hospital. I immediately contacted Hunter Warfield to discuss this letter. Ms. XXXX XXXX from Hunter Warfield advised me that their company was hired by XXXX XXXX Hospital from collection procedures. I advised Ms. XXXX that I paid this bill the date my dog was seen. Ms. XXXX advised me that I needed to contact XXXX XXXX Hospital as they have this as an " active '' debt. 

I contacted XXXX XXXX who advised me that I needed to contact their corporate office as they have nothing to do with this anymore. I attempted to locate a phone number for their corporate office, however was unable to find one. I was able to send the corporate headquarters an email, to which I did on or about XX/XX/XXXX. In this email I explained what transpired, to which I received an email back from the XXXX XXXX XXXX on XX/XX/XXXX stating that they will respond to me as soon as they can. Since that date I have not heard back from them. Today XX/XX/XXXX, I received another letter in the mail from Hunter Warfield again harassing me for " collections ''. 

As I advised both XXXX XXXX Hospital, and Hunter Warfield collections, I paid this debt, in full ( cash ) on the date of service. I also described in my email the description of the employee who took the money from me. 

In sum, this debt has been satisfied by way of payment in full on the date of service, and this collections notice is false/ incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
American capital enterprises, XXXX XXXX XXXX, XXXX, XXXX, ca XXXX. phone, XXXX. The company states that this collection belong to me, which it is not accurate, please advice XXXX credit report to delete this collection from my account, my report number with XXXX is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: WA
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 filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XX/XX/XXXX my credit took a 65 point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter 70 point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped 135 points in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While looking through my credit report I noticed a previous deleted collection item on my credit report. This item has been removed three other times. The original account came from XXXX XXXX XXXX. I prove to the bureau that the claim was an error by XXXX XXXX XXXX, and it was removed. It was sold to XXXX XXXX XXXX agency and placed back on my credit report in spring of XXXX. In XXXX of XXXX  I had it removed again. Then In XXXX of XXXX  it was sold to XXXX XXXX agency and again removed. Now, it was sold to XXXX account # XXXX. Why do I have to keep removing this same erroneous claim? According to The Fair Collections Act, this information should not be placed back on my report once removed. Section 609 ( a ) of FCRA, reporting agencies are required by law to verify claims, through physical verification of all accounts placed on my credit file. Obviously no investigation was made to verify this claim. Moreover, it has now been 7 weeks or 40 days since I asked for verification of debt. According, FCRA, the bureau has 30 days for validate debt on credit report. Additionally, Under FCRA unverifiable accounts must be removed and if you are unable to provide the original application, accounting of collections account, and original agreement.

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 2022-09-07
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Typo in previous request. Alliant was notified of XX/XX/XXXX1 Bankruptcy/ not XXXX. 

I made 3 attempts to notify the company they are violating Fair Credit Reporting Act ( FCRA ). I FILED XXXX  XXXX BANKRUPTCY XX/XX/XXXX. Alliant was notified by my attorneys office and myself verbally. Alliant continued to report two account balances of approximately {$300.00} total to XXXX XXXX Because of Alliants willful violations of the FCRA, I was declined membership at XXXX XXXX XXXX XXXX and a {$12000.00} loan that I was approved for could not be issued. On XX/XX/XXXX at about XXXX I talked to XXXX XXXX ( supervisor ). She said she was unable to assist. This was my 3rd attempt. Two other attempts and no one contacted me as promised. 

It appears that due to a typo Alliant believes they should not be held accountable. Shame on you. You were made aware of my most recent bankruptcy on at least 3 separate occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
These companies consistently make it next to impossible to change your security freeze status. When I try to temporarily lift a security freeze through Equifax 's website, my browser informs me that the page can't be loaded because it is not secure. 

These companies put zero effort into online security and that is the reason data breaches have occurred in the past. A functioning government would ensure these problems were addressed. How many millions of man-hours have been spent in frustration trying to navigate these sites? They have the resources to do better and the financial information they store should be better protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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:
I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Merchants Credit Assoc. Inc SC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchant 's Credit Association In XXXX , SC is attempting to collect XXXX accounts from me, both of which I do not owe. XXXX they state is for {$76.00} and the other is for {$48.00}. My insurance covered these services and I was never told that I had any balance owing. I have disputed these claims with this collection agency and have had no response to my disputes or request for proof. They are reporting these items to the credit bureaus fraudulently and I want them removed asap. In addition to trying to collect on money that is not owed, I have received harassing/threatening phone calls and letters even after I have asked them to cease communication due to the rude and unprofessional way in which the representatives have addressed me when I try to dispute these claims. One letter I received dated days after I last disputed these accounts was demand for payment, ignoring my previous disputes. They stated they will use whatever available means they have to collect, but do n't indicate exactly what they mean by that. The letter goes on to inform me that my name may be listed on a " XXXX XXXX XXXX '' that employers and creditors have access to, and that these erroneous charges may affect future purchases and job opportunities. I find this to be very threatening, especially since I could not locate any information on a " XXXX XXXX XXXX. '' This all seems to be very misleading. I have attached a copy of the letter for XXXX of the XXXX accounts this company is claiming that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX I called creditors in regards to some inquiries that were showing on my credit file. I called and spoke with XXXX at XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX and XXXX at XXXX XXXX. And all have basically stated that I have no account for them to send anything to credit bureaus. For me to contact creditor bureaus to have inquiries removed. I explained that credit bureaus instructed me to call creditors for some sort of proof that they are giving permission to remove inquiries. I also called XXXX and left voicemails with XXXX XXXX, and left voicemails at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX with no return phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX FILE NUMBER I 'M NOT ASKING DISCOVER FOR ANY FUNDS TO BE RETURN BACK TO ME I JUST WANT THIS FRADULENT ACCOUNT REMOVED FROM MY CREDIT REPORTING BECAUSE I DIDNT OPEN THIS ACCOUNT AND I DO N'T THINK ITS RIGHT FOR ME TO HAVE THIS ON MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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: Old information reappears or never goes away

Complaint:
i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my XXXX XXXX  account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..

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 2020-03-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my experian boost account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: AMERICAN EXPRESS COMPANY
State: NC
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 XX/XX/XXXX, I prepurchased a ticket for a show in XXXX for my wife 's birthday along with her ticket. Morning of our 3 year ( now XXXX ) got sick and no one could watch her. We chose to all travel from XXXX to XXXX for the show and I stay at the hotel with our kid. I try to resale or refund the ticket with NO LUCK or any support from XXXX while I watch our toddler in another city. I open a support ticket with XXXX  again, no help. I dispute with Amex, no help. I contact XXXX  online, " Sorry for the inconvenience. Unfortunately, refunds are not permitted for this order. 
Thank you for your patience and understanding! 
-DE- '' I could not use the ticket due to the circumstances, resale the ticket or refund the ticket. 

Amex opened and closed a dispute in XXXX  's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: N.A.R., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am trying to find out how I have medical bills in my name that I have never received a bill for and I would like to be shown proof of how these bills are mine and where they addressed the bills too I never received any bills because I did not make them. I want to see some type of proof that they have that identifies me making these bills when the dates on them do n't even account for me living in or around the area these bills claim I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Coastal Credit, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is the issue I DO N'T HAVE A LOAN with this company. Supposedly XXXX XXXX used me as a REFERENCE ( without my permission ) on her car loan at Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, Phone - Customer Service/Collections : ( XXXX ) XXXX Coastal Credit calls me on a consistent basis looking for XXXX. So far Coastal Credit has called XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I have asked Coastal Credit on at least XXXX occassions to STOP calling me. Coastal Credit keeps indicating XXXX gave them permission to call me by using me as a REFERENCE. I Stressed to them that I did NOT owe them any money and QUIT calling me. Coastal Credit keeps stressing they are going to KEEP calling me until I get XXXX to contact them. That is BLATENT HARASSMENT!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had my purse lost a few years back and now I'm seeing things on my credit report that does not belong to me.. 
Each account is showing up as inquries and or closed accounts. 

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 XXXX1

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am writing to complain against BECU 's punitive and uncompromising charge of {$25.00} against a transfer I tried to make and which BECU rejected for insufficient funds. On XXXX, I tried to make an overseas deposit for {$1000.00} using the XXXX. I requested XXXX to cancel the transaction immediately on XXXX when I realized that I ordered the transaction from the wrong bank account, but it appears that XXXX did not honor my request. I called XXXX and they said they were looking into the issue. Today I called BECU.org and explained my problem and requested a reversal of the charges but they refused. My complaint is that although BECU rejected my transaction, the BECU Credit Union still fines me {$25.00} for the transaction that they dishonored. I would have understood if BECU honored the transaction by giving me an overdraft and then charging me a fee, but they did not. I have had an account with BECU for a while, and I have never had a failed transaction. BECU prides itself as a CREDIT UNION, and it proudly advertises itself as more caring and friendly to its " members '' not " customers '' as the big banks call us. I suppose the word " members '' to BECU means the same as the word " customers '' to the big banks ; it 's just a matter of semantics ; the word " members '' sounds friendly in need and not in deed, because the bottom line is the same : " we, your friendly credit union, will not give you, members, a first time warning, but PUNISH you with an unreasonable fee even if you make a transaction that does not go through, and even if we ( BECU ) do not incur any loss of funds on our side, and that is the rule and that is how we treat our MEMBERS. '' I find this policy punitive and disrespectful and BECUs business practice loathsome and as pleonexic as the big bank 's policies. Please help me recover my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BB & T charged me a fee ( Service Assessment Fee ) on transaction that was voided a few days later, I tried many times to get a fee refund, but they have managed to dodge my petition. Attached letter explain in detail what happened. Also I'm attaching papers supporting my claim.

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 2017-05-23
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally financial loaned {$13000.00} in XXXX 2012 payments of {$240.00} so made already a little over {$16000.00} so far call for payoff today and claim I still owe {$5000.00} believe this is in correct and nobody speaks clear English there and struggling to get to bottom of this thanks for listening I really need help direct me to the right person or forward this email to others to see who it is I need to speak with my number is 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 2016-11-27
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed out my Discover credit card account months ago due to a dispute over Discover billing and late charge practices. On XXXX XXXX, 2016, an unauthorized payment of {$32.00} was made to the XXXX company by Discover without my knowledge. 
or consent, for a product I did not order or receive. 
When I signed up for the card, it was because Discover advertised it would never pay a disputed bill. Now Discover is demanding payment for a charge made against a canceled and destroyed credit card.

Company response to consumer: Closed with explanation