BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: AL
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: Problem getting your free annual credit report

Complaint:
I am sure that I am not the only person having this problem. Soon after the XXXX data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like XXXX, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: CO
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 Literally only have 1 active XXXX card bal XXXX 1 XXXX  XXXX XXXX XXXX card bal should be XXXX but they keep chargind me ( a complaint I will give you later ) and 1 XXXX XXXX XXXX  XXXX ( XXXX TX ) bal XXXX on my car. 

Today I was told that on my Experian report which I temporarily unfroze ( so potential landlords can have access and for an auto loan with XXXX XXXX ) that there are several accounts over 60 days late. 

Impossible the accounts above is all I have. Who regulates Experian and the employees dealing with the information that goes on my account. I have spoken to you several times before about incorrect info or old information. This rises to the level of abuse and fraud on my data that needs a cease and desist action. 

I am looking for an apt and that error on my file is causing me to be wrongfully denied. Moreover the apts need to be concerned with my rental history not my personal credit.

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 2019-10-14
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Used previous address for alleged outstanding bill. They also linked my telephone number to the account. I never had an account with the original consumer.

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 2019-10-14
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: Investigation took more than 30 days

Complaint:
My life has been turned upside down from # 1 inaccurate reporting # 2 charged by Experian was to be refunded and never revived. 
# 3 my SS # and information was breeched from Experian and caused further harm. 

I demand my perfect credit restored and my wrongful payments charged without my consent returned. 
Reaching you through all conventional methods is nothing is a joke. 

This is my life a life of being a good person and Experian needs to realize the harm caused. 

I have tried and tried PLEASE FIX ALL THIS IMMEDIATELY.

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 2019-10-14
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SOUTHERN OREGON CREDIT SERVICES has never informed me of any rights to dispute my debt or even what my debt was related to prior to serving me. I have been unable to verify if the debt is even valid. They use deceptive practices and refuse to identify themselves when calling or when I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX, XXXX has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is  dated XX/XX/2019. 

I did not respond to this most recent communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CBC Companies, Inc.
State: CT
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 company XXXX XXXX called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to XXXX XXXX lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem getting your free annual credit report

Complaint:
I am sure that I am not the only person having this problem. Soon after the XXXX data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like XXXX, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.

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 2022-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I received an email and text that a wire transfer in the amount of {$8100.00} was initiated on my USAA checking account. I immediately called USAA, while on hold I received a call from them ( the contact is saved in my phone so it was USAA number ). I switched over and was told it was fraud dept trying to stop a fraudulent wire. They went thru the process to lock my account and reset all passwords, issue new debit cards, etc and was told it was resolved before wire was sent. About an hour later I received a push notification in the app that the balance on my account was low. I opened it and saw the wire actually went out and immediately called USAA again. I was told at that time the call earlier was a spoofed number and a hoax. The fraud dept member told me they would help me actually update my account security and start the process of getting my funds returned. I was told it would take about XXXX business days and call back if funds were not returned to my account. On XX/XX/2022 I called USAA and was told the rep had not started a fraud investigation and had not issued a wire recall that day. The person I spoke to said that was not proper protocol of the first rep. They actually were not in the wire dept and should have transferred me or told me to call back the next business days since after XXXX XXXX XXXX. Neither of these things happened and I was apologized to and told it would take place that very day. They said to give it a couple weeks because of the excessive amount of wire fraud taking place such as mine. I called back on XX/XX/XXXX and was once again told an investigation had not been started, nor had a recall been issued. I was AGAIN told this was against protocol and they would start the process that day. A wire recall was finally issued XXXX  days after I first called and reported the fraud within the hour. My funds could have possibly been recovered if USAA followed proper protocol and issued the wire recall and began the investigation immediately. It took over a week and and XXXX phone calls from me for them to even start the process. I have called multiple time since XX/XX/2022 and now am only being told the investigation is " in process '' and the " wire recall was not successful ''. I have asked to speak to managers or customer reps with more authority and have been told someone would call me back but have not received one phone call from USAA in XXXX weeks. Their failure to work on my behalf to recall the wire and issue a fraud investigation immediately when I contacted them cost me {$8100.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke to a representative on XX/XX/XXXX. He said he was calling from capital one. They've been calling me since XX/XX/XXXX. They call me several times a day. While I'm in school. I told him that I'm a XXXX XXXX with no job but I was going to pay on XX/XX/XXXX. I told them to stop the calls. He told me that it was impossible. They were going to wait a week and if the debt wasn't paid they will call again. I have been getting about 5 calls a day since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX had set up auto-debit payments to my loan servicer while being enrolled in paperless statements. So, one month they said I did not set up the auto-pay correctly and put a late payment on my credit report. I work very hard to pay all my bills in a timely fashion. When I called my home loan servicer to discuss this problem they claim the error was my fault and refused to help. In any case, I made the payments and caught up after them putting a late payment on my record and also charging me a XXXX late fee. I feel like I got no help, support and proper explanation for this error. Please help me resolve this issue as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
This afternoon I went to the Bank of America, located on XXXX XXXX  XXXX XXXX in XXXX, GA. I dealt with a XXXX XXXX. When I walked into the branch, this woman said nothing to me and did not acknowledge me at all. I got in line. I was in line for roughly about 5-7 minutes, before she approached me, asking what I needed. I told her I was cashing a check. She asked me if I was an account holder. I told her no. She asked me to get out of line, even though that I had one person in front of me, and sit in their lobby area because they needed to verify checks. They serve everyone that are account holders FIRST and they they go to the non-account holders. That is a very discriminatory practice. I was there to cash a XXXX check that was issued to me by XXXX XXXX XXXX XXXX, because of a dispute that I initiated because my XXXX year old was scammed on XXXX XXXX. She didn't acknowledge me when I first walked in and then I have to wait, when I could have been one of the first people over there. I asked for her business card and her supervisors information. I left out and then I came back in and asked to speak with XXXX. She wasn't there but someone called her at another location. She was supposedly with another customer. I sent her 2 emails and she has yet to respond to me at all yet. So I decided to file a complaint and my cousin who is a XXXX XXXX is going to advise me on whether I have a legal claim or not against Bank of America. 

My mother says at the location that she banks at doesn't do this. My cousin who banks with them states that they don't do this either. I am not happy about this at all. 

I ended up not cashing the check. I will be depositing it at my bank instead.

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 2019-07-29
Company: Finance System of Green Bay, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a letter stated that a balance of {$110.00} is owed for an account with XXXX XXXX XXXX XXXX. I do not have and have never had an account with this company and deny the debt.

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 2019-10-14
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On behalf of XXXX, Waypoint posted a collection on my credit report, for a debt I was never notified about, for an account that has been closed over a year. Neither XXXX nor Waypoint would agree to remove it from my credit report, even after it had been paid and would cost them nothing. I have also reported XXXX to the XXXX XXXX XXXX over this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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: Information belongs to someone else

Complaint:
I have sent several letters to XXXX Equifax and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account 1.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 5 Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
9 Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-06-13
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case LVNV FUNDING LLC is attempting to collect XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: URS Holding, LLC
State: NH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XXXX of XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT XXXX. XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from XXXX ) I wrote a letter disputing the disposition fee charge of {$350.00}. XXXX To Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XXXX for a settlement at a less amount from XXXX {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from XXXX. I sent this letter to both of them. Here it is XXXX XXXX, XXXX and I received another letter from XXXX Debt Collector that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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 Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-06-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
received email from Experian stating issues found and feel reporting wrong and ask to have these removed

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