BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
We used our Kohl 's credit card to make a purchase at Kohl 's department store on  XXXX / XXXX /  XXXX   in the amount of {$110.00}. Of note is that we had established paperless billing. Unfortunately, our e-mail address was changed and therefore we never received the statements to pay the charge. We also did not receive any phone calls or posted mail regarding the outstanding charge. On  XXXX   XXXX ,   XXXX   a gentleman, stating he was from Kohl 's, called to say that our account was in arrears, and I immediately paid the amount in full over the phone, explaining that we had no idea that we were in arrears, and apologized profusely. We were shocked to discover that it had been reported to credit agencies! We were in the process of purchasing a home, and due to the " delinquency '' we lost out on the mortgage and lost our ability to buy a home. We were and are devastated. I wrote lett ers to Kohls and sp oke with customer service, however they wrote back, dated  XXXX / XXXX /  XXXX  , that they will not remove the delinquency from our credit reports. We had FICO scores of over  XXXX  before this happened, and mine dropped to  XXXX . This, to show that we ALWAYS paid our bills and our credit worthiness has been extremely important to us.   We feel, at the very least, that  Kohls should have at least tried to contact us by telephone or by post mail to warn us that we were in danger of going to collections, but absolutely nothing from Kohls until the gentleman called and we paid in full at that time. We lost our credit worthiness for a mere {$110.00} owed and no attempt by Kohls  to collect it except at the time to put a delinquency on our credit. I went back and checked our old e-mail, and saw the  2  statements, however, again nothing about going into collections or a negative being put on our credit. There were only late fees. We can not believe that they can put a negative on our credit reports after onl y 5  weeks. The amount was due on  XXXX / XXXX /  XXXX   and we paid on  XXXX / XXXX /  XXXX  ! Please help us! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On the morning of  XXXX   XXXX , I noticed that there are several accounts reporting on my Experian credit report that are both inaccurate and not mine due to identity theft. yesterday I had to temporarily remove my freeze on my credit report so that I could accurately view my entire file. Prior to today, I have always been able to do this without lifting my security freeze, but for whatever reason was unable to do so this time because it stated my information did not match what was on file.     Upon my review, I noticed the following trade lines that are both inaccurate and not mine and would like to dispute them as fraud : 1.   XXXX   XXXX   XXXX   XXXX   Date Opened :  XXXX  Credit Limit : {$4000.00} Balance : {$4000.00} Last updated :  XXXX  Status : CLOSED 2.   XXXX   XXXX   XXXX   XXXX   Opened :  XXXX  Limit : {$5000.00} Balance : {$4900.00} Last Updated :  XXXX  Past due amount : {$190.00} Status : CLOSED 3.   XXXX   XXXX   XXXX   XXXX   Acct # : (  XXXX  ) ********* Date Opened :  XXXX  Limit : {$14000.00} Balance : {$17000.00} Last updated :  XXXX  Past due amount : {$3900.00} Status : Open All of these accounts, I have contacted the merchant o ver 20  times and subsequently filed  ( 5 )  CFPB complaints concerning these accounts were not reporting accurately and subsequently were also not mine due to identity theft. I have been told countless times that they would be removed. All (  XXXX  ) of these accounts have been removed from both my   XXXX   and   XXXX   credit files as of  XXXX  of   XXXX  . I am attaching my necessary documentation,  DL &amp;  SS card for verification purposes.     Thank you for your help,  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 2017-04-18
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was the victim of aggravated identity fraud per th e US  Department of Justice. I was advised to fill out paperwork on the FTC website and I did and correspondedly sent letter to the affected accounts of mine. I sent letters  to 6 of my cr editors in early   XXXX  . Since then  4  have deemed  the U  S  DOJ and the Internal Revenue Service as accurate that fraud took place regarding my name and my wife 's name. For some reason Barclays and  XXXX   XXXX   (   XXXX  is still in review ) are the only ones who have n't refunded me my money. Barclays flat out denied my claims all the while disregarding the paperwork the federal entities have provided.  XXXX   XXXX  in the  Executive Office  has n't followed through on my request that I get the reason for denial with the corresponding reason why each charge is being stuck with me. I 've reached out to several of the vendors on the list and they have inaccurate information on me whether it 's the wrong name, address, etc . Barclays c learly did n't do a full review on these charges. I 'm submitting this again so this file can be reviewed again in full. I 've Also submitted these papers to the Delaware state banking commission that also regulated Barclays on the state level. They 've received my paperwork and based off our hour long phone call, they were in agreement that  Barclay  's has n't been forthcoming among other issues. I 'm submitting this through the CFPB to get further help so the money stolen from me can rightfully be returned. Many thanks for your review

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 2021-12-14
Company: Experian Information Solutions Inc.
State: WI
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2019-12-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTION - {$250.00} I called ARS and they could not provide me with a copy of the bill in question or what services were given. I do feel that this is my deceased fathers debt, as we have the same name.

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 2017-04-18
Company: BROKER SOLUTIONS, INC.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began the mortgage process with  XXXX   XXXX  for purposes of obtaining a HARP loan. When I received the paperwork after faxing all the required information and after they pulled my credit record.   there was NO Federal rate lock form or any figures regarding my guarantees on being in the HARP program or costs nothing. He apparently, intended on trying to pull the wool over my eyes and put me into some other type or mortgage. When I requested he give me something in writing saying this is what he was using my information for he never responded. When I requested the proper paperwork after I busted him out he never responded.   Here is his information :  XXXX   XXXX   Senior Mortgage Professional   Presidents Club  NMLS ID #  XXXX  Description : Description   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  CA  XXXX  Toll  XXXX  :  XXXX   XXXX  x  XXXX  Direct :  XXXX   XXXX  Cell :  XXXX   XXXX   XXXX  Fax :  XXXX   XXXX  Email :  XXXX  XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Profit Services Group has called us several times in reference to a doctors bill for our daughter that has not been paid. They do not leave messages, they will not send bills and want us to go to their office to get copies of bills and pay. I have explained to them that this is a workers comp claim and that I have been working with the Employer, Doctors and  Insurance Company  since  XXXX . They were very rude, threatening and condescending. They are threatening to send it to further collection, take legal action and have called me at my place of employment. They are also trying to collect an additional {$400.00} for credit collection fees. They will not listen to our explanation. They want to know if I have been working on it since  XXXX  why has n't it been paid. They accused me of doing nothing. I tried to explain and they will not listen. I had to hang up on them, due to their rudeness, lack of understanding, and accusations. This is not my first harassing encounter with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Allied Collection Services, Inc. (Nevada)
State: MI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
This  XXXX   XXXX  company is not licensed as a payday loan lender in the state of Michigan. I advised them that this was fraudulent and they continue to harass me via telephone. They now have turned this over to  Allied Collection Services lo cated at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   Neveda   XXXX  Phone  XXXX   XXXX   XXXX . Allied Collections has reported this to the Credit Bureaus as an unpaid account. Allied Collections is in violation of the Fair Credit Reporting Act. They have not attempted to contact me and verify if this is a valid debt. They chose to report directly to the Credit Bureau. This does not belong to me and who would agree to the extremely high interests rates. This is a predatory lending agency and attempts to bully people. They are not licensed to operate as a payday lender in Michigan. I spoke with  XXXX , ID  XXXX  today. This is the first time I spoke with someone from  Allied  Collections and I was th e one ini tiating the call. I explained to  XXXX  the information above as well.

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 2023-02-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did realize that all three Credit Report Agencies have several hard inquiries in my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I recently accepted a XXXX in Washington XXXX and was looking at some rental properties  to contact. XXXX property I found was listed for a XXXX XXXX XXXX. I sent him an email stating that I was interested in the rental and he immediately sent an email back going over the details. We conversed back and forth over email about the property and agreed upon a move in date as well as a lease. He then asked for first months rent, last months rent, a security fee, and a pet fee for the initial deposit. He asked that I write him a cashiers check and to deposit it into his account at Bank of America. I obliged and wrote the check out to him. After I took the cashiers check to Bank of America and deposited into the account he provided, I contacted him via email to let him know it was in and that i submitted it in his name. He immediately sent me an email back stating that i did it wrong and that it should have been submitted under his cooperate account name of XXXX XXXX. I became very concerned and called Bank of America to place a stop payment. They stated that it had already been deposited, and that the best they could do was put a hold on the account. After multiple conversations with individuals in different departments at Bank of America, I was finally told that I would need to reach back out to them on XX/XX/14 to proceed, that there is nothing they could do since the account was on hold until then. I went there this morning to resolve this and was informed that the account had already been emptied, and that Bank of America could do nothing for me since I wasn't an account holder. I then proceeded to contact XXXX XXXX and was told that there is nothing they could do either.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: NC
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 the below accounts has violated my rights : XXXX  - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Partial Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : 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 2021-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I would like to inform you that I have crazy error in my credit profile. The point is that these accounts are not mine I do not know the, they are somebody else I guess or its just identity theft and someone used my personal data. I am shocked how these items damaged my score and I can not imagine what to do in this case. Could you please figure out the origins of those accounts and probably investigate my case. And of course I will ask you to remove it forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent letter of discovery to ic systems ( debtor ;  XXXX  which i have not used in years  ) (  first reported  XXXX  ) to verify debt, and have had no response &amp; gt ; 30 days.I requested copy of original agreement with my signiture, also requested copies of the original deliquency and any subsequent bills showing debt.. no contact from ic systems I filed complaint with all  XXXX    XXXX   XXXX   and   XXXX    disallowed with no 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 2019-12-20
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just  to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as XXXX, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX   ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am again going through my repayment options  with Navient. And again,  my only options are to do a forbearance based on my income. I borrowed  XXXX  and now owe $  XXXX . I need to start paying on these loans but for many many years my only options are to either do the forbearance with {$0.00} payment or to pay a very large monthly payment which I can not do based on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: AUDIT SYSTEMS,INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Audit systems inc contacted me claiming they were debt collectors and used the name of a medical company I actually get supplies from. They said they were the second collection agency to receive my account. They wanted my credit card number to pay the debt. However, I did not owe anyone anything. They called me on XX/XX/XXXX, and I finally answered after receiving many more phone calls. They were very rude. I did verify my name and provided my address. Then, I realized there was no way I owed any money to a debt collector, as I always pay bills on time. Once I refused to cooperate further, they were very rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
An unauthorized person used my identity/information to try to obtain a credit card from Avant. I immediately saw the erroneous attempt and called Avant to request that they decline the credit card application on the basis of fraud. After being told to email " XXXX '' several times, I told the customer service rep that this simply wasn't good enough for someone to contact me in 5-7 business days and I wanted to be sure that the credit card application was declined or flagged as fraud. They allegedly flagged the application but I couldn't talk to the Fraud Dept or anyone else to get resolution beyond a customer service rep. I immediately emailed " XXXX '' with the information. I wasn't contacted so my husband filed a XXXX  Complaint ( since the criminal used his email address as part of the credit card application ). Only then did Avant reach out to me. They sent me a form to complete and send back, which contained all of my personal information like SSN, DOB, Driver 's License, proof of residency, but have not provided a secure email or file transfer option. I don't feel comfortable sending this into a general/unsecured email box or via fax or mail. They have not responded with a secure email option. Avant seems to be ripe for fraud since they don't do a " hard pull '' on financials of those applying and obviously, have an inept fraud department who is completely unresponsive unless you file a XXXX Report to deal with these targeted fraud issues!! I saw the fraud happening in real time and Avant was completely unprepared to handle the issue ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: TN
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 theFair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation