BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent documents, letters to support my dispute numerous times to credit bureau, and to the bank in regards of 30 days late in my credit report. I have called several times to the bank, and I was told to dispute with the bureaus. so I did. and I was told that the report was accurate.      XXXX   XXXX  , 2010 I   t  rade in a c ar to the dealership for another car that I can afford. I still owed the bank for the car I traded in. I found out later that the dealership did not sent the pay off to the bank after 30 days. it affected my score and was turn down for a loan and job. I had a third party involve, and helping me to have the item remove from my report. For a year in a half the company I paid for were sending dispute letters to the bank and to the bureaus. and I would receive a the same answer stating that what was reported is accurate. I had spoken to different employee from the bank pleading and explain what the dealership had done. and I keep being told to call the bureau. and when I called   XXXX   XXXX  , I was told to call the bank since it is the creditor who is reported to the bureau.

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 2015-05-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
my new telephone number is XXXX and equifax refuses to update it and creditors have denied me based off the inaccurate fraud number they have i can not provide a phone bill because i have a prepaid account with no bill. my ssn XXXX dob XXXX/XXXX/1976 address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX I NEED MY NEW NUMBER LISTED ABOVE UPDATED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I find myself fighting monthly with XXXX OF NORTH CAROLINA to remove their negative report from my credit report. I paid them in full in 2013. They promised to remove the negative report after the payment was received in full. I 've submitted the proper documentation to XXXX OF NORTH CAROLINA and the XXXX credit bureaus with no luck. I am in the process of rebuilding my credit and XXXX OF NORTH CAROLINA 's negative report is not helping my credit history. I was in a credit rebuilding program with XXXX XXXX for the last six months. XXXX XXXX was able to delete the negative reporting from XXXX OF NORTH CAROLINA for a couple of months. Now that I am out of the program I see XXXX OF NORTH CAROLINA reporting this month. I need for XXXX OF NORTH CAROLINA to remove their negative reporting from the XXXX major credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started going to  XXXX   XXXX  offic e  X/XX/2015    because I ha d hurt my  XXXX , he said he could help my pain, started going every week, after ab out 2 to 3 mos into  the visits my  XXXX  started to fell some relief bu t my    XXXX   started to go   XXXX   I told him about my  XXXX , he did n't say anything. But as I was going I was paying my bill monthly, {$270.00} as I continued to go my  XXXX  were getting worse, So I knew I needed to stop going to  XXXX   XXXX , I could no longer afford the service. and I was also worried about the fact my  XXXX  getting worse after every visit. On my last office visit I asked if I owned any payment, I was told NO, Everything was paid up until after my next visit. I canceled my next appointment and did n't go back, after a few weeks I received a letter for  XXXX   XXXX   XXXX  for collection of {$680.00}. So I called  XXXX   XXXX   office to  ask why I got the letter,  XXXX   XXXX  receptionist told me they could not talk to me because the bill was in collection, I received some letters from  XXXX   XXXX , then I stared getting phone calls from Law offic e of Charles McCarthy, I expl ained all this to them, but they keep calling after i have asked them to stop calling me. I do n't understand how they can charge me when i was told my bill was paid up passed my next visit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX  retaliated on   XX/XX/XXXX   after a complaint had been filed and Equifax allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in   XX/XX/XXXX ,  XX/XX/XXXX  . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. Equifax has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a   XXXX    times with different amounts when the aggregate of that account should have been used once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have had multiple credit accounts closed on me, despite good history and payment terms as agreed because of false an or erroneous information on both my Equifax and XXXX credit agency reporting. The adverse or negative accounts I have reported to you and a few have been removed already but not reflection in my score. 

Meanwhile my credit score took a huge dive from XXXX plus to XXXX as a result of the " false '' and.or " inaccurate '' information. XXXX XXXX has closed every single credit card I had with them that had a XXXX balance despite not one being late for failure to pay. Credit lines I do have with XXXX were reduced to exactly what I owe. THIS IS WRONG! XXXX XXXX closed me today, again I had a XXXX balance and was in good standing with them. XXXX XXXX &.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On the evening o f  XX/XX/XXXX  I re viewed my account and became aware that it was in the negative. At the time there were  XXXX  pending items - {$26.00}, {$24.00} and {$11.00}. The pending items as listed were included in the negative balance. I immediately transferred {$80.00} from my savings account to cover all of the pending items and have a positive balance in the account. The next morning my account was again in the negative. No additional charges beyond the pending items from the night before had posted.  Suntrust chose to post the  XXXX  pending items prior to crediting the transfer deposit of {$80.00}. This is both unfair and deceptive because when I transferred the {$80.00} my account reflected a positive balance- that there was sufficient funds to cover the pending items and have a positive balance. However, by Suntrust posting the pending items first ( knowing that there was money deposited to cover them ) you balanced my account in such a way that maximized the possibility of overdrafts. Again, unfair and deceptive. I am requesting that Suntrust  immediately refund {$100.00} charged to me as overdraft fees on   XX/XX/XXXX .  Thank you for your immediate attention to this matter.

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 2017-05-17
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Sectio  n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
When I went to   XXXX   XXXX   XXXX    searched they name and DBA name it came up No records found : Please check your fields and try again.       They call and call and have no Bond to collect in Texas ...     Under  Credit Control Service DBA Credit Collection Service Bond Numbers   XXXX  and  XXXX  is Not Bonded to collect in Texas Amount they trying to collect is $  XXXX  not know this Company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: JPMORGAN CHASE & CO.
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 have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 Friday XX/XX/XXXX, at XXXX, I received an email with a copy of a receipt for a purchase from XXXX for 2 tickets in the amount of {$460.00}. I had never created an account with XXXX, I did NOT purchase any tickets through XXXX and I did NOT authorize anyone else to make a purchase using my credit card. I immediately changed the password on the email account, called the XXXX customer service number and informaed them a fraudulent purchase had been made and using my information. The told me too bad, not their problem I would have to call the bank. I then called XXXX XXXX fraud department and informed them what had occurred. They said I would have to wait and call back after the charge was 'posted ' to my account. At that time I cancelled that card and was to receive a replacement. On Monday XX/XX/XXXX, I called XXXX  once more and opened a fraud dispute. Almost Immediately, I started receiving notifications of my email account being subscribed to well over 100 subscriptions in the XXXX  for  miscellaneous web sites. I have called XXXX customer service and requested the IP addrress and phone number associated with the original purchase and they refuse to give the information. XXXX would not cancel the order and sent an email at XXXX on XX/XX/XXXX indicating the tickets were available for download. I DID NOT DOWNLOAD any tickets, I DID NOT ORDER ANY TICKETS. XXXX 'investigated ' the fraud complaint and sent a letter dated XX/XX/XXXX indicating they had closed the investigation and found the dispute NOT in my favor and placed the charges on my account once more. XXXX has NEVER contacted me about this complaint and the investigation. I have attempted to contact the phone number to dispute this resolution and have been on the initial greeting 'waiting for the next associate ' for 3 days, over an hour each day with NOONE ever picking up the line. I called the extension indicated in the letter and it goes straight to voice mail. I have left my phone number and reason each time with NO response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account has been removed from my  XXXX  file and I 'm having the hardest time having it removed from my  XXXX  and  XXXX  file. There are  XXXX  accounts listed on my  XXXX  and which I believe they are duplicate account listed. I have sent in several letters via certified and I have n't received a response in this matter.

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 2017-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After my original complaint that I did not get credit report after entering all personal information Experian sent me a letter offering report on this url experian.com/viewreport It is a dead link and I still can not access my free credit report Original case # 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 2017-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around  XXXX   XXXX ,  2013, I w as made aware of a credit card opened in my name with several charges I did not induce. Upon calling  XXXX   XXXX , I was given the run around and eventually was told there was nothing they could do. Since then, the account was tossed into collections with a company named  Portfolio Recovery Associates, LLC.  I have since attempted several times to contact them to inform them that his debt was not mine, only to be told otherwise, that I was indeed responsible for it, and even had threats of wage garnishment if the amount of {$390.00} was not paid. I was told today after I called asking for a settlement cost that it would be {$310.00}. As I was about to pay, my wife told me about CFPB and you  may  be able to help. I look forward to working with you to have this taken off my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: APPLE RECOVERY, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Over the past 5+ months I have received no personal phone calls from Apple Recovery LLC , although I have received calls and messages from multiple relatives such as m y mother, sister, grandmother, and brother-in-law all stating this company is continually calling and harassing them for information about myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I wrote Bank of America and stated that I wanted to close my credit card which was a secured credit card. I put {$500.00} to get this {$500.00} secured credit card. The balance owing at about that time was {$440.00}. I stated in the letter that I was authorizing them to apply the {$500.00} deposit to the account and refund the difference. I did not hear back from them. The next month 's statement showed a {$99.00} credit. I wrote them back again giving them a copy of the first letter. I wrote them back a 3rd time and gave them a copy of the first letter. I still did not hear from them but I did continue to receive statements adding interest and a $ XXXX/mo charge for missing my payment. Just a couple of months earlier, I had withdrawn my checking and savings and money market accounts from B OF A and began using a local bank. I am not sure if this is related or not, but no wonder I do n't want to use B OF A. I sent all letters to the address for disputes in XXXX XXXX, TX as per B OF A 's instruction on the front and back of their statement.

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 2021-12-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and Experian, when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

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 2015-07-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. One of each the following inquiry must be removed pronto from my credit reports as duplicates inquiries were NOT authorized:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation