BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have notified Merchants Adjustment Service that the referenced debt they are attempting to collect is the result of identity theft. I requested proof that the debt is mine, including proof of the identity document ( s ) provided to the original creditor as well as a SIGNED contract of agreement to pay to the original creditor. MAS only provided a printed sheet from their database with generic information. MAS did not provide any proof that the debt belongs to me. MAS did not provide any documentation that the debt was originally mine either. 

I continue to dispute this balance on the claim that it is the result of identity theft. I have attached the FTC Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have made all my payments on time and even made a very big payment on my account last week. I got an email yesterday that my account was closed because of no real estate or revolving accounts on my credit. This card is the last one that I have gotten. I had all of the revolving accounts that they say are on my credit when my card with Synchrony was approved in XXXX. I have never missed a payment or been late. I can't even get into the account now to prove my payment history but I can pull bank statements. I tried calling them and the supervisor laughed when I told her about it being closed and said that they can close accounts if they want. I told her it is really sad that you close accounts in good standing. The account was opened in XX/XX/XXXX and payments were as follows : XX/XX/XXXX {$100.00}, XXXX {$100.00}, XXXX {$120.00}, XXXX {$140.00}, XX/XX/XXXX {$140.00}, XXXX {$140.00}, and XX/XX/XXXX {$500.00}. The card was closed and cancelled by Synchrony on XX/XX/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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
id theft victim. These accounts do not belong to me. Please remove them from my report asap. 

XXXX XXXX. I have never had an account with XXXX or had a credit card with them Account number XXXX balance XXXX XXXX XXXX I dont have an account with XXXX XXXX Account number XXXX balance XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
We contact the company and let them know that we have an account for {$9.00} and stop charging us for {$100.00}. 
I disputed it with my bank after XXXX made three attempts to draw the money ( capital one ), I was told by capital one that theres a block is made and for us the change our card. We did that and was informed by capital one the the dispute was resolved and that to notify them of any more problems. In less than 24hrs XXXX  withdrew the money from my account when contact capital one I was transferred from departments to departments. After spoken to someone whom I thought was from the fraud department told me that the block to my card will take two billing circle and that they are not responsible for my card being charged every month for the {$100.00}. I let them know that thats a new card being shipped and is already being billed and its not in our possession. Capital one stated that it out of their control, that XXXX contact master card for our new card number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2018 my vehicle was totalled at the time the accident happened I owed {$33000.00}, my insurance company sent a check for the value of the vehicle, which was {$14000.00} leaving a balance on the vehicle at the time of the accident of {$17.00}, XXXX. My gap insurance then sent in a check for the balance of {$17000.00}. 
From the time of the accident, until the insurance company paid the claim, I continued to make car payments. When the gap insurance check reached SunTrust bank they had converted to Truist and the balance of the vehicle was significantly lower. I spoke with the gap insurance company and they said I would receive a refund for the payments made after the accident. 
Truist has told me that they received the insurance check on XX/XX/XXXX, XXXX, but won't apply it to the remaining balance, and won't give me a reason why. I've made complaints with the XXXX and, their customer complaint department, and the response has been they will look into it and give me a call. Over a month and I haven't been contacted, when I call Truist I still get the same answer. " Yes we received the check but don't know why it is not being applied to the remaining balance '' I tried to get approved for a new vehicle, and was denied, because Truist now has charged off the balance and that has hurt my credit rating. 

I have no idea what to do, Truist has a check from the insurance company and won't cash it, my credit rating has dropped so I can't purchase another vehicle unless I get a higher interest rate, and I have a refund for payments I made after the accident, that is not being reimbursed.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: PA
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:
Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that estoppel hender americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank 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 explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: ID
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:
On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. 
According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. 
I notified the XXXX credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. 

Experian first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX XXXX XXXX. I also informed the Experian reps that I was not able to reach a support person from XXXX XXXX / XXXX with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. 

After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The Experian agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, Experian 's online system for submitting paperwork ( www.experian.com/upload ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! 

Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX  AND XXXX XXXX XXXX but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX Bank and they were also not able to reach a person by calling in. 

XXXX / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. 

XXXX XXXX And XXXX XXXX CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). 

I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-12-01
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For several years now, I have had a XXXX XXXX debt appear and disappear on my credit report which has prevented me from getting credit cards and has damaged my credit. I have received phone calls from collections agencies in the past trying to get me to claim the debt. I have also received letters from debt collection agencies trying to get me to pay the debt, sometimes at a discount. I have disputed the debt in the past and had it removed from my credit report, but it keeps coming back. 

I have never been contacted by XXXX XXXX directly about this debt and I have never been a XXXX XXXX account holder myself. When I contacted XXXX XXXX in the past they told me that they can not do anything since they already sold the debt to a collections agency. 

The most recent debt collection agency that has contacted me is McCarthy, Burgess & Wolff on XX/XX/2022. 

I tried to apply for a credit card during the last week of XXXX and was denied due to this appearing on my credit report. I have started a dispute via 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 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I went to XXXX XXXX XXXX to look at buying a new vehicle. I told sales person i only wanted my credit ran 1 time so i wouldn't have multiple hard inquiries on my credit report, now Im seeing at least 5 or 6 finance company on my report for the same day that my credit was ran at XXXX XXXX, that the only car lot I went to and only company I had run my credit. Can I have these hard inquiries removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX took {XXXX} out of my business Via ACH on XX/XX/2021 from Bank America XXXX XXXX XXXX XXXX XXXX ). Which I am the owner of I have been to the Bank very often and to date nothing Has been done. The bank knew it was fraud I was in the bank when it happened XX/XX/2021. I called XXXX XXXX and was told if I did not have an account with them there was nothing they could do!!! 

And so I am reaching out to you for help. I have a case number with bank of America I have a fraud report also but after 6 months of trying I don't know what else I can do. 

Your help would be very much appreciated Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX yes I would have no problem talking about this problem

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 2022-06-07
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have this debt with the XXXX but i have a payment plan and I never fail to make a payment. This company I tried to explain to them regarding this issue and they don't let me to talk the scream to me and also used profane words to me they don't let me talk, they make me feel that I am a criminal. The name of the company is Phoenix financial services. the date of service was XX/XX/2018 owned amount {$490.00}. the hospital name is XXXX XXXX XXXX XXXX XXXX current creditor XXXX XXXX XXXX XXXX. I don't own this amount I already paid that amount with the hospital, and they don't want to listen and give any fax number or email where to send the evidence. They reserved to be demanded

Company response to consumer: Closed with explanation