BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XXXX XXXX XXXX ). We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is XXXX back in XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a XXXX and his hospital bills were paid by the XXXX XXXX because he was given a rating of 100 %. 100 % means XXXX XXXX is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. XXXX XXXX PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XXXX XXXX, XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XXXX ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX  XX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( XXXX ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX  XXXX XX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXXXXXX XXXX, XX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( Collection ) - XXXX Bank, Account # XXXX ; {$3000.00} ( XXXX ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX Bank XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my name XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions. 

Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXXXX ; ( Inquiry ) - XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXXXXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXXXXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( Collection ) - XXXX XXXX, Account # XXXX ; {$3000.00} ( Transferred ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX XXXX XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my name XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions.

Please remove from my 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 2022-01-15
Company: Experian Information Solutions Inc.
State: NY
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:
These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 3 ) a Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services I have been adversely affected by these blatant violations to federal law on my consumer reports by violating the clear exclusions provided to me by law, for these alleged debts : XXXX XXXX XXXX Account # XXXX Instructions : Delete my non-public personal medial information from my consumer 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 2022-01-15
Company: CarMax, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I obtained a loan with Carmax Finance and paid it off in XX/XX/2021, upon paying it off, it still shows on my credit report with a balance. Since, I refinanced my car loan with a different company it appears that I now have 2 car loans active. I called Carmax and was notified that they had an update to the system which they were not able to confirm if it would be accurately reported to credit so decided that no reporting would be better. I have had to file a dispute to get this corrected and then have to send a letter once corrected to have the dispute removed. It is my understanding that companies are required to report the status of a loan, which in this case they did not and are requiring that consumers call in to have this corrected and this is a known issue and is of no fault of the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed the following collection accounts on my credit report that does not belong to me. 

XXXX XXXX XXXX ... XXXX ... XX/XX/XXXX Caine & Weine XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$XXXX} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control. 

This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : 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 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my TransUnion credit report and saw some inquiries I did not authorize. Following advice from TransUnion, I wrote letters to each of the creditors on the account requesting they provide me with verifiable proof the inquiries were mine and are legal. It is my understanding that the Fair Credit Reporting Act, 15 U.S.C. 1681g gives me the right to review all documents in my account at the time of request that is being reported on my credit report. I also understand if they accounts can not be verified, they should be removed immediately from my report as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Unfortunately, the letters to the creditors are unsuccessful, as have the multiple phone calls I have made to them. None of the creditors replied or provided me with verifiable proof of the inquiries as required by law. I have now asked TransUnion to remove the inquiries, but the TransUnion reps have been very rude to me during my attempts to resolve this matter, including yelling, hanging up, and failing to respond to my questions ( they merely repeat what was previously said ). The failure on their part to protect my credit report has me deeply concerned as to the other information they are not protecting. All I am asking is for them to contact the creditors that initiated the inquiries and have them removed if they can not provide verifiable proof. Since the creditors are not responding to me, I feel TransUnion should do their part in protecting my information and reach out to them. My husband and I are trying to purchase our first home, and the unverified inquiries on my TransUnion reports are affecting my creditworthiness. The following inquiries are unverified and I have provided the dates in question : XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX via XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX CA XXXX/XXXX/XXXX Please contact TransUnion to get this matter resolved quickly. If you have any questions regarding this claim, please do not hesitate to contact me via email or USPS mail. I look forward to hearing from you with the matter resolved.

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 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a credit card issued by Bank of America and closed the account when I went abroad in middle 2015. However, someone charge an amount to this account after the closure and I was not aware of the charge and collection for years until I was back to the country in XXXX this year. I contacted BOA but they don't have any information about the charge other than the amount plus interest is {$64.00}, because the account has already been closed as per my request. But they commented that others can still charge to this account even it was closed. And I didn't receive any communication by phone call, mail or email when I was abroad. 
The collection and late payment are reported to all 3 credit bureaus and have huge impact to my credit scores. In order to minimize the impact, I paid off the balance in XXXX. I also filed dispute with credit bureaus about this record. But BOA simply updated the status as paid-off without deleting the late payment and collection records.

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 2021-04-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company auto charged me for {$75.00} fee for annual club rewards. This is a Corporate card and I'm no longer with the company and so the account is closing I'm 60 days. 

I've called and requested a partial refund. I was informed that Diners Club doesn't reimburse or prorated these fees. I requested documentation to support that policy. I was talked to rudely from that point and placed on hold for 40 minutes before suspeciously being disconnected.

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 2017-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
New Address : XXXX XXXX XXXX XXXX XXXX  XXXX recovering from Hurricanes in XXXX. 
main home hit. 
pls. work with us during recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account has been locked by XXXX. They locked it over some netspend cards that supposedly bought years ago. I was not notified in writing about any outstanding balances that needed to be paid or any warnings that if not paid my account would be locked. I am not even sure the accounts are mine. I have called several times and I continue to get the same answer that when I agree to pay, my account will be unlocked. I went ahead and agreed to pay but I'm still waiting for any change. I have been told by several representatives to wait 24 hours for change. The supervisor claimed to send an email to the " recovery department '', that doesn't have a phone number and can't be contacted by anyone in the company, stating this was an emergency and needed to be escalated. It has now been 24 hours and I spoke to XXXX in the disputes department and she said I should wait longer but there is no guarantee. I stated " this can't be legal and that I plan to call an attorney '' XXXX stated they respected my decision. I am filing a formal complaint because I feel this is fraud and something should be done about this company!

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 2017-09-11
Company: EQUIFAX, INC.
State: NY
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:
OUTRAGEOUS! How Equifax gets away with such LAX reporting to the XXXX XXXX + customers who 's private information was breached. Did they report this to a government agency and the American public was never told? A XXXX up perhaps? 

What is the point of free credit reporting? Why do these agencies yield such power over my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called Capital one twice, once in XX/XX/XXXX, and again in XX/XX/XXXX. I called because I was not receiving the rewards points that were shown on the advertisement of the credit card. I was to receive 3x 's the points for using my card on my phone bill, and 5x the points if i spent any on the XXXX XXXX. However i have not received my points, even though i was told the issue would be fixed. I even contacted XXXX XXXX XXXX about the issue who redirected me back to capital one. 

I have attached my bills since XX/XX/XXXX to show my transactions, and prove that i used the card for my phone bill and one XXXX XXXX transaction. I also included my points from XXXX XXXX to show that i am only receiving XXXX point for every XXXX. I also included the advertisement of the card from capital one. 

When I went back to do the math it looks like they tried to fix problem in XX/XX/XXXX and gave me the points i was owed but then the ball was dropped and i was going back to receiving only XXXX point for every XXXX even though i continued to use my card for my phone bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TX
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 noticed XXXX XXXX XXXX on my credit report. This account was placed on my credit report in error. XXXX  XXXX XXXX... Date the account was opened XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 noticed XXXX XXXX XXXX on my credit report. This account was placed on my credit report in error. XXXX  XXXX XXXX... Date the account was opened XX/XX/2014

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 2017-09-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am on the list of potentially affected consumers under the Equifax Cybersecurity Incident 2017. Please know that I want Equifax to be held responsible if my credit or financial state is negatively affected by this case. 

Please also place an initial 90 day fraud alert on my file, at Equifax, XXXX, and XXXX. 

Thank you! 

P.S. Every member in our family came up on the potential list ... so when you contact me, I will want this procedure followed with all of our accounts.

Company response to consumer: Closed with explanation