BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, TN ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a XXXX XXXX   visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an XXXX XXXX visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have XXXX my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out yesterday XX/XX/XXXX that a company called Enhanced Recovery CO L has reported to the 3 credit agencies that I owe {$1200.00} because of a bill from XXXX XXXX XXXX mobility. I contacted XXXX XXXX XXXX and they deny that I owe them that money and that it is a fraudulent charge. The company Enhanced Recovery CO L,  called me late in XXXX and after the discussion it was my understanding that they understood it was fraudulent because I don't own a XXXX XXXX XXXX mobile phone and haven't for many years. After that I never heard from them by either phone or mail. Yesterday I checked my credit report and saw that they reported the collections and 5 missed payments seriously damaging my credit. As I mentioned earlier, I never received anything in writing from Enhanced Recovery CO L. They posted that I missed these payments XX/XX/XXXX to XX/XX/XXXX. Efforts to reach them by phone led me to a phone with no voicemail box that would not let me even leave a message. There contact information from XXXX is as follows : Enhanced Recovery CO L XXXX XXXX XXXX XXXX, FL XXXX XXXX My contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Agency RECEIVABLE MGMT SVCS LLC Original Creditor Name XXXX XXXX XXXX I cancelled my car insurance with XXXX  because I had gotten insured by XXXX. My account was a XXXX balance and provided a screen shot of the balance to XXXX  when I cancelled the account, then they came back said the account had a balance which they could not justify How they reach that amount, so I still paid the balance. Paid {$100.00} dollars- It turns out that after they said it was removed from their collections department they still are reporting as XX/XX/2020 to XXXX  completely erroneous information on my credit file. This company needs to be stopped, so many complaints and abuse towards the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted transunion through a certified letter in XX/XX/2018 asking for written validation of a collection reported on my credit report. I received a letter XXXX XXXX stating the results were verified and accurate and updated. However I did not receive written verification of the debt validation. I contacted the collection agency as well and still have not received the proof of validation. Therefore the debt needs to be completely removed off of my credit reports.

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 2018-04-22
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via XXXX and US Bank. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.

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 2018-06-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018 I was obsessively checking my online banking account with chase because I had used it at XXXX and XXXX XXXX and my husband had sent me {$40.00} to cover the charges through XXXX. I wanted to make sure that the charges will still pending so that when the XXXX XXXX deposit would hit at midnight it would be covered. I went to bed at like XXXX and noticed they were still pending so I said good they wont post until tomorrow, perfect! The next day I woke up with 2 overdraft charges because 2 checks ( one for {$6.00} and the other for {$11.00} ) that I had given to someone over a month ago. I called chase to ask them why those checks were not on my online banking the day before if they were cashed during the day. They said theyre system does not show checks until XXXX the day of and that if I didnt want an over draft I had to make sure theyre was money in the account by XXXX the day the checks were deposited. I explained to them that how was I suppose to know that the checks were gon na be cashed that day. Also if they want people to deposit by XXXX the day the checks were cash why dont they post it in their online system before XXXX so that a consumer can know! Or if they want to continue posting the checks cashed until XXXX they should allow consumers to make a deposit the day after. This is unfair, abusive and deceptive because the consumer does not know the checks have been cashed that day because chase wont allow them to see the checks until XXXX which by the way half of their consumers are already asleep.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.

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 2021-02-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank took a payment check which was written out for deposit to my wife 's Citi account and applied it to my credit card. 
They agreed, in a tape recorded conversation, that it was their fault. 
When I requested immediate payment, on XX/XX/21, they said that it would post to my bank account in 2 or 3 days. 
When it did not post till today, ( XX/XX/21 ) I called. They said that the original information was false and that nothing would happen till XX/XX/21. I asked when the process would be completed, they said no guarantees. 
Two different supervisors agreed, in tape recorded calls, that they could not provide a check. Second one was today, XX/XX/21 XXXX # XXXX. 
There is nothing to research or investigate by Citi. 
There is a clear paper trail of a mistaken payment by them, and they agree that that its what happened. 
Please force Citi to change its practices so that immediately begin to process a check when this happens to someone else. 
If I stole their money ( {$15000.00} ) and told them that I would return it when it was bureaucratically convenient for me, I would be in jail for it. 
My credit card that the money was mistakenly used to pay down the amount owing is XXXX XXXX XXXX XXXX. My money was withdrawn from my XXXX XXXX Checking ending XXXX. 
Please let me know if I can provide further information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-05-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly. It is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XXXX of XXXX. Also, they are reporting Lates Starting XXXX of XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 customer service

Complaint:
Not to mention that when I did call, the XXXX on the other line asked me every verifying question there was. It got to the point where I asked them '' do you want my blood type too. '' I bring this up because I feel this was XXXX. You are only supposed to ask for 2 verifying questions if someone comes in unverified. I feel they did this because I'm XXXX and I guarantee they don't do this to everyone or they would have many more complaints.My dispute is with Capital one credit card. I signed up for a free trial with XXXX and when I went on their website to cancel the subscription I could not because the page was no there. So I called capitalone and they gave me the phone number. I called that number and the number was non working and that number directed me to the website for issues. So after that, I called capitalone to dispute the charge. I called in multiple times and finally got it fixed. Then the next month I received another charge from XXXX. This was not supposed to happen because capitalone should have blocked the merchant. I called capitalone one again several times to complain then I received a notice stating that I will be charged the XXXX for the XXXX purchase that I did not make. I canceled. The I called a few more times and had to wait a half hour or more for a representative. Then they told me that another letter went out saying that I do not have to pay this charge and I have yet to receive this letter. This is ridiculous I should not have been charged again. I had to get a new charge card and block the merchant again. XXXX is the charge made on XX/XX/XXXX an XX/XX/XXXX. I called several times and received this treatment from several agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on this date XXXX the following credit bureaus have not responded to my investigation it is now over 45 days later. I demand that they investigate and remove all inaccurate and erroneous items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Experian Information Solutions 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:
XXXX  am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 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 explanation
Consumer complaint received 2020-08-29
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CONVERGENT OUTSOURCING, XXXX XXXX XXXX, and XXXX XXXX XXXX . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONVERGENT OUTSOURCING, XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2021-05-03
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Hello, On XX/XX/XXXX I purchased a fridge from Lowes. I opened a credit card on that same day and paid {$700.00} dollars on the credit card at the Lowes store in XXXX, New York. I was paying down the fright monthly until I decided to cancel the purchase of the fridge. The total amount I paid towards fridge was {$1500.00}. I put in a request to have the money that I paid down returned to me but Lowes only sent me a check of {$770.00}. That is not the full amount of what I am owed. I have called Lowes customer service repeatedly and have not gotten a response. I also called Synchrony Banks customer service. I went into the store and spoke with to the Operations Manager for Lowes in XXXX, New York. Her name is XXXX XXXX. XXXX promised me that the situation would be resolved in week. I attached the chain of emails showing we were in contact and she stopped responding to me.

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 2018-04-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a single late payment over 7 years old to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit report and say that Commonwealth Financial Systems is negatively reporting a debt that was previously removed by the credit bureaus for the past year. Now Common Wealth Financial Systems is reporting the {$200.00} debt again stating that it was just opened on XXXX XXXX, 2017. This is a common illegal practice of to try to re-age old or removed debts and I have become their victim again. I was not properly notified by mail five days before Commonwealth Financial Systems about the debt before reinserting this onto my credit report and I would like it removed immediately. My XXXX credit score has been drastically reduced because of their ill practices and its all because Commonwealth Finanical Systems is practicing unjust collection attempts. This is not fair that I have had to send countless of letters to the bureaus and even recently to remove this erroneous dent and I decided to use my consumers rights and ask for the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification today that Northwest Collections added a collection account to my credit file for {$110.00}. It shows original creditor XXXX XXXX, which I assume is a medical bill? Ive never had any business with this original creditor and even if I did It would have been paid because I have HMO insurance which cover any cost at 100 %. I have a primary care physician thru my HMO. I have never heard of this collection agency either. I havent received any letters, nor calls. This is a bogus debt that needs to be removed immediately. Its very upsetting these people would try something like this during a pandemic

Company response to consumer: Closed with explanation