BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
It was XX/XX/2017 when I was rushed to the ER at XXXX Hospital. Few months after, I received a billing statements for the collection of payment with the amount of {$760.00}. I asked for financial assistance from the said hospital ( XXXX ) due to lack of income and school finances. Few months after, they sent me a mail saying that they XXXX  my balance. Which means I do not owe the Hospital a payment no more. The good thing is, the problem has been solved. On the other hand, I lost the mail that the Hospital sent me which they confirmed that my balance has been XXXX. 
Thus, third-party companies such as XXXX XXXX , XXXX., XXXX XXXX XXXX., etc keep on sending me a mail which indicates on the letter that This is an attempt to collect a debt. with the same amount of balance of ( {$760.00} ). First, I am wondering, why different companies are trying to collect this amount of balance. Second, I do believe that it is inappropriate to indicate on a letter the sentence ( s ) If you have an income tax refund, perhaps you can use the proceeds to pay this account. It is disrespectful and ridiculous. It sounds very desperate. These are the things that need to be cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: NC
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 XX/XX/XXXX, my wife and I sent a letter to the credit bureaus, asking them to investigate errors that were on our credit report. I am attaching a copy of the letter that we sent. Its been more than 30 days, and we have not received responses yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reach out to XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXXXXXX XXXX XXXXXXXX letter XX/XX/2023 and then on 2nd letter XXXXXXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXX XXXX XXXX XXXXXXXX letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX XXXX letter XX/XX/2023 and filed a dispute through XXXX. 
Other accounts were removed do to the identity theft but these additional have not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX never received a first payment when credit card was open has different name and address. 
XXXX XXXX had a different name, address and was not able to find my account information with my correct information till I provided to them in the first letter. 
XXXX had a different name and address and was remove from XXXX but not from XXXX. 
XXXX XXXX was sold to another lender and had a different name and address as well. 
XXXX has also been contacted regarding Hard inquiries that I did not authorized and I have sent them a letter and filed a dispute on line and I have not been able to get them removed. They also have different addresses and name. I requested additional information but the only response I get its that the it belongs to me. 
XXXX and XXXX that I have not requested credit.

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 2018-11-27
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the  XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH 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 2022-09-06
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My XXXX XXXX XXXX on XX/XX/2021. She had been receiving Social Security payment into her Direct Express debit card issued to her through SS. When she XXXX, I notified SS to let them know so they would not issue any more payments to her debit card ( I did not want to have to return the money ). 
Direct Express closed her account which had apox. {$1200.00} in the account. Because SS issues payment for the previous month, none of that money had to be returned to SS. 
In XX/XX/2021, I sent a letter to Direct Express asking for the balance her Direct Express sent me a letter XX/XX/2021 stating there were no funds in the account to be disbursed to me and just referred me to SS. 
I contacted SS about the funds, and they said they did not show any funds being returned. They did not offer to call Direct Express to settle this problem. 
After several back and forth calls to both Direct Express and SS, I never have gotten any information where the money went or when it was taken out of the Direct Express account. 
I am attaching the last letter ( sent by reg. mail ) to Direct Express summarizing my demands for information concerning the missing funds. I NEVER GOT A REPLY. 

There is no way funds can be taken out of a bank account without a complete XXXX XXXX of where they went, time or date. 
Please help me resolve this money that was due my XXXX and our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
PROFESSIONAL MED ADJ BUR is trying to collect {$430.00} & {$260.00} from when I was pregnant and had XXXX. I have given them my XXXX card # and told them that I have medical assistance then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: LendKey Technologies, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
LendKey services is negligent in their duty to handle private student loans. I don't have exact dates ; however, on 4 occasions -- once in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the website showed that I owed {$0.00} for my next bill due on the XXXX of every month. Come the XXXX of said month ( around that date ), I get a deliquient loan notice. The first time I thought it was my mistake, but it keeps happening. The company always takes off the late fee, but it messes with my time, finances and mental health to always have to call the company to advise them of their mistake. It's amazing that during a pandemic a company would willfully do this to its borrowers. I have been told many things from the company including that the website doesn't show accurate information ( how not?? ), that I should know what is due every month and shouldn't need an accurate minimum payment statement to keep my account current, and that minimum payment due balances disappear up to 48 hours before the due date ( why???? ). I'm tired of wasting time on this company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my XXXX was filed XX/XX/2015. It's past 7 years now. this derogatory acct needs to be removed immediately. this has been removed off XXXX. I also have XXXX fraudulent inquiries that I have been disputing since XXXX have NEVER had this many issues with any other credit reporting company. I would like this to be escalated.

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 2018-07-09
Company: Visio Financial Services Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I took out what should have been a short term loan until I sold the property. However, this has turned into an issue where I have been unable to pay off the loan. The company keeps adding renewal fees to the loan each year and capitalizing the amount to the loan balance. The interest rate is very high. I have tried to pay this off to no avail. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have an inaccurate status on my credit report. I have tried disputing it several times with no prevail. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting my case 180 days past due. The problem is, I have not missed a payment in almost 2 years. The problem is with experian, and XXXX XXXX XXXX  XXXX XXXX XXXX. My job directly takes the monthly obligation out of my paycheck every two weeks per court judgement that was mailed to them when i first started working there. This is directly effecting my credit score and giving me a bad 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 2023-04-14
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I lost my job at no fault of my own. I have been current with my mortgage since XXXX. Due to this hardship, I am 30 days late. 

I obtained employment on XX/XX/XXXX. The position pays XXXX annually. I will be making a full mortgage payment this month on the XXXX. After this payment I will still be 30 days delinquent. 

I reached out to Shell point and explained my situation. I spoke with a person named XXXX XXXX. To better identify her I have provided her email XXXX She said to notify her when I gained employment. She didn't take anymore information on my hardship or even review it for available options. 

I then spoke with another agent who told me I could not be offered any programs until I was 60 days late. I asked her why I would do that when more than likely I was getting a new job and would be able to make my XXXX payment. Her response was they is the policy. I found this troubling that a company would not provide any hardship assistance until I was 60 days late. 

I then spoke with another agent that said I had to make a payment plan and was not eligible for a hardship forbearance. She said that was not an option and they don't give those out for unemployment. 

I then spoke to another agent who told me to submit a hardship letter via email and they may be able to put the past due amount on the back of the loan.I did this yesterday XX/XX/XXXX Today, I called to follow up. The agent told me I was not eligible to have the past due amount put on the back of loan. She said a repayment plan of XXXX a month is what I would need to make. I told here I am recovering from a job loss and it would put me in yet another hardship. I told her I was making a good faith effort by making my payment this month. That did not matter to her, She said no one can make them change there policy. 

I have been threatened with stacking up late fees continuous for the past due amount and door knocks, I am only 30 days past due. I do not think it unreasonable to put the past due amount on the back of my loan. They are putting me in a position that will result in possibly losing my home. 




I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
I called and sent out letters letting both companies XXXX XXXX XXXX and XXXX XXXX letting them know this account was fraud and not my account.

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 2022-05-31
Company: Point Digital Finance, Inc.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Original application was submitted XXXX XXXXNo communication on what is needed for next steps causing important documents we are sending in to expire and having us reapply and resubmit the same documents. It has been a little over three weeks with all final Task being completed and we were advised to wait for next steps. Reached out today and was advised by the rep once again my documents have expired and needed to reapply to be considered.Have asked multiple reps within the past month to escalate my matter with a manager or someone higher up and still have not received any communication.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Block, Inc.
State: MD
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:
I received a fraudulent 1099 form for tax year 2021 from a company at my home address, with my social security number. The company is Block , Inc., f/k/a Square, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I called the company, it was stated they sent the 1099 because I owned a business. I have never owned a business. I am XXXX yrs. old and XXXX I let the customer service person know and told them I was filing a complaint with the Federal Trade Commission immediately. The form stated : in box 1a on form 1099 Gross amount of payment card/third party network transactions {$1000.00} and listed the number of payments as XXXX. The filer 's TIN XXXX : XXXX, the 1099 indicates payment amounts of $ XXXX - $ XXXX - $ XXXX - $ XXXX & $ XXXX. The account number applied by this bogus company Block , Inc. f/k/a Square IncXXXX to my name is : XXXX. Over 25 yrs ago I had my identity stolen, it was a horrible experience. I don't ever want to go through that again. Please investigate this company and stop them from sending out fraudulent materials to seniors. I'm very upset they have my complete address and social security number, this is frightening

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Radius Global Solutions LLC
State: NC
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 tried to contact this collection company, in reference to XXXX, XXXX asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$1300.00} is mine. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX report permantently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: CA
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've just seen my credit report for the first time, and I see all the inquiries that I do not recognize. I'll list all of them here.

1 ) XXXX XXXX XXXX : XX/XX/XXXX : Never applied for Credit.

2 ) XXXX XXXX XXXX  : XX/XX/XXXX : Never applied for Credit.

3 ) XXXX XXXX : XX/XX/XXXX : Does not use XXXX. We use XXXX.

4 ) XXXX XXXX XXXXXXXX & XXXX XXXX XXXX : XX/XX/XXXX - it has 2 hard pull inquiry on credit report. Please combine into one, as two of them incurred on the same date of XX/XX/XXXX. Bought only one car.

5 ) XXXX : XX/XX/XXXX : Do not recognize this entity.

6 ) Furthermore, I only have 4 XXXX  Credit Cards, and on the Credit Report, it lists 6.

Please delete 2 of 6 inquiry.

Lastly, thank you for your help.

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 2018-02-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX is reporting a remark on my XXXX, XXXX, and Experian reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a credit card for my business. I closed the credit card account in XX/XX/2023 and Chase Bank is still allowing charges to go through on a closed credit card. I just received a statement with new charges from XX/XX/2023. I have contacted them about this and they tell me the account is showing as closed. 

I had a personal credit card through Chase that I closed in XX/XX/2023. They still allowed charges to go through after I canceled the card and I had a bill and late fees come to me in XX/XX/2023 for purchases made in XX/XX/2023 on a closed card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-01
Company: Experian Information Solutions 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:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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