BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
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: Investigation took more than 30 days

Complaint:
In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX  account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received a letter or bill from the financial debt collector. I've made numerous attempts to have this company properly validate the debt. They have failed to provide any valid documents bearing my signature which is required by law. In return they have sent documents with certain details which are a violation of HIPPA Law. After notifying them of their violation, they have neglected to respond to any of my communication attempts. It has been over 90 days now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
A chase visa through Amazon was opened under my name, not by me. I mistakenly paid the first charge for a nominal amount of money. Thereafter 2 charges totaling over {$300.00} showed up on the bill. I called Chase, and they put me on with Amazon who tole me that the charges were fraudulent. Chase asked me to sign a statement which I did. I did not hear again for over a year, after which time, Chase told me that since I paid one bill, that shows that the charges were mine, and I owe them. I asked them on numerous occasions to tell me what was ordered and where it was delivered. They told me that it was too old, and they could not provide me with that information. 

I then got a letter from Chase indicating that I owed nothing and my statement would reflect that. 

Since that time, I have received another bill, with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello - I was on auto bill with my utility provider XXXX XXXX XXXX XXXX. For the last bill, I guess they decided not to auto bill and I was not aware of this. They passed the debt to TransWorld with erroneous contact info. 

Transworld told me they tried to call a phone number that was not mine ( I have had the same phone number for over a decade, so unsure why or how ). They also sent a letter that went to my neighbor during the lockdown. It sat on her kitchen island until she found it cleaning one day. 

The day my neighbor delivered it, I called Transworld and paid the bill. In spite of never receiving notice of the bill, due to the poor business practices of the utility provider and TransWorld, I have a negative mark on my credit. 

Other than this incidence, I have NEVER had a delinquency on any bill. Even as this delinquency was on-going, I was paying credit card bills that were 50 times as large. There is no logical reason I would not have paid this, had they made me aware. 

I am now in the process of applying for a mortgage for a new home and this has dropped my credit significantly and will cause me significant financial harm. 

Can you help me get this removed? Also, what legal rights do I have to recapture the losses XXXX additional cost ) I will have due to their poor business practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by Allied International about an invalid debt. I work in construction safety and I answer all calls in case of an injury or incident. I notified the caller that I was at work and I could not take non work related calls and told them Im available after 5 Monday to Friday. They said they would call me back. Today at work I received another call. I informed the caller that the debt was invalid, I received and sent them a letter stating that, and that I was at work and could not take non work related calls. They refused to listen and kept going on. I repeated myself and they started talking over me and I hung up. I hate being rude but the caller from Allied International would not accept what I was telling them and wanted to continue bothering me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Reference : Capital One Mastercard # xxxx, closed by consumer last year, due to the preference for a different rewards card. I had made a deposit for a cruise on XX/XX/XXXX of {$600.00} to XXXX XXXX on this account back when the account was open. The cruise was cancelled on XX/XX/XXXX, by the cruise line due to Covid-19, and I chose the option of receiving a full refund with the cruise line, which would be paid in 60 days. The service, a cancelled cruise by the cruise line, was never provided, and they never refunded my deposit or balance paid on another card, XXXX. I then sought reimbursement from Capital One, initial {$600.00}, and XXXX which the balance was purchased on. XXXX credited our account immediately but Capital One will not send the paperwork to file the dispute. 

I spoke with a representative named " XXXX '' on XX/XX/XXXX, at XXXX. XXXX stated Capital One will send a packet immediately, in order to provide the details of this dispute. After a week, I called back and explained I haven't received the packet, and they asked that I wait 2 weeks. I just called today XX/XX/XXXX, spoke with XXXX, and was told it would be 30 days before I would see this packet to file a dispute. I fear this particular company is employing a stall tactic. 

Background on the cruise line not crediting my account : On XX/XX/XXXX, XXXX stated Your Refund Reference Number for this request is xxxxxxxxx. Your refund will be processed within 60 days. I have reached out to XXXX and the travel agent, XXXX XXXX XXXX but with no success. I then contacted Capital One for the {$600.00} placed on this card. Per card conditions, since the services were never provided, the credit card should be crediting my closed account for {$600.00}. 

I am asking that Capital One credit my account for {$600.00} and subsequently send a check given that I closed the account last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
shows multiple credit inquries on my credit report which I don't know nothing about. and I tried disputing multiple times but no help. and my there 2 account in collection one in XXXX and 2nd XXXX XXXX XXXX XXXX i didn't open these account or had any knowledge about these account these are fraudulent accounts

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue.

After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and XXXX will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question.

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please 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 2021-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  did a hard inquiry on me. I did not apply for any credit from them. I dont shop there. I tried to call them and get it resolved with no response and it's still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my XXXX In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
They didnt fix the problems they said the would on my credit report. Also told me not to close a credit card that I maxed out. Said it wouldnt help my credit and they would fix it. They said the would get late fees off my account and didnt. I had them from XX/XX/XXXX to XX/XX/XXXX. I would call to cancel but they talk me into having it longer that they needed more time. I recently called to ask for my money back because they didnt fix any of the problems on 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 explanation
Consumer complaint received 2020-08-26
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To whom it may Concern : I spoke with XXXX with M & T Bank on XX/XX/XXXX at XXXX thru the customer support line. He informed me that I needed to write a letter and fax it in regarding my concern and solution to fix my credit reporting. 
In XX/XX/XXXX, I was diagnosed with XXXX XXXX XXXX XXXX and forgot to pay my mortgage. In XX/XX/XXXX I started my treatment and my focus was on my health forgetting to pay my mortgage once again. My wife in XXXX took over paying all the bills which were my responsibility. In XX/XX/XXXX, she made a double payment to make us current. Not realizing we needed to make three payments to bring use current. At no time was I contacted by the mortgage company to inform us that we were behind. In XX/XX/XXXX, my wife went online and noticed we were still a payment behind and made a second payment on the XX/XX/XXXX. 
This week, I took the bills back over and tried to figure out what had happened. I am now writing this letter to ask for my credit report to be amended and show payments were made on time from XX/XX/XXXX to XX/XX/XXXX. My suggested solution is two part. First part, would be to make an additional payment ( {$1000.00} ) or make a payment in the amount of the fees ( {$690.00} ) on XX/XX/XXXX. Second part, would be to set-up an automatic bill payment though M & T Bank on the XXXX of each month to ensure no late payments in the future. In return M & T Bank would report to all credit bureaus that all payments from XX/XX/XXXX to current are all made on time and current and provide a letter stating so. 
If, this solution is not sufficient or you have questions or concerns please feel free to contact me on my cell phone at any time to discuss. 
After sending this letter on XXXX, XXXX, XXXX. I was informed on XX/XX/XXXX that no such department existed with M & T Bank and that it was my fault for not finding the mistake earlier. I was given the option to fall behind on my mortgage and then they could fix the reporting. I also received a letter XX/XX/XXXX stating that it is not their policy to fix reporting errors. 
If you have any questions, concerns or more documentation please contact me via email ( 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 2021-03-29
Company: Resurgent Capital Services L.P.
State: TN
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 am receiving debt collection letters from Resurgent Capital Services L. P. trying to collect a debt that I do not owe. Someone used my information to open an account with XXXX XXXX, XXXX. XXXX XXXX has turned the account over to LVNV Funding LLC who in turn have apparently turned the information over to Resurgent Capital Services. I have written them and advised them that the debt is not mine but they refuse to take measures to remove the information from my credit report. I want the information removed from my credit report. It is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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 recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from XXXX XXXX dated in XXXX. In XXXX, I was XXXX  years old and have never done any business with XXXX XXXX or any of their affiliates. I contacted XX/XX/XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
*** Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2018-07-30
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX at approximately XXXX the office of McCarthy McCarthy Burgess & Wolff contacted my mother on her personal cell phone about a " purported debt '' I owed. She asked them to quit call. They knew it was my elderly mother 's phone when they called. They had no reason to call that number were not given the number by me. She immediately stated the name of her company, which intentionally sounds like a law firm trying to make my mother think I was being sued. When my mother asked if she was a law firm she said, NO a debt collector. She is not suppose to be talking to my mother about debt collection. 

This is their tactic to embarrass me regarding the debt and harass my mother. They need to be punished to the fullest level that the law allows.

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 2021-03-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax ; XXXX XXXX XXXX are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Harley Davidson Financial Services Inc
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I called Harley Davidson Credit on XX/XX/2019 to inquire why my XX/XX/XXXX payment had not been processed yet. The person I spoke with could not even tell me if they had received it yet. Receiving no help in this area, I then asked about a late charge of {$66.00} on a payment of {$1000.00} credited on XX/XX/2019 for a {$540.00} payment due on XX/XX/2019 which included a {$46.00} late fee. She said she could not credit the charge back to the account because in the past payments had been made late. I told her it was unfair to charge a late fee on a payment that was not late. Also this payment brought all principal, interest and fees current before XX/XX/2019. Also billing statements do not describe how and when late fees are assessed or how much is owed on the account. I would appreciate any help you can give me in recovering my {$66.00}.

Company response to consumer: Closed with explanation