BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Delivery Financial Services, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received two collection accounts from Delivery Financial Services on all three credit reports. I never received written notification about these debts. Debts were added XX/XX/21 XXXX for {$100.00} and one for {$100.00}. Both debts were paid off directly to the Lender, not the collection agency. I called XX/XX/21 to ask them to remove these from my reports as I never received any information. They claimed they sent 3 letters, I never received anything in regards to the medical provider, XXXX  XXXX. No dates were provided as to when they sent the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reference complaint XXXX I have received the creditors response in reference to my complaint. The creditors response is not accurate. Also, the document that was attached to the response can not be opened unless it is opened with a password. I do not have a password and the agent representative I contacted at CFPB today was not able to open it as well. Please provide documentations that can be accessible to everyone. I am requesting to see information MG Credit claimed to have sent me as validation. On XX/XX/XXXX at XXXX MG Credit received the certified letter that I have attached requesting validation of the debt. As a consumer I have requested proof/contract with my signature that binding me to this debt. I requested several proofs for validity and in writing. I requested the information to be sent via mail within 30 days. Nothing was received. Speaking with a representative from the MG Credit in XX/XX/XXXX I was not going to provide information to someone over the phone that I did not know whom I was speaking to. I requested MG Credit to send me proof of who they were and the account that I had with them. The letter was sent a few days later. I contacted MG Credit to discuss the account further. I sent the certified letter to cease contact and provide validity. I requested the following for validation. If MG Credit can not provide me with validation I am requested this collections account be removed from all three credit bureaus immediately. 

At this time I am asking CFPB to investigate this company and violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I have rights as a consumer to know if this creditor has anyone proof of this account. Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX, XXXX, XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX, VA 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 2020-07-20
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. U S DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2022-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A fraudulent account was opened in my name with XXXX XXXX XXXX and it can not be verified as valid or my obligation. I have enclosed proof that the company has fraudulently opened and sustained the account under a false dealership 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: CURO Intermediate Holdings
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I paid off this loan in XXXX, and now they are trying to sue for more than the amount of the original loan. I paid them {$460.00} on XXXX after calling them to ask for the pay off amount on the same day. Never defaulted before I made this payment. After the payment they were still making withdrawals ( 4 in total that were disputed with my bank ) bank decided to give me a new debit card in XX/XX/XXXX. Then speedy cash sent me to a collection company which put it on my credit report. Disputed with credit bureaus, and provided my bank statement with the email showing payment in XX/XX/XXXX, and it was removed from credit report. XX/XX/XXXX they reported it again to my credit report after removal. Disputed again, and never received validation of debt after dispute process. XXXX of XXXX the filed to have me sued in court. Provided the same proof, and now they are saying I falsified documents. Which is very insulting since I went to the bank to get my statement on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Autovest, L.L.C.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have attached XXXX affidavits both notarized as well as letters and examples of laws broke. I want this removed from my consumer report and i want my cash downpayment as well as any other payments i made to this fradulant account. This needs to be removed from my account as you 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 explanation
Consumer complaint received 2020-07-20
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I paid Target Credit Card off in the amount of {$260.00}. On XX/XX/2020 interest of {$5.00} had been added, which should have been included in the {$260.00}. I am just now being informed that Target has reported my to my credit bureau for these charges and others that show {$1.00} on my statement for no reason whatsoever. 

This is the second time Target has did this and reported. When they email statements, it shows no balance on it at all so they are able to do this fraudulent tactics. I have contacted them the first time to take it off of my credit and they refused to do so. Now, this is the second time they have did this, paying off my card to a {$0.00} balance. I owed nothing on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card for Nordstrom was opened by someone posing as me. I became aware of it when it appeared on my credit report. I reported it to XXXX, but they told me but they denied my dispute. Now the person that has opened the account has not paid and it is negatively impacting my credit report.

I need to get this rectified and the Nordstrom card taken out of my name. There isn't even a Nordstrom store anywhere near me. The delinquent amount is {$440.00}. Looking for help in rectifying this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX XXXX I checked my Chase checking account online to see what my available balance was. I noticed that the balance was extremely lower than expected By thousands of dollars. I checked the transation activity and discovered several entries of transations that I never made. 
The charges were XXXX debit charges made from XXXX for XXXX each totaling {$3900.00}. 
I called chase immediately and reported it. I was told that they would investigate the charges, in the mean time they would replace the money back into my account. also a new debit card would be sent out by XXXX to me to use and I received the new card, and they removed the charges. 
on XXXX XXXX I presented my debit card at the grocery store and it was denied. 
when I called chase I learned that the credits was reversed after a investigaton even though I did not make these charges. 
Chase never told me or in any way reveal to me that the credits was temporary pending their investigation, advise my of the status of their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NY
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
This is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me 30 days past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: GA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX CT XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received all chargebacks requested but lingering dangling interest charges remains to be resolved. 
Interest charges as follows : XX/XX/XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, {$4.00} In credits given : XX/XX/XXXX : ( {$40.00} and {$1.00} ) ; XX/XX/XXXX, ( {$0.00} ), XX/XX/XXXX, ( {$.00} ) By my calculations Capital One owes credit of XXXX + XXXX - {$0.00} - {$0.00} = {$8.00} ( CREDIT DUE )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have been contacted and harassed by a couple companies that I do not owe money to. Additionally, The credit reporting agencies won't remove it since the debt collectors have not conducted a proper investigation and just confirmed it is mine and they have not responded to me in the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: WELLS FARGO & COMPANY
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: Add-on products and services

Complaint:
My mother, XXXX XXXX XXXX ( now deceased ) received two checks from Wells Fargo because of a legal dispute and settlement with the Consumer Financial Protection Bureau and the OCC. The first check was for {$8300.00} ( tracking # XXXX XXXX. The second check was for {$1300.00} ( tracking # XXXX XXXX. 
I contacted Wells Fargo to let them know my mother was deceased and they stated they would reissue the checks ( from two different departments ) but they would need a copy of my ID and a copy of my mother 's Will. 
I sent them a copy of my social security card, drivers license, marriage license showing name change and a copy of my mother 's Will. 
They have still not sent a check for the {$1300.00}, stating there are other names on the Will. 
XXXX XXXX XXXXdeceased XXXX XXXX XXXX XXXX XXXX-my brother ( to receive cash that was in my mother 's saving account only. The remaining estate to be divided between my sister XXXX XXXX and myself. 

The first check was sent to me XX/XX/2020 in the amount of {$8300.00} in my name and my sisters name. 
I have made numerous attempts to contact my sister through email, phone and text. She will not respond to meet me at the bank to cash this check. 

My complaint is : When I contacted Wells Fargo to have them cancel the check for {$8300.00} and reissue two checks, one to my sister and one to me, in the amounts of {$4100.00} each, they stated they can not reissue the check. I asked them if I'm just out {$8300.00} and the representatives response was YES. 

The second check for {$1300.00} is still being evaluated due to multiple names on my mother 's Will. 

I would appreciate any guidance you can offer in this matter. 

Thank you, 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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted 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 explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation