BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Professional Debt Mediation, Inc.
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I moved out of the XXXX XXXX XXXX  on XX/XX/XXXX and received a receipt that I had a XXXX  balance. Then when I was trying to lease a new apartment, the new apartment leasing agent said that I had a balance of {$100.00} owed to XXXX XXXX XXXX. I went to XXXX XXXX XXXX  on XX/XX/XXXX and asked what this {$100.00} balance was for. They could not find any balance owed yet they had sent me to collections for this {$100.00}. The collection company is Professional Debt. I paid {$100.00} to XXXX XXXX XXXX  even though I didn't have a balance with them, but I needed to get into my new apartment. I have attached the receipt that I received from XXXX XXXX XXXX  on XX/XX/XXXX showing I had a {$0.00} balance plus the {$100.00} paid that I didn't owe. Both the collection and the balance of {$100.00} are being reported to all 3 of my credit reports. This Professional Debt collection should have never been reported to my credit reports at all. Below is the address for the collection company. 

PROFESSIONAL DEBT MEDIAT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Revco Management, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting collections from an XXXX XXXX  visit at XXXX XXXX. I am a military spouse and have insurance but they did not bill properly or send mail to my address. They sent to my mom and she said she only received a final notice. Ive been in contact with them and my insurance company. Yet I am still getting phone calls. Even the day I had my XXXX XXXX XXXX removed and XXXX XXXX  and couldnt talk due to XXXX. It is causing much unneeded stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: Source Receivables Management LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full, I continue to get daily calls from them. When I explain it was paid in full they say " we will close the account ''. I just spoke with a rep. who was again very rude, when I ask to speak with a supervisor she said " no problem 5 times '' and yes this should be recorded. When I spoke with the supervisor ( Mr. XXXX ) he said that someone was " dropping the ball '' in the office and not closing the account. I said that sounded like an internal problem and ask if I would continue to receive calls and he said " until it's closed. Every person I have spoken with there is very rude, also per the Company the messages were recorded. Dates of calls XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018, I sent Cavalry a cease of communication letter, which they signed for ( evidence attached ) because Cavalry has ignored my 7 attempts to validate debt claimed owe. Instead, Cavalry has repeatedly sent me countless automated letters. I continue to receive harassing mail from their XXXX, NY address, after I have requested them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Inquirer Name : CAP ONE XXXX  Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for credit cards and loans under my name, they even stole my mail from my house, they even made payments on some credit cards, i never applied for capital one credit card in 14 years because i don't even use my credit anymore because of this issue, i can't make it better they always apply under my name, they ruin my life because of this but for last time I'm trying to fix my credit, i have never applied for any of this, i never authorize any of this inquires even if you do investigation and everything matches still doesn't mean i did it, please remove this 6 inquiry from my credit report. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy on credit report and i recieved a letter from the court and they said don't report to any credit bureaus at all, all 3 credit bureaus is reporting this without permission, the courts didnt tell them to, if they are wrong they meed to delete it from my report, are they breaking any reporting laws please dind out for me 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 explanation
Consumer complaint received 2020-05-09
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a charge off from XXXX XXXX XXXX ( XXXX XXXX ) that was settled for about 50 % ( {$490.00} ) of the amount on XX/XX/XXXX. The payment was made on that day which closed the account out. This was paid directly to The XXXX XXXX XXXX before it ever went to collections. 

On XX/XX/XXXX. Midwest Recovery Systems placed a collection account on my XXXX and XXXX credit reports for the amount of {$850.00}. Reporting the account as open and unpaid. 

Midwest Recovery Systems has never sent me any collection letters before they added the account to my report or after. 

I have attempted to contact them via email and their online messaging system in vain. I have also left a voicemail. I have not heard back from Midwest Recovery Systems. 

So in the end Midwest Recovery Systems added a collection account to my credit reports without ever reaching out to me or trying to contact me AND they are trying to collect on a amount that was paid to the orginial creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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: Information belongs to someone else

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2022-08-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 at XXXX XXXX XXXX, I requested a domestic wire transfer of {$30000.00} from my Chase checking account to XXXX. Normally, it takes only a few hours to wire transfer. The Chase customer service representative reviewing my wire transfer stated that Chase is reviewing my wire transfer and it will take up to 1 to 2 business days. The Transaction number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2020-06-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. XXXX XXXX XXXX has change the original date, loan amount and account number with XXXX, Exquifax, and XXXX. XXXX XXXX may have sold or sharing the account with XXXX. I believe this is against the law under fair credit report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: General Motors Financial Company, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
When I attempted to turn the vehicle in at the local XXXX XXXX at the end of the lease, I was told that I needed to make an appointment to have the vehicle inspected before surrendering the vehicle. I made several appointments and missed time at work showing up to appointments and told that the inspector was not there. A few months after I turned the vehicle in and told the dealership, I could not afford to keep taking off work for this. They did not inspect the vehicle until a few days later. I was charged for additional lease payments that I did not incur due to several inspection appointments that GM Financial missed. When I surrendered the vehicle I asked for paperwork that I dropped it off and the condition and was told that their computer system was down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2021, I submitted an application for a Hilton Honors American Express XXXX XXXX ( ref. no. XXXX ). Several days later, I received a letter via USPS from American Express informing me they wanted to verify my total income, and as such I was to sign and return IRS 4605-C so they could obtain my tax transcript. That same day, I completed the form and returned it to AmEx using their upload portal. 

A week later, I checked the status of my application on AmEx 's website and saw my application was still in processing. I called AmEx to inquire if the documents were received, and I was told they were and to check back a few days later for an update. When I checked on XX/XX/XXXX, I saw the application was still in process so I decided to contact AmEx. 

When I contacted AmEx on XX/XX/2021 at XXXX EDT, the representative told me my application was declined. I told her that the website says it's still processing, and she asked me to hold so she could check further with he back office operations. After holding for a few minutes, she told me they were processing my application as I was on the phone. I remained on hold another 10 minutes or so, at which point the representative returned and told me my application was denied because the income I stated on my application was not consistent with the income revealed from IRS transcripts. 

On the income disclosure part of American Express ' application, it specifically states, " include all income available to you. '' Prior to completing the application, I contacted AmEx New Accounts and asked what this meant, and I was told that I should reveal all income that is regularly deposited into my bank account or joint bank account. As such, I stated my income to be {$120000.00} per year. My personal income portion of the {$120000.00} is approximately {$28000.00}, and the remainder is my husband 's income which is deposited into our JOINT checking account. When I submitted the 4506-C to AmEx, I included copies of bank statements reflecting this additional income. 

AmEx 's reasoning for declining my application is not justified considering I did exactly what was asked and answered the income disclosure question honestly and transparently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
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: Information belongs to someone else

Complaint:
There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following accounts are showing Inaccurate Late reportings : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) Bal : {$150.00} ; I was never late. 
XXXX XXXXl - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX   & Equifax ) ; Bal : XXXX ; I was never late. 
XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX  ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Westlake Services, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased new XXXX XXXX XXXX  back in XXXX XXXX XXXX  from Westlake Financial. Due to my divorce I lost my home and my credit went downhill. I had no choice but to purchase this car. I believe the interest rate is at 26 %, I recently looked up how many payments I've made since I've purchased the car. I have made over {$17000.00} in payments since XXXX of XXXX. My balance is still at {$16000.00}. How could this be? I need help. I am on XXXX and I can not afford to keep making these payments. I feel I've been taken advantage of. I have made my payments on time except for when my payment date was changed at my request and the payments apparently were 30 days late. I also had to defer a few payments. But as the creditor can see I have been extremely consistent in making monthly payments of {$450.00} a month. Now being XXXX XXXX XXXX and on XXXX. I need all the help I can get. I have contacted Westlake Financial and they said they don't refinance. I went to XXXX XXXX XXXX where I originally purchased it to maybe trade it in but they would not do this. Please help. 
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 explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 called in to Transunion on XX/XX/2020 about fraudulent inquiries on my credit report. Someone from another state had stolen my identity. Transunion were ones that deleted the address off of my profile from the person that stole my identity. After hearing about how they cant dispute inquiries, a supervisor finally said XXXX go ahead and submit a dispute for those fraudulent inquiries. I reached out to all those companies that had pulled my profile and they told me to contact Transunion. I called in today, 30 days later for a representative to tell me, they no dispute was filed and the representative only reached out to those companies from the fraudulent inquiries, but none of the companies responded. Its always lie after lie with these credit bureaus.

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 2020-06-26
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 filed a complaint with Equifax detailing that an account from XXXX XXXX  On XX/XX/2020 confirmation number : XXXX It found the account was not mine and said it will delete this didnt happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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 am intrested in disputing all incorrect information on my credit report with transunion that is hindering my file.

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 2020-11-04
Company: CU Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had previously requested that CU Recovery do not contact me at work. They violated this request today, XX/XX/2020 at XXXX XXXX CT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted evidence to Transunion 30 days ago showing that my report has erroneous payment history for XXXX XXXX. I only had 2 months of 30 day late payments in 2018. The rest of the months should be reported as paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Porsche Financial Services, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
The terms of the lease were unclear to me prior to my signing the lease. Despite my many efforts to ask questions about my lease, I was a continually brushed off and my questions dismissed. I am not satisfied with Porche Financial nor the terms of this deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a motification loan that i was doing to lower my payment that the company in question kept making mistakes on causing my loan to be reported late. They kept telling me that they were taking care of it only to have nothing done and late pays continually showing up on my report. I own a car dealership and because of the problems caused by this company to my credit they reduced the amount of cars that i could offer at my dealership which essentially has forced me to close my doors. I have tried to resolve this issue with the company many times but nothing has happened. 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 explanation
Consumer complaint received 2018-04-18
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX a voicemail was left stating I needed to call this company back so they could send me a certified letter. I called back and a woman told me I owed money from an old debt. She stated if a payment was not made by XXXX then they wpuld sue me and a court cost of {$2500.00} would apply. I told her i would have to call her back. I looked on my credit report and called the actual company that this debt came from. They stated the debt was paid in full in XX/XX/2013. This company 3 way called the " so called '' debt collector. The woman got flustered and hung up. This was a horrible, scary, and time consuming experience. I would never want anyone to deal with this scam. It seemed real! The company i had paid the debt in full told me this was most likely a scam. XXXX XXXX XXXX was the scam company here is there info : XXXX  Ext XXXX XXXX

Company response to consumer: Closed with explanation