BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: R.M. Galicia, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Progressive Management Systems has contacted me numerous times in a day, often using threatening language and insisting I secure additional credit to pay the debt that is " owed '' to them. I have not been able to verify the original debt from the creditor- as I was making payments to the original creditor directly. Additionally the balance that I would be responsible for and have agreed to is solely the balance for services rendered. Progressive Management Systems is insisting I also pay them an additional interest of 8 % - which was never once agreed upon nor was there a contract signed that stated this agreement. Additionally there have been threats to my credit report and been told on numerous occasions from Progressive Management that unless the balance is paid in full ( including the interest rate that was never agreed upon ) this will not be removed from my credit. Their practices are illegal inappropriate and they are using false and misleading information to collect their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-16
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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2021-03-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Account satisfied / not owed / not mine falsely and repeatedly reported. Equifax denies I am the complainant and does so repeatedly to avoid accountability of regulators in violation of license and law. 

No moneys owed. Attached find record indicating same. Yet no documents contrary to nothing owed or substantiating complaint have ever been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my loan using a cashier 's check, i took time from work and paid money for a cashier 's check and mailed it express which also costs money because when i talked to them and asked about the fastest way to get the title release to sell the car they told me this is the way. They say they will process and release the title when they receive the check and that takes UP TO 4 DAYS. They received my mail on XXXX and processed it on XXXX ( as shown on my dashboard ), i talked to them every day and every day they would say it hasn't been 4 days, after the 4 days they started the excuse with the COVID. They released my title on XX/XX/17, that's 10 working days, that's 2 full weeks, how is that acceptable? Why is that ok? I did my part and paid my load and they don't want to do their job. I lost the seller that i had because of them.

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: LA
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:
Again, I have been a victim of fraudulent activity and this is another request to remove the information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account and information not later than 4 business days after XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information the Credit Bureaus provided on some accounts and information are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. By the provisions of the Fair Credit Reporting Act, I request that the Credit Bureaus remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX These accounts and information were never authorized on my behalf thus I am disputing these and be removed from my Credit File. These accounts and information have caused me damage I am looking forward for these accounts and information to be removed without delay. As much as I appreciate the Credit Bureaus previous action and have some of the disputed accounts and information removed, I am a bit disappointed seeing these accounts and information still being reported without proper verification. Please help me resolve these matter the sooner the better.

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: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was a co-signer for a car that after signing the paper work I found out that Santander stated they did not need paystubs to verify if the person could afford payments. I called them to report that the car dealership had made up paystubs and that's when Santander stated no paystubs needed. Well the person defaulted and I ended up taking the car as of XX/XX/2020. I have been making on time payments since. My issue is that when a balance gets lower so should the interest rates but that is not the case. Since XXXX the interest rates varies (? ). I called them today and they could not give me an answer for this. They are predators! Please see below the statements since I have taken over in XXXX. These people should be investigated for allowing false documents be overlooked just so they can make money and victimize innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For my JP Morgan Chase United Credit card, I was offered an option to set up a payment plan ( My Chase Plan ) on one of my charges at XXXX percent interest for 24 months. The plan was started on XX/XX/XXXX for an original principal of {$7300.00} for XXXX XXXX ( XXXX for my dog ). It was to include 24 payments at XXXX. 

With the Payment Plan, the company allows you to pay the monthly payment plan amount ( XXXX ) plus any additional " new '' charges so you don't incur any interest. I pay my credit card every month to avoid interest charges. 

On XX/XX/XXXX, my travel agency charged an airline ticket in the amount of {$10000.00} for a work-related airline ticket. The cost of the ticket had exceeded my credit limit on my work credit card. But on that same day, XX/XX/XXXX, the travel agency cancelled the ticket ( and I was credited {$10000.00} ) as they found something cheaper. I was then able to use my work credit card for the final ticket. 

Chase Card then took the a portion of the {$10000.00} credit and applied it to My Chase Plan which again was " XXXX '' interest. In essence they wiped out the payment plan which I had 2 years to pay at XXXX interest instead of applying the credit to cancel the original charge. And now when my statement closes on XX/XX/XXXX, I will have to pay {$9600.00} or else pay interest. The " credit '' I received should apply to the actual charge, not the payment plan. Basically they inticed me with XXXX percent interest, and had I known they would have done that I would have used a different card. The " My Chase Plan '' is misleading consumers should they be able to unilaterally apply credits to the " Chase Plan '' as opposed to the actual charge the credit is intended to offset. I asked them if I could set up the {$10000.00} charge on a payment plan with XXXX percent interest for which they said no since I don't owe that much on my card. This will now force me to transfer the balance to another credit card and incur a 5 % fee ( but that is only if that bank allows me to do so ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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: Account status incorrect

Complaint:
I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, Equifax and XXXX. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a dispute to Transunion on XX/XX/XXXX. It was concerning an old medical bill that had been paid by insurance in the amt. of {$120.00}. I did not hear anything from them. So on XX/XX/XXXX I sent them a letter telling them that I had not heard anything and I wanted it removed from my credit report immediately. On XX/XX/XXXX they notified me that they completed the dispute and it is staying on my report. On their own web page it clearly states that if they fail to complete the dispute within the 30 day period ... ... it would be removed!

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 was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these 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 2020-12-04
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased earbuds from XXXX in a credit bases online from the XXXX website. Later in a month I was decided to pay off and got to the same website but couldn't find my account details. I tried to call them no way to get in touch at all. I sent out email and nobody was returning it at all. After a months later, they sent out a bill with penalty to pay and get a phone call to pay them amount with interested, I refused to pay penalties but willing to pay the full amount in my purchase. Then they screwed up my credit and get denied my refinance application because of it. At the end I found out that they have another website which is totally diff. from XXXX. which they claim are financing to XXXX ( XXXX ) where they were expect me to pay for. To make it worst I called the number in XXXX account statement bill and they told me that it's TB Bank which create frustration and how the customer service is handling all the billing paying access difficult. I have spoken XXXX and XXXX from the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resource Management Acct # XXXX stated I owed XXXX. This was paid back on XXXX/XXXX/2018 by XXXX due to the driver being at fault in the car wreck. They refused to give me a bill. I had to spend 3 hours at the hospital getting the bill to show this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Trojan Professional Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I saw a collection account on my credit, it was reported as a {$0.00} out of {$0.00}, which was confusing, so I disputed it, because I remembered the account representative told me the account would be deleted from my credit after I paid it. After I saw it on my XXXX report, I sent the credit bureaus a dispute and since then, I've been living a nightmare. They deleted the account from XXXX, only to reinsert it the following month, only with a balance that I had already paid. They then sent me a full listing of the medical billing information with no HIPPA disclosure, again attempting to collect a debt already paid. The item remains on my credit with a balance today, and they continue to attempt to collect the debt via email and phone calls, even though I paid it, and it was deleted from my credit. I'm sure they are violating all sorts of rights granted to me under the FCRA and FDCPA. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
Sent Experian 3 letters trying to resolve this incorrect information on my credit report from XXXXXXXX XXXX  Acct # XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023. ( The one from XXXX the responded in less than 15 days which shows me the did not investigate nor furnish proof of accuracies, I have attached the response ). I requested proof of the debt and proof that the information is accurate because it is not accurate and does not have accurate consistent information such as Open date, last activity date etc. Experian replies with debt is accurate with no proof in addition to the information remains incorrect which inhibits me from receiving credit and when I do credit its extended its at a higher rate. 

I have included a recent 3 bureau Credit report to show proof of inaccuracies and it also illustrate this discrepancies in information between all three Bureaus which none of the 3 bureaus have been able to show proof and especially show information with accurate open dates and last activity dates. I have also included the three letters I have sent them. And also the generic letter they sent me without furnish proof on the accuracies.

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 2018-07-26
Company: Receivable Management Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My oldest child XXXX XXXX was in a significant accident on XX/XX/2016. She was taken to XXXX 's hospital because of the severity of the injury and kept overnight with emergency XXXX the next morning. The accident occurred in a gymnastics center in the area. Not only did XXXX have medical insurance and coverage supplied through her father 's employer she also had additional coverage for catastrophe by XXXX XXXX XXXX. I have been constantly harrassed about a bill from this medical group because they did not file as requested by both my husband and my self for the additional coverage. I have documentation of all correspondence with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. This company is fraudantly trying to ruin my credit by insisting that I pay them money they have already been paid and that I do not owe as insurance covered all expenses in full. XXXX XXXX XXXX turned this into collections and it in no way has anything to do with me! Again, simple solution they are covered in full, XXXX XXXX XXXX has copies of the bills and correspondence was that if XXXX XXXX provided them with the specific itemized bill it would be paid. Companies like this collection agency should not be allowed to exist when they have complete control over getting paid. This is harrassment to attack my credit report, continue to call my phone etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX. I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.

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 2020-05-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried for several years now to obtain my free annual credit report from all 3 agencies. I tried again today and the only successful report was through XXXX. Both XXXX  and Experian attempts failed through XXXX. I also attempted to obtain them directly from XXXX  and Experian via the online method and by calling the customer service number for assistance. I am unable to reach an agent and none of the options offered lead me to an agent. The information I've been given with the unsuccessful online attempts is not sufficient and does not allow me to resubmit, assuming it's an address error. I just receive a message that I can't request my report online at this time. In the past, I've attempted to request a report via mail but gave up when I didn't receive a response.

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