BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-01-19
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I needed to send Euro XXXX to a hotel in XXXX that did not accept credit cards. 
Before sending the money, I carefully researched the alternative methods of sending the money and determined that Transferwise was cheapest. 

When I made the payment, I was offered the choice of having the money charged to my bank or credit card account.I was told that there was a small additional charge for using my credit card. I thought it worth it to earn air miles. At no time was I warned that my credit card might levy additional fees. I find I have been charged an additional {$22.00} cash advance fee by my credit card.

I called my credit card. They say that they are entitled to do this under my credit card agreement. This seems likely correct. The Transferwise case is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-01-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i did n't have any knowledge of this debt under my name. Do n't know if my family use my alias to go to the hospital but i can tell you one thing that is was n't me. calls after calls after calls kept harassing me

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 2018-01-19
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report. On my report it show a collection account for receivable performance for {$82.00}. I never received anything stating this was being placed on my file or that I ever owed this debt! Because I did not recognize this account as being mine I sent a certified letter asking for VALIDATION of this debt to the collection agency on XX/XX/XXXXwhich was received by a representative of the company on XX/XX/XXXX. I requested that this debt be Validated within 30 days of receipt of my letter.. and if they were unable to send Validation Per the FCRA guidelines the alleged debt should be removed from my credit file. I have the right to have a alleged debt validated. As of today i have not received any communication from the collection agency. Per FCRA if they can not validate this alleged debt I must be removed as a account on my credit file because it doesnt belong to me! I am now asking that the information be removed from my file as the debt has failed to be validated. I am trying to obtain financing and this black mark has been detrimental to my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: The Outsource Group, Inc
State: MO
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 disputed this debt at the end of XX/XX/XXXX, they sent a letter dated XX/XX/XXXX saying they are investigating the matter and they need additional information from me. However, there should no additional information required from me, if they decided to report inappropriately on my credit report. Another letter was received dated XX/XX/XXXX saying their investigation proofs the debt is valid. I sent a debt validation letter dated XX/XX/XXXX requesting validation of the debt and not verification. The letter was received XX/XX/XXXX and I have yet to receive the requested documentation. They are unable to comply with FDCPA as I have have to right to request validation of the debt you say I owe you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was approved for deferred/forbearance on my Chase Visa Signature card for 3 months. 
They charged me interest and would not refund me the interest charge even though I paid the card off in full even approved for deferred payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I noticed that an account linked to my phone had several mobile deposits. The account is for my daughter, but she was a minor when the account was set in motion, she is now a grown. I questioned my child an told her that she needed to contact the bank because of a fraudulent activity. However, I went to the bank ( Capital One ) and from there was notified that a scam had a occurred. The first deposit was on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX.I spoke to the fraud department on XX/XX/XXXX and was told they will open up an investigation and needed to gather more information from my daughter. Since then on XX/XX/XXXX the bank have locked my account ( me and spouse account ). All funds coming in the account can not be touched. My husband deposits are being withheld and he have nothing to do with any of this. I understand their saying that I 'm on the account as well so I 'm responsible, but I did n't have anything to do with this occurrence and I 'm the one who reported it. My daughter agrees that she is responsible for what happen. Is there anyway that she can sign something holding her only responsible and not myself or my spouse? Seriously it is a sad situation when the good have to suffer for other people actions. Since, I been with Capital One my banking relationship with them have been great, no problems at all even when they had mess ups I continued with them. I have bills that will not be paid because of this problem. Can you please offer some assistance please!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Atlantic Recovery Solutions 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:
XXXX. Received phone call from Atlantic Recovery Solutions. They stated that I owe debt to XXXX XXXX with XXXX XXXX. I XXXX XXXX was put as an authorized user on XXXX XXXX XXXX card. Authorized users per the guidelines are not responsible for debt owed. The debt collector kept stating that XXXX is a co-signer but failed to provide proof of that. They failed to provide proof of the original bill showing who owes the debt. I never had a physical card either. They have made threats about court and judgements placed on my name. They have called multiple family members in an attempt To collect XXXX XXXX debt. XXXX also contact them to set up a payment arrangement yet they still Placed my name on the validation letter. Furthermore, if I owed this debt to XXXX XXXX why was I never contacted about this debt since its from XXXX and it has never been placed on any credit report. Please see to it that this complain gets resolved this collection agency utilizes nasty and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: HW Holding, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hunter Warfield is a collection agency for XXXX XXXX XXXX.They are fraudulently and incorrectly stating on my credit report incorrect date opened or dat of service. I would like to appeal date of service when i occu ] ied residence. I move in the apartment homes at XXXX XXXX in 2010 i  gave a 60 day notice and move out. It still showed as an open collection account. I will like to have them verify my signature on the contract that i signed to where this is not legal. To keep reporting a substantial amount of XXXX owed as past due. Which should allow my monthly payment amounts on the contract that doesnt even show on 2 credit reporting agencies. This dishonest action has caused me to be denied credit for a home for my family. By appealing this request to verify Date of service, wriiten contract and signature allow me to provide a warm safe home for my family.

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 2021-12-07
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: Personal information incorrect

Complaint:
I did contact Equifax to move all my ITIN credit history to my new SSN. They told me I should send a letter asking for this with a copy of my important documents, I did it on XXXX, they told me to wait XXXX business days, so today XX/XX/2021 I did call to check if my information has been updated. Their answer was that they don't know exactly what happened to my documents, that they have a machine that read and process whatever is received via fax, and that in the majority of cases, the machine just can't read the ugly fax documents and just like that, in silence, the documents are now lost. They told me there's no way for them to know what happen to the documents and there's also no way to post a complaint, as they are the only ones available to take customers, they were not able to raise a complaint also, so basically it's a dead-end... please help. 

They told me to send the documents by fax, again, and again... and I did ask, why? to be rejected again? but the guys there are like recorders, they just say this time after time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So we get this collection from XXXX XXXX XXXX on our credit report that dings our score we have done a dispute the credit reporting companies find in our favor and remove the credit from our credit just to have XXXX XXXX XXXX sell our debt ( thats not ours ) to a diffrent collection company so we dispute again and win XXXX XXXX XXXX keeps selling our debts to diffrent collection companies every time we get it removed from our credit. It has stopped.us from purchasing a motorhome. It has recently ding3d our credit from XXXX to XXXX XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: MO
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 collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

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 2019-07-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My husband and I have been customers of Prestige Financial for almost 6 years. In the beginning we have had a hard time paying this loan because of the fact that the payments were too high to begin with. At times they have been gracious in extensions and discounted payments. For almost a year we have been dealing with harassment for payment in the most degradable and despicable actions by their account managers. To me they seem to get a rush of satisfaction from this behavior. I can honestly say that the only person who has shown us respect were the repossession specialist. Over 8 months ago my husband had a XXXX XXXX XXXX, he is still suffering from that and has to have more XXXX. I have recently been diagnosed with an XXXX  XXXX that was coincidentally caused by XXXX. My husband is already on XXXX  and I am 7 months into my application for it. I understand that it is an attempt to collect a debt however this is and has caused XXXX  XXXX  and XXXX. Not to mention that when I told the account manager to wait until XX/XX/2019 to take a payment out he didn't heed the warning and he totally over-drafted our account twice and the bank won't give us the money back. These tactics must stop before they cause irreversible damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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:
On the consumer report, there is incorrect information and fraud accounts that were made without my consent. They were multiple inquiries that were without my knowledge.

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 2021-12-07
Company: Goal Structured Solutions, LLC
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Launch Servicing , LLC is slandering my credit reports, claiming that I owe several thousands of dollars on a student loan THAT I NEVER TOOK OUT. I had APPLIED for a student loan with this company nearly 3 years ago for a XXXX XXXX XXXX XXXX course that I WAS going to take and I was approved for said loan ; however, there were MANY red flags about the online school that I was planning to enroll in, the most concerning of which was that I discovered they did NOT have the proper XXXX accreditation that was needed. Had I not completed a course that was XXXX accredited, I would not have been able to obtain employment as a XXXX XXXX. Therefore, I immediately CANCELED my enrollment in this course and NEVER TOOK IT. However, for the past 2 years, Launch Servicing , LLC has been falsely reporting to the credit bureaus every single month that I have not paid them and they continue to tack on illegal fees to inflate the balance. 

Launch Servicing is in direct violation of the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. They have been made fully aware that I DO NOT owe this debt, yet every month, this company is repeatedly communicating incorrect and defamatory information to third parties, including, but not limited to XXXX, XXXX, and XXXX. This false reporting has reduced my once excellent XXXX score of XXXX to XXXX and it continues to drop as a result of these incorrect missed payments being reported monthly. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages in that I am unable to obtain new credit and I was even turned down for a job that required a credit check as a direct result of this incorrect reporting. There are MANY complaints against Launch Servicing , LLC relating to credit reporting/collections and even a lawsuit that was filed against Launch Servicing this year in XXXX, XXXX XXXX Launch Servicing , LLC et al ( https : XXXX ). 

I am now demanding the immediate and complete removal of this account from my credit reports. If your company XXXX Launch Servicing , LLC ) fails to comply, you will be required to appear in a court of law and I will be allowed to seek monetary damages from your company.

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 2021-09-07
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A Federal Perkins Loan was established in XXXX for myself. I completed my higher education in XXXX of XXXX and my loan was then eligible for payments in XX/XX/XXXX. Any time I received a bill in the mail, I paid it, via check in XXXX. This is shown in the enclosures that I made payments in XX/XX/XXXX to cover XXXX & XXXX of XXXX as well as XX/XX/XXXX to cover XXXX and XX/XX/XXXX. To the best of my ability, I do not recall receiving any other statements or past due notices in the mail. I also did not receive any emails or phone calls stating I needed to make a payment. When receiving a bad address notification, due diligence was not performed on behalf of University Accounting Services and I was not contacted via any other method with the information on file. My phone number and email address as of XX/XX/XXXX are still accurate. The information of this loan being delinquent and being reported to the three main credit bureaus as such is inaccurate because I did not receive notification that I had payments to make or that my loan was past due. I received 4 years of unfair late charges due to this diligence not being performed and not being notified of this loan still being open. UAS continued to submit information that was known incorrect, I am entitled under these laws to notices concerning the reporting, handling, and use of my credit information and was not notified of the negative handling of this account, another violation under the CRA. UAS failed to notify me when it supplied and continued to supply negative credit information. This would have been detailed in a billing statement but referenced above, they were not received, and all of these violations would have been avoided, had due diligence been performed on behalf of UAS in getting in touch with me. The company has not complied with my request to have this negative information removed from my credit report, even though I paid the full {$1300.00} on XX/XX/XXXX, including over {$350.00} of unfair late fees accrued over 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: OH
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 submitted a dispute against the account on my Equifax report for Ohio Department of Human Services '', which is my child support payments. I have disputed this multiple times with XXXX being my latest dispute with Equifax. This one I submitted in writing through mail with confirmation receipt which is attached. 

My problem with the account as evidenced in 2 of the attachments showing the account on my credit report is that it is showing late and missing payments and also being in collections. 

I have attached a letter from my case manager and my full payment history with the Ohio Department of Human Services, showing I have never missed a payment since my divorce was finalized. The arrerages shown is due to me being in court for 1 year and not having an order finalized. I have been making extra payments and have the arrerages paid off. Never once missing a payment as it shows in my credit report. 

I have disputed this multiple times with Equifax with proof of my payments and every time I get the same response received the last time I disputed this with the CFPB. They ignore my evidence and say the account was verified. I have also attached the letter I sent Equifax the last time I disputed requesting this account corrected. 

I want this account shown with no missed payments and no collections activity on this account as there is not and never was missed payments or collections on this account. 

Equifax is required to report the accounts correctly and if not I will be forced to take legal action against Equifax to have the account updated correctly and for damages. 

Thank you in advance.

Company response to consumer: Closed with explanation