BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: Medical Data Systems, Inc.
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i don, have no knolwed about this account and lke almost all hospital or health services the actually have a no payment plan that like i know it wasnt me this collecction most to had being payed and the collector is trying to charge for something that i dont have knolweg. so i want the to send me on my email all the documents that was used on the that of this services original copys. like all information that identifies me as the owner of this debit, ss. dob. tel # .. address.the actual condicion tgat i had to have to trean for this services and the main signe contrat from that place of services. and a nother thing eany document that i had sign with this collection agency saying that i have the wright to pay this debit or the sign contrac saying that i am the original owner and that i accet eany terms an condicion. another this if they don have all the proof so tell them to remove completelly this fake collection of my credit report thak you. 


my email 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 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX was paid off b/c it was hurricane harvey it was a least all lease has gap!!!! 

FTC report and police, hacking

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 2022-02-28
Company: Kikoff 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:
My identity was used to open at fraudulent account at Kikoff lending, it looks like {$24.00} was loaned and never made a payment and my credit score was hit for XXXX points. i noticed all this on my XXXX XXXXXXXX XXXX. Kikoff makes it very difficult to contact them. I reported on XXXX but the dispute remains. ( # XXXX ) I don't know what to do at this point. Kikoff dos n't have a phone number and do not respond to email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a XXXX loan for my business which was deposited into my checking account with Capital One Bank they froze my account saying that I am not entitled to my loan which was two deposits the first drawer was XXXX on XX/XX/XXXX the second drawer was deposited on XX/XX/XXXX for the amount of XXXX. They have since told me the funds are going to be sent back in which they have taken XXXX for a SBA grant received in XX/XX/XXXX and I have no idea where those funds went and they will not tell me. I know have XXXX in my bank account they are holding and drawing interest on. I reached out to the lender where the funds came from and they have advised me that they funds are mine and there is no way that the bank is going to return the money to them it is almost 2 months since that have frozen my account. I need what is rightfully mine the bank needs to be dealt with. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This item was removed from my XXXX  credit report. Its wrong. Delete item. Also, I wasnt contacted about them putting this item on my credit report. Before placing item on report the person should be contacted. I wasnt. Remove and delete item 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have XXXX business days to block this information from my file. This request was NOT made in error. I, ( XXXX XXXX XXXX XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). 

... ... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.

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 2022-02-11
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
All about related EQUIFAX DATA BREACH c/o Legal Administrator XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
XXXX Defendants are all EQUIFAX Inc , Services & Consumer them has being rejected my file affected by the data breach XX/XX/XXXX said : does not exist my SS file affected at the breach dated, is not accurate because my SSN exists on the XXXX XXXX targets at the breach fighting against Identity stealers. I am a Victim fighting against mistakes of Defendants. 
2.- Why Legal Administrator Law Firms ask Defendants if my case is valid or not? Like I explain I have fighting Identity Theft XXXX against stealers uncovers by violent criminal Organization, its unresponsive behavior protecting my Data an XXXX millions  of customers. 
3.- Like I written before FTC report numbers XXXX dated XX/XX/XXXX expenses {$40000.00} & FTC Reports XXXX dated XX/XX/XXXX {$25000.00} I want back my expenses. 

4.- The Courts finds the Claims Administrator also declares it has full filed its duties but is a lie because reject my expenses received XX/XX/XXXX when the form writes must be postmarked or submitted online NO LATER than XX/XX/XXXX. Another lie Administrator is the Courts Find. Effectively reached the Settlement Class I am part of Settlement Class getting out. 
5.-EQUIFAX Data Breach Settlement c/o XXXX Legal Administrator XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has being unable of reach XXXXXXXX XXXX of XXXX affected, its phones response 13 months later. 
6.- I want my expenses Back {$40000.00} included {$25000.00} sended XX/XX/XXXX recieve by administrator XX/XX/XXXX 13 days before. 
7.- Defendants wrong doing continuing because reject my petition for Anual Credit Report since XXXX 4 years [ 3agencies ] = 12 years without credit Reports.Did not makes Identity Thefts Protection for 7 years, became deny {$25000.00} expenses XXXX to XXXX. 
8. XXXX in XX/XX/XXXX give me UPDATED my Email and he give me the letter but I nevertheless received back anything in my Email. Call again I wait for a call XXXX on XXXX Them never call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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:
I have initiated several disputes since XX/XX/XXXX to the three credit bureaus regarding an alleged charged-off account on my credit report, original creditor XXXX 's XXXX XXXX XXXX by XXXX XXXX XXXX  XXXX XXXX I have reached out to XXXX XX/XX/XXXX and XX/XX/XXXX, per Section 609 ( a ) ( 1 ) ( A ) to have the alleged account verified. I was informed they had no documentation of the account. They then transferred me to XXXX XXXX XXXX  whom the alleged debt was sold too and collected on for reconciliation. On XX/XX/XXXX I spoke to XXXX ID XXXX whom stated the account was closed due to me filing an identity theft report back in XXXX. Their was no documentation that could be sent to verify the account, not even statements. I then reached out to XXXX XXXX XXXX  again on XX/XX/XXXX because the credit bureaus did not do a proper investigation into getting this account deleted. Instead, their are repeatedly updating the account monthly and stating the account was " verified ''. How is it being verified if the creditor ( s ) have no documentation to prove such account according to FCRA. I was NEVER sent any documentation over the past 6 years. I had no clue of XXXX XXXX XXXX. I spoke with 2 agents on XX/XX/XXXX XXXX ID XXXX and ID XXXX which both stated the account was PAYED IN FULL and the credit bureaus did not reach out to them regarding an investigation. They alliterated to me of account under fraud investigation due to me reporting identity theft years ago. I even offered to pay % 50 of the account due to them dropping my scores over 100 points since XX/XX/XXXX and they were unwilling to take payment due to the status of account. In conclusion, the bureaus did not do a proper investigation over the course of reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Discover Card keeps calling me at my home saying they want to talk to me when I make my payments on time and have spoken to them hen previously.  Why are they calling me everyday?  Home number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My daughter and I financed a car in XX/XX/XXXX through XXXX XXXX. In XX/XX/XXXX she refinanced the vehicle with our credit union in her name only. The pay off was submitted and made by the XXXX XXXX XXXX and the XXXX XXXX account was closed. At the beginning of XXXX I received a call from an associate from XXXX XXXX stating that there was an outstanding balance on the account. They sent me an email and I forwarded the information to the credit union to get clarity and to have the issue resolved. The associate from the credit union reviewed the papers I sent as well as their records and explained that the account amount was confirmed and paid off and there is nothing outstanding. This is clearly seen in the documentation provided to me by XXXX XXXX. I have communicated this information to XXXX XXXX on several occasions and they do not agree even with the proof that they agreed that the amount was correct and with also having their own reports that show that the account was paid in FULL with a XXXX balance in XX/XX/XXXX, they will not correct the records. They have impacted my credit to my detriment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: National Credit Systems,Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, and XXXX Re : XXXX XXXX, XXXX XXXX National Credit Systems listing for {$500.00} XX/XX/2022 Dear XXXX, XXXX and XXXX XXXX On behalf of my client, XXXX XXXX XXXX SSN XXXX ), I am contesting an entry on her credit report from National Credit Systems , for a sure deposit. The debt is for {$500.00}. 

This debt is being contested as being illegitimate. My client contests this debt and insists that she did not create this debt in her name. You must show Client proof that she signed up for this, We are demanding proof, if you can not show proof that my client signed up for this, please remove now. 

Please remove this debt from XXXX XXXX credit report. If you have more questions, please let me know. Thank you. 


Sincerely, XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX. 


Cc : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-08-01
Company: Account Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have made the attempt to have " ARS '' Account Recovery Services Inc. Validate the alleged debt that they say I owe. 

They are in clear violation of the F.C.R.A., and F.D.C.P. title title 1692 -1692p of the United States Code FDCP tile 809 and the 1974 privacy sec 552A.. This is not a refusal to pay but a demand to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: JPMORGAN CHASE & CO.
State: MA
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:
Chase Slate credit card services, I have been a member of this credit card for at least 15 years, I NEVER MISSED OR MADE A LATE PAYMENT ON ANY OF MY CREDIT CARDS, HOME MORTGAGE OR ANY OTHER BILL IN MY NAME. THEY NEVER PUT THE INTEREST RATE ON THE FRONT PAGE, KNOWING MOST PEOPLE ARE SO BUSY IN TODAY 'S DAY AND AGE TO LOOK ON THE SECOND PAGE, AS I DISCOVERED LAST YEAR I WAS BEING CHARGED THE OUTRAGEOUS INTEREST RATE OF 28 % AND I HAD A CREDIT SCORE OF XXXX. I CALLED CUSTOMER SERVICE AS TO ASK WHY ( WITH ALMOST A PERFECT CREDIT SCORE ) WHY I WAS BEING PENALIZED WITH SUCH OUTRAGEOUS INTEREST RATE WHEN I HAVE EXCELLENT CREDIT????? OF COURSE THEY HAVE ME SOME LAME EXCUSE TO TRY TO JUSTIFY THEIR TOTALLY UNETHICAL PRACTICES!!!! I CHALLENGE ALL PEOPLE IN THE ENTIRE USA TO BOYCOTT ALL CHASE CREDIT CARDS AND SERVICES!!!! WAKE UP AMERICA AND BE HEARD!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: DISCOVER BANK
State: MO
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:
Discover card fraud claim on account ending XXXX was denied they are refusing to give to me in writing exactly why claim was denied and are refusing to supply me with signature receipts for the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: TX
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-05-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I became POA on my mothers acct. that she was the sole owner of.My neice transfered XXXX from the acct.The bank knew my mother was in a XXXX XXXX and she could not have made the transfers.As I look back now ther has been over 7000.00 transfered online from a sole acct to their joint acct.I have medical records and a police report that I have faxed to Wells Fargos fraud team.Some days there were 3 online transfers.And Almost everyday she was transferring money from the sole owned acct.from my mother.She used my moms info SS # to set up an online acct.My mother was XXXX or so.The acts only go back 5 months.Shame on Wells Fargo.XXXX would have froze my acct.or at least called 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 2020-04-27
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:
Theres is a XXXX  account that has a balance of almost {$25000.00} show on my credit bureaus and is showing delinquent and 150 days past due. Ive never had any knowledge of this account ever yet I been in contact with XXXX  and even issued police reports and they want to hold me liable for this account. 

I never benefited once from this account or have any knowledge for why it was being used till it reported to my credit. I been trying to fight this for a year and remove it off my credit but XXXX isnt helping me at all to remove it. 

This is horrible that my credit has been ruined over this credit card thats not mine and i sent plenty of proof it wasnt mine nor opened by me yet XXXX wont listen

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 2022-02-11
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to emergency in XX/XX/XXXX XXXX, a couple week later I received a bill from doctor and other from the hospital, I make a deal with the hospital so my balance was paid in full, but the doctor bill was so high for only 30 minutes, I disputed the bill without any satisfactory results, a couple months later I received a letter from XXXX XXXX XXXX XXXX with a payment deal Creditor XXXX XXXX XXXX Creditor account XXXX Balance {$910.00} Settlement {$630.00} I sent then a letter back asking for a verification letter about this debt and there was not response from then, after 15 days waiting for their response I assumed that they had the wrong information and as I asked in my letter to them clear all information and delete any negative information in my credit report if they they couldn't not verify the debt,, but certainly they dint and sold the debt to a new debt collector and this other sold to other and the new report n my credit apparently appears as new in XX/XX/2021,,.. I was not aware of this information until now that I tried open a new account and I received a letter from XXXX Bank with a possible information why they denied my application, then I checked my credit report and I see all this mess..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Thrive National Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX of 2020 my XXXX National Fitness closed due to Covid. I called to close my account and end my membership. They told me I had to come in and fill out a paper to cancel. After months of continuing to stop by to sign the piece of paper, they were always closed when I went. I later found out the location closed completely. After paying for months for a membership that I could not even go to, I yet called again and got the run around that my membership was moved to another location and they could not close my account. I would have to come into that new location to cancel. I did that and they still did not cancel my membership. They continue to try and charge me and will not stop.

Company response to consumer: Untimely response