BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been contacted every day for months about this account. On several occasions I have asked for the original creditor XXXX XXXX and XXXX XXXX to provide proof showing why I owe this amount and neither have been able to provide me anything. I spoke with a representative in XXXX and asked for this information and was told " we do not have that on file for your debt '' I advised I was sure the amount was wrong and she asked me " how much do you think you owe or what do you think the correct balance is '' At that time she wanted to set me up on a payment plan but I was still weary about this debt because I know for a fact this debt owed is incorrect and I want proof for the debt reporting on my credit. I have also disputed this with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA The above company reported to XXXX  that I have a {$130.00} unpaid debt in collections. 
I have no unpaid debts in any type of collection process nor have I received any communication from this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have had a credit card with Capital One since 2001.
Payments have always been made on time and in full for past 16 years. 
Applied for another credit card on line to take advantage of a promotional offer. 
Application was denied even though my credit score is in the high XXXX 's. 
Also credit rating is XXXX. 
Ask bank for re-evaluate application about three weeks ago. 
Have not received a response regarding re-application. 
Called bank, refused to account for their denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Phoenix Financial Services LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX is trying to collect on bills ice already paid. They opened a case against me when I have not seen them in over 2 years. Their case was opened on XX/XX/XXXX and my last appointment with them after I paid for my appointments was in XXXX, before I fell off my dads insurance because I'm over 25. I never received any mailing notifications for this debt, they just opened a case against me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
There is a creditor that I have no obligations with, reporting fraudulent information into my credit profile.

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 2017-12-17
Company: ALLY FINANCIAL 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 various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

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 2018-02-09
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX has run Hard Credit Inquiries on my Account. 

I have not authorized Chase Bank to Run Any Soft or Hard Credit Inquiries. 

When I called Chase Bank to inquire into why they were running Hard Credit Inquiries, I was told that there was No Department that Handles this type of issue and that I had to address the issue through the Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The insurance company XXXX ( XXXX XXXX XXXX , XXXX ) advised that the claim was filed and they requested numerous times from the hospital additional information that they did not receive to process the claim. The Hospital ( XXXX XXXX ) states that the insurance company needed a medical release form for any pre-existing medical condition from me and that was holding up the processing of the claim. The insurance company was provided a medical release from me when I purchased the insurance policy to review any pre-existing conditions and they never requested from me an additional medical release so that information is untrue. The hospital turned the debt over to Transworld Systems Inc., who has never contacted me only reported it my credit report the incorrect dates for services and amounts and I have contacted them several times about this and they advised that XXXX XXXX has confirmed that they have the correct dates and amounts which is untrue. When I contacted XXXX XXXX they gave me different dates and amounts which I have recorded. Additionally, in one of my most recent telephone conferences with XXXX XXXX I was advised by a billing supervisor that they claim was not filed correctly and that this account would be wrote off their books. The hospital also filed the claim with XXXX XXXX and XXXX XXXX insurance companies neither of which I had medical insurance with. The dates I was in admitted for observation are XX/XX/XXXX and XX/XX/XXXX. The billing statement sent to me from XXXX just a couple weeks ago shows billing charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which are incorrect. The collection agency has the amount of XXXX to be collected on my credit report and the hospital is stating that I owe XXXX that include charges for dates that I was not even in the hospital and the year as XX/XX/XXXX not XX/XX/XXXX. I have tried several times to get this matter corrected and neither the hospital, the insurance company nor the collection agency are willing to help. I advised them that I would be filing complaints with the Missouri Attorney General 's office, the FTC and the XXXX XXXX XXXX. The billing supervisor at the hospital advised me that I should also file a complaint with the state health medical insurance agency also and laughed. This is almost 6 years old and I am tired of fighting with the hospital, insurance company and collection agency. They know what they are doing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Account information incorrect

Complaint:
I see the XXXX XXXX XXXX XXXX account is reported late for XX/XX/2022, but the account 's statement is addressed to a different mailing address. Please correct this error by reporting the account as never late/closed.

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 2018-07-23
Company: Sherloq Group, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
1. Item remains in inquiries section : XX/XX/2023 XXXX XXXX XXXX added to TransUnion Credit Report without permission. 

2. On XX/XX/2023 a representative or a third party responded to CFPB claim # XXXX which was submitted on XX/XX/2023 stating that the Personal Information section of the TransUnion version of the credit report had been updated. TransUnion was not given authorization to update anything in the Personal Information section, only the Inquiries section in CFPB claim XXXX complaint details section. 

The current copy of the report shows no phone number - ADDED, if this was in error please confirm. If not, a separate complaint will be opened.

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 2018-11-15
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report on XX/XX/2018. WAYPOINT RESOURCE GROUP is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: ENOVA INTERNATIONAL, INC.
State: FL
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'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While on vacation in XXXX, XXXX I purchased {$2300.00} worth of custom clothing from a company called XXXX XXXX. The clothing was supposed to be completed within 48-hours for pickup. After more than three weeks and more than seven visits to the store, the clothing was still not ready. After multiple requests for refunds, the company refused to refund the money. They attempted to mail me the products in the US, and since the products were incorrect each time I stopped by their store and since they refused to refund the money, I had already filed a dispute with my credit card so I refused to sign for the products. Since this company showed they attempted to mail " something '' to my residence, both Capital One and XXXX refuse to assist me and have sided with a foreign company notorious for fraud and scams. In my most recent conversation with Capital One I requested twelve times during the conversation to speak to a Supervisor, and Capital One refused to help. I have been a card holder with Capital One for 17-years. At this point, the company in XXXX has my money and I do not have the product purchased- and Capital One and XXXX refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am XXXX, XXXX XXXX a federally protected consumer who's rights under the FCRA has been repeatedly violated from inaccurate and unverifiable information. 
Please see attached

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 2018-02-09
Company: Experian Information Solutions 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:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should 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 2018-07-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am disputing the information on my Experian report about a student loan. The original company, XXXX / XXXX ( acct XXXX ) is showing negative information about the student loan when I wasn't able to pay. The loan has been transferred a couple of times and I have been paying regularly. The company that now has it is XXXX XXXX XXXX ( account XXXX ). This negative listing from XXXX  is impacting my ability to obtain a higher credit score and impacting my opportunity to own a home reflective of my earnings. I would like to have the negative listing removed and for all 3 of my credit reports to show my current payments towards this debt.

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 2017-09-22
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: Old information reappears or never goes away

Complaint:
In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX  reference account number XXXX as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$40.00}

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 2017-09-22
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and Trans Union. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and Trans Union is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and Trans Union notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated 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 2020-09-11
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. On XX/XX/XXXX, I signed a note and mortgage with a 30 year term from XXXX XXXX XXXX XXXX ( that was acting as an agent for XXXX ). 

2. XXXX intended that this loan be a 7 year balloon, but there was never a contract ( i.e. Note ) to support this. 

3. After 7 years of payments, my payment was returned by XXXX XXXX XXXX ( who had acquired servicing rights ). 

4. XXXX XXXX XXXX refused to take payments or negotiate another loan, but also refused to initiate foreclosure ( ~2 years ). 

5. XXXX acquired servicing rights but failed to make a reasonable offer ( just a crazy trial program ). 

6. XXXX filed a foreclosure suit using a blatantly fraudulent note in 2015. 

This is the extremely short version. The full story can be found in the court documents that I have posted on the site : XXXX XXXX XXXX The bottom line is that the opposing litigants have committed multiple felonies during the handling of the case. The experience is quite strange since XXXX was very reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One closed my account out of no where, and it is been almost 6 months and they are still holding my funds, they told me there might be charge back on your account so they will hold my funds and wants to know who send me money which I dont think it is their business, it is been 6 months they been holding it and not one charge back on my account, I want my money

Company response to consumer: Closed with explanation