BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
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:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX and now that account is in collections with " XXXX XXXX XXXX ''. There are several fraudulent credit inquiries posted to my XXXX credit file that I did not authorize.

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 2017-11-14
Company: TD BANK US HOLDING COMPANY
State: AZ
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 a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: General Motors Financial Company, Inc.
State: AZ
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 a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the  Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have called Sallie Mae 3 times within 6 months about getting my loan repayment lowered and extended longer. They said no that I have to pay {$360.00} every month. I wanted to get it lowered to like {$150.00} a month because I can't pay {$360.00} a month. They said if I didnt make the payment by the due date collections would call me and give me more options. Sallie Mae told me they would work woith me on my payments and they say have been Helping American Students for decades. That's false advertising because they don't help at all, they rip us off and tell us false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The employees with First Tennessee Bank made withdrawals each time I made a withdrawal. XXXX XXXX caused this problem when she set up this fraudulent account with XXXX XXXX. XXXX XXXX had given my actual retirement to XXXX XXXX XXXX XXXX in the amount of {$280.00} XXXX. The check from XXXX was made in my name. XXXX XXXX mailed to First Tennessee Bank. Never seen by me or endorsed by me. XXXX XXXX intentions was to set me up. XXXX XXXX notified me of her fraudulent acts. She had me followed, beaten. On XX/XX/XXXX I  made a withdrawal in the amount of {$5000.00} XXXX. A misc debit was done in the amount of {$5400.00} on XX/XX/XXXX. I made a withdrawal in the amount of {$74000.00} on XX/XX/XXXX from XXXX XXXX. First Tennessee Bank employees made a withdrawal for the same amount on XX/XX/XXXX. First Tennessee Bank off set their withdrawal using the bank deposit slips & withdrawal slips. I did n't receive the copy from XXXX until XX/XX/XXXX. XXXX XXXX lead me to believe my stock/wad sold to XXXX XXXX. XXXX XXXX informed me of what XXXX XXXX & XXXX XXXX had done. I learned that XXXX XXXX was working with First Tennessee Bank to take my home. I decided to make an investment with a company. I did a wire transfer on XX/XX/XXXX in the amount of {$25.00} XXXX First Bank XXXX The XXXX was suppose to be deducted from the XXXX. It was separated. First Tennessee Bank used their deposit slips once again to adjust their transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Carter Business Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This " debt '' is regarding a simple XXXX performed by a doctor in XXXX on XX/XX/XXXX. The test usually cost between {$200.00} and {$400.00} ( market rate ) and with an insurance plan discounts it usually costs between {$100.00} to {$150.00}. This doctor billed {$2900.00} for the simple test which was reduced to {$1900.00} with plan discounts, but still a mysteriously large bill. I asked for details and was stonewalled, but eventually after a lot of calls and paperwork got the itemized bill. The doctor billed it through XXXX XXXX XXXX as a hospital visit, even though it was an ordinary office visit. Moreover, duplicated charges by the doctor, the hospital, and another doctor were billed for the same items ( billing codes ). 
I paid both the doctor 's bill promptly, but I disputed the hospital bill because it simply was not a hospital visit. The hospital refused to acknowledge the dispute and simply started sending me the same bill repetedly, threatening to turn it over to collections. I asked detailed questions on how they coud charge ten times what it normally costs. I was again stonewalled. The bill was turned over in XX/XX/XXXX to a debt collection agency, XXXX XXXX XXXX in Massachusetts that specializes in medical debt. 

I am flabbergasted as to how a hospital can simply send a massive bill and then turn it over to collections despite an outstanding dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have two XXXX branded credit cards with Chase. The first was opened in XXXX of XXXX, the second was opened in XXXX of XXXX. The first had an account credit limit of {$9500.00} and the second had a limit of {$2000.00}. Both of these accounts are used for hotel stays on business travel, as well as hotel stays for a XXXX XXXX group travel. In Early XXXX, immediately following a large payment made to Chase to payoff the balance of the 2nd card in preparation for a long trip which was scheduled and was going to require {$1500.00} of hotel charges they accepted the payment and then decreased the account credit limit to {$500.00} ( a 75 % reduction even though payment was always on time and almost always paying the balance off ). They refused to reconsider, and it created a hardship for me necessitating canceling part of the trip, and losing that business ( a likely annual revenue loss of $ XXXX XXXX. In XX/XX/XXXX a large payment was keyed ( {$6600.00} ) in payment of the first card. The payment was meant to be {$640.00}, but as it happened the mis-keyed also paid off the balance. At that point the credit limit was still {$9500.00}, so the available credit was close to $ XXXX, and was being used for travel for business. The company entered the payment, then immediately decreased the account credit limit to {$500.00} ( a roughly 95 % decrease in credit even though payment history is impeccable ). Again the company refused to reconsider, and when the payment was returned to them they are now holding the account, and reporting it to agencies, as well above the credit limit, which is having a serious impact on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, 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:
Equifax credit report open pass due account XXXX XXXX XXXX orig XXXX XXXX XXXX hospital, filed a complaint with equifax that this account does not exist .it was previously removed and then reappeared, i called XXXX XXXX XXXX they stated XXXX balance, sent me a copy that i sent to equifax, they have not responded 2 my complaints over 4 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
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:
two FRAUD ACCOUNTS listed on my credit report ( XXXX - XXXX ) of which was removed and previously included in the FTC Fraud Report # XXXX ) and a Police Report provided to credit bureaus. It appears since the account is back on my credit report that the credit bureau through some means validated a fraudulent account. 

" I was told that I should have known about the account. '' An agent at Experian laughed at me and said " people have been abusing fraud complaints '' and did not take my complaint serious. I have submitted the items multiple times.

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 2017-07-09
Company: EQUIFAX, INC.
State: TN
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:
An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the   XXXX   XXXX   case number  XXXX . The courts shows I wa s discharged XX/XX/XXXX .   XXXX  DBA   XXXX   XXXX   XXXX  was refinanced o n   XX/XX/XXXX ,  whil e I was under wage earner. The new loan is with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: COMMERCE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I saw that Commerce Bank was offering a {$200.00} bonus for new checking accounts. I live in Illinois, which is one of their states, so I signed up and made a {$5000.00} deposit on XX/XX/XXXX. I just got a letter dated XX/XX/XXXX saying my account was closed due to inactivity. I had only had the account open for 6 weeks, and they are closing it for inactivity?? It 's clear to me that Commerce Bank is just trying to avoid paying the {$200.00} bonus, which would have occurred at the 90 day mark. They should n't be allowed to have people go through all the effort to honestly open an account with them and then deny the bonus because 6 weeks later they decide it 's not the kind of customer they want. They had my address when I signed up with the bonus promo code, so any sort of suggestion that I was n't in the bonus target area is ridiculous ... .they should have denied my application then if they did n't want people in my geography ( and I do live in a Commerce Bank state ). 

I sincerely doubt Commerce Bank is closing long-standing accounts that lack activity for 6 weeks. They are only targeting accounts for closure that they 'd have to pay a bonus on if they stayed open longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ALLY FINANCIAL INC.
State: AL
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 purchased a car in XX/XX/XXXX And I got turned down from Ally bank. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called XXXX XXXX. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.

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 2017-07-09
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TN
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:
An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was  discharged   XXXX   XXXX .  XXXX  DBA   XXXX   XXXX   XXXX  was refinanced on  XXXX / XXXX / 2004 , while I was under   XXXX   XXXX  . The new loan is with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: SC
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 have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted this collection agency several times asking to provide a signed contract with my signature. No real proof has been provided. Please delete. 
Date contacted were in XXXX 2020. If such documents can not be produced please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was discharged  XX/XX/XXXX .  XXXX /DBA  XXXX   XXXX   XXXX  was refinanced on   XX/XX/XXXX , while  I was under wage earner. The new loan is with  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 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have called and mailed Transunion, XXXX, XXXX, and XXXX XXXX XXXX XXXX regarding this account on XXXX 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 2019-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I purchased a year long membership with XXXXXXXX XXXX using a CapitalOne GMCard on XX/XX/2016. At the time, I authorized a one time payment to pay for this membership in full. A contract was drawn up that showed I paid in full for that year. Two years later, I went back into the gym, and was told I could pay month to month. I gave them a different GMCard to pay for the first month. I never signed any paperwork. I was specifically not under any contract or obligation to them. I realized later that they had stored my credit card info and were charging me automatically on the new card despite my not having authorized it. When I finally had the chance, I called them and told them to stop charging my card. They demanded that I come down in person and fill out a request to cancel membership. I had just given birth at the time, and could not physically go to the gym. Furthermore, I had not authorized this charge, nor was I under contract. A contract signed three years ago and paid in full does not become binding again because I set foot at that gym again two years later. I called CapitalOne to dispute the  charges. XXXX responded to the with the contract from XX/XX/2016. On the contract, it clearly states paid in full. Furthermore, it has a different credit card number, which was the one I authorized them to use for the one time annual fee. This was not the one with the disputed charges. CapitalOne kept demanding paperwork from me that I did not have. I can not prove that I didnt have a contract ; I can not provide documentation that doesnt exist. I called CapitalOne and, at the request of their rep, wrote and submitted a letter explaining why I couldnt produce the paperwork they requested. A week later CapitalOne sent me a letter saying that my dispute was denied because the 14 day period in which I had to produce the paperwork had passed.

Company response to consumer: Closed with monetary relief