BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a resubmitted dispute with CEDARS BUSINESS SERVICES , LLC. My for Certified letter of dispute to CEDARS BUSINESS SERVICES , LLC was not received, nor did I receive a Certified Requested Return Receipt from XXXX XXXX. As such, I have resubmitted my Certified Letter to CEDARS BUSINESS SERVICES , LLC, dated XX/XX/2022. Additionally, I received a Tracking Receipt of Delivery, dated XX/XX/2022 from XXXX XXXX. I have attached both the Resent Certified Letter to CEDARS BUSINESS SERVICES , LLC, dated XX/XX/2022, along with the XXXX Tracking Receipt, dated XX/XX/XXXX. 2022. 

Additionally, I have attached a letter to both XXXX and XXXX, enclosing supporting documents ( XXXX Tracking Receipt ) for their review and file. I requested specific documents from CEDARS BUSINESS SERVICES , LLC and gave them a deadline to produce said documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was taken to XXXX XXXX XXXX XXXX on XX/XX/2018. Because I was unresponsive the lady at registration put in the wrong in formation, instead of XXXX XXXX XXXX she put XXXX XXXX XXXX. On my insurance card was XXXX XXXX XXXX. So after I got better everything was clear between the insurance and the hospital. Everything was paid the same day of service XX/XX/2018. Until this day I have a bill for {$610.00} that I do not owe. My insurance called this collection agency and they did not fixed it. It still there two years after. My credit score went down. I mailed the receipt of payment and nothing, to the collection agency and credit bureaus. And still on there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number was used to open a fraudulent checking account with Capital One 360 on or around XX/XX/2020. I first called Capital One 360 on XX/XX/2020 ( when I became aware of the account ) to request an investigation into the fraudulent account and begin the process of getting it closed. I was told that I would be sent a victim letter to fill out that would kick off their investigation, and that I would receive this letter in 5-7 business days. I never received the victim letter. I called Capital One 360 again on XX/XX/2020 and was again told that I would be sent a victim letter and to expect its arrival in 5-7 business days. I called Capital One 360 a third time on XX/XX/2020 and was once again told that I would be sent a victim letter. I have never received any written correspondence from Capital One 360. On XX/XX/2020 I mailed a letter ( from  IdentityTheft.gov ) along with my FTC Identity Theft Report to the Capital One 360 mailing address listed on their website. I have not received any reply, written or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Army and Air Force Exchange Service
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and took these credit cards out in my name and forged my signature and lied on the application that was filled out to get the credit cards. 


This company did not do proper research on these accounts. 

I have already reached out to transworld systems company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the army or air force. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and army and air force called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!

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 2021-09-25
Company: EQUIFAX, 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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to Equifax over 30 days ago and have not received a reply or response. I will attach the letters that I have sent. They have violated multiple laws of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
In the past the XXXX XXXX dept. WAS ALERTED IN DIFFERENT WAYS ... 
Have latest XX/XX/XXXX paid rent {$450.00}? got confirmation yet the bank should be fine it didn't go thru and never alerted me.i had signed up for alerts.had to repay. 
He past chase banker allume gave me 3 cards and spread my money on 3 cards when I should of got 1.also when I went to another branch to look into it.he a XXXX male took my Id and keep it.etc

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: LA
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:
RE : CFPB Complaint ID XXXX XXXX XXXX Account No. XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
For the last two to three months I have been getting phone calls from CITIBanks office in XXXX, Telling me that IF do not pay them {$2000.00} they are going to put me in jail, take my home, and take my XXXX and XXXX checks!!!!! And they would also take faimly member to court and put them in jail! 

Starting in XX/XX/XXXX after CITIBank added 0s to my check that I sent them, changing them {$50.00} to {$500.00} and started moving funds in and out of my account to one of their fake accounts. I canceled their Credit card And paid them OFF! 

According to CITIBank in XX/XX/XXXX I was not a crad holder and there for did not get paid damages that they agreed to pay! Consumer Financial Protection Bureau ( CFPB ) Administrative Proceeding File No. XXXX,! 

In XX/XX/XXXX and XX/XX/XXXX I started getting calls for CITIBanks XXXX office demanding {$2000.00} OR they would put my in jail! They stop after I receive a latter from the local court! Cast No. XXXX. I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXXto when CFPB stop them in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
i did not authorize my credit to be run several times only once with XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The 3 major credit bureaus have reported inaccurate things on my credit report. For example investigate each collection and the columns that are tracked. Wouldnt you agree that every column for each collection should have the same information if it is accurate for all 3. Also dont you agree if one major credit bureau out of the three takes something off your credit the others should at least reach out to the consumer asking if it should be removed. But no credit bureau has done so, and did not get my consent to put anything on my credit report. I also know for each error on my credit report that is inaccurate I should be granted {$1000.00} in reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent several notices to this company to no avail. They are deliberately not verifying inquiries listed on this Chexsystem report or disputing them and also have very old data reporting on this Chexsystem report as the debt as bad debt/acct abuse/ balance owed for institutions I never used checking acct for. the accts they are showing are very old and outside of my statutory period to collect and also have been discharged in bankruptcy and they are still reporting as they are prohibiting me in moving forward in reestablishing good standing with other creditors and a fresh start.

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 2016-12-16
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
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: Account information incorrect

Complaint:
The 3 major credit bureaus have reported inaccurate things on my credit report. For example investigate each collection and the columns that are tracked. Wouldnt you agree that every column for each collection should have the same information if it is accurate for all 3. Also dont you agree if one major credit bureau out of the three takes something off your credit the others should at least reach out to the consumer asking if it should be removed. But no credit bureau has done so, and did not get my consent to put anything on my credit report. I also know for each error on my credit report that is inaccurate I should be granted {$1000.00} in reimbursement.

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 2018-03-02
Company: AVANTE
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and I see Avante XXXX reporting a collection without validation. I sent out a debt validation letter and still have not received any form of validation. If Avante XXXX can not validate this collection within 30 days, Avante must remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: MASON MCDUFFIE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I withdrew my request for a loan with Mason McDuffie to work with the Builder 's preferred lender, as this was in my best interest. Mason McDuffie asked me to remain with them and offered a full loan approval in 48 hours. After I declined, Mason McDuffie entered my loan into the FHA system as a denial. This created a significant impediment to my loan being transferred and approved by the Builder 's preferred lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
XXXX is reporting closed account that does not belong to me with Santander. The account is under another persons name and should not be reported on my credit report. XXXX has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through XXXX  will not even allow me to dispute any incorrect information through there website or bring up credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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'm a victim of identity fraud, my identity and personal information was used to fraudulently open accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-09-23
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter in my mailbox two weeks ago stating I owed {$1300.00} to " XXXX XXXX '' on XX/XX/2019. I have never used services from this company. I have responded by email to their designated account id on the collector 's website, but have not heard from them yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: STERLING JEWELERS, INC.
State: GA
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT. PLEASE INVESTIGATE AND HAVE THOSE REMOVED IMMEDIATELY. I AM DISTRESSED BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: MD
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:
Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; XXXX, Equifax and XXXX   removed. Specifically, accounts that are 7 to 10 Years old or more are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2023-01-24
Company: Experian Information 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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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