BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: HOVG, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was forced to receive medical treatment from XXXX XXXX   on XX/XX/2019. They asked for my insurance and told me I wouldn't be charged.XXXX XXXX XXXX filed a claim for XXXX  with my insurance, and my insurance according to my explanation of benefits states that I don't owe anything. Despite that I kept receiving bills from XXXX XXXX XXXX   who then sent the debt to Bay Area Credit Service on XX/XX/2019.I sent a copy of my EoB to Bay Area Credit Service, but they ignored that and kept sending me bills for higher and higher amounts. I have also attempted to explain this on the phone, but they insist that my insurance rejected the claim, and tried to bully me into paying the amount right then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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 disputed an account with Portfolio Recovery through XXXX and have yet to receive a satisfactory response. I know this debit is well over 7 years old, however, the collection company keeps updating it fraudulently and XXXX keeps allowing them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020

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 2020-11-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got an apr of 10.14 and its too high! 
I agreed to pay but I lost my job trying to fight my insurance and I got left with a XXXX  debt with XXXX  monthly payment that I cant pay for. even before I thought its too high for new economy car. I asked around to refinance but they dont offer and they dont offer is because they got into a class action lawsuit about the bank adding a higher apr for another year or months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions 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:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 2. XXXX Inquired on XX/XX/XXXX ; 3. XXXX XXXX XXXX. Inquired on 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 non-monetary relief
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
When I started service with XXXX XXXX on XXXX/XXXX/2019, the sale associate told me that when they check my credit score that it shows up as a soft inquiry. After XXXX XXXX did the " soft pull '' it shows up on all 3 credit bureaus as a hard inquiry which lowered my credit score. I talked with 2 other associates, one in person at a store location and another thru XXXX XXXX  online chat on XX/XX/2019 that I took a screenshot of the person named XXXX that I was chatting with that confirms that the company tells potential customers that it is a soft inquiry and not a hard inquiry. He specifically says that " we are all told its a soft inquiry ''. I tried disputing it with the credit bureaus but they said that they dont handle hard inquiry disputes that I have to contact the company that did the hard pull. I contacted XXXX XXXX   and they stated that I gave them permission to check my credit report so they dont have to change or do anything about it. XXXX XXXX is lying to potential customers about the soft/hard inquiry. I applied thinking that it was gon na be a soft inquiry, otherwise I wouldnt of applied for service. I opened up services under false pretenses.

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 2021-08-18
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-05-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are XXXX, Experian and XXXX, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX  XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.

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 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Fraud XXXX XXXX XXXX In XXXX my car was broken into passport credit card back pack 2 broken windows to gain access. The police report was the given officers badge number and report to credit card company boa travel reward. 
I was denied. requested it be resubmitted because have the proof. The claim was resubmitted the information. 
On XX/XX/XXXX approval letter was received by me. As of XX/XX/XXXX no refund was issued assured it would be there in 7 days. Spent Sat XX/XX/XXXX on the phone for 1.5 hrs because they are asking for the informations again Why I HAVE THE APPROVAL LETTER .I called today and they have reopened the case without sending me a denial letter nor do they have A DENIAL LETTER in their files. They are requesting police reports and sending the case back to XXXX on an approval. Tried of wasting my time in this circus that BOA has put me in. We are now at I need to wait for 45 days for them to approve it AGAIN. I am disgusted that they sent me and approval letter that meant zero

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 monetary relief
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXXXXXX {$330.00} OFFICE OF THE ATTY GENER XXXX {$1400.00} XXXX XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX XXXX {$4200.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Santander Consumer USA Holdings Inc.
State: RI
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I received a handwritten approval letter from Atlas Credit Co Inc after i contacted the company inquiring about the letter i received i was told by a rep to provide my personal information, before i was told that the letter was legit or not. I then provided the information requested and was told i would receive a call back. Once i received the call back i was told that i was denied but i was not given the reason for the denial on the phone but explained to them the handwritten letter that was received and what all it said and the approval amount for {$500.00} it was not a pre-approval letter but an actual APPROVAL LETTER but the rep still refused to provide me with the reason for the denial on the phone nor did she explain the approval letter that i received. I then tried to ask what was the purpose of the approval letter if they knew or had idea once i called about the letter that i would be denied. I feel that i am being scammed for my information, i am getting credit inquires on my report for this information after they run my credit and deny me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company, and XXXX XXXX XXXX XXXX agreed to remove a debt from my credit file and then turned around and sued me illegally your records will show this as they agreed on XXXX XX/XX/2021 to resolve the matter and they illegally used XXXX XXXX XXXX to file a lawsuit in the state of Illinois and XXXX XXXX. 

I do not live in the state in which they filed the bogus and illegal lawsuit I reside in another state and Im a registered voter of another state with a valid drivers license and home address in another state, I was not served with a lawsui in the state of Illinois because I do not reside in Illinois I have.not lived in Illinois for 6 years and I have proof that I live in another State and there is no way possible to serve any type of lawsuit on me because I do not reside in that state and never will live there. This illegal practices and lawsuit has caused an alarm at the property and they are responsible for the sheriff and a debt processor to disturb the neighborhood by looking for me and I do not live at that address the neighbors are terrified that people are showing up all through the day and night trying to serve a lawsuit on an address that I do not reside. This is calculus and ignorant at best.

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 2020-09-12
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: Information belongs to someone else

Complaint:
upon reviewing my credit reports i noticed a few charges on my reports that i did not give anyone authorization to use my information. Please update my accounts and remove them from my credit report. This is a fraud, and it needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 around XXXX XXXXXXXX, I { XXXX XXXX XXXX XXXX went to withdrawal money in the amount of {$300.00} off my North Carolina XXXX XXXX XXXX XXXX the bank associated on the card is Bank of America, which is a debit card for which I receive my Unemployment Benefits on.I was using a XXXX  machine in the town of XXXX XXXX, N.C. XXXX XXXX XXXX XXXX XXXX XXXX is the name printed on my XXXX XXXX XXXX and I went through the process of trying to withdraw the amount of {$300.00} and a surcharge fee of {$2.00} comes to the total of {$300.00} and the cashpoints machine printed my receipt and DID NOT send no money out and then a message come up on the screen and said that this machine was down and could not be used. So i got receipt and left to a different XXXX  ATM on XXXX XXXX in XXXX, N.C XXXX used it to withdraw the amount of {$200.00} and I did get the {$200.00} and so i looked on my receipt and it clearly took my {$300.00} from my card from what my receipt stated. I get home and call to check my previous summary which was my last two { 2 } withdrawals and it deducted it from my account, so now that the XXXX machine that feld to give me my {$300.00} I need my money put back on my card. I DO KNOW THERE IS CAMERAS AT THAT XXXX  PLACE SO IF THEY GO BACK AND WATCH IT WILL SHOW THAT I WAS NOT GIVEN MY {$300.00}. I have contacted Bank of America and I'm getting told they will need a claim filed and I have and no response back.

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 2018-07-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am reaching out to you in regards to accounting issues with Resurgent Capital Services. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with XXXX XXXX XXXX. Upon transfer to Resurgent Capital Services an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XXXX, 2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, Resurgent Capital Services is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Nelnet, Inc.
State: IL
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 received a private student loan from XXXX, serviced by Firstmark Services in 2018. There was an error in the loan interest rate percentage, so Firstmark closed that first loan and opened a new one with the correct interest rate. This caused a duplicate to appear on my credit report. I contacted all the bureaus in order to fix this duplicate. Both XXXX  and XXXX  marked the account as closed ( I believe it should have been removed because it is a non-existent loan at that point, but that's less relevant at this moment ). XXXX, however, refuses to remove this duplicate account after their investigation and did not allow me to submit a reinvestigation. Recently, I refinanced my loan and submitted a reinvestigation request to Experian, which was accepted. However, their results came back as the same. This is undoubtedly false now, as the account is now closed with 0 balance on it, and yet XXXX   is still claiming that there exists a balance of a little over {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sequium solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ( debit collections ) On XX/XX/18 tried calling no answer just a message service, on XX/XX/18 I tried to challenge it on line through XXXX credit and gotten a email back saying it was valid and it's not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My Bank of America credit card ( along with two other credit cards ) was stolen and used at XXXX XXXX in a nearby city, in the amount of {$4000.00}. I was notified of suspicious activity immediately and cancelled the card. The fraud department of B of A determined it was not fraud and charged my card with the {$4000.00}. 
Those other two stolen credit cards were also used at the same time at the same XXXX XXXX for {$4000.00} each. Within ten days, both XXXX XXXX and XXXX determined that the charges were fraudulent and that I was not responsible. The letter of denial from B of A told me that I authorized the use of the B of A card. Can you help 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 monetary relief
Consumer complaint received 2016-06-03
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : The reason for me writing is to seek your assistance with my mortgage company with the modification of my mortgage loan ; and to restricted them from dual tracking proceeding with the foreclosure while my loss mitigation application is pending. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: JPMORGAN CHASE & CO.
State: CO
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 had XXXX Chase XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with Chase XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I submitted a request to Chase to closing my Total Checking account. My account was in good standing, with a positive balance. 

On XX/XX/XXXX, Chase responded and refused to close my account, and required onerous restrictions to close it -- while keeping it in a state that would accrue fees ; they even suggested that it would not be possible to close my account except by physically visiting a branch in the middle of a pandemic, while we're legally required to shelter in place. 

On XX/XX/XXXX, I responded again with a signed request and affirmation to close my account. They ignored my request and repeated the same form letter.

Company response to consumer: Closed with monetary relief