BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Dear Sir/Madam, I am writing to dispute false information that has been reported on my credit report. Specifically, I am referring to accounts that were given to my ex-husband in a divorce proceeding in 2016, despite the fact that these accounts are over seven years delinquent. Despite repeated requests, XXXX has refused to remove these accounts from my credit report, causing significant damage to my credit score. 

Furthermore, I have reason to believe that my former spouse has intentionally reported me as deceased in order to take advantage of my good credit standing and score. This has led to my credit applications being denied, as I have been reported as deceased by my former spouse. This information is not only false, but it is also creating significant XXXX  and negatively impacting my life in various ways. 

I have made several attempts to contact XXXX and other relevant parties, but unfortunately, these attempts have been unsuccessful for over XXXX years. I believe that the continued presence of these false accounts on my credit report and the intentional misreporting of my status as deceased by my former spouse is unjust and causing me significant hardship. 

Therefore, I request that XXXX immediately remove the false accounts and any other erroneous information from my credit report. I also request that you investigate the intentional misreporting of my status as deceased by my former spouse, and take appropriate action to rectify this situation. 

I appreciate your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXXXXXX XXXX  Balance : {$480.00}

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 explanation
Consumer complaint received 2020-01-08
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:
The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}

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 explanation
Consumer complaint received 2018-01-23
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am to report a HIPPA Violation on an outstanding medical balance on all 3 of my credit reports. I sent a certified letter to Paramount Recovery on XX/XX/XXXX requesting that they validate the alleged debt and that I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. My letter also stated that I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient’s authorization. Therefore, my request is twofold—validation of debt and HIPAA authorization.  On XX/XX/XXXX I received an envelope that consisted of my medical records from XXXX XXXX XXXX XXXX, which is a violation. I am requesting that the charges be removed from my credit reports w/ XXXX, XXXX and XXXX (any credit bureau that they report to) due to I do not owe Paramount Recovery. I did not give permission for any medical provider to release any of my medical information to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a notice of collections that appeared on my credit report lowering my credit score by about XXXX points. On my XXXX credit report, it states the account was open XX/XX/2023. It was then sent to collections in XX/XX/2023. The amount owed is {$3300.00}. 

XXXX states it is for " AT & T Mobility '', a company I have never had before. This does not belong to me. 

I have tried to contact Sunrise Credit Services directly but they will not speak to me unless I give them my social security number ( which I am not willing to provide to these people ) or my current address. I gave them my address and they asked for a different address. I refused to give any other information because I am not going to continue providing personal information that they could continue to collect and use. I have disputed this with XXXX twice. The first dispute was through the dispute department on XX/XX/XXXX. The second dispute was through their fraud department on XX/XX/XXXX. They advised that I reach out to this site as well and I am doing so now. 

Please let me know what information is needed that I can provide to get this balance and history removed from my credit and restore it to it's accurate 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 2018-02-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been disputing an alleged XXXX cell phone debt assigned to ERC for the past several months. ERC has yet to provide any real evidence or contracts of said debt bearing my signature and I have contested it. 

I just received an anonymous phone call from a gentleman in Ohio claiming he received copies of billing statements and a letter from ERC with my name, last four of my social security number and my current cell phone number. This gentleman claims he is getting harassed for owing the same debt showing my name and this debt is being credit reported on his credit as well! 

ERC has some serious paperwork issues and is now sharing my private/personal information with a unnamed man on the other side of the US. I have reported the neglectful communication tactics to CFPB several times as well as the California Attorney Generals office and would like a full investigation on this account and records of correspondence. 

The original letter of right to dispute was never sent to me directly but was wrongfully sent to a relative of mine in XXXX, now, my personal information is being mailed to annonamous people in Ohio. This is very concerning. 

Something must be done as I am now afraid that my information is being passed around to the wrong people and can potentially end up in additional credit fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2023-11-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am a flight attendant living out of state in base. My husband has been doing the bills. This week we received a notice from the collection agency XXXX XXXX. Prior to this, we received no notification that our automatic payment is no longer attached to the new XXXX credit card. Therefore, we haven't been paying the bill since XXXX. The collection agency is the first notice we received. I called XXXX today, XXXX and spoke with XXXX. He said that someone attempted to call, yet we have no voicemail or notification to prove it. He then transferred me to XXXX who is in collections through XXXX. She said that there were XXXX letters sent. We said that we never received those notices even though the correct address was verified. I asked if she could email them to me. She said it would take a bit but she would do it. It is now XXXX as I have waited over XXXX hours and still nothing is in my inbox. I find it a bit suspicious that she said she had these documents yet they can not be forward in a timely manner making me think that they actually don't exist. Then my husband XXXX XXXX called XXXX today. He spoke to XXXX in account release. XXXX stated that XXXX doesn't have to notify us of missed payments and then lectured him about paying bills. If you check our XXXX XXXX, I was XXXX points away from a perfect score. We are not delinquints. We had an issue with XXXX with this new card. A payment of {$1600.00} was sent in XXXX but went to the old account and not the new one. I called every XXXX weeks to try and resolve this issue in which they could not find this payment. Not once did anyone say my account was disconnected. I finally resolved it last month using my bank. 

I am very dissapointed with XXXX to say the least. I do not mind paying what I owe and would pay it immediately since this is the first time I have been made aware. What I do mind is the {$360.00} fee charges when we didn't even know we were delinquent and given the chance to rectify. This is very poor business and seems like a scam to make money. 

I will be out of the country now for a while so I would be XXXX weeks delayed in any response. My husband XXXX XXXX is available. HIs phone number is listed. His email address is 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 2023-08-23
Company: Credit Technologies, Inc.
State: IN
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 have explained to the creditors before that I didnt recognize these items on my credit report and that my identity had been stolen at one point about two years ago. I have also submitted disputes and they still have not removed any of these items. As they can see I have had fraud alert on my ssn for a very long time due to the situation of my identity being stolen. These inquiries are fraudulent and I would like them removed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 at XXXX i logged in to my cash app to tranfer the amount of {$48.00} to my card but it didn't go to my card it went to another bank account that i dont have called XXXX XXXX XXXX last number on card number ending in XXXX I dont have are even know What bank is this? I've already tried to get it fix with cash app but they are no help at all ive tried XXXX sherching but no luck plz i need help i want to get my money back plz

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have made a payment to my vendor on XX/XX/2021. It was an ACH payment. 2 months later, we realized that the recipient didnt receive this payment. It was from Chase bank to Chase bank. I opened a claim, I went to the branch several times. Last week we went to a Chase branch with my vendor so they can open both accounts together and see the problem. Today, I learned that the claim is closed again without reason. I went to the branch, they talked with the claim department, they confirmed that they closed the claim by mistake. The amount is {$7400.00}. They accept that this amount is missing but it isnt my mistake or problem. My complaint is for the claim department of Chase Bank as well as Online banking department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing s is trying to collect on a debt from " XXXX '' for {$730.00} from me. I have never done any business with XXXX XXXX XXXX or XXXX XXXX XXXX  in my life. I've reached out to Convergent XXXX and XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe XXXX XXXX XXXX  or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against XXXX XXXX and XXXX for violating my rights under the FRCA.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX MORTGAGE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XXXX of 2022, I filed a fraud claim on my checking account for a scam that I was a victim of involving a Navy Federal Member who was portrayed to be a XXXX who runs a debt consolidation program. During our phone conversations and instructions on XXXX messenger, I was told to make payments using their business bank account to pay off my XXXX XXXXXXXX XXXX  credit card. The account that I was told to transfer the money from was from XXXX XXXX and I made 4 larger transfers to pay off the card but in return had to pay a service fee for this service of {$6000.00} to the business owner XXXX XXXX. Well, I also paid XXXX XXXX XXXX XXXX and XXXX XXXX using member-to-member transfers. I filed a claim with Navy Federal stating all of this and they gave me a provisional credit for {$6000.00}, well a month later they reversed that credit and made my account negative. Now they are harassing me daily about the overdrawn account in which I did not do but I am supposed to pay for it. The account is due to go into collections soon which would do more harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I received information from the credit bureau that information that was disputed on my credit file came back verified. What seems strange is that I did their job and requested validation of disputed information and the information that was provided would not be be accurate. Bankruptcy being reported on credit file under incorrect spelling of name how was it verified as mines?? Also XXXX XXXX could not provide validation of debt so how was the debt verified of mines??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I submitted to have my IBR recalculated, as it was recalculated incorrectly during my annual re-certification. I wrote a letter explaining my circumstances and specifically requested that they recalculate my IBR payments. 

I received a letter on XX/XX/XXXX, stating that my payments had been recalculated, but the amount was still incorrect. 

On XX/XX/XXXX, I received notice that my plan had been switched from IBR to a Standard Repayment plan, and that to start it, I had to make a payment under the new plan. The following day I received notice that a forbearance request had been processed. 

I called to find out what happened, and told them I did not want a forbearance, as I'd not asked for one. It turned out that there was a box I'd checked on the form I turned in on XX/XX/XXXX, where I had mistakenly checked the box for forbearance, and then crossed out the entire line because it was a mistake. Even though I had written a letter to accompany the form, which clearly stated I wanted to have my IBR re-certified. I downloaded those documents this evening, from my XXXX account, and have attached them to this complaint. 

I began the process of completing new IBR paperwork on XX/XX/XXXX. I believe this is when I reached out with my first complaint to CFPB, and the issue was remedied. 

The problem now is that as a result of XXXX incorrectly putting my loans into forbearance, my interest rates were capitalized. I have a problem with this, as I did not request a forbearance, and immediately called to correct it. I believe that my interest rates being capitalized was a mistake that was the fault of XXXX, and I would like to have this rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT WAS REPORTED ON MY CREDIT THAT DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. IN NO WAY IS THAT ACCOUNT CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: LFG Data Services Holdings, LP
State: GA
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:
A bankruptcy is inaccurately being reported on the credit profile for which my social security number is attached to. There are discrepancies regarding matching my information with that on the bankruptcy listed. I need this company to do a thorough investigation which includes showing proof of any signatures by me validating this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Problem with personal statement of dispute

Complaint:
i have filed a cease and desist against XXXX XXXX XXXX XXXX the continued communications have caused me to suffer severe humiliation, distress, and embarrassment. with unauthorized alleged amount of {$6000.00}. its also infringing upon my right to privacy

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 2021-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
As of XX/XX/2021, interest rate on Chase " Slate Credit '' card will be 29 %. Why is this legal when " 0 '' interest rate is what interest is for Banks as of last report from Treasury. 
This is absurd to bulk Consumers for this high of interest on a credit card when Chase bank pays '' 0 '' interest rate. 

Is there no control or protection for Consumers?

Company response to consumer: Closed with explanation