BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is charging me for an account I never had with them I paid XXXX  XXXX for my auto loan It was a hit and run XXXX my insurance company along with gap insurance fully covered this loan once it was hit by another car it was a total loss Once these insurance comapnaies paid in full this XXXX   XXXX  called all over asking for me where I was they wanted me to pay them this XXXX somthing and I never paid them I always paid XXXX  XXXX and always on time I always paid the whole time I had that car always you could ask XXXX XXXX so I'm not even sure where these charges came from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2020 I used my Chase Bank credit card to make an online purchase from XXXX XXXX XXXX for {$1400.00}. A few days later, i noticed that the tracking number was marked delivered, but I never received my order. I first reached out to XXXX to resolve the issue but was met with extreme resistance. I subsequently contacted Chase to dispute the transaction, only to be placed on a merry-go-round. Chase then contacted me and said that " because there is a tracking number, we can not resolve the dispute in your favor. '' I tried to explain that tracking numbers could not be used as proof of delivery without reasonable doubt, and that it was foolish of the merchant to not give strict delivery instructions to the courier based on the high value of the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Ballybunion Enterprises, Inc
State: KS
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:
There was no legal contract in place for this account and as part of an agreement handled with XXXX XXXX help the account was settled and to be removed from my file. It has not been removed and is reporting late when the money they were attempting to collect was not covered in a contract.

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 2020-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}

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 2022-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had applied for a chase buisness credit card and they had denied me because of my personal credit report and my personal credit score violating U.S. code 1681. And they should have not looked into my personal credit at all.

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 2020-09-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Account is incorrectly being reported to my credit report. There are several discrepancies that are being reported to each bureau : 1 ) Payment status : XXXX  and XXXX  reporting 120 days past due and Experian showing Account transfered. 
2 ) Blance : XXXX  and XXXX  shows {$0.00} and Experian is N/A 3 ) Last updated : XXXX  is XX/XX/XXXX and XXXX  and experian shows XX/XX/XXXX. 

Account is also duplicate on my report where one is reporting the discrepancies mentioned above and the correct account is reporting on time and in good standing with all accurate information. 

Please delete inaccurate account as it is reporting my credit incorrectly and inaccurate.

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: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license  numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Brightwater Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received phone call from XXXX with bright water capital XXXX stating that her company bought my original debt from XXXXXXXX XXXX and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from XXXX XXXX ( XXXX ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from bright water capital to please send me proof of debt which she only offered to do in an email. 

Brightwaters proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX  ( the actual creditor is XXXX XXXX  not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. 

XXXX proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. Brightwaters email does not state that. 

If XXXX is in fact who I owe the money to then what happens to all the money that I paid brightwater capital on this account? 

I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. 
Thank you for your assistance Please help, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Sunday XX/XX/XXXX I logged into my online banking to process a transfer for XXXX so that I could use the funds for the purchase on my home. I made the transfer from one Capital One Bank account into another Capital One account. Once I completed the transfer I saw that my available balance grew by the transfer amount. I then initiated a wire for XXXX but upon hitting submit received an error message " we hit a snag ''. I didn't think anything of it because after hitting submit I was charged the wire fee of {$30.00}. On Monday the wire never went through, and now on Tuesday the Bank is telling me that although this was a Bank to Bank transfer because the accounts are on two different platforms, it will take 1 to 4 business days for the funds to show up on my account. However they already charged me the wire fee on XX/XX/XXXX and never sent the wire on XX/XX/XXXX, the next business day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
- I was alerted by XXXX XXXX that a debt collection for $XXXX was added to my credit score. I initially did not recognize this debt, but I contacted the collection agency and paid the full amount. XXXX XXXX XXXX the credit agency provided me with "Proof of Full Payment", confirmed that they have contacted the Credit Reporting Agencies, and sent me an email with a letter confirming full payment. This was on XX/XX/XXXXSince that time, I have spent countless hours on the phone, sending fax information, and entering disputes with Equifax. I have sent Equifax all the necessary documentation, the collection agency has provided Equifax with proof, I have spoken with close to 10 representatives from Equifax at this point, and yet THEY CAN NOT CONFIRM THAT I HAVE PAID. So this is still impacting my credit score. This experience is nothing short of gross negligence and incompetence by Equifax. Equifax is making it close to impossible to confirm that I have paid the $XX/XX/XXXXand this is impacting my credit report, taking up countless hours of my time, and impacting my overall mental health and quality of life at this point. After all my effort I am no closer to having this resolved. If you could intervene to make sure I am not being taken advantage of that would be great. I also want to file a formal complaint or even take legal action against Equifax for this. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX I owed for the prior month XX/XX/XXXX and for the current month XX/XX/XXXX. On XX/XX/XXXX of XXXX I made a mortgage payment for {$1400.00} and on XX/XX/XXXX my XX/XX/XXXX payment posted on the amount of {$1400.00}. The result of these payments in XXXX of XXXX mean that we were current with our payments AS OF XX/XX/XXXX. All year XXXX XXXX  has reported in error that our XX/XX/XXXX payment was 30 days late. As we are monitoring credit for improvement we were able to see the mistake and we went through XXXX appropriate dispute department. They did an investigation and indeed agreed that the XXXX was ON TIME. They mailed a letter to our home and emailed to me as well in encrypted email the letter stating that the error was corrected on their reporting system and that XXXX, XXXX, Transunion, and XXXX would be informed. Using credit monitoring we are able to see that the information has NOT been updated and we were then told to dispute the negative reporting. We did this and XX/XX/XXXX we received notification that the 30 day late for XXXX of XXXX was not corrected and that it was in fact verified with XXXX. Confused, we contacted XXXX and we were connected with an escalation specialist XXXX XXXX I have her direct contact information ) she asked me if we disclosed documentation with our dispute and I informed her that I had not seen a option to do so, she said that she could see the document from XXXX and that it was a matter of time before the correction would be visible to the 3 credit reporting agencies. I then went back into my dispute area with Transunion Credit Reporting app and I was able to upload the documents provided to me by XXXX verification that the XX/XX/XXXX payment was NOT 30 days late and they would correct per their investigation. We were correct. XXXX was reporting in ERROR! Today I received the results of the additional dispute and the 30 day late payment for XXXX of XXXX has AGAIN been verified EVEN THOUGH!!! I spoke with XXXX and I HAVE THE DOCUMENTS showing that it SHOULD BE CORRECTED. I will attached the documents from XXXX. I would most certainly appreciate this information to be corrected. The late payment is effective our credit worthiness and we have gone the whole year paying that price.

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: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$7400.00} XXXX XXXX {$3400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2018-02-27
Company: Bonded Business Services, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need XXXX XXXX and Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX  XXXX in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXXs five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXX XXXX   with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXXuntil it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX  and the receptionist of the XXXX at XXXX XXXX XXXX XXXXs. XX/XX/XXXX- After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XXXX, then XXXX  along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XXXX. This company is reporting a debt on my credit report that another company has. The other company, XXXX XXXX could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX  remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX XXXX  in XX/XX/XXXX. The XXXX of XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XXXX  Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: WA
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 wanted to lift the freeze I placed on my Equifax credit report several years ago. When I tried to do this through Equifax 's website, https : //www.equifax.com/personal/credit-report-services/credit-freeze/, I got an error message saying that it could not be doon. 

I then called Equifax at XXXX XXXX  ( today, XX/XX/16 XXXX to temporarily lift my credit freeze. The phone system didn't allow me to do it. When I reached an agent they told me that my account was locked and I needed to wait two hours. 

When I called back later ( XXXX XXXX  on XX/XX/16 ), the phone system once again didn't allow me to lift it. I asked for a human operator to call me back. When they did, the operator told me that I needed to fax scans of my ID to them, wait 3-5 business days, and then re-try the process. 

According to https : //www.consumer.ftc.gov/articles/0497-credit-freeze-faqs and https : //www.consumer.ftc.gov/blog/2018/09/free-credit-freezes-are-here I should be able to lift my freeze in one hour online or by phone, or in three days by mail. In this case, none of those options are working in the described times. 

This is frustrating for me because I'm applying for a home mortgage and this means I am unable to make offers on a home I'm interested in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: OH
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:
This is account is inaccurate and incomplete information is reported differently on XXXX, Equifax and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter on XX/XX/20 tracking number # XXXX recd at agency on XX/XX/20 to the collection agency asking to send : dunning letter with signed proof of receipt., signed contract that I engaged with any service with this company. The company only provided statements again, not proof of any services contracted with the company. They have failed to provide this information that is supposed to be furnished under the Fair Debt Collections Practices act. When nothing was received by the merchant I sent a copy of the letter to the credit reporting agencies with tracking on XX/XX/1920 whom only reached out to the agency and they verified it as accurate when nothing listed above has been provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief