BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: EQUIFAX, 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 was a victim Of identity theft mainly because of the Equifax data breach. My information had been compromised and use to open fraudulent accounts Mainly with comenity bank. And then they went to collections selling my information to XXXX XXXX XXXX THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX/ beginning with XXXX XXXX XXXX XXXXXXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX  XXXX XXXX that is on my credit report is not supposed to be on my personal credit. It was a business account. Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal? Ive disputed this account 4 to 5 times on XXXX and Equifax, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( Transunion ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation.

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim Of identity theft mainly because of the XXXX  data breach. My information had been compromised and use to open fraudulent accounts Mainly with XXXX XXXX. And then they went to collections selling my information to XXXX XXXX XXXX  THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX beginning with XXXX XXXX XXXX XXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately

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 2021-09-05
Company: Patient Accounting Service Center
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XX/XX/2020 I have received eleven delinquent payment notices from ARstrat for XXXX billed items. In every instance I provided proof that payment had been made. For ten of the notices, I never received any follow up from ARstrat. In one instance, I receive a form letter rejecting my proof. I called ARstrat. They confirmed my payment had been made to XXXX and apologized for sending the form letter. 

A sample of my proof is attached. It was for ARstrats most recent notice. It contains a copy of the XXXX bill for the item cited as delinquent annotated with my payment date, check number, and amount paid. A second proof is from my bank statement attesting that the payment check had been cashed. When appropriate ( as here ), a third proof is the next month bill from XXXX showing that I had NO past due amounts. 

Clearly the basis for ARstrats collection letter is false information from XXXX. XXXX  accounting does not follow standard accounting practices. When my payment is received, it is simply applied to the oldest service dated outstanding item ( s ) in my account, not to its designated item ( s ). That old dated item may be a recently booked posting that has yet to be billed to me. Hence, paid services may appear unpaid or underpaid in my account and the old dated item never appears in any billing. Even more confusing, XXXX  billing personnel often can not determine from what billing date ( if any! ) a payment originated. Although Arizona law prohibits such procedures for billing business entities and third parties, they are allowed for individuals.

My latest collection letter from ARstrat ( sample attached ) does not contain XXXX reference number for the supposedly unpaid item. Earlier letters did provide these numbers. This is important, since some bills do include multiple billing items on the same service date for the same dollar amount. Distinguishing which one is the subject of a collection requires this XXXX  reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Capitol One has charged me interest for items that were returned, charged over 400.00 in gift cards promised but not credited back to the account, needs to adjust the pricing on  item, and needs to show a proof of purchase for a XXXX dc location receipt. I was charged an amount i didnt agree too. 
I am owed several thousand dollards by Capitol One and  want it credited back immediately. They have been scamming me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: FORD MOTOR CREDIT CO.
State: MS
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:
Ford Motor Company reported a late payment in XXXX of 2020 on my account. Ford Motor company pledged to not report late payments during the earlier parts of the Covid pandemic as there was a global financial crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: Experian Information Solutions Inc.
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:
Report Number XXXX Date Generated XX/XX/2021 / XX/XX/2021 XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 
The info is not correct. 
I have asked them to remove this account, the other Credit Bureaus have removed this account

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 2021-11-17
Company: EQUIFAX, INC.
State: PA
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 was reviewing a copy of my credit report and seen some fraudulent chargers on XXXX, XXXX, Equifax XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section XXXX plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out countless times to Credit Management and advised them that someone not only got an apartment in my name but proceeded to get cable as well. I've advised them that the account is not associated with me. Although the balance does not belong to me, I've tried to come to a settlement to simply get this debt collection off of my credit report. Credit Management will not budge. I proceeded to dispute this with my credit bureaus and was told that Credit Management has accurate information therefore they are unable to remove this collection account from my report. This collection report is making it impossible for me to do what is needed in my household credit wise due to high debt reports. This account does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filing a complaint against Bank of America for their dishonest, unprofessional practices on a reversal payment to my checking and debit account I am very dissatisfied with BofA. On XX/XX/XXXXI had a reversal payment in the amount of {$270.00} from XXXX XXXX XXXX due to a glitch in their system, I have been assured by XXXX XXXX XXXX supervisors that the money was reversed back to my account on XX/XX/XXXXand it would take two business day to reflect back to my account. I have been calling BofA to find out about my refund they did not have a clue XXXX XXXX XXXX had assured me it would take two business days to reflect on my BofA account which it would have beenXX/XX/XXXX. On XXXX I call XXXX XXXX XXXX and connect Bank of America and we had a conference call with supervisor XXXX from BofA XXXX XXXX XXXX assured him the funds had been reversed the same day ofXX/XX/XXXX Bank of America supervisor could not explain why the funds had not been put back into my account he informs me the funds could be available on Monday, XX/XX/XXXX well today is Tuesday XX/XX/XXXX, and no funds have been released to my account. I call BofA and spoke to XXXX very rude, I requested a supervisor and I got XXXX he did not have a clue why my funds were not put back into my account. I call XXXX XXXX XXXX and had XXXX on the line and connected once again BofA and spoke to XXXX we had a conference call she also tried to figure out what was happening with my refund since I had XXXX XXXX XXXX on the line and they assured XXXX the funds had been reveres on XX/XX/XXXX, she could not figure out why my funds were not available.I have to continue to wait for my {$270.00} funds.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: PA
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 a follow-up complaint against Experian ( see XXXX ) because this credit bureaus has either ignored my concerns in XXXX - they said that I did not provide specific disputes when they have records of those specifics from my disputes via online ( when I had access to dispute ) and via mail. 

I have done everything possible to formally file my disputes, and this CRA has repeatedly violated multiple sections of the FCRA with no regard for accuracy in reporting. The inaccuracies that I have disputed have come directly from the reports they have furnished! 

The company, as retaliation against me for filing a complaint with the CFPB, appears to have deactivated my ability to dispute legitimate errors on my file, online. I spoke with a representative recently who attempted to assist me but it was unsuccessful. 

Attaching formal disputes sent via certified mail to the credit reporting agency. These are the same online disputes that were submitted, although I can not access them because Experian has blocked me from using the dispute feature. I received an error message regarding technical difficulties. 

This credit reporting agency, at a minimum is violating 3 sections of the FCRA ; Sect 609, 611, 623.  Experian is reporting inaccurate information on my file as " accurate. '' They are not investigating.

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 2021-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
JPMCB - CARD SERVICE ***** Opened XXXX XXXX, XXXX Balance {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Invasion of privacy publishing my consumer information without consent.

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 2018-04-09
Company: Optimum Outcomes, Inc.
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:
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code,  they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

Optimum Outcomes XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Debt Amount- {$510.00} Opened on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit balance on my credit card due to refunds and Capital One won't send me funds that are owed to me. I requested that my credit balance be sent to me on XX/XX/2020. I was told that a 15 day hold would be required since the amount was over {$10000.00}. I don't understand why, but I can accept that. On XX/XX/XXXX, an adjustment was made to my account and the refund was processed, so I thought, and that is what is reflected on my online account information and per customer service rep. Now ( XX/XX/XXXX ) I'm told they are holding funds because I have a credit charge dispute. They don't know how long they will hold it. I was never contacted that there was an additional hold. The only reason I know this is because I inquired that it was taking too long. The disputed amount is for 2 charges of {$1600.00} total. My refund is for {$15000.00}. If they need to hold funds for the dispute, then only up to the amount of the disputes should be held and a refund of {$14000.00} should be made immediately. The have no reason to hold my money. I also had issues with 2 previous credit refunds. They twice stopped payment for no reason on checks sent. Those have been resolved, but add to the shameful practice of holding on to clients ' funds inappropriately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I met with XXXX XXXX XXXX, to inquire about purchasing a XXXX XXXX XXXX. I had the vehicle inspected by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  cleared the vehicle, indicating the engine was okay. On my home, a short time after purchase, the vehicle started to hesitate and lost power. Immediately, I contacted XXXX XXXX broker to return the vehicle and request a refund. The transaction took place from my debit card using XXXX XXXX. XXXX ignored my calls and rejected my refund request. I contacted my Navy Federal Credit Union to initiate a refund or stop the transaction since it was a fraudulent transaction. I received a provisional credit of {$2400.00}, pending further investigation. 

On XX/XX/XXXX, Navy Federal Credit Union reversed the provisional credit, since the transaction took place through an intermediary app. That resulted in my bank account being overdrawn by - {$1300.00} and potentially ruining my credit. I was told by the supervisor, the transaction happened peer-to-peer and the funds were lost. I inquired about being protected by the FDIC and was told XXXX XXXX  does not follow federal regulations, and I would have to retract my money directly through XXXX XXXX. I have since incurred late charges to my loan payment due to my account being overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am complaining about Shellpoint Mortgage Servicing. Recently my attorney sent the servicer the sum of {$170000.00} to pay down the principal of my mortgage and the servicer sent the money back for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: JPMORGAN CHASE & CO.
State: OR
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:
I was a loyal XXXX and Chase credit card customer and made MANY purchases every month with my XXXX card via Chase. XXXX day I noticed a charge I did not make and almost missed it because it was for such a normal amount ( {$12.00} ). I called XXXX, who told me i wouldnt be able to see the charge made on my account because it was on someone elses XXXX account named XXXX, and I immediately told them that the charge was not authorized by me whatsoever. I have ZERO other charges on my XXXX account for anyone elses name nor have I authorized my card to be used by anyone else. I then searched back on my Chase card and realized these transactions had been occurring monthly as a monthly XXXX account membership charge ( despite the fact that I pay annually ). I immediately contacted Chase to dispute the fraud and also thought I saw XXXX other charge I did not make. Chase opened a fraud claim and after weeks of waiting, I received information back that my claims were denied because I benefited somehow from these transactions. Not only did I not benefit, but I did not authorize these charges and neither XXXX nor Chase notified me or alerted me at all that these charges under someone elses name and on someones elses XXXX account were being made on my card. Horrible fraud prevention services entirely. 

Once my claim was denied, I appealed and contacted my local Sheriffs Department and made a police report. I notified Chase of this police report and emailed them all pertinent information. Throughout this process, I contacted both Chase and XXXX numerous times who kept telling me to dispute the charges with the other company ( Chase would say to contact XXXX, XXXX would say to contact Chase ) and both just sent me in circles, but never once did either company actually assist me in any way resolving these charges or taking responsibility for not having notified me of someone else having the ability to use my card. My appeal with Chase was then denied. 

I did not make the following charges to my Chase XXXX card NOR did I authorize anyone else to make these charges via XXXX or Chase and I did not in any way benefit from these charges : Charge 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 {$12.00} x XXXX months = {$230.00} XXXX total disputed charges XXXX

Company response to consumer: Closed with explanation