BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received 2 invoices for unpaid tolls by Florida XXXX. XXXX invoice was sent to me in XXXX of 2022 the other was sent to me on XXXX of 2022. I paid both of those invoices when I got them but for some reason they got sent to Valor Intelligent Processing for collections. I went through the dispute process on Valors website and sent them the proof of payment for both of the toll invoices as well as the statement from my ipass transponder ( which is used as a backup when incase sunpass doesnt work ) and it showed that my ipass also paid some of the tolls that were accrued on XX/XX/XXXX and XX/XX/XXXX of 2022. They denied my dispute by sending me a generic email that very clearly showed they took no time to look at my dispute as it was addressed to Sir or Madam and the body of the email simply said " XXXX only sends your invoices to us when they don't receive a response for the unpaid tolls '' However I paid both the invoices so clearly I responded. I then called someone at Valor Intelligent Processing and they kept telling me that they had " No proof of payment '' even though I sent them 3 different proofs of payment. They have refused to acknowledge this debt is paid which has now caused a hold to be placed on my registration so I can no longer renew it. 

I also contacted XXXX about this incident and they agreed that they made a mistake and confirmed that my account was in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt recovery solutions is the debt collector, the original owner of the debt is XXXX fire and rescue. The date of service is in XXXX of XXXX, I had XXXX which became available in XXXX. I called and tried to explain to them about my insurance. The company gave me the run around I have disputed this claim five times to no satisfaction. When I did speak to someone they gave me XXXX number to do their footwork. XXXX said this company did not take out a claim towards my insurance for XXXX $ in XXXX of XXXX which they should have I presented the ambulance workers my insurance card etc so Im not understanding why they did not charge my insurance I tried to mediate with them to no avail and now they are after me about it I have had problems with the ambulance company. I called XXXX fire and rescue billing department last time it occurred but I wasnt aware they didnt send it thru until it showed up on my credit report last year and the date of service was in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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 was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
XXXX XXXX XXXX XXXX XXXX**** Opened Date XX/XX/2015 Balance {$2100.00} // Charge Off XXXX - XXXX XXXX  ***** Opened Date XX/XX/2015 Balance {$2100.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
hunter Warfield has been damaging my credit and ive asked them recently to send me verfication of this apartment being mine and they have yet to respond since XX/XX/2018 and this has been affecting my credit for five years and no understanding or removing of this negative mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX, posted a trade line on credit reporting agencies for a debt not owed to CASHNET. XXXX XXXX XXXX, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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: 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 APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX  XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX  XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute

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 2018-07-25
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDWEST RECOVERY SYSTEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX HAVE BEEN VERY AGRESSIVELY ATTEMPTING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME IN FIRST PLACE. THEY REPORTED A COLLECTIONON MY CREDIT REPORT CALLED MY HOUSE, WORK AND NOW CALLING MY RELATIVES AND ONE CO-WORKER THREATENING TO SEND POLICE TO MY HOUSE FOR ARREST IF I DIDN'T PAY THIS COLLECTION..PLEASE HELP THIS IS REDICULOUS AND NOW I FEAR FOR MY WELL BEING AND REPUTATION IN THE SOCIETY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, Experian claimed to have no record of me having a credit card ( XXXX to boost credit ), experian had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since XXXX  went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on XXXX, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..XXXX  had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards

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 2022-09-27
Company: Experian Information Solutions Inc.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted this credit bureau several time in regards to 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 2021-02-05
Company: Radius Global Solutions LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Received several calls from XXXX XXXX saying they were representing XXXX lender. I had a payday loan several years ago and paid it off. They said I still owe them money and I breached the contract. They also called and left a message at my mother 's house who I have not lived with in over 40 years.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in 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 2021-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a online transfer from my Chase checking account to my XXXX  XXXX XXXX checking account on XXXX XX/XX/2021, the amount is {$5000.00}. I used the transfer type is Chase 's " real time '' transfer. On Chase website, Chase comment " Limited to {$5000.00} per transfer ; Future-dated transfer are coming soon ; ... '' and " The money will usually be available in your external account a few moments after you send it ''. After over 20hours, this transfer did not complete! I checked my Chase account, this transfer was still " pending '' .This is not the first time I did the transfer from Chase account to my XXXX  account, the account No. is right. I do not know what happened, but I know this is not same as Chase said " the money will be available ... a few moments '' and this is not " real time '' transfer! 


Thank you for your attention and time Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2019 statement never received. Charged {$27.00} late fee for missed payment. {$7.00} interest. 20+ year payment history of paying account in full on each statement. Not registered for any form of electronic-only invoicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase dated XX/XX/2019 informing me they were closing three of my credit card accounts. I was traveling at the time this letter arrived at my home and first learned about the cancellations when a business did not accept one of my credit cards for payment. When I called Chase at that time, all they could tell me was " read the letter we sent you, we can not provide any other information to you ''. 
When I got home, the only reason for the cancellations stated in Chase 's letter was " our affiliate is ending their banking relationship with you '' ... I never understood what this means since I don't know what " affiliate '' they are referring to. 
Since I had no luck getting information from their Customer Service call center, I sent secure email messages on the Chase website to see if this would help answer my questions ( one of the customer service phone reps recommended this ). After a few Chase email replies suggesting to call customer service, and not getting any responses there, I realized I wasn't getting anywhere. The company switched from " you must talk to someone on the phone to get this information '' to " we can only answer you in a secure email '' and back again. 
I have a credit score of about 800 and have always paid my bills ( over $ XXXX/mo ) on time for several years. I am concerned that they have canceled my account because I have just recently become XXXX years old or some other unfair/unlawful reason and don't want to share this information with me. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: TN
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:
Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am displeased at the disregard to the dispute I recently submitted asking for fraudulent accounts I do not recognize to be validated.

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 2017-12-12
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX call made at XXXX pm Called in to inquire about a bill amount showing due. File status was on a {$0.00} payment plan notified 6 months past due on credit report on XXXX/XXXX/XXXX. I never received any calls about a delinquent status. Spoke with XXXX - XXXX was refused service after verifying full social and address. Date of birth incorrect asked for manager got a XXXX - XXXX. XXXX was refused service again after verifying full SSN asked for a XXXX XXXX was refused and told I will not be able to speak with anyone other than him. Would not provide a manger after multiple request. Would not provide manger ID after multiple request. Refused to provide address or phone number for a complaint department. I have filed a dispute with XXXX and possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: KY
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:
XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my XXXX and XXXX report updated to a back to late payments on accountThis was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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: Account information incorrect

Complaint:
I PAID THIS ACCOUNT OFF

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 2021-06-07
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is constantly calling me. I have records of the back to back, constant calling from them. I have asked them previously to stop the constant harassment but they continue to do so. They start these constant phone calls with a day or so past due and continue to call constantly ALL DAY until you make a payment. I have phone records to show this and it is not an isolated, one time thing. This happens all the time. Just today XX/XX/2021 I have received 5 phone calls from them starting at XXXX ( it is now XXXX EST ). They also email you as well. This is harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX has been removed from my XXXX credit report. I have contacted XXXX, Transunion, and XXXX. They keep telling me that they have verified it. How? How are they verifying it when XXXX   removed it off my credit? 

XXXX keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account. 

XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Charge off is inaccurate account according to IRS charge off can't be reported as ordinary income 15usc 1681 ( b ) or neither have I've received 1099 c form XXXX # XXXX resurgent/LVNV stated XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$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 non-monetary relief