BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are several violations here : 1. XXXX XXXX charged me for services that were not delivered. My cell phone rarely worked at my home and dropped calls often when traveling for 9 months I had service with them. They never improved the service or reduced the bill. 
2. XXXX agreed to cancel the remaining unpaid month of service, {$120.00}, if I paid off the phones I purchased from them for {$1200.00}. I paid for the phones, but they continued to try and collect for the bad service, finally turning it over to a collection agency. They refused any further effort I made to dispute the bill. 
3. Jefferson, the debt collection agency, increased a {$120.00} disputed bill to {$620.00}. They refused to cancel the bill or decrease the amount back to {$120.00}, the original XXXX XXXX bill. 
XXXX. The three credit agencies did not contact XXXX about the original bill after I disputed the bill. Instead, the only contacted Jefferson, who continued to validate the bill. The agencies also did not require Jefferson to reduce the disputed bill back to {$120.00}, but continued to keep the disputed amount at {$620.00}, even though I told them the amount should be reduced, at a minimum. 

Facts : 1. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. 
2. I advised the 3 credit agencies of this fact, but they refused to delete the bill from their files. Jefferson Capital System also refuses to stop reporting this bill to the credit agencies as a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: EQUIFAX, INC.
State: GA
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 did not apply for a XXXX XXXX XXXXXXXX XXXX account or any account related to them on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: PNC Bank N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I sent in a request to PNC to close my account, since they don't provide a way to do it on the website. Two months later, on XX/XX/XXXX, my account still had not been closed and I was charged a {$25.00} inactivity fee, despite having already requested to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: WELLS FARGO & COMPANY
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
OnXX/XX/XXXX, I received an email to my company email address from our XXXX vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) changing their wire instructions to Wells Fargo bank , account # XXXX. Two wires were sent out : first onXX/XX/XXXX in the amount of {$34000.00} and second on XX/XX/XXXXin the amount of {$40000.00}. Both wires were for the beneficiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed by XXXX XXXX that the wires had not been received. Then on XX/XX/XXXX, I was also informed by XXXX XXXX that their email system had been hacked. On XX/XX/XXXX, my bank files two wire transfer service request forms to return the funds due to the fraudulent account. The only response ( received XX/XX/XXXX ) received back from Wells Fargo so far is that there are no funds in the account to return.

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 2018-10-04
Company: JPMORGAN CHASE & CO.
State: GA
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 did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my XXXX credit report. 

I did not apply for a Chase credit card on XX/XX/XXXX. Please remove it from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was a victim of Transunion 's inquiry issue in their server error. I've contacted TransUnion on XX/XX/2020 and they refused to remove my inquiries.

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 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 opened a Credit Card account with Capital One to repair my credit after bankruptcy. I set up payments with my new XXXX XXXX XXXX checking account. I did prior have both a Capital One credit card and an old XXXX checking account that has been closed for over 4 years. I started to make payments and first one went through and then the second was rejected and didn't understand why since funds were available. When I saw that it was going to go past 30 days past due XXXX sent another payment since I did not want my account to go late. That payment was also rejected and then thought I may have had a typo on account and went in and tried to fix but wasn't able to see account information so I tried to input account correctly but was unable to since it said that account was already available. This is the ONLY account I could see. I called Capital One on 3 different occasions and was told about the old account is what I was trying to pay from and informed them that was impossible since that account does not appear in the app I used to pay. After talking to 3 Managers and all telling me they would look into, my last call with Manager I was told they all should've told me there was NO recourse since new account and nothing they could do. They closed my account and reported me 20 days late that hurt my reestablished Credit. Told me to get lost and nothing I can do. This is WRONG and I am harmed for their technical issues, not mine. This hurts me with credit and so surprised no one treated me like a human with legit concerns on failure not mine. My account is closed and harmed my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-03-02
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: Account information incorrect

Complaint:
During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: The CMI Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management LP, XXXX XXXX XXXX, XXXX Tx XXXX, furnished derogatory information which does not belong to me to XXXX. This information is now included in my credit file and damaging my credit score On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report included the following information, furnished by Credit Management LP : Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classifications : Cable/Cellular Original Creditor : XXXX XXXX Account Owner : Individual Account Original Amount Owed : {$210.00} Date of 1st Delinquency XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owed : {$210.00} Last Payment Date : Status Date : XX/XX/XXXX Status : D-Unpaid That information does not belong to me. It belongs to my son XXXX XXXX XXXX XXXX. This account was initiated while he resided in XXXX Ga. I have never lived in XXXX and this is not my account. I had previously spoken with XXXX and Credit Management upon receiving a collection notice at my residence in reference to this account. They assured me that the account would be annotated correctly to reflect my son. I am disappointed to find this information is now in my credit file and damaging my credit. There is no way a mistake of this magnitude should happen. This account should be under my sons SSAN.

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 2021-03-02
Company: Carvana Group, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I attempted to purchase a car through Carvana. I have been working on trying to obtain a car with them since XX/XX/XXXX. Every time I attempt to comply with their policy and procedure to obtain financing for a car, I am told different information each time. The lastest issue came about when I signed a contract to purchase a XXXX XXXX XXXX VIN number : XXXX. For starters, my credit was hard pulled twice within a 5 day time frame without explanation. I was advised that my down payment for the car would be {$400.00}. When it came time for Carvana to delivery the car to me, they rescheduled me twice. Delaying the delivery by one week stating they are waiting on a car title. If they did not have the car title, they should not have sold me the car. I decide after the 3rd delivery reschedule to cancel the order on that car and obtain another. I went back to the same platform to search for the same type of car, found one that I wanted, and started a new order. My credit was hard pulled again. Now making this 3 times within a month. My financing terms have significantly changed. I been advised that my down payment is now {$1800.00}. I have called Carvana for clarity now twice and no one is certain as to why my terms have changed within a 2 week time frame. I need specific answers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: DE
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:
I filed for chapter XXXX bankruptcy and the bankruptcy included my student loans. The judge reviewed my hardship And verified my documents to prove my inability to pay the student loans. 
I notified XXXX XXXX XXXX and they refuse to honor the student loans included in my ch XXXX bankruptcy and sends me notices every month. My bankruptcy was discharged XX/XX/2018. My bankruptcy number is XXXX Delaware bankruptcy. XXXX XXXX and XXXX  deleted XXXX XXXX XXXX from my credit report but Experian wont delete it. I can not afford $ 1798 month repayment. I get fired all the time. I gave this evidence to the judge. I have to work low paying jobs. Not earning anything near what my credentials are. This is related to XXXX XXXX. This was proven to the judge and he gave me and my family, mercy and included the XXXX XXXX, in ch XXXX bankruptcy. Please help me. I been battling this for two + years now. 
Respectfully, 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 explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX  Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}

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 2022-10-04
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 have constantly trying to dispute incorrect information on my credit report from these agencies that are not governed by law via myself as well as a credit company and still have yet to see any results. Please rectify said issue, this is grave danger to my livelihood.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There's incorrect personal information on my credit 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 explanation
Consumer complaint received 2020-07-24
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:
FTC violations never lived here : XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX {$0.00} US DEPT OF EDXXXX XXXX {$0.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$8300.00} 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 2020-08-26
Company: EQUIFAX, 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. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Account information incorrect

Complaint:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unauthorized use of ATM/Debit Card Account Ending in XXXX Claim Number : XXXX Amount : {$1700.00} Dear Sir or Madam : I am the victim of fraud. My ATM/Debit card was used for unauthorized transactions between XX/XX/XXXX, and XX/XX/XXXX. I did not authorize the transactions listed on the attached documents. In fact, I did not go into that store during that period of time, to the best of my memory. I did not authorize anyone else to use my ATM/Debit card. Also, I did have my debit card with me the day I went to notify the bank. I memorized my Debit card PIN and I do not have it written down anywhere. I do not have any idea of how my PIN was stolen from me. 
In XXXX XXXX the bank of America temporary credit my account, in XX/XX/XXXX the credit of {$170000.00} was removed. After that, I appeal the case and my account was credited in XX/XX/XXXX while my claim was in research. Finally, on XX/XX/XXXX the credit was remover again and the claim was closed.

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 2021-03-02
Company: Bread Financial Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$370.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They call all day and all nights from different numbers. They never say what company they are calling from just the first name of that person and a code number. These calls come every 30 minutes 6 to 8  times a day. So many voicemails of the same thing over and over. They voice of the person is not clear of understanding of what they are askinh me to call a number and code number. I have had to block unknown numbers and they have been calling restricted calling.

Company response to consumer: Closed with explanation