BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have emailed many times my update FTC identity report you continue too list these 2 medical accounts which is not mine XX/XX/2018 you relisted these accounts on my equifax credit report delete now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I WAS A VICTIM OF ID THEFT AND THE ACCOUNT WAS OVERDRAWN I WAS NOTIFIED BY CHASE BANK TO PAY THE FUNDS WITH SECURE MEANS IN WHICH I DID I WAS THEN TOLD TO WAIT FOR 6 MONTHS APPROXIMATELY AGAIN IN WHICH I DID I WAS ABLE TO REOPEN THE ACCOUNT AND NOW ITS CLOSED THE ACCOUNT NEVER WENT BELOW NO BOUNCED CHECKS NOTHING ADVERSE. MY ACCOUNT WAS CLOSED THEY TOLD ME THEY DONT NEED TO TELL ME WHY AND I CAN NOT REOPEN MY ACCOUNT ... ... I WANT TO KNOW WHY I WAS TOLD TO FILE POLICE REPORTS IN REGARDS TO THE ID THEFT SUBMITTED THEM AND NOW THIS PLEASE PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A student load was opened in my name fraudulently, I have never even applied for a student loan.

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 2018-06-14
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2017 I reached a settlement with a law firm D Scott Carruthers representing XXXX to settle my account for {$7500.00} and remove the negative items on my credit report. I attached the settlement emails and the verification of my completion of the terms. I specifically ran my credit report prior and included in the exhibits so there was no confusion. Unfortunately, they did not remove my negative items. I repeatedly called and emailed both the law firm and cash call to remove and even tried to submit to the Credit Reporting Agencies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made multiple purchases on the same day because my bank 's overdraft policy states that the maximum amount I can be charged in one day is {$100.00}, or three overdraft fees of {$34.00} each. However, I was charged a total of eight overdraft fees amounting to {$270.00}. 

I called the bank, and they explained that different types of merchants ( retail, restaurants, etc. ) process their payments in " batches. '' This apparently means the merchant does not submit their request for payment from the financial institution immediately, but at some later date. The bank explained that the overdraft fee is based on when the payment is presented to the bank by the merchant, and not when the card is swiped or authorized. That was my understanding of the bank 's explanation. 

I believe, respectfully, that this is a deceptive marketing/trade practice. Had I been aware I would be subject to eight potential overdraft charges I dead of the daily cap of three, I would not have made multiple transactions on the same day. 

Furthermore, charges from various types of retailers ( gasoline, retail, restaurant ) were all processed and posted on the same day ( XX/XX/XXXX ), but various other charges from the same types of retailers were not processed or posted until XX/XX/XXXX. Attached, please find a list of such charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX overcharged me with a {$10000.00} bill for a single epidural injection. The insurance company negotiated it down to a total of around {$750.00}. Out of which the insurance paid 70 % and I paid 30 % to the collections agency - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXX XXXX agreed that the debt is settled in full and they would close my account. 

Today, after 1.5 years, I get a letter from XXXX XXXX that I still owe {$9600.00}. They never closed my account even after agreeing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a credit monitoring service that I pay monthly through XXXX. I should be receiving all 3 credit reports monthly. However I have only been receiving from XXXX  and XXXX. Equifax has not been making my credit report accessible, despite the fact that I have been paying for it monthly. 

I called Equifax on XX/XX/2020 and they said that they do not have a reason why I can not access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am XXXX XXXX   Owner of XXXX XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am Self Employed Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA 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 2021-05-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally mistakenly paid off my vehicle on XX/XX/2021. Called on XX/XX/2021 after receiving an overpayment check. Told 1-2 business days for contact. No contact called on XX/XX/2021 no help again told I would receive contact on XX/XX/2021 no contact. Called on XX/XX/2021 again no progress, contacted Ally fraud department to report no contact. Was instructed to make a report to NC insurance and to this agency. Every time I have contacted Ally they act like this is the first contact, they asked me to Contact the insurance company XXXX XXXX ) which is not my insurance and XXXX has no record of this. The amount paid was {$12000.00} and according to Ally the title was sent to XXXX. My vehicle has been in no accident. My contact number is XXXX email 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 2020-07-28
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 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. 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 incorrectXXXX XXXX XXXXXXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation from case number : XXXX and case number : XXXX. 
The issue : My account is showing as past due. My credit report is now showing 30 days past due - causing my credit score to drop and I have a late charge on my account. 

Situation : XX/XX/XXXX - XXXX XXXX- Received a call from XXXX, she let me know XXXX is no longer with the company. She is reviewing my calls. She hopes to have the issue resolved by this XXXX  XX/XX/XXXX. 
XXXX XXXX XXXX- I called XXXX and left a vm asking for her to return my call.

I checked my account online and it's not updated. I let her know this is the 3rd call I've made to her without a response. 
XX/XX/XXXX XXXX - XXXX called me and let me know a credit was placed on my account for {$1300.00}. XXXX said is going to advocate for a full monthly payment to be credited to the account. She will follow up with me on Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX the following week. She also let me know she would remove the late fee on the account ( XXXX, XXXX, XXXX ) Please review ALL calls. 
XXXX and I spoke multiple time on XX/XX/XXXX because we were not in agreement with how the money was lining up on the account. 
XXXX never followed up with me to confirm if the full payment would be credited, it wasn't until I received a note on my door on XX/XX/XXXX and called in that I found out nothing was done. Since then, I've called XXXX three times left a voicemail each time and I have not received a follow up call yet. A field inspector came to my house and left a note on my door to call Loan Care - That is unacceptable considering all the back and forth communication I've had with the company. That tells me there are not clear notes on the 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 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I am filing this complaint because after reaching out to capital one to resolve the issue they were not willing to assist. This complaint is in regard to 30 day late payment that is reporting on my credit history for the months of XX/XX/XXXX- XX/XX/XXXX. 

I was making monthly payments as usual through all of those months ; however, they are stating that a payment was returned in XX/XX/XXXX that I was not informed of which is why the history is reflecting the late payments. 

I have had an amazing payment history with them and I was not aware of any payment being returned nor did I receive any notifications from my bank nor Capital One even while I was making payments via their representatives. 

I feel if the payment was returned I could have been informed via mail or even by a phone representative instead of them not letting my know they continued to accept monthly payments as usual and negatively report my accounts to the credit bureaus when the situation could have been handled more professionally. 

I was informed by a manager on their escalations team to dispute the late payments ; however, upon initiating the disputes they continue to state they are accurate even though they informed me they would remove - update my credit file with the credit reporting agencies ; however, they have failed to do so. 

They also have address listed as XXXX XXXX XXXX, XXXX AL XXXX which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I noticed a few items on my credit report that were unfamiliar. I challenged the bureaus and disputed some of the items with the creditors. One creditor in particular, Diversified Consultant, has inserted, removed and reinserted several accounts on my report in an attempt to collect a debt that does not belong to me. I observed on one of the letters, that my name was inserted on a bill dated from XX/XX/XXXX - XX/XX/XXXX. This was the first discrepancy that caught my eye. I've been requesting validation from this company for two months and they finally responded with a forged document ( bill ) dated a month prior. How is this possible that I'm fighting a collection company on a bill or debt that's not even 30 days old? 

Then they sent a letter shortly afterwards saying that the account with their office would be closed. 
I checked my report again and lo and behold, Diversified Consultants, again reporting this debt on my report. Only this time, they changed the account number. and sent a similar bill with my info photoshopped again.I 've disputed this account with the credit bureaus, to no avail. I'm not sure how this is even legal, but I decided to complain here as another option before I consult with an attorney. Also, now they are reporting the debt as XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: First Data Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In regards to : First Data Corporation ; XXXX XXXX XXXX XXXX, XXXX is a registered ISO of XXXX XXXX XXXX, XXXX, XXXX, CA ; XXXX XXXX XXXX, XXXX XXXX, NY ; and XXXX XXXX, XXXX, AL. Review First Datas Legal Policy. 

This company processes the credit card payments for all of my customers. I have a dance school and I charge my customers monthly per their classes. It has been over one month that First Data Corp has frozen my money in which they now have explained there was a red flag payments they collected and wanted an explanation. In which I explained to the lady named XXXX XXXX that my students/customers leave their cards on file in which we have authorization in writing from each of them authorizing each charge and to leave their cards on file. First Data Corp has told me that their affiliated/referred company which is the software company that I use has registered my account as not allowing for credit cards to be hold on file. 

I need for someone to please investigate this issue because all they tell me is that their company is the biggest in the country for credit card processing but half of the time they don't give me a correct explanation. I have around {$8000.00} - {$9000.00} frozen and have to use my savings account to make sure my XXXX  can get paid this month. 

This is very frustrating as I am a XXXX  XXXX XXXX XXXX that I have to deal with this credit card processing company not trying to solve or work with what needs to be done so I can have my money that my XXXX paid me.

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 2021-05-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. XXXX is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of XXXX  I was told that the loan was probably transferred to XXXX. If so. why is XXXX still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, s AC and AZ

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 2018-12-20
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I sent {$140.00} to a ministry in XXXX for XXXX donation. 
The Western Union in XXXX were not operating hence, receiver told me to cancel the western union transfer and resend the money another means. 
I called western union today XX/XX/18 to cancel the transaction at the XXXX XXXX location on XXXX XXXX, PA.I spoke to 5 different western union representatives to cancel and receive the fund.None of the representatives were able to generate transaction number i needed according to the cashier at the XXXX XXXX location for the refund.I left the location frustrated and warned them that I'm escalating the unacceptable behavior to various organizations. 
I need western union to refund my money plus fees {$150.00} as soon as possible. 
FYI Tracking # for the transaction XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I check my pnc XXXX XXXX checking account on XX/XX/2018, then I found out there are 2 of XXXX dollar unauthorized ach transfer from my account to a unheard of ( XXXX  XXXX company which I found out from the pnc representative ). And I call the XXXX XXXX company it was XXXX XXXX phone number and no one answers, obviously it is a fraud. Now, pnc doesn't want to take responsible for it, and tell me to wait 10 business dates for the dispute. When I call again on XX/XX/2018, pnc trys to tell me any corporation ach transfer has to report with 24 hrs in order to dispute. This is so XXXX, my hard earning money of XXXX just disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted the paperwork for the debt showing and explaining that I did not authorize those charges. I also submitted the paperwork showing that I had to file a lawsuit to collect the debt along with the bankruptcy that was filed dismissing my judgement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: NJ
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT

Company response to consumer: Closed with explanation