BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received this in the mail today regarding a medical bill. I have not been to the hospital at all, nor am I liable for this debt. I also have insurance so my insurance would have covered this expense in full! This has to be a billing error. Remove this at once as this is tarnishing my credit score and was NOT authorized. I have not been to the hospital

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 2021-10-14
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT and FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: SC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account was closed XX/XX/2020 by the Company without cause as I was making my payments on time. After closing the account I continued to make payments on the account in good faith as I had utilized the card. This closure has not only affected my credit but it has caused a hardship. During the months after the closure of the card the economy suffered loss which ultimately affected my ability to pay on time. My employer payroll date is between the XXXX of the month. I requested a changed of my due date however was told that I could change the due date as the account was closed. However I was told by XXXX Senior Account Specialist that the terms of the account are the same. But I am consistently being assessed a late charge and unable to change the payment due date due to the account being closed. This company is taking advantage of the economic downfall and my inability to pay prior to the XXXX of each month. I was advised prior that a representative was changing the billing cycle on my account to assure that late fees were not being assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX i tried disputing this about 3 times. This account was paid for in full through collection agency. It should states paid in full. Experian keeps updating this account. XXXX XXXX XXXX i would like the foreclosure procedure to be updated as unkown because i have been working on my credit and i am trying to purchase a home and this remark is a negative remark. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Did not authorize these inquiries i called Experian to tell them they just said it has to stay on my report for 2 years. But why when i didnt authorize them

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX RAN MY TWICE ON TRANS UNION AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.

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 2017-12-28
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX financed my new XXXX XXXX the company in XXXX aid i had not made any payments which i had and they have continued to tell me i haven't they  have wrongfully repossessed my XXXX by not notifying me that they would be repossessing the vehicle as well they did not give me any option to pay or work out anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My dad passed away in XXXX 2021. SPS sent someone to my dads house on XXXX/XXXX/21, then XXXX/XXXX/21 to winterize it without approval or notice to me. While they were there they stole approximately {$4000.00} worth of my dads ( now mine and my brothers ) property. I called to let the company know, they simply told me to file a police report. There was no forced entry on the house so the only people who had access to the house is the mortgage company, which Im also not sure how they entered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: NY
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 an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions 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:
I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.

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 2020-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Please see my Dispute Attach Letter with exhibits as proper proof this debt collector is trying to collect an amount that I don't know where is coming from, Please see the CFPB Complaint # XXXX as reference. It looks Capital One is engaging in the business selling consumer Accounts to debt collectors. 
I would like to include Capital One I'm requesting the CFPB regulator to enforce monetary compensation for this ongoing Trend against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing the credit profile XXXX XXXX XXXX continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?

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 2022-03-03
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This relates to 2 transactions I tried to dispute with Chase. 

The first was an ordered placed on XX/XX/XXXX for an amount of {$960.00}. I received the merchandise after the agreed upon date an contacted their customer service to return the item for a refund. Despite following their steps, I never received my refund and they did not respond. After that, I contacted Chase to dispute the charge. A temporary credit was issued while they investigated the charges. 

The second transaction was placed on XX/XX/XXXX for an amount of {$3700.00}. The items never arrived. When I contacted customer service, they assured me they would issue a refund. I waited over 3 weeks for said refund but it never came. I then contacted Chase asking to dispute the charge. 

In both instances, Chase requested additional documentation after I had provided initial information. I asked how I could provide it. I tried calling multiple times and was placed on hold over 4 hours each time. I tried emailing and did not get a response. I tried using their secure messaging through their website and the only response I got was an automated reply saying there are delays. After multiple attempts to provide the requested documentation, Chase declined to issue charge backs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As a consumer of the United States, I sent Trans Union a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on several accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX, XXXX XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. As mentioned above a copy of a billing statement is not physical verification. The two companies I just mentioned that pay for services from a provider such as Trans Union have not furnished me any sort of documentation within the allotted time frame ( 30 days from XX/XX/21 ) at all. Delete this negative information from my consumer report. STOP using stall tactics. YOU KEEP CHOOSING TO BREAK THE LAW. Your time has been up by law and you have to delete these fraudulent negative items from my report that you should of been deleted in the middle/end of XXXX. YOUR LATEST RESPONSE FROM XX/XX/21 IS NOT ACCEPTABLE AT ALL. You stated that my complaint includes a dispute of information appearing on my report. Your 100 % correct, it does which is why I sent in letters in XXXX. You had 30 days to gather any information regarding the validity of these negative, fraudulent, erroneous items and you as well as the two companies have not sent me any valid proof bearing my signature. Stop using stall tactics. How dare you state you will have someone from consumer relations enter in a dispute and then well wait to see what happens in 30 days. NO that is not acceptable, you had your time for your investigation and Im sick and tired of Trans Union reporting incorrect, negative, erroneous, fraudulent information on my report. DELETE THESE NEGATIVE ITEMS OF MY REPORT IMMEDIATELY. Your 30 day window been expired.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-05
Company: Exeter Finance Corp.
State: TX
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:
Applied for car loan with one finance institution and application was sent to several institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: DISCOVER BANK
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:
discover XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX | XXXX  XXXX  XXXX  and XXXX  - XXXX  Purchase a old debt that belongs to my father. I believe this was some kind of business loan from 2005. XXXX XXXX | XXXX XXXX XXXX and XXXX - XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, OH XXXX I can't find any information on XXXX XXXX | XXXX XXXX XXXX and XXXX - XXXX I was never provided a account number I was never notified of any debt in my name. 

Threatened with fraud Threatened with lawsuit if I did not pay for debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CITIBANK, N.A.
State: FL
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 received an email from Citi cards on XXXX/XXXX/17 that there was an activity on my account. I read the email and it stated there was an increase request. I did not apply for an increase. So immediately called card member services and they were closed. I asked my wife to log in at home to see what 's going on, because I was at work. My wife spoke a representative via chat and also emailed customer service. We advised in chat format ( writing ) not to process the increase request, and to document the account this was unauthorized.
I 'll give a little background, we recently moved and sold our house and our mail is forward, with that being said we have not been getting all our mails, and or address has been updated through the postal office with addresses that we do n't reside at. We put a block on our credit report because of this. My wife working in the XXXX XXXX XXXX XXXX and me being XXXX XXXX. We are disgusted the CITIBANK will think that we will apply for an increase and then before the decision decide to lie and make up that 's it fraudulent.
I called and spoke with customer service on XXXX/XXXX/17 and was advised '' there is no way an increase request can be submitted frequently, because the system asks for the last 3 codes the back of the card. So I logged and we tried with out submitting the submit button and it NEVER ask for any pin or codes. So I decided to contact customer service again, and ask to speak with a manager. The manger tells me that that they will have a 3rd party person do a research request to find out if someone logged in manually or it was do n't automatically through the saved logged in feature. This makes me believe that CITIBANK already has made there mind up that this is not unauthorized inquiry and puts me in a pool with everyone who disputes this. I asked for a new credit card to be submitted because I 'm currently staying with extended family while my home is being built and I do n't know if someone has or have access to account information. I have my log information for all accounts stored in closet. I will not make accusations but I have no proof.
.I 'm asking for someone over CUSTOMER SERVICE to look into this matter. I 'm requesting for this unauthorized inquiry to be removed please and someone who is bot bias to review this matter

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 2017-11-11
Company: JPMORGAN CHASE & CO.
State: IN
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:
CHASE CARD RAN MY TWICE ON XXXX XXXX AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: BBVA 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: Personal information incorrect

Complaint:
Equifax has me listed as XXXX XXXX XXXX XXXX XXXX XXXX transunion let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 compass bank sent the application that was a business of mine i'm the ceo never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were XXXX XXXX XXXX and Capital One. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CORELOGIC INC
State: TX
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:
Applied for car loan with XXXX finance institution and application was sent to several institutions.

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