BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-23
Company: AES/PHEAA
State: IL
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:
I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint some weeks ago on inquiries with transunion they deleted the ones I didnt need deleted from my report but now all the inquiries on my report are the incorrect ones. XXXX ( XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2017-09-23
Company: Avadyne Health Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - negotiated total out of pocket expense with medical provider prior to treatment.XX/XX/XXXX - billed {$280.00} in addition to agreed upon out of pocket expense plus insurance payment. Collection agency - H & R accounts reported unpaid debt to all three credit reporting agencies. H & R Accounts agreed to stop collection efforts based on  previously filed CFPB complaint ( XXXX ). I understand they are attempting to collect what their client claims is a legitimate debt. Because of H & R Accounts deceptive and illegal collection tactics, I would like to reopen the complaint. This is not a legitimate debt. As stated I negotiated my total out of pocket expense with the medical provider - XXXX XXXX XXXX XXXX prior to the XXXX XXXX. The hospital was also reimbursed by my private insurance company. No legitimate business would attempt to bill for services already paid for, especially when the total cost was agreed upon prior to service delivery. This fraudulent collection activity must stop. I demand that H & R Accounts cease all collection efforts and remove any references to collection attempts or unpaid debt from the three credit reporting bureaus - XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( MERCHANTS CREDIT GUIDE ) at ( XXXX XXXX XXXX XXXX. XXXX, IL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$69.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Merchants Credit Guide ( account # XXXX ) for the amount of {$69.00} I never heard of ( Merchants Credit Guide ) I never did a contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a item on my credit file with Experian, XXXX, XXXX that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.

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 2021-04-06
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: Information belongs to someone else

Complaint:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2020-07-20
Company: JPMORGAN CHASE & CO.
State: MO
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:
The JP Morgan/Chase statements were not being sent to our new address. We moved from XXXX XXXX to XXXX XXXX, MO. We notified them via mail and they did not respond. As a result, we could not pay the bill. We then decided to reestablish our mail box in XXXX XXXX because we were not getting our forwarded mail. That is when we finally started getting the statements and realized they had not been paid. Even when I called JPM/Chase, they still had the address wrong. They are currently reporting this as an error on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: KEYCORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, KEYBANK NA XXXX, is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I turned in my lease with Hyundai on XX/XX/2020 and had perfect payments until after I turned in my lease, as I was on autopay. As of XX/XX/2020, my credit report stated I had two late payments for XXXX and XXXX. I contacted Hyundai Motor Finance, end of XXXX when I was notified. Due to Covid, it took several attempts and over a week to get in contact with anyone. When I was finally able to speak to a human on XX/XX/2020 with Hyundai Motor Finance, I immediately paid the outstanding balance they never took out of my account for my last month of owning the lease. They never informed me they shut off my autopay without my knowledge and it began to negatively affect my credit. I also found out through this process that XXXX XXXX ( where I turned in my lease ) and Hyundai Motor Finance are two separate entities and do not communicate. Therefore, it took even longer to try to resolve this issue between the two companies and their lack of communication. For example, I spoke to XXXX XXXX and they informed me everything was fine on their end and I had a {$0.00} balance. Then I received a late payment confirmation from Hyundai Motor Finance and was informed otherwise. Covid really took a toll on this situation as well, as I was unable to speak to anyone after many attempts and several weeks. I ask that you review my entire credit history, in addition to all my payments with credit cards and Hyundai specifically. I have never had a single late payment until now.

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 2021-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CURO Intermediate Holdings
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
INXX/XX/XXXX " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS. 

SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT. 

AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''. 

" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED. 

" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I. 

I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE. 

THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED. 

DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES. 

I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX the owner and I, co-owner, made an accidental payment to our county taxesmistaking it was the ones we had to pay. We are new homeowners and we made a mistake. 

Between XX/XX/XXXX -XX/XX/XXXX, weve spent countless hours with Lakeview Loan Servicing trying to get our refund. Our county had sent out a check to our lender in which our refund is included. The refund from the county is supposed to fall in out Escrow account in which we were told by an agent XX/XX/XXXX to submit a bank statement where it shows that the payment was taken out. I sent that immediately over with the details of the check number the county provided and the date that they sent that check over to this Mortgage Lender. 

I followed up on XX/XX/XXXX an agent told me that there was no such thing of them doing that! Seriously?! Almost every agent I spoke to contradicts themself, the company refund procedures, etc. Mind you, I spend a good hour of waiting to speak to someone, who then transfers me to someone else that takes an additional 30 minutes or hour again. The agent that I spoke to on XX/XX/XXXX referred me to speak to the county again and confirm everything again. Theres nothing else they can do as they gave me proof of payment on their end. I got transferred to a manager that ended up getting me transferred back to an agent who couldnt help me and gave me the run around again. 

Ive been waiting since XX/XX/XXXX to get my refund. Still, nothing. I want answers, professional assistance and to finally have my refund.

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 2017-12-24
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
at COINBASE My account has been frozen for some " identity '' issue. They have re-verified my identity but my account and my assets are frozen. APARENLTY THEY USE THIS IDENTITY ISSUE AS AN EXCUSE TO LOCKOUT CLIENTS. I 'VE DISCOVERED ITS HAPPENED TO THOUSANDS OF PEOPLE WHO HAVE THEIR MONEY LOCKED UP IN COINBASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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:
First the date I opened the account varies depending on which bureau you view it from the amounts are all over the place. The fair credit act starts every thing must be 100 % accurate or removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: KEYCORP
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I began to receive credit card collection phone calls from KeyBank, XXXX for a KeyBank credit card account that was not mine. I was told that a credit card had been issued using my credit in XXXX for someone living in XXXX, OH, that no payments had been made for three months and that a payment of {$570.00} was due in a balance of {$9200.00}. 

I said that this was likely a card issued to my ex-wife who lived in XXXX up to her death on XX/XX/XXXX. I indicated, and later emailed the divorce decree to KeyBank, that we had been divorced in XXXX and that the decree, signed by both, specifically prohibited either of us from using the other 's credit. I also said that I had not been an Ohio resident since XXXX, XXXX when I purchased a home in XXXX CA. The KeyBank representative verified only that the non-payments on the card coincided with the time period after her death. I was told to fill out a fraud affidavit which I did. 

In XXXX, KeyBank contacted me again and said that the credit card actually originated in XXXX, XXXX and that the debt was mine. i stated that this was the date on which I originally initiated a banking arrangement with XXXX XXXX  ( later acquired by KeyBank ) and asked for evidence as follows : the credit card number, in whose name cards were issued, where cards were sent and proof that I had authorized my ex-wife to use my credit subsequent to the date of our divorce. KeyBank has refused to give me any proof of anything including refusing to tell me the credit card number, saying only " the credit card number is on the statement we have sent to the billing address in XXXX. '' Since approximately XX/XX/XXXX, I am told that my fraud claim is being re-reviewed by KeyBank. After almost three months with occasional collection calls, no action is forthcoming. KeyBank personnel refuse to communicate via paper mail or email so I have nothing in writing from them. I am only able to send written documents to a general mailbox. I have provided KeyBank with all written information it has requested. 

My credit reports with the three credit bureaus now show a 6 month delinquency on this account. My credit rating has plummeted and I am no longer eligible for any loans. I have disputed the inclusion of this credit card with all three bureaus, including sending them the divorce decree, with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In an effort to compromise with the debt collector, I settled the account for 30 % of amount owed in order to have it deleted from my credit reports. I have experienced extreme hardship over the past year and have finally started to be able to save for a home again. I will be applying for a mortgage in the next six months and this invalid collection is a huge hurdle in my effort to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello- and thank you for helping me. 
I want to start by saying that I have tried to close my account with PNC bank at least 4 times-now. I have never known them PNC to be as unprofessional and playing hardball as they are now. I have closed my account -yet they keep it open. It was first closed early XX/XX/XXXX and the teller told me that early the next morning they would close it, but some disputes was on it, in 2 weeks - I went down town DC to the PNC Bank and was told about the disputes, so I waited 2 more weeks-when the disputes were closed because the company wrote me and said they did not want any funds. PNC has an auto machine that answers the phone and is programmed to hang if the caller does not have a bank code. I had cut up my debit cards already and was not using the account because I thought it was closed. I went downtown to the DC PNC Bank again last week XX/XX/XXXX and it was still open, all disputes have been closed, and I told the young lady that it was suppose to be close- she told me the same-thing as the last teller- in the morning they will close it. I think PNC has gone crooked or loss their minds- please help me

Company response to consumer: Closed with explanation