BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: Cohen McNeile & Pappas, PC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just had a debt collector take {$1300.00} out of my account without ever contacting me. This is for a collection that they took money out before about 7 months ago. After they took the first bit out without contacting me, my bank gave me their contact info to get more information on why they took everything in my account. They said they tried and tried to contact me, but never left me a voicemail. Since then I have picked my phone up for every call or if I didnt I always call back, even if they dont leave me a voicemail just in case this happens again. Also I have no idea why they took out {$1300.00} if they told me I owe {$1200.00}. So they took even more then what they said they were supposed to. Also after the first time I asked them if I could set up payments so I could resolve the issue they told me they would call me back to set up payments. After talking to them on the phone today they told me they dont do payments, but I found their website and found that they do. The guy I talked to was constantly lying to me. They will not provide a receipt or any other documentation when I have asked for it. I have contacted them multiple times about this issue over the span of 7 months and he has denied this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: United Shore Financial Services, LLC
State: NV
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:
Hi there, My name is XXXX XXXX, I am a XXXX XXXX  and have three properties in XXXX XXXX. One primary residence and two rental properties.

One of the rentals was under renovation and another is being rented.

My tenant got laid off during covid-19 lock down and was unable to pay the rent. 
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from united wholesale mortgage that dropped my score by 100 points. 
I called UWM very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance ( file attached ). Customer rep from UWM submitted a request and told me I would receive a letter from UWM next 20 days. She also advised to file a dispute with credit  bureaus witch I did same day. 
I just received XXXX  dispute results and it still shows 30 day late payment. 
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX. 
I have 2 accounts with UWM and I paid my personal property on time but I did not have funds to cover the rental property. 
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences. 
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic. 
Loan number with united wholesale mortgage XXXX ( account was just refinanced ) Property address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX   report number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello and thank you for taking the time out to read my complaint today! I have inaccurate information reporting on my Transunion and XXXX. There are two accounts that are from the company of XXXX XXXX XXXX that are reporting derogatory. Due to some hardship, I fell behind on payments and the account ending up closing with a balance. The balance was {$160.00} total and I paid this balance in full on, XX/XX/2020.

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 2018-06-28
Company: National Management Recovery Corp. (NMRC)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A company named NMRC has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that XXXX  does not do business with XXXX and they only collect payments at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was overpaid by the Department of Veterans Affairs in XXXX of XX/XX/XXXXin the amount of {$690.00}. Over 42 months later, in XX/XX/XXXX, I was notified of negative information on my credit report. I called the VA to find out what happened and paid back the overpayment immediately. They then refused to remove the information from my credit report. They claimed they sent letters to me in the mail, but it was to an address I hadn't lived at in well over three years. That was the only effort they made to contact me, despite having my phone number, email address, and updated mailing address. This was not a consumer credit transaction because it was an overpayment, not a loan, and I never agreed to borrow that money. It should never have been reported to the credit bureaus. I contacted them one last time to request removal by email on XX/XX/XXXX and have not received any reply. 

I have disputed this item with Transunion and XXXX ( it does not show up on XXXX ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the grounds that I had no knowledge of the account, it had been settled, and it was not a collection or charge-off account. All disputes resulted in the credit bureaus simply verifying that the VA did indeed submit the information to them and they did nothing else. The negative item remains on both reports.

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 2020-09-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
JCPENNEY CREDIT CARD ISSUED BY SYNCHRONY BANK. 

I purchased curtain panels from J C Penney using their credit card issued by Synchrony Bank on XX/XX/20 for {$170.00} ; XX/XX/20 for {$110.00} ; XX/XX/20 for {$760.00} ; XX/XX/20 for {$350.00} ; and XX/XX/20 for {$230.00}. For a total amount of {$1600.00} XXXX see attached statement ). 

Due to inferior quality and inaccurate website descriptions concerning size, I returned ALL curtain panels via XXXX in seven ( 7 ) separate shipments for a total out-of-pocket expense of {$250.00} ( see attached receipts ). 

I only received a credit of {$1300.00} XXXX see attached statement ). Even though I filed two ( 2 ) purchase disputes with Synchrony Bank on XX/XX/20 and XX/XX/20, they continued to charge late fees and interest for a total of {$83.00} XXXX see attached statement ). 

I finally had to pay the disputed amount of {$380.00} XXXX see attached statement XXXX to save my credit score, which had dropped 67 points, as a result of Synchrony Bank 's ineptitude, not to mention illegal behavior!

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 monetary relief
Consumer complaint received 2018-07-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Bureau of collections account no.XXXX appeared for the 1st time on my XXXX credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.XXXX today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.XXXX via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt  and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY XXXX REPORT IN LATE XX/XX/2018 AND WHY DIDN'T XXXX DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My own son did a lot of Dammage by knowing my name address age and soc.Securiry # XXXX. I can't trust the WEB. site However I have all this infomation now for you to save me. 


Original creditor : CAPITAL ONE BANK USA N A Overview You've paid off 0 % of your collection amount. 
Balance {$470.00} Highest Balance {$470.00} Opened XX/XX/2015 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name CAPITAL ONE BANK USA N A See an error? 
You could dispute an error with XXXX. 

GO TO XXXX  Creditor Information XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed hard inquiries on my credit file that were not made by me. After 30 days Equifax sends me results back starting that these where actual and would remain on my report for 2 years. I then called Equifax to have these removed the rep I spoke with informed me that they dont actually look into Hard inquiries and have no way of actually deleting them. And I would need to call the company that did pull my report. However I feel this is the responsibility of the CB to do so and they lied and said they investigated it but didnt. 
I need these inquiries removed from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of online fraud ( XXXX XXXX ) with my Wells Fargo debit card. When I called customer service first I was told that nothing could be done because the charges were authorized through the card. I called Wells Fargo fraud number who took down my fraud claim, it was multiples transactions through XXXXXXXX XXXX resulting an amount of {$800.00}. Never credited to my account and was told to wait 0 days then called them three times for follow up on my claims and was told the same thing will not get refund caused they consider it authorized since I used XXXXXXXX XXXX before.

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 2021-10-31
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I received a credit card from JP Morgan Chase which I did not apply for. I immediately contacted Chase and cancelled the credit card. I was advised the application was applied for on XX/XX/XXXX. I was instructed by their security team to place a fraud alert/freeze on my credit with all three credit Bureaus which I have done, as well as, contacted my bank and major credit card companies. I also reported it to the Sheriffs Department in my county. I belong to a credit monitoring company which has initiated an investigation. I am having the credit bureaus remove the fraudulent credit card request from my credit report. To date, no fraud has been revealed. After I reviewed my credit report I noticed that someone has applied for pandemic unemployment in another State other than the one I reside in. On XX/XX/XXXX, I contacted that State 's Office of Unemployment to verify that no one has received monies using my identity. I was informed the request was deemed as fraudulent and no monies were dispersed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions 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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX  XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX 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 2020-07-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My card was deactivated by the reliacard due to a mistake on their behalf. They wouldnt allow me to have my refund from a hotel business and thought that they were mistakingly giving me a refund when they were not mistaken. I havent been able to buy my XXXX   opera and wipes, food, or pay bills and I am currently XXXX and cant buy my XXXX medications nor put gas in my car to take my children and myself to the hospital appointment appointments. We are in a deep hardship and crisis due to ReliaCard errors. 
The only best way to avoid being declined in the future is to have my money transferred back to XXXX XXXX and not reliacard. I do not wish to do business with them any longer. I do not want to be their customer anymore. To do so would put my family in another potential jeopardy. 
I want my money transferred back to my XXXX XXXX where my needs and my families can be met. 
Please email at XXXX I can reply very fast this way. 
Thank you for your time.

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 2021-04-10
Company: EQUIFAX, INC.
State: PA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: VA
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 have called XXXX, Equifax and XXXX  credit bureau and ask them to remove these addresses that is incorrect. But they said they could not remove them. So this is why I am contacting u all. Please have the three addresses deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Reliant Financial Corporation
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had financed a used Vehicle for {$3300.00} from a local car lot that financed me through Reliant Financial. 4-5 months later I was injured at work and medically XXXX from my job for being permanently injured in XX/XX/XXXX.I called XXXX XXXX and explained I was permanently XXXX and dealing with my Health issues and wanted to try and work something out because I had no income coming in due to my health to pay the rest of the amount owed which was roughly {$2300.00}. I spoke with a gentlemen that handled my account and he explained to me that due to my hardship if I voluntarily turned my car in that it would not go on my credit and would not negatively affect me. I voluntarily took them the car at the agreed location and that was it. Years later I look at my XXXX XXXX Credit report and it states my car was reposed, the account was closed and charged off with the highest balance being {$3300.00} but owed like {$5000.00}. I disputed this account through XXXX XXXX I believe 5 times and every time my balance went up each time I disputed Reliant Financial which is now at {$6200.00}. I called XXXX XXXX about the balance kept going up on a closed/charged off account every time I disputed it. The guy I spoke with at XXXX XXXX was very rude and said I was wasting his time and that Reliant Financial or any creditor could put whatever amount they wanted and that I couldn't do anything about it but keep disputing it even though I explained to him to look back at this account and he could see all the inconsistencies but wouldn't. I called Reliant every time I disputed this account and they would just hang up on me or scream or use unnecessary language. I even asked them to take me to Court so they would have to provide all the documents as to how they just keep magically changing my balance on a closed account no response. I looked at my XXXX Credit Report which states I paid off 100 % of the original amount with a {$0.00} Highest balance but then the current Balance from XXXX XXXX from my last Dispute for {$6200.00}. So very unprofessional and ruining my credit being a Permanently XXXX individual because as the the XXXX XXXX Rep said " because they can ''.

Company response to consumer: Closed with explanation