BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: NY
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 been back and forth Equifax and XXXX on this XXXX XXXX timeshare that has been canceled for over a year now. Also XXXX has been reluctant in sending me a proper letter stating that i no longer own a timeshare with them and that we don't owe them {$27000.00}. 

we ( myself and my wife ) were both victims of this XXXX timeshare. we were told and promised things that wasn't accurate back in XXXX of 2019 and after a very long back and forth the timeshare was finally canceled. 

Its almost 5 years and we just want this to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As stated in the last complaint Capital One continues neglect me as a consumer. I have been battling with them since 2017 about my accounts and how I need them to update things, so I could have access to pay my bill. The employees refused to be sensitive to my pronouns and name change as result my account was closed after years of torture from this credit card company I'm still left with a punishment and a persistent reminder. I got a response my first complaint today, which just a apologize and a justification for what has happened to me over the last few years. On top of that XXXX from the excutive office called today and told me that I wouldn't have an issue with login any more. I said that's great but what about my account being closed she said she would look into it but it would be hard reverse. I have two accounts one I recently paid off and what no one told me is that account was technically closed too. I want my accounts back open, I deserve that. Before my mobile app stopped working I was paying my bills on to time. No one should have go through what this company continues to put me through. I don't know if it's because I'm XXXX or because they are XXXX and XXXX   but this continues even after an apology from them. I want my accounts reinstalled this is cruel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My debit card was compromised the week of XXXX. I made the decision to close my accounts. About XXXX I removed all my funds and closed my savings account. I requested no further transactions be allowed until the final fraudulent charge of {$5.00} was cleared. My account should have also been marked to not let any charges through if there were insufficient funds as this is ALWAYS the option I choose. 

A charge from my electric company was allowed to go through and the fees began. Including a fee for trying to transfer funds from my checking to my CLOSED savings. 

On XXXX I noticed the issue and called. All the fees were waived and I was going to pay the funds for the charge of {$84.00} the next day. But more fees were added that night. I went and paid the {$84.00} as agreed and was told my account would be closed. 

Now more fees have been added. I had one autopay from XXXX XXXX that I had not realized needed to be moved. But had the account been closed in late XXXX as requested it would n't be an issue. The balance is - {$88.00}. I have tried multiple times to resolve this issue over the phone. The last call with a supervisor was disconnected and I was not called back. I do not feel I should have to call again and explain again. I want my account closed. I feel that Compass has acted punitively for me trying to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Bureau Systems ( XXXX XXXX XXXX XXXX, KY XXXX ) has failed to validate the debt {$170.00} Date opened XX/XX/17 and Account number XXXX Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Credit bureau systems to have access to my medical records. Please delete this info from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable Mgmt Group is listed on my credit file and I do now owe for any type of medical debt. It's showing {$460.00} and I don't owe this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
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:
This account is reporting as an identity theft item. I never opened this account with XXXX XXXX. Please help me in getting this account removed from my credit file.

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 2018-01-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has acquired fraudulent accounts from XX/XX/XXXX-XX/XX/XXXX, and will not look into the validity of the accounts or stop collection efforts. I have previously retained a lawyer and gotten one case/account closed, and myself dismissed from financial obligation due to the account being fraudulent/identity theft. There are three accounts acquired by MCM with the following amount : XXXX XXXX- {$1900.00} XXXX- {$3300.00} XXXX XXXX {$1400.00} These accounts are the result of Identity theft and I would like them to close the accounts/dismiss collection efforts and stop contacting me for payment. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( TransUnion, XXXX and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.

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 2022-01-14
Company: JOHN GIBSON AUTO SALES, INC.
State: AR
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: Was not notified of investigation status or results

Complaint:
I SENT THE CREDIT BUREAUS AND XXXX XXXX MULTIPLE OF DISPUTES ASKING FOR VERIFICATION OF ALLEGED REPO THAT THEY ARE REPORTING ON MY XXXX ACCOUNT. 

SEEMS TO ME THAT THEY CANT VALIDATE THE DEBT, AND ALWAYS SENT ME BACK A FRIVOLOUS RESPONSE. SOMEONE IS LYING AND NOT DOING THERE JOB. 

AND I NEED NECASSARY ACTION TO BE TAKING IMMEDIATELY. 

I WILL NOT ACCEPT THE STALLS ANYMORE. 

PLEASE HAVE THEM TAKE ACTION ON MY RESPONSE. 

I WANT XXXX AND XXXX XXXX TO COMPLY TO ALL FCRA & FDCPA LAWS. 

SEE ATTACHMENTS BELOW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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: Old information reappears or never goes away

Complaint:
I noticed in my Experian credit report still showing XXXX XXXX XXXX credit card that should have not been there and I contacted XXXX XXXX XXXX as to why they are reporting this inaccurate information to experian and they dont know where they get that information from and it should not been in my report. This information has been reporting in my credit report for decades and should have been removed by 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 2022-01-14
Company: Genesis FS Card Services, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XXXX, I called to close the account and inquire about the balance regarding a dispute with XXXX for XXXX. I gave information only to be disconnected on. 

I do not want to conitnue business with this account. I would like to pay the XXXX and be done doing business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting AXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

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 2022-01-14
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received mail regarding two separate debts I owe to Phoenix Financial Services. I mailed a letter to the company requesting validation of the debts beginning in XX/XX/2021. I received a letter in the mail from the company after at least two letters they have received from me requesting debt validation. The letter contained vague information with only my name and the current creditor of the debts I supposedly owe, which was another debt collection company as well as the original creditor, a company I do not recognize. The packet of information did not include the items that I requested. Some of the information was incorrect, I did not recognize some dates of service listed or physician names, and I could not validate that I owe this debt to the company. After receiving this letter I sent another letter explaining I was not able to validate the debt and they did not send the information I requested. I then received a letter from the company that one of the two debts they claim I owe was removed. I sent another letter asking the company to either validate or remove the other debt as well. I then received a letter from Phoenix explaining that I have made no new requests and that the dispute will not be investigated. After receiving this letter I sent a final letter saying they have made a mistake and that I never received validation for this debt and again to validate or remove the second debt. I have not received a response from the company nor has the debt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Credit Corp Solutions Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/21 Credit Corp Solutions sent me a letter stating they were pursuing debt payment of {$130.00} for a XXXX account in the name of XXXX XXXX. the notice doesn't say when the debt was incurred. I called them to explain that isn't my name and that I have an active XXXX account of my own with my correct name. They sent me a " Response to dispute and verification notice '' and wanted me to have it signed by a notary public but the paperwork is still addressed to XXXX XXXX, which is not me, XXXX XXXX. Credit Corp Solutions also believed this was probably a fraudulent attempt to collect money. Credit Corp did state that this fraudulent XXXX account was using my social security number but had a bogus email account tied to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX/XXXX/XXXX I started the assumption process with JPMorgan Chase Bank due to the XXXX of my father. To date I have provided them with all of the documentation that has been requested. XXXX/XXXX/XXXX I received an approval letter from Chase for the loan. The conditions of the approval is that I provide updated bank statements and income which I did comply. On XXXX/XXXX/XXXX I received a letter from Chase stating that I had to move to the state that the home I was assuming and have gainful employment by XXXX/XXXX/XXXX. This had not been brought to my attention prior in the approval process. In XXXX XXXX they did request that I provide a letter for what my intentions were with the house that I am currently renting. I complied. An additional condition of the assumption was that I paid the house insurance one year in advance and provide them proof of payment. Which I did pay {$1100.00} and provided them with the receipt. I had talked to the loan assumption supervisor and asked them to make an exception regarding the employment condition since it would be impossible for me to obtain gainful employment within two weeks as they requested. He had indicated to me today XXXX/XXXX/XXXX that they will not make an exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX  ( XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX  ( XXXX ) 4. XXXX XXXX XXXX  ( XXXX ) 5. XXXX XXXX XXXX XXXX 6. 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 2019-01-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have used moneygram before. I was trying to send money online and the agent told me in a chat session that my account was frozen and I would have to go to a store to do the transfer. I ask why it was frozen and she said they would not tell me. In addition, she said once it was frozen I could neve send money online again. I think I deserve to know why they are penalizing me since I have a perfect credit score.  This just does not see like it should be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Lending Club Corp
State: AZ
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 company has been asked several times to provide signed loan documents or other proof of debt. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX  and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
jhpde is a debt buyer who purchased my XXXX account. The account was listed in a Ch7 in late XX/XX/2021 and the stay is still in place. Creditor 's agent acknowledges the BK. XXXX has direct or constructive notice of the BK and willfully reported a collection on my XXXX XXXX report causing a XXXX point drop in my score on XX/XX/2021. I am in the process of assuming a mortgage and will not be able to because of this. They have not responded to my attempts to contact 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 explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit profile seems to not exist even though I had an open XXXX Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the 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