BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report I sent debt validation letter to this company ( Hunter Warfield ) they in turned sent me a bill for charges that should not be included in any statement balances claimed to be owed. The apartment received First and last month and all bills were paid until move out date. Notice was given and keys returned to XXXX upon move out. When asked for more details on how these charges were incurred I received no response. Ive sent out a second set of letter and have tried to have this deleted from my credit file and the company keeps saying verified but that is not true.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: VIRTUOSO SOURCING GROUP, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just came back from XXXX in the middle of XX/XX/XXXX. While gone I changed my service provide to a new provider. XXXX was supposed to provide me with a final bill so that I could pass on to my new service provider and get credit for the devices that I own. XXXX  final bill was not correct causing me to forfeit the credits that I would receive from my new service provider. I attempted to contact XXXX starting in mid XX/XX/XXXX on a weekly basis trying to arrange payment arrangements or any other kind of arrangement to satisfy my arrangement to XXXX. XXXX refused to correct my final bill that would allow me to receive the credit owed to me by my new service provider. I attempted to resolve the debt with XXXX. I am unable to pay {$2300.00} all at once. Today I was told that I was referred to a collection agency and XXXX would not accept any kind of payment but the full payment. They also told me that in one week from today I will be referred to a collection agency. I have a security clearance and I cant do that. I also dont have {$2300.00} to give to them. I am prepared to send back the equipment they are charging me for or any other method of trying to resolve this issue. I was referred to a collection agency, XXXX XXXX, and they did not offer any resolution. I have tried for the past year to work with XXXX to get my final bill corrected and they tell me because I didn't notify them that I was changing wireless network providers that they can not help me at all. I actually did call and tell XXXX that I was cancelling the service with them and they offered no help in transition. A year later and now they have a new collection agency, Virtuoso Group, hired to attempt collecting this unfair debt caused by XXXX 's clerical error. I still do not have the money promised to me by my new service provider, XXXX, because of XXXX 's clerical error on my final bill. The clerical error is that the device ( phone ) serial numbers were not correctly matched to my phone numbers. For example : my sons device ( phone ) was listed incorrectly as my phone number and vice-versa.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Approximately in XX/XX/XXXX, I received a subpoena by a law enforcement officer of the state of IL for a debt I was not aware of nor is it mine. These are fraudulent claims or identity theft. Upon checking my credit report as recommended by my friend and discussing the matter with him he suggested I take action to call CaptialOne to inform them of this fraud. They gave me a telephone number to their attorney instead of their fraud department, this was today XX/XX/XXXX. However, I never personally applied for credit with CapitalOne and was successful in obtaining a line of credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently received a notification from the credit bureau of a collections account from XXXX XXXX XXXX reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate. I fear for my safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I was using a cash app to purchase stocks and boosted my account up to {$500.00}. I sold some stocks that I no longer wanted and suddenly my account was closed. My money is still on their app and they closed my account with no warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I tried to resolve this with Experian but the company has failed to investigate this account that is still inaccurate, incomplete and unverifiable. The Department of Veterans Affairs account On XX/XX/XXXX I sent a letter to Experian, certified mail for a dispute to fix this account because it was reporting differently than the other reporting agencies. Experian received it XX/XX/XXXX XXXX. About 30 days later, Experian sent me an alert through Experian.com stating the account as updated. 

On XX/XX/XXXX I sent the Second Letter stating that I wanted to know what was there method of verification and then proceeded to point out the inaccuracies between the three reporting agencies, on XX/XX/XXXX Experian Received this Letter at XXXX. 

This time Experian Just marks my report up with a bunch of false Information First mistake they made was putting up a random balance of {$2700.00}, Then they proceeded to mark my account all the way up to XX/XX/XXXX as a charge off, when the original account was closed XX/XX/XXXX with a balance of {$1900.00} XXXX instantly went into a state of shock because I don't know how they came to that erroneous conclusion. 

I sent a third letter because by this time, I am frustrated and my anxiety is bothering me. I still get no answer from Experian as to how they came up with the balance. 

I sent in a letter to the Va where they sent me a letter stating that I should correct it with the Credit reporting agencies with the closing Date of XX/XX/XXXX with balance of {$1900.00}

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 non-monetary relief
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: GA
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:
Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I received a Notice of Acceleration of Maturity that was delivered by certified mail from Ocwen Loan Servicing ; LLC stating that under the Deed of Trust my home is scheduled for foreclosure on XX/XX/XXXX. Ocwen was not the loan originator. XXXX was the first lender, then sold to XXXX XXXX, GMAC, Ocwen. I believe the loan was sold at least four times and the amount owed kept increasing. After calling the loan servicing agency ( Ocwen Loan Servicing, LLC ) I still could not get a clear understanding to why the amount owed increased shy of {$70000.00} on a less than a {$47000.00} loan that originated in XXXX. I never received a copy of the loan documents ; communication with Ocwen Loan Servicing was difficult. 1. Never receive copys of paperwork 2. Everything was verbal up until now 3. Mortgage increasing without explanation 4. Refused copies of the loan told I would have to pay a fee 5. I stop paying in XX/XX/XXXX because I needed correct information. Never had a problem until Ocwen took over the loan 6.I am current XXXX  XXXX. I asked about Servicemembers Civil Relief Act ( SCRA ) to no avail 7. Language barriers and misinformation given 8. I am alleging redlining even when I tried to address my default

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear TransUnion : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The compromised accounts are : Account Account Number Provide Physical Verification Chapter XXXX  Bankruptcy XXXX Fraud Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : The fraudulent items are circled on my copy of the Identity Theft Report. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Police Report

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 2018-04-19
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2017-11-23
Company: Total Card, 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: Account information incorrect

Complaint:
Here I am again with this same company! Who now after my most recent complaint decides to finally mark the account as closed on XX/XX/2017 which again is INCORRECT reporting. Second they decide to mark my account as 30 days past-due on the same day! The payments are due every XXXX of the month Were not at the XX/XX/XXXX yet which makes it impossible for me to be 30 days past-due. This company really needs to stop illegally reporting this account on my credit. I will move forward with other action if they dont be fair and REPORT CORRECTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transunion is reporting that I have an outstanding balance on a XXXX Account in the amount of {$6800.00}. I HAD ONLY ONE XXXX   CREDIT CARD ACCOUNT which has been closed for months. Transunion is claiming that I have MORE than one XXXX Account ( which I do not and never have ). I contacted XXXX as well, and this matter is still outstanding. I am left dumb-founded with only one thought that this could be a fradulent account. 

For the record, Neither XXXX nor XXXX is showing MORE than ONE XXXX Account with any balance at all. 

Please HELP.

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 2021-09-13
Company: Commonwealth Health Corporation
State: KY
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called to file the dispute on XX/XX/XXXX and tried to explain to them that I was a victim of inquiry issue. I was told that I was not a victim and that they can not due anything because they do not do anything about it. They told me to wait till they get off my credit. 
inquiry that I was referring to was : XX/XX/XXXX and XX/XX/XXXX - US SM BUS Admin XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/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 2020-05-08
Company: EQUIFAX, INC.
State: CA
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 do not recognize any one of these 8 inquiries and did not authorize anyone to run my credit. 

Equifax Mtg Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase Bank did not want to remove fraudulent charges on my account XXXX as follows : Charge on XX/XX/2019 for {$120.00} Charge on XX/XX/2019 for {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions 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:
I have been a victim of identity theft

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 2019-09-19
Company: Prince Parker & Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My roommate received a call to her cellphone from a gentleman named only Mr. XXXX, his phone number is XXXX extension XXXX in regards a supposedly owed amount of {$1800.00} to XXXX XXXX XXXX. Mr. XXXX proceeded to provide sensitive information in regards such debt. I used to be a collections agent and under NO circumstances details were to be disclosed, reason why? Anyone can provide with incorrect details in order to get information not related to them, which happened in this situation. The collector 's job should have been to provide his name and phone number and ask for me to give him a call, not to spill everything to someone who wasn't me. I never got any calls in regards this nor letters trying to " collect a debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Information belongs to someone else

Complaint:
This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A,  state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

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 2020-06-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a card info in my credit report JPMCB CARD, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred money on western union on XX/XX/2019 two times by accident. 

I called and had them cancel both transactions. I got a refund for one of them that day. 

I have called over 10 times about the other one. They were suppose to escalate I still never heard anything. 

I confirmed with my 3 times I only got one refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
There was a payment made to Synchrony Walmart of {$180.00} on XX/XX/2019. The payment was again was returned by my Bank to Synchrony Walmart even though there was sufficient funds in my account to cover the payment. Per my bank on XX/XX/19 that payment was returned erroneously. I have received the letter from Walmart Credit Synchrony that my account was closed due to returned payment. Once again this wasn't my fault at all that this was done. Once again my bank has returned a payment erroneously to Synchrony which and when they should have paid it. Please re-open my account as it should not be closed due to bank error. I have attached the letter from XXXX XXXX taking responsibilty

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