BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: Summit Account & Computer Service, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the company is charging me {$97.00} in collection fee plus my original fee from the hospital. I received a call from the collections company on XX/XX/2019. I asked about the XXXX fee and told them it was XXXX. He said it was part of their fees and didn't like my language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/XXXX, i sent a letter to Equifax for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account with PNC bank on XX/XX/XXXX and funded it with XXXX dollars. I never received a debit card. 

I called on XX/XX/XXXX and was told the only way to access my account was to have another debit card sent to me for a charge of {$7.00}, even though I never got a card. 

I then tired to close my account and was told it would cost {$25.00}. 

This is insane. They want me to pay them to access my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XXXX or XX/XX/XXXX ; and XX/XX/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 2018-06-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
Onemain account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for Onemain to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for Onemain to state this debt was created and definitely no way it can validate it is owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Select Portfolio Servicing has no Explanation as to How Or Why the {$1400.00} is reflected on credit report and Not on my account with them! 

Hi, So I am reporting of what I believe to be Unfair Lending Practices. Long story short, I am getting out of long nasty marriage, attempting to fix my credit after years of me trusting spouse on finances. Paid mortgage on time last 14 months, until spouse stopped paying support money in XXXX, SELECT PORTFOLIO SERVICING said they will modify my loan, I advised them I might refinance to do some repairs ... ..3 days later my credit took a 71 point Hit due to SELECT PORTFOLIO SERVICING raised my Balance amount {$1400.00} which took my mortgage balance from {$86000.00} to {$87.00}, XXXX in XXXX!!! This I believe was done to PREVENT ME FROM REFINANCING, instead I would be Forced to modify with SELECT PORTFOLIO SERVICING! My statements and all my account info at SELECT PORTFOLIO SERVICING, shows the original balance of {$86000.00}!! When I spoke to them they couldn't answer for the added, {$1400.00} reported to my credit report! 
I am requesting that this {$1400.00} be removed from my mortgage balance with the credit bureaus ASAP,, Can you please help or tell me what to do? I am working so hard to repair my credit and this is devastating!! 

Thanks so much for any assistance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire SOME FORM OF ACCOUNT I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX after my mother died I called Capital one and canceled my mothers card. I was contacted by my father who is XXXX and was told that he can't reorder his drugs or buy food since his card was also canceled I spoke with multiple reps and supervisors and they refused to reinstate or send a card without a 10 day investigation. They even claim it was canceled by the automated system which is not true. I called and they didn't ask for a death certificate but only for her card number which is different. She was not the main holder and almost everyone agreed his card should not have been canceled. I spoke with supervisor XXXX and XXXX agent # XXXX. I have e-mailed corporate and everyone refuses to help. My dad is very frail after my Mom 's recent death and twice they called him on the phone and got authorization for me to speak but didn't even note it. 

I have spent hours on the phone and no one will help. Even contacting corporate was no help. They say they have no other process to help. My father nor I needed this type of uncaring company response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my 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 2020-07-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been asking for like 10 years, yes years, for the balance my escrow had in it when it was transferred from Washington Mutual Bank to Chase Bank. They have sent me everything but what I have asked for .... the ending figure that was to be transferred that Washington Mutual had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Experian has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX -Address XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXXAccount Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR= XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry 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 2018-10-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX at XXXX I received a call from Chase offering me interest rate info. I don't bank with Chase and I don't want them calling me offering me anything. It was a robo call so I hung up. The number they called from is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past few months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am very tired of all of this. I submitted over 30 days ago that these accounts are inaccurate and a violation. These accounts are defaming my character, harasssing me, violating my rights which all are a violation according to XXXX XXXX XXXX a.b.c.d.

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 2020-08-20
Company: Diversified Adjustment Service, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill for {$900.00} owed to XXXX XXXX XXXX. I paid this bill directly with XXXX on XX/XX/2020. 

On XX/XX/2020, Diversified Adjustment Service Collections reported that I owed them {$900.00} to all 3 major credit bureaus. They reported this incorrect information after the date that the bill had been paid directly with the original company. This is a violation of FCRA. This lowered my FICO score by 24 points. 

I called Diversified Adjustment Services to dispute this credit reporting. They refused to help at all. Refusing to update incorrect information on a credit file after being made aware of it is another violation of the FCRA. 

Diversified Adjustment Services sent an update to the credit bureaus on XX/XX/2020 stating that the account had been paid. They did not put a note that this account is in dispuite. This is another violation of the FCRA. This further lowered my FICO score by 14 points. 

This account should never have been reported to the credit bureaus in the first place and the information should have been immediately removed after they were made aware that the reported information was incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Credit Karma, LLC
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:
XXXX XXXX XXXXXXXX credit card account showing a balance of {$10000.00} on Credit Karma ( reported by XXXX  ) is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2020 XXXX XXXX was transferd out of my banking account. 
XX/XX/2020 Money orders and checks including wire transfers and banking accounts were made. 

XX/XX/2020 numerous police reports were made and my alarm was sounded, and police were sent out to house, no one was found however we did find footage on our security camera.. my debit card was stolen and immediately after large amounts of cash from our banking account came up missing. 

Six months later another inheritance was found and retrieved and chased with out my knowing by my father XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved from XXXX XXXX XXXX and I cancelled all my XXXX XXXX XXXX XXXX services and returned all the equipment. I made sure with the representative that everything was paid with a zero balance. When I applied for a loan in XXXX I was told XXXX XXXX/ERC had placed a derogatory collection amount n my credit report, I never received any calls, mailings etc and when I called the ERC representative she said that she could not send out any documentation to prove their claim, that it was all only her screen. When I called spectrum they dais they can not send out any information because it was being handled by the collection agency ERC. Bottom line I paid everything there was a zero balance and they are giving me the run around with ZERO documentation that I owe them anything. 

I want this collection account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been trying to get some things off my credit report with Experian, XXXX and XXXX that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.

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 2020-08-20
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have attached a response letter to further investigate the response letter from Hunts & Henriques on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Bread Financial Holdings, Inc.
State: MI
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:
For some reason an account I had with ZALES was closed and my score dropped 49 points. Makes no sense XX/XX/1949 pts to XXXX We found 3 changes to your XXXX  credit report. 
Closed Accounts COMENITYCAPITALBANK/ZALE + Account Closed On-Time Payments COMENITYCAPITALBANK/ZALE + 2 Payments Made on Time Updated Account Information COMENITYCAPITALBANK/ZALE + Remark Added to Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I am a customer of HSBCnet and I have a business account, in order to log in to my account I must use a security device that generates pass code, on XX/XX/XXXX my security device went dead, I reported this to HSBC and they promised to ship me a new device. It has been 2 weeks since I requested this device and my business operations completely stopped, I can't pay for merchandise, I can't do anything. I have been on the phone with 3 different CS and all of them told me that my devise should arrive soon but nobody could provide any tracking number. 
I am still locked out of my funds, I have losses and I have to pay penalties for not making timely payments and wires and yet nobody cares about it at HSBC, it is a SHAME!!!

Company response to consumer: Closed with explanation