BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit and Erase Bad Charges On My Credit. I Dont Have Any Recollection Of Who Gave Administered The Services. I Reviewed Our Records and Have Found Some Years Back That I Was Given A XXXX XXXX For A XXXX XXXX. You Say Youve Got A Original Record Of Me Doing Business With Them. I Dont Think That I Was Being Treated Fair Be Given Two Bills That Equal To About {$2900.00} According To My Credit Reports. 
For A XXXX  XXXX For A XXXX  XXXX. Based On Our Records, XXXX XXXX Does Not Have A Good Practices With Charging According To The Court Systems and The Daily Oklahoman. Also, According To Records, The Average Price For The Procedure Is $ XXXX {$120.00}. Out Patient Visits Vary $ XXXX {$2100.00} Based On The Procedure. I Have Not Had Any Significant Health Injuries. Im Asking You To Erase This Bill With XXXX XXXX Off Of My Credit. Ive Not Spent Time In The Hospital For Anything. Ive Had Not The Best Of Luck Financially. Im Wanting To Pay The Bill For Outpatients Services. I Am Able To Pay {$400.00}. In Full. I Look Forward To To a Good Business Relationship and Being Responsible For Any Debt If I May Owe You. Im Wanting To Settle My Bills. Thank You! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In XX/XX/2021 I was sent a check for merchandise i was supposed to buy for a job i didnt end up. The check ended up being fraudulent. I cashed the check and sent the money back BC I was being honest and wasn't going to keep the money since I wasn't taking the job. It went through my bank. I sent the money back to them and then the check was returned. The check was for XXXX. 
My bank was chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: EQUIFAX, INC.
State: PA
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 have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to XXXX & Equifax XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I had a lease vehicle through GM Financial that was rendered a total loss due to a car accident, in XX/XX/2018. In XX/XX/XXXX, my personal auto insurance remitted payment to GM Financial for approximately $ XXXX, leaving a balance of $ XXXX. Based upon my contract, and the information provided to me at time of lease, GM Financial purchased a gap insurance contract on behalf of themselves to cover any gap balance. After my personal insurance made payment, GM Financial assured me that there was nothing further owed on my end, and they would deal directly with their insurer for the balance. In XX/XX/2018, GM Financial reported me as XXXX days delinquent along with the balance with all XXXX credit reporting agencies. I called them and they ensured me that the reporting was a mistake, and an update would be submitted to the agencies to get it removed. Not only was the XX/XX/XXXX delinquency not removed, but GM placed a XXXX day delinquency on my report in XX/XX/XXXX. For the past week, I have called GM at least XXXX times. They promised to remove the delinquency marks, and promised to fax over a letter stating the account was up to date. Every time I called in, I am given the run around. I escalated my call to a Supervisor, but the Supervisor has not returned my calls. I escalated my call to the Total Loss Department Manager, and he has not returned my calls. Between the Supervisor and the Manager, I have left at least XXXX   messages with no success. My credit report is damaged due to GM Financial 's lack of sufficient controls to mitigate operational risks like this. GM Financial has violated my FCRA rights by reporting inaccurate information on my credit reports, and has admitted to their violations several times on our recorded calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
What happened to me was that last year I bought my girlfriend a purse at XXXX. I was unaware that while purchasing the purse, it was done with a XXXX card. For months after I made the purchase, I had no clue that XXXX had opened up that card and made the purchase with it. It wasnt until I started to search for a home did i start to keep up with my credit and see all the unpaid payments I didnt make to this card that I didnt know existed. Its absolutely destroyed my credit and I havent been able to change it even though Ive paid the balance.

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 2019-02-28
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called and wouldnt give the name of the company I owed as I knew it and wrote checks to, repeatedly. Refused to provide proof, other than phone calls, that they were authorized to collect the debt despite my asking for this over and over. Refused to talk with me after bankers hoursalways when I am working. Asked them to send correspondence to my work address, they refused. Refused to allow communication with them by email or faxthis is 2019 folks. Even the debt they are trying to collect was executed electronically. Refused to stop cutting me off in mid-sentence. Attempted to intimidate me by ignoring things I said when I talked and cut me off. Refused a call back from a supervisor. Their accounting of the amount owed is wrong even though I have bank records that show that Im right. Refuse to look at that accounting. A company based in XXXX GA keeps displaying a XXXX, IL area number because my cell phone has a XXXX number, leading them to give me incorrect times as tomwhen they weee open. Made light of my job in television as a news reporter who has done story after story about scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Rickart Collection Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my final bill with this utility company after the end of my lease. Months later I receive a bill in the amount of {$21.00}. Once I received the forwarded bill to my XXXX XXXX , I mailed it in and the check was returned " cashed '' by the same utility company ( XXXX ). I then received a letter from Rickart Collection Systems requesting payment. I have attached both the collection notice and the proof of the cashed check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: MA
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 am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, XXXX, and Experian, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies. 

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.

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 2020-11-03
Company: CITIBANK, N.A.
State: VA
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:
Citi denied credit to me on XX/XX/2020 with explanations that not evident on my XXXX  credit report which they sighted as reporting the information. I have tried to contact Citi and XXXX  with the phone numbers provided, but neither company makes contact available to consumers other than automated lines with choices that do not apply to my problem. What recourse do I have?

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 2018-12-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian : XX/XX/2018 XXXX to XXXX XXXX. Tried to place a report freeze on line and received message that I have to mail specific items. I then created an account and Logged in, then called three different customer service ( sic. ) numbers which clearly connected to the same malfunctioning automated attendant which interrupted instructions with, " Sorry, I didn't get that '' at least three times, then finally asked for my S.S. number and once my SS and zip. I entered that and immediately received, " sorry ; we can not process your request via the phone. go to experian.com '' for assistance. I then attempted to call their U.S headquarters in both CA and IL. to alert them their automated attendant was malfunctioning. CA phone simply rang busy. IL location requested S.S. number and Zip, then offered two option : Fraud assistance or order cr. report. Again informed me they could not : '' get that '' when I attempted to respond to the auto attendant and hung up. They clearly won't talk with consumers and should be put out of business since I never gave them permission to keep track of my financial history.

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 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.

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 2019-02-28
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I have a credit card with SYNCB/TJX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX XXXX, and SYNCB/TJX XXXX with no successful resolution. XXXX XXXX and XXXX  only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.

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 2019-02-28
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have a credit card with XXXX BANK/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, XXXX, and XXXX BANK/XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

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 2018-04-23
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
American Express fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to American Express. You are cows to be milked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that  I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Please resolve this issue as soon as possible, thank you. ''

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 2018-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXXXXXX ( XXXX ) is in violation of : Using any false, deceptive, or misleading representation or means in connection with the collection of any debt, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, including but not limited to : ( 1 ) falsely representing the character, amount, or legal status of a debt, or any services rendered or compensation which may be lawfully received by a debt collector for collection of a debt, in violation of Sections 807 ( 2 ) ( A ) and ( B ) of the FDCPA,15 U.S.C. I692e ( 2 ) ( A ) and ( B ). On XX/XX/XXXX, I received a Notice of Default - Right to Cure notice from XXXX in the amount of {$10000.00} for account # XXXX. On XX/XX/XXXX, I received a notice from XXXX stating that they would be force placing hazard insurance on my deceased parent 's home. Specifically they state, " Because hazard insurance is required on your property, we plan to buy insurance for your property. '' In addition, on XX/XX/XXXX they ordered ( order # XXXX ) and conducted a Broker Price Opinion ( BPO ) on my deceased parent 's home without conducting due diligence or authorization. I have repeatedly told XXXX the security interest they are allegedly servicing, and is legally described in the note and mortgage is not my deceased parent 's home. My deceased parent 's home, per tax records ( attached ) and Deed, is located at Rt. XXXX XXXX XXXX, XXXX, New York. The property 's legal description is codified in Deed XXXX XXXX, dated XXXX in the XXXX XXXX XXXX XXXX. XXXX is erroneously attempting to foreclose on this property. The property legally described in the note and mortgage is codified in Deed XXXX, dated XXXX and is associated with recorded mortgages : XXXX, XXXX and XXXX, all of which are recorded in the XXXX XXXX Land Records. See attached property map. XXXX refuses to acknowledge the truth and continues to pursue collection on the wrong property. They repeatedly state that they are servicing the account per the note and mortgage. They are not. I have provided proof that they are in fact incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60   days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been multiple attempts of someone trying to apply for credit in my name leaving behind inquiries reporting on Equifax and XXXX  and unverifiable accounts on my XXXX  report. I've sent in a few letters and have not been responded to regarding this matter.

Company response to consumer: Closed with explanation