BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   and 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 2020-07-04
Company: Kentucky Higher Education Assistance Authority
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/XXXX I noticed on my credit report I have student loans from Kentucky Higher Ed Student Loan Corp on my credit report reflecting in a negative way. XXXX was my original financial lender ( student loan ) XXXX was involved in a lawsuit back in XXXX XXXX, XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report.The loan was sold and transferred to Kentucky Higher Ed Student Loan Corp. This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I asked that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. There are four different accounts listed on my credit report from Kentucky Higher Ed Student Loan Corp which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. Please help. I look forward to hearing from you along with having this matter resolved. 

Thank you for your service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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: Problem with personal statement of dispute

Complaint:
Over 1 year ago, there was fraud/identity theft on my capital one credit card. After this, the company would not let me access my card or any account information without receiving a copy of my drivers license, Social Security card, and birth certificate. The company would email me a link to upload these documents. Once uploaded, they stated that they would contact me and get everything fixed. I uploaded the documents. The company never did contact me after 60 days. I contacted them, and they said that they never received the documents. I had to re-upload the documents and again wait for their response. They again did not call or contact me, and again I contacted them which led to them saying that they did not receive all of the documents and I must re-upload everything. This same events continued into the beginning of 2020 when I finally had a representative that tried to figure it all out. At the end of 2020, capital one charged me an annual fee on this card, but did not email any statement regarding this fee or allow me access to the account so that I can check the balance. I was only receiving electronic statements, and received no statement prior to being charged the fee and no notification that the fee was on the card. I finally received a notification/email after the fee was over 30 days due and was totally surprised. I immediately paid the fee. Capital one also placed a delinquency on my credit report. Prior to this and afterward, I have had excellent credit and have never been late. After trying multiple times trying to contact capital one, since you must remain on hold for over an hour via phone, I was able to speak with a representative who told me that she could do nothing and I must write a letter to capital one. After writing the letter, and calling them again, they stated that they did not receive any letter from me. I disputed the delinquency through XXXX, and the 30 day delinquency was actually removed temporarily for about 60 days. After this, the 30 day delinquency returned back to my credit report to my surprise. After speaking with XXXX, they said that they could not explain this and that it was reported by capital one. They tried to dispute this delinquency again, but it remains on the report and capital one states that it is a valid delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried closing my account on XX/XX/21 and they told me they could NOT verify it was me all because I changed my phone number. The account email is XXXX my social ends in XXXX but obviously I know the whole thing and told the guy at XXXX XXXX and the number I changed it to was XXXX from XXXX which was the old number. Address is XXXX XXXX XXXX XXXX XXXX ma XXXX and there was an old addy of XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX. Please close this at once, this is ridiculous. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am waiting for a refund from XXXX XXXX XXXX {$440.00} and {$340.00} XXXX sent to my canceled Chase XXXX visa card ending in XXXX. 

Nobody I contact on Chase support via phone is able to locate this credit card, likely because the card was closed in 2019. 

Chase is unable to locate my account and unable to verify to XXXX that they did not receive a refund. Chase has told me numerous times that they would look into this for me but I have never received word back from Chase. Chase phone reps have stated that they can not and will not issue any communication to XXXX regarding the status of any rejected refunds issued in my name, nor will Chase be willing, according to the many phone reps I have had to speak with, to do a three way call with myself, Chase, and XXXX. I expected much better from the world 's largest retail bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to be guided on a personal loan I wanted to request and XXXX XXXX let me know the documents I had to provide. On Monday, XX/XX/2018 I sent the application online and then I sent the other documents by email as required by the instructions. The same day, XXXX XXXX XXXX XXXX XXXX called me to let me know that he was going to send me the application by email because the system had not registered it when I filled it out online. Immediately I proceeded to fill it out and sent it to XXXX XXXX 's email so he could process it. Today, XX/XX/XXXX, XXXX XXXX called me to inform me that he needed my husband 's information so he could process the request. I informed him that the loan was going to be requested only by me since my husband has the credit very affected and I did not want that to affect the low interest rate that they could offer me if I did it by myself. I mentioned that I had previously obtained loans without including my husband, but XXXX XXXX replied that including the spouse was a rule of the bank. I told him that I didnt know that it was mandatory to request with the husband since it wasnt explained in the web page instructions, not in the application and not when I called to get the orientation. I told him that if I had seen that rule before I would not have applied for the loan because I wanted to do it by myself. I asked him if he had obtained my credit report and he said yes, that he had it with him and that the score had gone very well. I understand that XXXX XXXX had to wait until he had the main documents and then proceed to request my credit report because in the application I let him know that my marital status is Married. This action resulted in my credit score having been lowered because I didnt accept that my husband entered the loan without having knowledge that it was a requirement of the bank. It is fair that this inquiry be removed from my credit history because I have no knowledge of this bank rule of having to include the spouse in the personal loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
discover bank closed my account and we agreed through a verbal communication that I would pay {$62.00} a month. The date for this was never confirmed. The person simply stated the first one would be withdrawn from my account on the XXXX of XX/XX/2018. Discover gave you an online website. On this online website it does not list any arrangement or dates and also does not show a payment pending. On XX/XX/XXXX I went to the online site and made a payment of {$50.00} dollars because after waiting over a week for something to post nothing had posted to my bank account. I also called Discover and told them I did not see anything posted and the payment where not showing online. they informed me they don't show this information on line and they don't send out letters but said the agreed about was {$62.00} and it was coming out on the XXXX of each month. I informed discover on XX/XX/XXXX that I was not comfortable having an agreement where I had no written information on what the agreement was and one where payments would not show up any where and I would receive no statement about the debt or amount owed. Discover stated they would try to mail out a letter on the XX/XX/XXXX and that the payment of {$50.00} would be reversed since they already processed a payment of {$62.00}. Neither of these happened. The payment of {$50.00} went through and on XX/XX/XXXX XXXX received an email that the payment of {$62.00} did not go through. At this point I was confused how almost a month later Discover is just now processing the payment. I went onto their website and scheduled a call for Friday XX/XX/XXXX at XXXX EST. did not receive a call till Saturday XX/XX/XXXX at XXXX in the morning. Nothing was resolved. Stated again I wanted a letter talking about the arrangement was told one would be emailed to me that day. Nothing has been received. Scheduled another call for Monday XX/XX/XXXX at XXXX. Received a call on XX/XX/XXXX at XXXX. Spent majority of the call on hold and explaining to them that after getting my scheduled call 30 minutes later I did not have a lot of time to talk. Although they seemed to just want to update information. Asked again for a letter to be sent out on the arrangement this time via mail. Was told I already requested a letter. Discover bank is making it impossible to work with them and refusing to send out information related to the terms of a payment arrangement of the debt. they give you an online system but nothing can be honored on that system. At this point Discover can pull whatever amount they want at any time and I have nothing to back this. They are not answering when calls are scheduling and when you do speak to them on the phone they lie to get you off the phone and do not do what they stated they will. this hostile attitude is making it difficult for me to trust the issue will not become a larger one. due to multiple lies already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have a folowing situation - I just legally Immigrated to USA and I don't have any credit history, good or bad. 

I went to XXXX XXXX XXXXXXXX in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of XXXX XXXX XXXX in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 
I notice that I have 5 hard inquiry from XXXX XXXX XXXX ... But I requested only 1 credit card and I got 5 hard inquiry.

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past.

But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card  anyways?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My account was closed the day I made a payment, it was a payment to pay the past due after a rep said that was all I had to pay, so I called and a manager reopened the account. At that time a new card was reissued and I was told that I needed to call back and pay the balance after the new card was received. well the new card was never received, I've called several times to get the new card or pay the balance but was told by several reps that I could not pay until the new card was received and that was since XXXX. Yesterday XXXX I found out that the account was closed again so now I'm confused. I was told it was reclosed due to non payment, but Citi AAdvantage reps would not take the payment until I had the new card. My account is aging because the payment and new card situation. I am being unfairly treated. I asked the supervisor to listen to the recorded conversation where I was denied the payment being taken until the new card was given. My credit is being hurt due to the aging

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but XXXX   XXXX XXXX has verified the account has responded to the dispute as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I owe nothing to this company and no debt is valid. Any debt they allege is fraudulent and without merit. They are unable to produce any signed document evidencing a valid debt on my part and i have advised them of this fact is because of fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29
Company: Credit Karma, LLC
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 ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is  showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I have 2 student loan accounts and its showing up as 4 student loan account on my credit report. I have tried to dispute this numerous times but they havent fixed the problem as yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Credit Plus Inc
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:
On XX/XX/20 a company with the name of CREDIT PLUS has made a hard inquiry on my credit report/file. 

I do not know who this company is nor have I authorized them particularly to make an inquiry nor have I applied for any credit regarding this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Yes I have 7 emergency room visits because I did not no that I had XXXX  XXXX  XXXX. All 7 was picked up by ars account resolution company. This is destroying my credit. I had insurance for all 7 of these bills. Please have the company bill my insurance sooner care. XXXX  bless and thank you XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a checking account from Chase bank in XX/XX/XXXX over the phone. They said they would mail me the remaining fund through a check. The check never arrived. I tried to resolve this over the phone, and visit the local bank branches many times. Now it's XX/XX/XXXX and I still haven't get my remaining fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I contacted the customer service at the phone number indicated on my bill ( XXXX ), to dispute a late charge that was on my most resent billing statement. The agent, named XXXX? Indicated that there was nothing she could help me with. I asked for the supervisor and was transferred to XXXX ( Agent ID XXXX ). The supervisor also told me that there was nothing that could be done. When I asked to escalate, that supervisor began to laugh at me and I also heard laughter coming from the co-workers in the background. Hearing all the laughter over the phone I stated that I felt this was an unprofessional response and asked again to have my issue escalated. I was told that there was no one higher that could assist me. At this point the supervisor disconnected my call. 

Date was XX/XX/2018 at approximately XXXX XXXX XXXX XXXX was {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: NC
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've sent certified letters to XXXX  XXXX XXXX , XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to Equifax and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX  XXXX XXXX sent a collection letter stating that they have received an EOSCAR dispute online from me which is not true. They are basically admitting to using EOSCAR. Any automated response or EOSCAR verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents

Company response to consumer: Closed with explanation