BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: Walwick, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an inaccurate medical bill ( the medical code was wrong and more expensive, wanted it corrected before paying ) and the billing department has not returned calls for months, I havent received any bill nor an updated bill in close to a year ( last statement was from XX/XX/20 and still incorrect and still not returning my phone calls ). They now are submitting that bill to collections. This is fraudulent that they are trying to bill and collect on a medical service I did not receive and not even returning my calls to work with me on correcting the bill so they can collect on it.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: LA
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:
Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.

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 2021-03-09
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: Information belongs to someone else

Complaint:
My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a XXXX XXXX account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from XXXX XXXX. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and XXXX  XXXX directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from XXXX XXXX XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by XXXX XXXX 's refusal to release me from the fraudulent debt.

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 2023-12-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX app. I paid off my last XXXX balance on or around the XXXX of XXXX. On or about the XXXX of XXXX I am notified that a XXXX account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to XXXX if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: OH
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was leaked in the equifax data breach. I need all negative information deleted from my equifax credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: OH
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had 2 legal settlement checks made out to me by a previous employer totaling over $ XXXX. 
My funds have been held by Chase for 1 month. 
I have contacted the loss prevention department everyday for 1 month and have complied with every single one of their unreasonable requirements and demands, including providing 12-14 phone numbers so Chase could verify the funds are valid.

They are unwilling to verify the funds directly with my lawyer, the opposing lawyer or directly with the maker of the check.

I have even offered to provide documents ( apart from the checks themselves ) proving the funds are valid. Such as, previous paystubs, bank statements, and even W-2s.

Chase has confirmed the funds have cleared so the maker is unable to stop/cancel the checks and reissue.

The funds have been cleared and Chase is refusing to give me access to the money Im owed.

I believe Im being discriminated against and if this is not resolved in the next 24-48 hours I will be taking legal action Again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To whom it may concern, Keybank consistently miss-applied my payments during 2021 resulting in negative credit reporting. The company does not allow automatic payments. Monthly payments were approximately {$270.00}. In lieu of automatic payments I paid Keybank {$2000.00} in XXXX to cover payments through XXXX, and another {$1000.00} in XXXX to cover payments through XXXX. Unfortunately, Keybank mis-applied the payments, then reported a 30-day late in XXXX and a 60-day late in XXXX. This is resulting in negative credit for me and an inability to refinance my mortgage. 

Will you please help me however possible? The goal is to remove the 60-day late. 

Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: MARINER FINANCE, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a car title loan with mariner finance for several years. I have noticed that for a least the last 10 payments that I have made to this company doesn't reflect in my payment history. I am absolutely sure that there are some bad apples running this company. I haven't been the best of paying my bill on some occasion because of sickness but when i have paid it doesn't show on my account. Iam at the point i am not going to make another payment until someone explains to me what is going on with my account. The vehicle in question is no longer running anyway an to have to make payments that are not trying to help me get through with this loan, someone needs to contact me an explain wats going on or else we will end up in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: NE
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've given info to XXXX more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. XXXX has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. Equifax with their data breach and XXXX for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
i HAVE A WALMART CREDIT CARD WHICH IS NOW BACK UP BY CAPITAL ONE. WALMAT ACQUIRED CAPITAL ONE. IT ; S SAD THAT I CALL CAPITAL ONE FOR VERY BASIC QUESTIONS. WHEN WILL A NEW CARD BE SENT THIS HAD BEEN GOING ON SINCE XX/XX/2019 AND STILL GOING ON. I HAVE FILED A COMPLAINT WITH WALMART. I CAN NOT SHOP IF I DO NOT HAVE A CARD! I CALLED AND SPOKE TO MANY PEOPLE. I SPOKE WITH A SUPERVISOR WHO WAS HORRIBLE. I ASKED ALL THE RIGHT QUESTIONS. I HAVE MY MAIL FORWARDED TO GO OT A P0 BOX SINCE XX/XX/2019. EVEN PRIOR TO CAPITAL ONE ACQUIRING THIS ACCOUNT. HOW HARD IS IT TO GET A CARD AND TO GO THROUGH SUCH POWER ABUSE BY THIS PERSON I SPOKE TO. I NEVER RECEIVED AN EMAIL THAT A CARD WILL BE SENT. SINCE XX/XX/XXXX THE CARD WAS RETURNED. THIS CUSTOMER SERVICE AGENT WOULD NOT MAIL ME A NEW ONE UNITL SHE REPORTED THE CARD AS STOLEN!!!!! THE CARD WAS RETURNED TO CAPITAL ONE. THE ANSWER IS THEY DO NOT FORWARD MAIL WHICH IS STATED ON THE ENVELOPE THAT THE AGENT DID NOT KNOW. I CAN NOT PLACE AN ORDER ON LINE DUE TO MY CARD NO LONGER WORKING! ITS NOT BECAUSE I OWE MONEY OR BAD CREDIT THIS IS THE SHEER INCOMPETENCE OF CAPITAL ONE AND THE SUPERVISOR WHO DID NOT SEND ME A NEW CARD OR HAVE THE KNOWLEDGE OR TRAINING TO ANSWER BASIC QUESTIONS! SHE SHOULD BE FIRED! HORRIBLE, IF SHE COULD NOT ANSWER THE QUESTIONS I ASKED TO GET ME HER SUPERVISOR. SHE WOULD NOT DO THAT AND STATED THERE IS NO ONE ABOVE HER! SURE! TO GO THROUGH ALL OF THIS. I WANT THE CARD MAILED DIRECTLY TO THE PO BOX I PROVIDED AND ALSO THE PO BOX SHOULD NOT BE REPORTED TO THE CREDIT BUREAU. IT IS A TEMPORARY PO BOX AT THE POST OFFICE DUE TO MY BUILDING BEING UNDER CONSTRUCTION AND FORWARDED, I WANT THAT REMOVED OF THE CREDIT BUREAU. XXXX XXXX XXXX. I AM FILINF AN OCC COMPLAINT. THIS IS BASIC ADMINISTRATIVE ISSUES THAT COULD BE RESOLVED. THAT PERSON WAS SUCH AN IDIOT TO REPORT A CARD STOLEN WHEN IT WAS RETURNED DUE TO NOT FORWARDING! I AM SO UPSET THAT I HAVE TO GO TO THESE LENGTHS. I FILED A CFPB AND A OCC COMPLAINT DUE TO THE SUPERVISOR NOT GETTING ME SOMEONE ELSE TO HELP ME! ALL OF THIS TIME AND AGGRAVATION FOR WHAT!!!!!! 

NOTE : I ALSO HAVE A CAPITAL ONE 360 ACCOUNT WHICH I WAS GIVEN WRONG INFORMATION FROM A REP AT STORE ON XXXX XXXX XXXX IN XXXX XXXX, FL. YOU CAN NOT DO A TRANSFER INTO ANOTHER PERON 'S ACCOUNT ( ach ) ONLY MY OWN. YOU HAVE TO USE A THIRD PARTY LIKE XXXX DEPENDING ON THE BANK. I NEVER RECEIVED A DEBIT CARD! ITS BEEN 3 MONTHS!!!!!!!!!!!! STILL NOT DEBIT CARD!!!!!!!!!!!!! A JOKE TO SAY THE LEAST!!!!! THIS IS WHY I DO NOT USE THE BANK ACCOUNT BECAUSE OF THE HORRIBLE PEOPLE THAT DO NOT KNOW THERE RIGHT FROM LEFT AT CAPITAL ONE! IT CLEARLY SPEAKS FOR ITSELF. SUCH NON SENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account " LVNV FUNDING LLC '' is fraudulent! I have NEVER had an account with XXXX XXXX who is the Original Creditor. I've completed a Police report and a FTC report ( which I've attached for record keeping purposes ). I intended to sue for the maximum amount that a Texas District  Court allows under " Civil liability for willful noncompliance '' if this isn't removed from my credit report immediately. I have evidence to proof my case in court without reasonable doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX I noticed that PayPal wrongfully restricted. 
I did not recieve any notification or mail, I just found out about it by chance. 

PayPal has not provided any help, or put any effort to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. 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 non-monetary relief
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: MI
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 disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX keeps calling myself and family stating they have a civil case locally and I need to call another number. I finally called the number because they were bothering relatives. They state they have a case from 2008, a Capitol One account which is in arrears. They state it is in active debt collection and even threatened to take my vehicle when I got nasty and said this is a scam and that that debt had been written off. This company is all over the internet doing this to countless people. They say they sent paperwork that they never sent. It's all a scam and they will sound very nasty and very knowledgeable about your life which would scare most people. By the way, I have a current Capitol One card so I must be in pretty good shape with the company now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Put several inquiries on my credit report that were fraudulent, I have spoken to them numerous times with no aviel. I put a fraud alert on my credit, but they still wo n't do anything.      XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE. 


Do not close my complaint and ask for proof of my identity because all the attached letters have my ID and Proof of Address in it. Thanks!

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 2022-01-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was stolen on XX/XX/2021. The person who stole my credit card made purchases at several stores including XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. This criminal spend approximately XXXX at these stores with most of the amount going to gift cards. I called one of the XXXX he purchased a gift card at and when they looked at the camera they said it was someone wearing a hoodie. I disputed the charges with Chase and they removed the purchases but recently they put the charges back on my credit card because they said these purchases are from stores I usually shop at. I would like to file a complaint because I am a victim of credit card fraud and Chase is not handling this situation responsibly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 was astonished when I looked at my XXXX, XXXX  and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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