BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
" XXXX XXXX XXXX XXXX XXXX XXXX '' were secretive in their attempt to collect a debt on XX/XX/2016, that I have no obligation to. I was recently looking on XXXX XXXX and ( at my utter shock ) found that I owed {$160.00} for a gym that has been closed for the past year. I remember vividly that I had asked an employee named : " XXXX XXXX '' to shut down my gym membership 2 years ago as I didn't need it anymore after my XXXX XXXX. Life is already tough as it is. I'm willing to take responsibility for mistakes that I've made, but this was not my mistake! Injustice, I tell you. Thank you so much for listening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute with SCA Collections in regards to a debt validation. They never sent a contract that I signed with them for the debt or itemization of the charges.

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 2018-06-20
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In reference to complaint number XXXX. Company lied in their response about not receiving my Permanent Change of Station ( PCS ) travel orders ; I sent a copy of the travel orders to XXXX when I had to cancel the internet and cable service at my residence in XXXX. So Im submitting a new complaint to expose their lies with a copy of my PCS travel orders attached to this complaint. The early termination fee is not owed and the company fails to acknowledge that the debt is invalid. They refuse to take steps to remove the derogatory remark from my credit report and acknowledge that the debt is invalid. So lets see what ridiculous response XXXX comes up with this time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXX when in fact they 've had it since XX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX.XXXX IL.XXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.

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 2020-10-13
Company: BARCLAYS BANK DELAWARE
State: CA
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:
We purchased flights on XXXX in XXXX for travel in XXXX using my Barclay credit card. In XXXX, the flight was cancelled by the airline. We are only being offered a voucher for travel and not a full refund as is the law when an airline cancels a flight. We have attempted to dispute this with the airline and they continue to refuse a refund, even after complaints were made with the Department of Transportation. Since XXXX, we have attempted to dispute the charge with Barclaycard as well, but our claim continues to be denied.

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 2017-06-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I referred a family member to AmEx but did not receive the referral bonus when that person opened a new American Express credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: SYNCHRONY FINANCIAL
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have called to try to get through to someone and can not get a representative on the phone to tell me why my account was closed without my authorization when my account was current and had a XXXX  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 explanation
Consumer complaint received 2018-10-27
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
GLA Collections is trying to collect 3 medical debts from XXXX XXXX Hospital, but I had Medicaid at the time of each visit. The dates were : XX/XX/XXXX in the amount of {$370.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$330.00} My Medicaid should have paid for this, so I don't understand why they're trying to make me pay. Please fix this or help me understand what's going on. Thank you!!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have constantly told them Im a vicciim of identity fraud and that all the inquiries on my report are not mine I have a journal of contact with them rather have inquiries with wrong phone numbers they also have double and triple of the same inquiries they also keep switching me to their so called fraud department that when they switched me to it sounds like a different country when they answer and theres a fraud part department but they do nothing to help me for like the past year and a half and they refused to take these inquiries they said all they come off in two years but I deserve a fair credit report because I have kids and I cant get anything I cant get a loan and nothing because of all these inquiries and I told him I had a police report and sent it to them as well as I sent them my ID and my Social Security card front and back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about XXXX XXXX XXXX and SW Credit Systems, XXXX 's false allegation that I owe {$66.00} to XXXX, XXXX 's false communication to a debt collection company ( SW Credit Systems, XXXX, TX ) that I owe {$66.00} to XXXX, the resulting negative report that SW Credit Systems made to a credit reporting agency ( which had a negative impact on my credit score ), and SW Credit Systems ' negligent failure to validate that I actually owed anything to XXXX. <P/>Here 's the backstory : 1. I opened an internet service account with XXXX in XXXX 2015. The service was to my home at the address listed at the end of this complaint. <P/>2. From that date I timely paid my monthly subscription fee to XXXX by direct debit for about one year, after which XXXX terminated my service for failure to pay an alleged debt of {$66.00}. <P/>3. At some point in between XXXX 2015 and the service termination date, XXXX unilaterally raised my monthly subscription fee. I was unaware of that unilateral action, and XXXX did not obtain my agreement to it. <P/>4. Instead, XXXX continued to accept my monthly direct debit payment for the amount that we had agreed in XXXX 2015. And each month XXXX added to my alleged " debt '' the difference between what I paid and the increased subscription fee. That continued until the unpaid balance of the unpaid " debt '' reached {$66.00}, after which XXXX terminated my service and turned the " debt '' over to SW Credit Systems for collection. <P/>5. After my service termination, I contacted XXXX and learned what had happened ( i.e., the events described above ). I disputed the charge and was told that it would be investigated. I never heard back from XXXX. <P/>6. Instead, I was contacted by SW Credit Systems. I of course refused to pay, and explained to them what had happened. They filed a negative report with a credit bureau about the unpaid " debt, '' and refused to remove it when I contacted them and again explained what had happened. <P/>7. Today I again contacted XXXX and spoke to several customer service representatives, all of whom failed to make any progress in removing the negative report from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Ditech Financial LLC
State: MD
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:
This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year of XX/XX/XXXX and XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants INC are harassing me every day! They keep calling every day asking to pay a debt that I do not owe. I told them to stop the calls but they will not listen. They gave me an account number with at & t that does not even exist. I spoke to XXXX XXXX XXXX in numerous time asking them if I had a balance with them. All the representatives always tell me to ignore the calls and not to share any information with them. I tried to ignore them but they call from different numbers and yesterday they called my mom. I find this very disrespectful because first of all i do not owe anything. Second they are extremely rude and lastly I have never shared my moms information with anything related with me because she does not speak any English. They are definitely violating the debt collections agency rules by contacting my relatives. They are probably getting phone numbers from the internet or something. I need this harassment to stop now. I am afraid they will even mess up my credit because i am not aware of how much information they have. I XXXX  the company and thet have about 345 bad reviews on XXXX and XXXX so they are probably violating a lot of consumers rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX  , XXXX , XXXX , XXXX XXXX, XXXX , XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One was one of the few credit card companies willing to extend credit in the wake of my 2010 bankruptcy ( though many years later ). And at the time they charged a very high interest rate 22.9 % and higher. As my credit has improved they do not even consider lowering this interest rate, and have told me that the rate will not be changed from the initial rate. The fact that the rate is based on out-of-date information does not concern them. 

This was confirmed by the rep 's supervisor, who I got on the phone. He was entirely unapologetic, though acknowledged that they get complaints about this. I told them I would do anything possible to pay off their credit card and endeavor not to ever use them again. I have been unable to strictly stick to this, but I did pay off both cards with a loan. 

There may be fine print dealing with this situation -- who would know? But this is inherently unfair, and penalizes people who area already vulnerable, but are trying to raise themselves up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There are two XXXX XXXX XXXX accounts on my credit report that do not belong to me. The first  account has an account number of " XXXX '' and a balance of {$5600.00}. The second account has an account number of " XXXX '' and a balance of {$4600.00}. <P/>Experian is the only credit agency who is reporting these accounts on my credit and they are refusing to remove them saying that they have been verified to belong to me. I do n't understand how this is even possible. In the past, XXXX was also reporting these two accounts and when they conducted an investigation, they were promptly removed after it was verified that they did NOT belong to me. How can Experian and XXXX come back with two different results for the same dispute and investigation? I have already called XXXX XXXX XXXX and they have confirmed to me that there are no records that match my personal information! I do not believe that Experian is processing my disputes properly and I am now looking to meet with an attorney to address this issue. It is wrong for other persons ' accounts to be reported on someone else 's credit report and I can not continue to allow this to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never in my life did business with Capital One when looking at my credit report I noticed they were on there I am a victim of identity theft I did put a dispute with my credit bureaus about Capital One is a fraudulent account I did contact Capital One and they said they will note it on their account and erase it on file and contact my credit bureaus to delete it and they still have not done so please have them deleted from my credit report there has never been any type of business between me and them please have them stop playing with my credit report adding things on there and not listening to my consumer rights. they have been rude and do n't want to listen to anything I have to say I 've never done business with this company in my please remove my information that was falsely given to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Their investigation did not fix an error on your report

Complaint:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  & XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
And Saturday, XX/XX/2018 I called Chase bank to increase my daily allowed cash withdrawl via an ATM so I may withdraw {$660.00} for that day only. I went to the ATM machine owned by Chase bank in front of XXXX XXXX on XXXX XXXX in XXXX Michigan. I attempted to withdraw {$660.00}. The machine only gave me {$40.00} ( 2- {$20.00} bills ) I saw the machine had only given me two bills so as I withdrew the two bills from the machine I held it up to the machines camera. As I was still at the machine, I called Chase bank. I explained the issue. The escalation department stated that I would have the money back in my bank account within 12 hours. After 12 hours, I did not have the funds in my account. I called Chase bank again and was told that the funds would be in my bank within the hour. I called back the next morning and was told that I would not have the money until Tuesday as the transaction had to go through and not be in the pended state. I received a call on Tuesday, XX/XX/XXXX and was told that the bank had sent a team out to reconcile the machine. The representative from Chase bank informed me there was no issue with the machine and I would not be getting my {$620.00}. I explained to the manager of Chase Bank on the phone that I had held up the money I received and ask them to pull the camera from the ATM. On Wednesday, XX/XX/XXXX I went to the chase bank in XXXX Michigan. I was told by that branch manager that I needed to file a police report and get a subpoena in order to have them pull that camera. When I spoke with a police officer to file a report, he stated that it was not a criminal matter, but instead a civil matter and there was nothing he could do. I asked him to call the branch manager with whom I spoke at chase bank in XXXX Michigan. The police off they said there was nothing more he could do for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I checked all three of my credit reports and noticed I have a large amount of debts from XXXX XXXX. I immediately disputed the accounts on all three credit reports, They we're removed from XXXX and XXXX  all the accounts. Experian, some of the accounts we're removed but not all, according to Experian the accounts are accurate. How? Nothing was sent, no evidence or anything so how was the accounts investigated or proved to be mines. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( reporting twice ) XXXX  XXXX XXXX XX/XX/XXXX These are the accounts that are listed and needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2018 I attempted to make changes to my payment methods with XXXX per the instructions of one of their representatives. The payment method I was trying to add was already associated with my wife 's XXXX account. The representative from XXXX advised me to have her delete the card associated with her account and then I could add it to mine. This process caused a " Red Flag '' on both my wife 's XXXX   account and mine. I have been unable to add any payment methods since that date and have spoken to 5 different representatives including supervisors at XXXX  who state that nothing can be done.

Company response to consumer: Closed with explanation