BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit file Ive noticed a company cbs collect has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above to be removed from my credit file.

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 2020-09-01
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:
I submitted various documentation to XXXX and Equifax that the debt reported by XXXX XXXX XXXX should be removed because I do not owe anything and the account was not removed nor was it properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America started charging me a $ XXXX safebox rental fee without my approval or proper notification.

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 2018-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
XX/XX/2018 - Letter seeking validation of debt was sent XX/XX/2018 - Capital One sent a return letter saying they needed to research request and needed the following information : Account number on my credit report ; a copy of their return letter ; a copy of my original letter ; a copy of my credit report showing the information ; and my social security number and date of birth. I was asked to return it no later than XX/XX/2018 XX/XX/2018 - All relevant information was sent back to Capital One XX/XX/2018 - I filed disputes with the credit bureaus because it had been over 30 days and no response was given from Capital One XX/XX/2018 - I received the exact same letter from Capital One as above ( XX/XX/XXXX ). This time it was dated XX/XX/2018 and asked to be returned by XX/XX/2018 XX/XX/2018 - All relevant information was sent back again XX/XX/2018 - Capital One sent a letter noting that they had been informed of my dispute, however, they did not have enough information to fully understand the dispute. They again asked for the same information as their previous letters. 

XX/XX/2018 - All relevant information was submitted again XX/XX/2018 - After receiving no response, I check my credit report. This time it stated that Capital One validated the debt through the bureaus. I then sent a letter to Capital One offering to settle the debt at 65 % ( {$160.00} ) in hopes of them removing the charge-off status off of my report. 

XX/XX/2018 - I received a letter yet again from Capital One stating that they needed more information again to understand why I was mailing them. They asked for the same exact information again. 

At this point, I have no choice but to file a complaint. I have asked multiple times for validation of the debt. It took them longer than the required 30 days to respond to that initial request. Even after the time had passed, I continued to reach out to no avail. They eventually were somehow able to respond to the credit bureaus, yet they continue to tell me that they are not certain about my account. Even after offering to settle the debt, they send me information that they are not certain of my account. I have no other choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can not create an account to pay my mortgage I had an account, and suddenly I could not access the account I have called multiple times between XX/XX/XXXX and XX/XX/XXXX. 
I was told multiple times by the company that the issue was resolved and it is not Their website will not allow me to create an account to pay my mortgage and I do not believe the company is being honest I have been told many times I would be contacted within 48 hours, and not a single time did this occur, I have had to take the initiative to call back every single time I have been told trouble tickets have been submitted, only later to be told by another Representative there is not trouble ticket I have all of these conversations recorded and dated I am attaching the error I always receive after going through the process of creating an account Also, a lower priority, but their website has many issues. 
For example. and you can look at XXXX XXXX XXXXXXXX, you have to perform the captcha 4 to 10 times for it to work correctly This website prevents people from getting information on their loans and paying them by not working correctly

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 2018-10-12
Company: EQUIFAX, INC.
State: TX
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:
showing inaccurate information that balances are incorrect also showing inquires that are not mine XXXX XXXX  over charging on interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attatched # XXXX XX/XX/XXXX XXXX  Credit Report Dispute RESULTS. Kindly Note The Account Number You Provided DOES NOT MATCH ( ** UNFAIR CREDIT REPORTING BY USAA should be illegal ) Kindly Note USAA SAVINGS BANK ( *Partial Acct # XXXX **DATE OPENED XX/XX/XXXX*** Listed is Part Of See Attatched VISA/MSTR DEBT XXXX 1099-C CANCELATION OF DEBT XX/XX/XXXX. USAA CHANGED NUMBERS. 5 years later ALL USAA MSTR CARDS WERE AUTOMATICALLY TURNED INTO VISA ' s XXXX WITHOUT MY KNOWLEDGE Kindly Note Account CONFIRMS VISA/MSTR DEBT. This debt cancelled XX/XX/XXXX XXXX Five years later I AM HELD LIABLE FOR A VISA end XXXX I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY CREDITCARD WITH USAA OTHER THAN THE XX/XX/XXXX CANCELED DEBT??? Is This even LEGAL??? Clearly, It is Not Fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sunrise Credit Services does not hold true to their word. Didn't receive any information about an outstanding bill from XXXX XXXX XXXX ( did not owe to XXXX XXXX XXXX and still sent to collections ). To come to some agreement to make this go away I asked if I paid would this be deleted from my credit. The 1st operator stated it would and they would send me a letter verifying after I paid. That never came. I called back and talked with XXXX XXXX and he stated it would be removed in 5 business days. That never happened. Now I called and was told Sunrise doesn't delete from your credit ( why are there so many reviews stating they do ). DO NOT TRUST Sunrise. 

Sunrise misrepresented the action they would do in order to collect money.

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 2018-06-22
Company: Medical-Dental-Hospital Bureau of San Antonio
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to XXXX XXXX XXXX XXXX  asking to send me validation for 4 accounts that they have reported to the credit bureaus. XXXX XXXX XXXX XXXX violated the HIPAA law by sending me itemized letters of procedures that was done including personal information. Per the HIPAA XXXX XXXX XXXX should not have sent me itemized statement with my Medical procedures. As a third party debt collector, XXXX XXXX XXXX XXXX should not have access to my personal medical records.This is a violation of HIPAA. I did not authorize any medical professional to disclose my Medical records with any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
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:
XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION AND XXXX CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or account.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: DISCOVER BANK
State: KS
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:
After speaking with Discover Card regarding their illegal activity ( pulling from a known closed checking account ) I filed a complaint with the CFPB. Subsequently, Discover Card has maliciously closed my account. 

Discover Card clearly must be audited for their illegal and discriminatory practice 's. Consumers have a right to dispute charges as well as file a complaint without having to feel their account, credit, or access to credit will be put into jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion and XXXX I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.

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 2020-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Had a dispute on charges, was asked to write a letter and mail and fax.Did as asked XX/XX/2020. As of today have not heard a response and the phone is not answered have spent over an hour listening to the recording but no one picks up.It has been over 30 days and I expected a reply before now .Would have liked to resolve with the company.

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 2017-08-05
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested a validation of a debt verbally from Hunter Warfield on   XXXX   XXXX  , 2017 regarding a debt that I noticed on my credit report. I also requested a validation of a second debt from Hunter Warfield on   XXXX   XXXX  , 2017 both verbally and in writing. In both cases, I requested that Hunter Warfield cease and desist collection activity during a 30 day period while I investigate the debt.
I received further information from Hunter Warfield regarding the first matter, which is currently under dispute in writing. A complaint has also been filed with your agency regarding to this debt. I have not yet received a validation of the second debt. However, today I received a debt collection call from Hunter Warfield despite my statements to Hunter Warfield that collection activity must cease and desist during the investigatory period of 30 days ( which has not expired ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since the end of XXXX and early XXXX I have periodically received notices of collection attempts from XXXX through various agencies. Each time I have disputed the information with XXXX, through the credit bureaus, and to the collection agency. The account which XXXX has sent to collections never belonged to me and they confirmed that. It is still unclear how my social security number was attached to the account in question but the name on the account and the address associated with it was entirely unrelated to me. 
While I did use XXXX 's services in the past, I have proof that all accounts were closed at my request and entirely paid in full. I have not used XXXX since XX/XX/XXXX/XX/XX/XXXX. 
The collection mark has been removed and then re-placed multiple times resulting in drastic swings in my credit score as well as causing me hours of repetitive work fighting to remove the derogatory mark off of my credit report. 

Please contact for further details and 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 2020-11-15
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:
I Called Transunion on XX/XX/2020. Customer Service Wouldn't help and take care of the Negative Hard Inquires reporting to my credit report. THAT I DID NOT AUTHORIZE As Iam A Victim of Their Inquiry Issues!

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 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 is currently reporting a closed account ( closed XX/XX/2017 ) as " Pay Status : >Account 30 Days Past Due Date< '' This account has been closed and paid in full for two years and now shows the current status as 30-60 days past due. Our credit score has dropped on all three reporting agencies 40-70 points. We have disputed several times with the agencies and XXXX just " confirms '' the information. I have written and called XXXX several times with no avail. We need help PLEASE! This is being reported on both my Husbands and my reports.

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 2017-08-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX - Received letter stating that for my 4 student loans 2 will be forgiven in XX/XX/XXXX and 2 will be forgiven in XX/XX/XXXX. XX/XX/XXXX - sent letter asking for a list of the payments are going to the loan foregiveness program because I signed up all 4 loans for the program at the same time and I expected an earlier date. XX/XX/XXXX - I called and was told that these numbers are correct but they ca n't give me any detail. XX/XX/XXXX - sent a 2nd request letter asking for this information XX/XX/XXXX - sent an e-mail XX/XX/XXXX ( today )- sent 2nd e-mail - although I now decided to contact you also because it 's been over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: DISCOVER BANK
State: NJ
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:
I have been disputing several charges from XXXX that were charged to my Discover card starting in XX/XX/XXXX and XX/XX/XXXX. The charges are as follows : {$920.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$710.00} XX/XX/XXXX These charges I have been disputing since XX/XX/XXXX and again in XX/XX/XXXX and both time Discover has sided with Hotels.com. I then turned my attention directly with Hotels.com and received several emails from them saying they tried to refund my card but the hotel didn't authorize and then they also stated that I should take that issue up with my credit card company as they can't do anything further for me. The documents that XXXX submitted to Discover were print outs of the reservations one with a ales name that I am not associated with and the documents didn't have my signature. They also submitted a copy of my XXXX picture with documents to state that it was valid. It is not and I am sick and tired of this. I love my Discover card but this is wrong on many levels. I feel robbed. I am attaching the emails and also copies of charges that hotels.com made to another credit card without my authorization. I have had my personal information stolen previous to this and now I can't get this corrected. I shouldn't have to pay for anything that I didn't authorize. I have attached all my supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.

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 2018-08-09
Company: Bread Financial 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:
In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX  and Equifax I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.

Company response to consumer: Closed with explanation