BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a retired and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX XXXX who charged off the debt in XX/XX/XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to Midland Funding in XX/XX/XXXX for pennies. Midland Funding filed a civil suit and never serve me and got a default judgment in XX/XX/XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. 
I contact Midland Funding and spoke to XXXX XXXX at XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without Midland Funding authorizing so I can not my mortgage or buy food or medication I need for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: GreenSky, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied for a credit card with a local landscaping merchant, and they utilize Greensky as the credit provider. We were assured at the time of application that no interest would be charged if paid in full within 12 months. The charge totaled {$1300.00}. Upon receiving the first statement we noticed interest was being charged, and it was noted on the statement : " If you pay the Current Pay-Off Amount of {$1300.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$31.00} plus any additional accrued interest. '' we have made approximately 5 payments as of today. Our most RECENT statement shows a balance of {$1400.00}, along with the statement : " If you pay the Current Pay-Off Amount of {$1200.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$120.00} plus any additional accrued interest. '' As someone who works for a major financial institution, I have a lot of issues with this matter. Interest is being accrued each month, on each statement. While on the contrary, we were assured no interest would be charged until AFTER 12 months, if the balance was not paid in full by then. By the account accruing steady interest every month, on every balance, it is not providing a true total for what is due. It appears that Greensky is producing the following : unfair and deceptive trade practices pursuant to state law ; violation of the Truth-In-Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires full disclosures at the time the application is provided to the consumer of all financing information ; and violation of state and federal law requiring Greensky to disclose the terms of the financing contract, the consumers right to cancel, the rates, conditions, and the required legal disclosures. 

Each month we pay on our bill, we still receive an increased balance the following month for interest that should not be charged. This means we will have to pay the increasing balance in full BEFORE receiving our interest return, which is not what was advertised. A full investigation into this matter will be necessary, as external research have suggested Greensky has multiple complaints and prior class action lawsuits regarding this same matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
0n XX/XX/2021 located at XXXX XXXX XXXX XXXX XXXX Il Chase ATM at XXXX tried to deposit {$1300.00} cash at Chase ATM , ATM eat my cash didnt go though the deposit and all no any cash can returning back outside of ATM, I noticed Chase bank XXXX and they gave me the case number, still waiting for their investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: AAS Debt Recovery, Inc.
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:
I've paid the full balance owed off of my account and it's still showing up as derogatory on my credit Full balance has been paid and account should be completely removed ; as they no longer have money owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On Tuesday XX/XX/2021 I called Capital one credit card to remove a late fee of {$40.00} and they refused to remove it because it happened the month before, I have 4 accounts with Capital one credit card I was never late with any of the other 3 credit cards, and I explained to them my online banking for some reason did not want send my payment for the master card, but the other 3 visa capitol one I have no problems, and I called my bank and they did not know why I asked the customer service lady to speak to the manager and it took long time to get the manger to speak to me, and the manger refused to remove the late fee, I called Capitol one credit card again today XX/XX/2021 and I offered XXXX from Capitol one credit card to pay off the Master Capital one credit card so she can remove the {$40.00} fee so I would not have in my credit report but she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management claims I owe {$1700.00}. They have reported the amount multiple times on my credit report which lowers my credit more than a single report. Furthermore, they claim on their website that I made a payment for {$5.00} on XX/XX/2021 towards the allegedly owed amount. I never made such payment and my checking account statements will reflect that. I don't understand why they would do that - perhaps to subvert the statue of limitation of the alleged debt. Of note : a previous lawsuit involving Midland Credit Management resulted in being settled in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Their response is 30 days late, and I have not received a response yet. Please remove these items from my credit report that were originally disputed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Hey I was taking advantage of due to non-practical laws being broken due to XXXX by your company. This causing financial injury. this destination of character. I cant get a job. I can't apply for credit. Hey i can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit.

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 2018-05-16
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received a notification of a negative credit entry being added to my credit report. This negative entry dropped my credit score by 15 points right away. The credit entry stated that I have a past due bill from XXXX XXXX and that Southwest Credit Systems is the assigned collection agency. I am currently a XXXX customer and began service only 3 months ago. During my installation of my current service, I was not told that I owe a past bill, nor do I have any recollection that I owe XXXX from a previous service contract. On XX/XX/XXXX, I reached out to XXXX about this negative credit entry and the individual I spoke with advised me that this was for a bill where disconnection of service was from XX/XX/XXXX. The XXXX representative would not give me any details about the bill only that It was on their files. Neither XXXX or Southwest Credit Systems attempted to contact me about this alleged past due bill even though I am a current XXXX customer and they have all my up to date contact information. XXXX and Southwest Credit Systems are obligated to contact me first, present verifiable information to me so that I can have an opportunity to address the alleged past due bill before posting the information on my credit report/file. This was not done, and I was given no prior legal consideration or notification. The credit entry claims the file was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions 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:
There is a repossession account reporting against me that I did not open from a company named XXXX XXXX and I was a victim of fraud. I disputed the account and made the bureaus aware of this and when i disputed instead of removing it they added 6 new 30 day late payments to ruin my credit rating. Please see my before and after screen shot of disputes in attachments. XX/XX/2019 is before and XX/XX/2019 is after.

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 2018-05-16
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I used my Debit card ending in XXXX for a purchase of {$390.00} as debit. The merchant explained this charge may accidentally have been put through twice, however I did not see it pending on my digital banking tools ( Website or Mobile App ). I called PNC Bank on this day to explain to a representative the situation. The representative did not have record of this transaction either. I checked my PNC account digitally on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX diligently to make sure this possible duplicate charge did not cause me to overdraft however this charge of {$390.00} never showed up. Also, I made a mobile check deposit of {$1000.00} on XX/XX/XXXX to ensure if this charge was to have been duplicated that my account would not be overdrawn. To my surprise on XX/XX/XXXX I was charged 4 overdraft fees of {$36.00} each and noticed that the charge of {$390.00} was duplicated. I spoke to the merchant and they agreed to refund one of the charges of {$390.00}. Now at no time from XX/XX/XXXX to XX/XX/XXXX did my account ever show a negative balance on my online banking so I called PNC on XX/XX/XXXX to ask for the fees to be removed. I explained to the representative that I have a low balance email notification setup with a threshold of {$100.00} but I never received a notification saying my balance was less than {$100.00} so I asked the representative to explain why I received the fees as this is misleading based on the information provided to myself from PNC on my digital banking. The rep said there is nothing they could do. I think this is highly unfair as I proactively tried to prevent this and on top of that using the digital tools that PNC provides was unable to properly assess if I was in danger of overdrafting. I would like all 4 of the  {$36.00} overdraft fees waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Even tho I have no contract with these people I tried to settle the debt for {$34.00} we both agreed on and these crooks still have not removed this debt from my credit reports and their derogatory mark!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company appeared on my credit report as a collection. shortly after I received a letter in the mail regarding this account. I have spoke to various people at this company to try and resolve the matter they have not sent me any validation for this account I told them this was not my account but the collection calls keeps coming with no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
as of XX/XX/19 my credit score was XXXX this came to light -- the result of ==home equity loan app -- my only outstanding loan is a second mortgage on my home -balance {$8500.00} -- -All my bills be it utility-credit-mortgage-auto-home etc are paid thru the auto pay system-my credit cards are paid in full every month again thru the auto pay system I have no outstanding debt -- sans the home equity-I have not paid one dollar in interest in twenty years- This may sound- on the face of it-Silly-but -- I purchased something at XXXX with my XXXX charge card -- -this is also auto pay -- they asked if I wanted to apply for the XXXX/XXXX card- I did -- here is the stone in my shoe -- -- I WAS DENIED -- REASON -- -NUMBER OF CREDIT BUREAU INQUIRIES. 
Now -- I was shopping for the best rates in mortgages-equity loans or any other source of funding in order to purchase a Florida Condo -- -It seems to me -- - to avoid the inquiries we are forced to accept the first quote -- avoid the competition and move on -- -Remember I did not purchase -- -accept or was I promised any product -- I was Shopping-Window Shopping -- -Next time my wife window shops I will try to reduce the credit line on her card -- -- This new out-fit -- CFPB is protecting whom from what? 
Some poor slob with a borderline credit score shopping for cruise -- airline -- hotel will have his credit score reduced to maybe, an F -- I don't know where this goes or does anyone care-but this is an outrage -- -I will bet If I can find the fingerprints there is a DODD-FRANK or some other XXXX XXXX behind this abomination-

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX 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 DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2021-04-23
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company, Healthcare collections regarding an old medical bill. I didn't dispute the debt but asked for a payment plan to clear out the debt. I requested this writing and was willing to set up a payment plan to cure my debt. I am willing to pay the amount owed but I am not getting any assistance from the company. Can you please assist me in getting a resolution in writing for a payment plan? Again I am willing to pay this amount owed I just need a payment plan in writing.

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 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit reports and noticed a Capital One account that is not mine and is reporting derogatory. I contacted Capital One and they refused to investigate. It also appears that they attached my social security number on the account that I did authorize to the fraud account, making it look like I have 2 accounts. This is having a severe impact on my credit reporting and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Trans Union irresponsibly used their system to fabricate my credit inquiry history.

Section 6 11 of the fair credit reporting act states you must receive a notification within five days of inquiry reinsertion. I was a victim of a inquiry issue by TRANS UNION. I've notified Trans Union of the error with no effort to have the issue resolved. There is a list of credit inquiries that I believe to be mistaken for someone else 's credit report and none of my current creditors are listed in the inquiry section of my credit report. Listing SIXTEEN credit inquiries on file. Four of which were XXXX XXXX! Two from XXXX. Two are listed as XXXX! XXXX XXXXl. XXXX XXXX. XXXX XXXX XXXX. Two XXXX XXXX XXXX, I researched them and they will finance you a vehicle..at EIGHTEEN PERCENT Why would anyone that?! I called TRANS UNION and demanded they fix my credit report, THEY SAID THERE IS NOTHING THEY CAN DO.

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 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Failure to update 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