BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: Lending Club Corp
State: MD
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 am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reviewed my Credit report and found several account unrecognized items from your officeXXXX XXXX XXXX # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

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 2021-05-15
Company: CAINE & WEINER COMPANY, INC.
State: NV
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:
Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I do have an Extended Fraud Alert and my phone number is listed there twice. XXXX XXXX decided to damage my credit by placing a hard inquire that I never authorized. They claim it was as easy as someone called with my information and applied for credit. I do have an excellent credit score, but the criminal who called with my information did not get approved. That means XXXX XXXX already knew he is a fraudster. 
I called XXXX XXXX and spoke to several people for about an hour to verify my identity. Even after giving them personal information that they already have they demanded more information which is something they established they are not worthy of keeping.

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 2017-10-07
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance company made a mistake between my son and me for a wellness visit that is 100 % covered. This debt was from XXXX XXXX XXXX and purchased by XXXX XXXX. After speaking with my medical insurance this bill was 100 % paid for though the collection agency is not willing to speak with the company they have sold the bill to XXXX XXXX. I have contacted XXXX XXXX XXXX who has confirmed that this bill was paid though cmre will not accept this. The company is XXXX and the bill is from XXXX XXXX. What can I do to resolve this as a customer I am confused as to why the collection company is unwilling to work with me on a paid bill. If I did not pay the bill they would contact me several times a day though for something paid by my insurance they can not work with me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In or around the summer of XXXX, my bank account was closed out by Chase bank. I was told that no information could be provided to my as to why. 

My wife had several accounts. Some of which were joint accounts with her and I and some she had added me to. 

I know a few people that have higher managerial roles within the bank and when I asked them to look into it for me, they advised that they closed my accounts based on a negative history with ANOTHER bank, XXXX XXXX XXXX. 

I pulled my consumer reports, both XXXX  and XXXX XXXX XXXX  ( XXXX  ), and my records are crystal clear. I don't owe any banks any money, not XXXX XXXX XXXX nor Chase. 

I used to work for XXXX XXXX XXXX and I bounced a check back in XXXX. I was terminated and all my accounts were closed. From then on, XXXX  XXXX XXXX has me on a indefinite fraud block and says that I can't get an account with them until XXXX. 

I'm well aware that XXXX XXXX XXXX and Chase bank own XXXX which means that they can ultimately share internal data and records. Although they have the ability, it's an unethical and illegal practice. At best is discriminatory. Chase is Chase and XXXX  XXXX XXXX is XXXX XXXX XXXX. 

I'm now in the position, both credit wise and financially, to become a Chase Private Client, and I am unable to take advantage of the benefits that many of my elite counterparts. Like I said, at best, not allowing me to be an account holder with Chase, is at best discriminatory. Because I have not negative history with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: DriveTime
State: CA
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 have been in contact with drive-time only because i gotten a vehicle financed by XXXX  which i already received an inquiry on my credit report. I been at drive-time multiple times for personal reasons in regards to my financing, payments, warranty, ect. I've talked to sales reps at one point about getting another vehicle and i was shown how to apply on phone apt with sales rep indicating its wont hurt my credit or lower my score because its only getting information what ill pay if i get another vehicle. I was told it only counts once i get the vehicle. That moment i was receiving calls from other drive-time location bugging me like fly 's. Once i explained to one individual that i have a location im dealing with and explained i was there already she decided to look up my information informing me i cant get a vehicle until after a year has passed. I ran my credit report in XX/XX/XXXX even calling the information provided for the inquiry on the report. I was given the blaim game point the finger not being able to explain. I have not been provided proof of validation or proof of verification. 

XXXX XXXX XXXX XXXX  XXXX XXXX AZ, XXXX XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer Section 1689 of the fair credit reporting act indicates the monetary damages i can claim for this up to {$1000.00} dollars for inquiry not authorized by me.

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 2022-04-04
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2017-10-07
Company: Experian Information Solutions Inc.
State: OH
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 have try to solve this for some time now, with XXXX and Experian, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}

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 2017-10-07
Company: EQUIFAX, INC.
State: OH
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 have try to solve this for some time now, with Equifax and XXXX, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I'm a victim of the international wire transfer fraud. I wired the money out to 2 different countries on XX/XX/2019, amount of XXXX Euro to XXXX, and XX/XX/2019, XXXX Euro to XXXX. 
I wasn't aware these were scams until I found out later. I think before the money going out, Citibank should thoroughly to check the credibility of these 2 banks in XXXX and XXXX and the recipients.

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 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have only 2 accounts opened But in credit report its is showing 3accounts opened. And my due is appriaximaye 30-40 K.however its showing XXXX. 

Please check.

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 2019-07-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In 2014 I surrendered my home to the XXXX due to a layoff ( XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ). The house was sold XX/XX/2014 to the highest bidder, it's new owner is XXXX XXXX XXXX XXXX, which is public record. Equifax is the only creditor still reporting this as my home which is false information. It's been removed from XXXX and XXXX. I'm in the process of trying to buy a new house, and this error is making it very difficult for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 we received an email from XXXX XXXX that a debt was allegedly owed. On XX/XX/2019 XXXX XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 XXXX XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 XXXX XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 XXXX XXXX Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USAA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I finish paying the interest part of the loan now I am asked to pay the deferred payment .My loan mature in XXXX I owe {$7500.00} .l asked them to let me pay it off in monthly payments but they will not and they will not refinance the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not providing my credit file and score to the companies that I have requested credit from. 

XX/XX/XXXX XXXX XXXX credit application. XXXX XXXX has been unable to approve my request because for over 2 weeks they havent been able to send my credit file and score to them. 

XX/XX/XXXX XXXX XXXX card denied a credit line increase because I have to few accounts per Equifax. I currently have over 91 approved credit cards in which 31 are active. I have a long history of accounts and excellent credit. The information they are providing to creditors are inaccurate. 

XX/XX/XXXX XXXX XXXX XXXX denied a credit line increase due to Equifax unable to provide my credit score and credit report. 

XX/XX/XXXX, XXXX XXXX wasnt able to determine my credit application because they are unable to get my credit report from Equifax. 

I have excellent credit and the responses from Creditor grantors are that they are not providing accurate information to creditors so a fair decision can be acquired. I do have excellent credit without a blemish. If I am turned down for a credit card, I would be ok with that providing they have an accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Fifth third bank has called my work ( a XXXX XXXX XXXX line ) on XX/XX/19 at XXXX. I spoke with a lady and told her she can not call me on this XXXX work line because I will get in trouble as well. She said where exactly would you like me to call because youve been avoiding and dodging my calls and I told her to call my cell phone. She stated it was a recorded line as well. Today ( XX/XX/19 ) I received another call from XXXX at the XXXX work line. I was not there but my XXXX   informed me that a lady named XXXX from fifth third bank is looking to speak with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently received a debt collection notice from this company. I work long hours and I am requesting no phone calls and to be communicated with in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Lending Club Corp
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: Reporting company used your report improperly

Complaint:
On about or about XX/XX/2019 I applied for a new loan with Lending Club, they denied my loan but sent me to XXXX XXXX they might help! I applied and was subsequently denied by XXXX XXXX.Since then everyday i was getting letters from XXXX XXXX  saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called XXXX XXXX  i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted Lending Club they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.Lending club said they are investigating it.Lending club should be held accountable for partnering with a scam lender

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX, XXXX I called Equifax and sat on hold for 1 hour and a rep came on and tried to help, placed me on hold and disconnected me, I did a Dispute XXXX XXXX and it was over 30 days which FCRA states that items will be deleted if not completed in 30 days, this hasnt been the case with Equifax, they are over the time frame and should delete. Also, they had a section to dispute Inquiries but say they they cant dispute Inquires is contradicting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXXXXXX/ XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation