BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am getting duplicate charged from the hospital. The bill and all amounts due were paid at before I was XXXX from the hospital. They told me this before I left. Copays and deductible were paid to the hospital yet they are sending me a second bill for the exact same service that I already paid. I think this is unlawful and I do not owe the amount they are billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, 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:
two fraud accounts have been reporting on my equifax credit reporting agency, i have been disputing these two accounts, but they have not been helpful at all, these were disputed few times, XXXX  and XXXX have removed these inaccuracies, but equifax is unwilling t do so and they are not cooperating. one is a XXXX XXXX XXXX account and the other one is XXXX. 
i have already sent them police report and FTC report showing that i had been a victim of ID theft, but they have been playing me around and not placing correct disputes. it has been almost a year and very stressful and uncomfortable year. please have these two accounts removed from equifax reporting. 
thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
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:
DISPUTE HAS BEEN LONGER THAN 30 DAYS AND THESE ACCOUNTS ARE STILL REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: MD
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:
I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX and XXXX  XXXX ( XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple letters about unauthorized inquiries on my credit report. There has been nothing done about it. I have even placed a fraud alert on my credit report because there were inquiries that I did not authorize. These need to be deleted immediately it is affecting my score and reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

DELETE THESE ACCOUNTS :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: MI
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/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the Equifax data breach and gotten into the wrong person 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've been a Capital One credit card customer for over 15 years. It's unbelievable that although I've pleaded for assistance, no reasonable options have been provided due to Covid19. In the beginning of the pandemic in XXXX state shutdown, I requested payment assistance on all four credit cards with Capital One due to Covid19 unemployment. I was denied assistance on three of the Capital One cards, which caused the accounts to be in default. Rather than offer assistance, Capital One put restrictions on my accounts, and continued to charge late fees and high interest rates. Two of the cards ( XXXX and XXXX ) have been permanently closed due to Capital One failure to provide assistance. 

When I requested assistance several times for the closed accounts, Capital One representative informed me that there were no payment assistance available for my cards. Yet, the website contradicts this statement, and other cardholders were provided with deferred payment due to Covid19 ( see attachment ). Although Capital One provided deferred payments on the Walmart Capital One card, the delayed payment accumulated into an outrageous monthly payment ( {$720.00} min. ), with interest and late fees. I received an email from Capital One offering to work with me only with the Walmart credit card, but not one offer on the other cards were offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have received several emails from XXXX XXXX. Those emails or attached to this complaint. I opened a XXXXXXXX XXXX total checking account in another state namely XXXX Illinois in XX/XX/XXXX. I closed the total checking account at a XXXXXXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. At the time of account closure, I received the remaining balance left in the account which was in access the amount in which XXXX claims they are still owed. Additionally, the account closure happened while there weren't any pending withdrawals. The account closure was performed with a positive balance and funds left in the account. The account closure happened in XXXX however the fees in which XXXX XXXX is claiming is owed occurred in XX/XX/XXXX. The account closure was after XXXX days of the transactions in which XXXX alleges is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was payed a two thousand dollar check, which I submitted to my Chase bank checking account on XX/XX/2019. The payment of two thousand dollars was paid from an existing account also belonging to Chase bank. Chase did not recognize their own account, and decided it wasnt safe to transfer from even though it was from their own establishment. Resulting in a withholding of funds. I understand this is done often as a safety measure to make sure checks dont bounce, but as a rule an established check, or a check paid from the same institution should not be withheld. I called Chase bank on XX/XX/2019 to complain, but they refused to acknowledge their own account as safe to draw from, and did not withdraw the hold. I have been with Chase for many years, and they have a repetitive history of placing holds on checks that are safe to draw from, including checks from the federal government Ive received from taxes, which are an established trusted accounts. When these accounts are being held so often when its not deemed necessary, I believe Chase is taking advantage my deposits at my own expense, and this abuse of power in fact should be illegal and be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXX to report the credit cards. THIS IS EVIDENCE OF AN ATTACK!

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 2019-11-01
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
American Honda Finance ( aka Acura Financial Services ) inadvertently and without notification to its Leasing/Financing customers reduced the Limit of the loan on the consumers credit report. For example if your initial loan or lease was XXXX it is now XXXX. This negatively affects consumers credit because it reduces the amount of credit limits given to customers on the algorithms the bureaus use to calculate the credit scoring for the Credit Reporting Bureaus and reduced the amount of available credit negatively affecting the credit scoring. As per Acura, they did this to correct industry standards, yet they did not update the amount owed to remove taxes that are included in leasing financing, which in all fairness should have been done since this would have cancelled out the negative effect of what they did. Instead, only, the available limit was negatively affected which in turn negatively affected ALL of Acuras customers negatively. This is a violation of the Fair Credit Reporting Act and Acura/Honda should be held accountable for negatively affecting consumers credit by implementing a Corporate Decision across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX  and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2019-04-10
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Men of XXXX XXXX and XXXX countries collected my money as an attempt to claim a winning fund from XXXX XXXX ( XXXX ). The money collected requested me to send charge fees of issuing change of ownership and authorization certificates. It happened occasionally in XX/XX/XXXX. I told them to return back my little earnings but they ran away until now. I reported it to the headquarters of Western Union through calling on XX/XX/XXXX but nothing had been to remove my pains I had suffered up til now. The amount collected all together with charge services was $ XXXX. Please, I need your assistance. I wrote a letter to the western union of XXXX to work on it but nothing has been done. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-11-08
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
SPOKE TO CHIME REP. SEVERAL TIMES REGARDING MISAPPROPRIATION OF FUNDS THEY SAID I CANT PROVE IT THEY CANT DO ANYTHING ABOUT IT. SO, I STARTED TAKING A SCREENSHOT OF MY TRANSACTIONS SO I CAN PROVE THAT THE AMOUNT THAT IS REPRESENTED IN THE APP. IS NOT CONCURRENT OR RFECTING WHAT THE ACTUAL AMOUNT SHOULD BE. AGAIN, MADE THEM AWARE THAT I HAD PROOF AND STILL NOT RESOLVED. ON XXXX I CALL AND SPOKE TO A CHIME REP. AND LET THEM KNOW THAT MY SPOT ME FEATHER WAS INCORRECT. THEY STATED THAT THE PAYMENT FOR XXXX  WAS POSTED ON XXXX XXXX, WHEN IT WAS ALSO POSTED XXXX XXXX AT XXXX AND AT THAT TIME MY BALANCE WAS - {$35.00} AT XXXX PER SCREENSHOT XXXX HOURS AGO A PAYMENT FROM XXXX. NO OTHER TRANSACTIONS FOR THAT DAY.NOW, TODAY XXXX XXXX ACCOUNT BALANCE - {$35.00} WHEN I WOKE UP FIRST PURCHASE XXXX XXXX XXXX AMOUNT - {$7.00} FOLLOWED BY XXXX XXXX XXXX AMOUNT - {$30.00} AND XXXX  - $ XXXX THEN I CHECK MY ACCOUNT BECAUSE I DONT TRUST THE BANK TO BE ACCURATE IT STATES- {$100.00} WHEN IT SHOULD BE- {$90.00} SO I CALL THE CHIME REP. FIRST STATED THAT THIS MORNING MY ACCOUNT BALANCE WAS POSITIVE {$16.00} DUE TO A REFUND THAT WAS GIVEN BACK BY XXXX I MADE THEM AWARE THE IT DID NOT REFLECT THAT REFUND ON MY APP. THAT SUPPOSE TO REAL TIME. AND IF THAT'S THE CASE THEN MY CURRENT BALANCE IS WAY OFF. EXPLAINING THAT MY BALANCE SHOULD BE- {$38.00} GIVEN THAT I ONLY MADE THREE TRANSACTIONS TODAY THEN SHE COULDN'T EXPLAIN HOW MY BALANCE GOT TO - {$100.00} SHE COULDN'T EXPLAIN IT SO SHE PUT SUPERVISOR ON THE LINE AND HE BLATANTLY LIED STATING THE XXXX  TRANSACTION WAS TODAY AND NOT YESTERDAY, SO THEY TOOK TWO PAYMENTS OF {$65.00} THEY STATED THAT I HAD TO PAY THE BALANCE IN ORDER TO GET THE {$1200.00} THAT WAS IN MY SAVINGS. THEY NEED TO BE HELD ACCOUNTABLE FOR CONCOCTING WAS TO STEAL HARD WORKING PEOPLES MONEY THROUGH THE XXXX XXXX XXXX THINK ABOUT ALL THE PEOPLE THAT DONT PAY ATTENTION TO THEIR TRANSACTION HISTORY CAUSES THEY TRUST THEIR BANK TO ONLY TAKE WHAT IS NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My last term at XXXX XXXX University XXXX, I was enrolled in two classes without my consent. I did not register for classes purposely due to a family emergency that took me out of town. Someone at XXXX took it upon themselves to register me for two classes costing a total of {$3500.00} ... account XXXX. Since I didn't register for the classes, I am not paying for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Fidelity National Information Services, Inc. (FNIS)
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:
CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, CHEXXXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL XXXX XXXX XXXX AND GO XXXX XXXX WHILE XXXX XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Upon opening the account the week prior, I specifically noted that i would be linking my card to XXXX  and purchasing crypto currency. I was told this would NOT be a problem. On XX/XX/2023 I put through a transaction to XXXX  for {$1000.00} with my US bank Debit card. immediately received a text message asking to verify the transaction from the fraud department. I verified I DID AUTHORIZE THIS TRANSACTION and it was not fraud. They refused to process the transaction still. I called the fraud department and was told they saw that I authorized the transaction and STILL REFUSED to put the transaction through. They have unlawfully denied an authorized transaction i have made and prohibited the disbursement of my 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