BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Lloyd & McDaniel, PLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid off a settlement offer for a debt to XXXX XXXX, Account XXXX XXXX. They said they would send a letter within 24 hours acknowledging payoff, and never received it. Then said 24-48 hours, then said maybe Tuesday. Need this pay off to be able to credit card process for my business, hurting my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Transworld continues to hurt my credit by saying my private student loan is in active collections. This account, originally owned by XXXX XXXX XXXX and XXXX XXXX, was included on my XXXX XXXX  XXXX XXXX XXXX. The original lender was contacted regarding my XXXX  XXXX petition, and they never responded or took me to court for payment. The judge and court XXXX and closed my case. No other lender has done this. All the other accounts that were included in my petition have been closed and say " discharged in bankruptcy '' since XXXX. Transworld reports this account as new, and active, which is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAINE & WEINER COMPANY, 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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was out on medical leave and had a hard time paying my vehicle loan and explained all this to company and was harrased about repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used the Huntington Bank online bill pay portal on XX/XX/2023 to make a {$1000.00} payment for flood insurance. Shortly after the date when the flood insurance payment was due I received a notice from the insurance company XXXX XXXX XXXX XXXX that the flood insurance policy was cancelled for non-payment. When I contacted XXXX they said the payment was never received. I then contacted Huntington Bank and they conducted an investigation. 

On XX/XX/2023 after the investigation Huntington provided me with a one page transaction report that included little information about the payment Huntington claims it sent. I provided the transition report to XXXX and they said the transaction report provided no useful information for them to be able to track the payment and they maintained that the never received the payment. 

I requested that Huntington provide me with either the cashed check they sent to XXXX or the electronic transfer information including the bank, routing number and account number for where Huntington sent the electronic payment. Huntington refuses to supply this information. Huntington also said they would credit my account for the {$1000.00} while the dispute was ongoing, but they failed to do so. I have now had to purchase another flood insurance policy at a higher cost. That policy will not take effect until XX/XX/2023. The house that is insured by the flood insurance policy is a Florida coastal house that is within 300 yards from the ocean, so the home will be exposed to possible flood damage without flood insurance for another month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep receiving phone calls from a third party company telling me to contact XXXX XXXX XXXX. when I called XXXX XXXX XXXX today they claim I owe a debt from 2001 to XXXX XXXX. I do not have any memory of any such debt from 2001 I have paid my debts. The last time I called asked them to mail any information to me, all I have received are more phone calls? nothing in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filling a complaint against XXXX XXXX XXXX, because their careless mistake has caused my credit score to suffer greatly. I contacted them countless times to have them fix their mistake but to no avail. I even hired XXXX XXXX to plead on my behalf, still no response from them. I opened an account with them in XX/XX/XXXX and made a purchase. I contacted them soon after one ( 1 ) month to inquire about my bill and was told I had six ( 6 ) months to make a payment and there was no payment due at this time. Upon checking my credit report the following month I noticed that they reported my account late on all three ( 3 ) credit reports. I then contacted them and was informed by XXXX on XX/XX/XXXX that they made a mistake in my mailing address therefore I never got my first bill. Hence, my account was reported as being late for non-payment. That same day I paid {$550.00} which paid off the account. XXXX told me that since it was a mistake on their part that they will rectify it with all three ( 3 ) credit bureau. Payment was posted on XX/XX/XXXX. I follow-up again on XXXX and spoke with XXXX and was told that they are still working on it. Then again on XX/XX/XXXX XXXX told me that it could take up to sixty ( 60 ) from my original complaint on XX/XX/XXXX for the correction on reflect on all three ( 3 ) credit reports. As off XX/XX/XXXX, I have not been able to have them remove the late notice from my three ( 3 ) credit reports and it has been affecting my credit score which took a huge hit as result of their careless mistake. I have their bill statement which mentioned that they made a mistake and their late fee was waived from my account ( see attached document ). 
Please feel free to contact me if further information is needed. 
Thank you for your anticipated cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
These are not my accounts, nor are the addresses on 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 2019-07-08
Company: Radius Global Solutions LLC
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:
RADIUS GLOBAL SOLUTIONS {$58.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Sequium Asset Solutions, LLC
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:
During A Check of My XXXX Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, XXXX  Credit Report, And XXXX Credit Reports Dated XXXX Show That I have A Debt with SEQUIUM ASSET SOLUTIONS AKA Sequastsol AKAFOCUS RECEIVABLES MANAGEMENT. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt from XXXX XXXX XXXX is 5 years old and this is the first I'm hearing about it. I paid rent every month on time and had receipts to confirm. Until just recently because XXXX only keeps mail for 3 years. Not only that but XXXX XXXX XXXX has deleted my account so that THEY can try to SCAM me out of more money. I will not be paying this " DEBT '' as I already paid it 5 YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received laboratory services from a provider that was not covered by Medicare although I did not know it at the time and when I received my Medicare statement, it showed the charges and stated that Medicare did not pay anything because the provider was not covered by Medicare when I received the service. I was contacted by an attorney to collect the debt. I mailed him the Medicare statement showing that the maximum amount the I should be billed is {$0.00} and also sent information about the Medicare No Surprises Act. I received any letter asking for the claim form from my secondary insurance provider ( XXXX XXXX XXXX XXXX ). They did not pay anything because Medicare did not pay. I recently received a third notice from the attorney demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2022. I tried to pay my Chase credit card payment using the Chase ATM outside the bank. However, When I insert the {$2200.00} cash to the ATM, it ate my money and gave me an error receipt. I called the number on the receipt immediately and the person on the phone said they will credited me the {$2200.00} balance to my credit card account while they investigate this error. XXXX months later, I noticed that they reversed the balance. I called them to ask why my payment was reversed and the person on the phone told me my claim was rejected because amount they found does not match {$2200.00} and there is nothing they can do to recover my money. 

I have attached the receipt the ATM gave me the the error happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX KS,XXXX XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXKS,XXXX  XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXX XXXX XXXX KSXXXX XXXXXXXX XXXX XXXX XXXXNJ,XXXX  I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court District of XXXX. My Kohls credit card account was included in the bankruptcy petition for the current balance I owe kohls.  There was some unauthorized transactions made on my Kohls credit card account from XX/XX/XXXX to XX/XX/XXXX and Kohls did an investigation and determined I was not liable for the unauthorized transactions that on my Kohls charge account. Kohls recently sent me a letter informing me, I am now liable for unauthorized transactions that Kohls determined previously, I was not liable for. Kohls also filed a police report with the XXXX XXXX Police Department in XXXX XXXX XXXX, MN requesting for criminal charges be filed against me for unauthorized transactions that was made on my Kohls charge account from XX/XX/XXXX to XX/XX/XXXX, that Kohls previously informed me I was not liable for. I did not commit any fraud or crime with my own Kohls credit card account. There has been miscommunication and a misunderstanding with me and Kohls in regards to unauthorized transactions that was made on my account from XX/XX/XXXX, to XX/XX/XXXX. I can not recall any of the unauthorized transactions that was made on my account from 9 months ago. Even after filing for bankruptcy, Kohls continued to contact me by sending me letters by U.S. mail informing me of their investigation of unauthorized transactions on my Kohls credit card account. The federal bankruptcy law of an Automatic Stay specifically states that creditors can not contact you to collect debts after youve filed bankruptcy. The Automatic Stay protects me from harassing phone calls, emails, and letters. My Bankruptcy Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX will be in contact with Kohls about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1000.00}, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-13
Company: Shellpoint Partners, LLC
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: Public record information inaccurate

Complaint:
I have a nonpayment of a mortgage loan for 3 months. This loan was made back in XXXX. It was assumed by someone in the process of selling the house. There is no other reports of this loan for years. I was told after contacting them, that the loan has not had a payment on it for 6 years. They did not contact me before adding this to my credit report. They just did it. I had to contact them to try to find out what is going on..it doesn't make sense, because we bought the house in XXXX, so why would there be a loan dated XXXX. I do not have paperwork since I throw away after 7 years. I believe the company 's name is Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 did not authorize XXXX  To XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX please remove these hard inquiries on my report did not authorized this Thanks

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 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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