BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and transunion. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.

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 2019-02-05
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Chase is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Ocwen Financial Corporation
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: Old information reappears or never goes away

Complaint:
Owcen mortgage continue to report information to credit bureaus past legal reporting period as per New York State.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX is inaccurately reporting on 2 accounts on my credit reports for XXXX, experian and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.

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 2019-02-05
Company: Avadyne Health Holdings, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification on my credit and a letter from XXXX XXXX XXXX XXXX  that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XX/XX/XXXX and once in XX/XX/XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
From XXXX to XXXX Capital One and other credit cards that I had were sending money to a fake XXXX card account> I paid of All the cards and canceled them all,,,, Capital one keeps send me and you wife junk mail for their pre-approved officers! I have filed a complaint with you and the said they would stop sending me their fake pre-approved officers! I want them to stop sending me their fake pre-approved officers!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am an American expatriate living in XXXX XXXX and working for a XXXX XXXX XXXX. My employer recently changed direct deposit policies so that the balance of my monthly pay was sent directly to my XXXX bank account rather than my U.S. bank account. Knowing that this change was about to occur, I set-up international wire-transfer instructions with XXXX XXXX XXXX XXXX  ( XXXX ), and sent a test transfer to to XXXX XXXX, XXXX to ensure that my data was correct. Within 36 hours my test was successful and I was confident that I had provided proper information to the bank. When my salary was deposited into my XXXX account on XX/XX/XXXX, I utilized the wire-transfer profile I had previously set-up and wired the balance of my salary to my Chase account. It is now XX/XX/XXXX and my wire still has not been deposited into my Chase account. I have contacted XXXX and paid for a trace on the transfer, which they performed and confirmed was received and acknowledged by Chase Bank. Chase Bank still denies any knowledge of the incoming transfer and my full monthly salary is still missing. I filed a complaint here with the XXXX XXXX XXXX XXXX but their government has confirmed what my XXXX bank claims. I filed a complaint with the FDIC against Chase and they referred me to CFPB, which is why I am here. All of my monthly bills and debts are now being deducted from my Chase account, and the account is currently overdrawn by over {$2000.00}. HELP ME PLEASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05
Company: KEYCORP
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I NEVER APPLIED FOR XXXX THIS IS NOT MINE XXXX/XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : Paid Monthly Date Closed : XX/XX/XXXX High Balance : High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : CLOSED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Amount Paid {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Past Due {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Rating OK OK OK OK OK OK OK OK OK OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1000.00} Date Updated : XX/XX/XXXX Original Amount : {$1000.00} Original Creditor : XXXXXXXX XXXX XXXX  ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I HAVE XXXX XXXX XXXX XXXX THAT WILL TAKE CARE OF THIS XXXX   XXXX XXXX NUMBER SHOULD PAY THIS ACTIVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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 was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX  Date opened XX/XX/2015 Account number XXXX XXXX XXXX Date opened XX/XX/2015 Account number XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of 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 explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION

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 2019-02-05
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
repeated attempts to get correct information on my credit reports XXXX, XXXX  and XXXX. I have made payment on XXXX XXXX XXXX account that is associated with Eastern Account system.I have made payment and want account from credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX about a bogus judgement for a debt from Midland Funding LLc Assignee of XXXX / XXXX. For a balance of XXXX and the name on the letter is wrong. My name is XXXX XXXX XXXX they have XXXX XXXX XXXX. I sign my name on documents as XXXX XXXX XXXX its on my drivers license and social security card and birth certificate. My whole name is XXXX XXXX XXXX XXXX and this is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX  XXXX XXXX Credit card : XXXX is lost/stolen. There are fraudulent charges/transactions on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$0.00}

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 explanation
Consumer complaint received 2017-12-06
Company: DRIVEiT Holdings, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, I returned the car less than one month later because of problem that they refused to fix. This car company went out of business. My loan was with XXXX XXXX. From the time I returned the car, I was in contact with both the finance company and the dealership. It came to a point where this dealership stop communicating with me, I sent them ( XXXX XXXX XXXX ) a letter though the postal service ( and I still have the proof ) that the manager XXXX XXXX, Told me to send. Around XXXX XXXX XXXX, I received a call from her and she told me that this matter was resolved. It was in my records as resolved, and someone changed it. ( It was changed after I ask for confirmation, go to the backup in there systems ). I called customers service ( records ). Talked to a supervisor and asked for confirmation, they never sent it. Instead, they sold the loan, after my problem was resolved, and never told me anything. I have file complaints with the BBB about this matter before, but never on this company. I received a letter from XXXX XXXX and they tell me that it is a criminal investigation going on and a complaint filed with the Bankruptcies courts, I ask about this said vehicle and he said it is unaccounted for. I do not have this car and it was return legally, not abandon like this company likes to say. Result : I was sent back my deposit from the first company. 
Now the second company tried to force me to sign some shady paperwork witch a VA and personal lawyers told me not to sign, I received constant call from these people and I would like it all to stop. This has been the worst experience trying to buy a car ever. Im being held prisoner to theses unethical companys blunders and mistakes, which I was being proactive in the attempted to resolve. Still to this day, I do not have a 1.Licences to drive 2. A Car, No one will give me a loan with this on my report 3. My Credit score ruined because of this XXXX to at one point a Low XXXX 4.I was called a Liar 5. MY  FREEDOM, I was plaining on traveling around the country in my new car, 10 months later still here. This is taking my XXXX to the next level ( XXXX War Vet ). I would like to find the underlying cause of this and have it done with. I have been OVERLY Penitent about this whole matter from All Three Companys and they have all not shown me the consideration as a viable consumer with this whole matter, I am disappointed as a customer and a consumer and will continue to use ride share to commute because of this horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote to Equifax on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 regarding a medical collection account reported. This account is now known to me, I have never given any consent to anyone to share my medical information and I feel violated because of this. Whoever is reporting this account to Equifax should present my consent in accordance with Hippa Law. Also, the other reporting agencies are not reporting this account, only Equifax which I found suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2018, Paypal sent me a notification requesting that I gave proper tracking information for some sells that I had made. Until, receiving the information that was needed, I was told that my funds would be held per their buyers protection policy. After submitting the required documentation, I received an email on XX/XX/2018 stating that their investigation was complete and that my funds were no longer on hold and that I had full access to the funds, this is apart of their Sellers Protection Policy. 

During these days, they also decided to close my account after accusing me of doing credit repair services in which on several occasions, I advised them that. After given them proper documentation, in which I was told was satisfying, I received an email stating that my account was fully restored. However, my account wasnt fully restored and I was told that they would be holding my funds for 180 days just in case of possible chargebacks and etc. When in fact, that is against their Sellers Protection Policy What are the requirements for Seller Protection? 
Initial Requirements Ship to the address on the Transaction Details page. If the item was sold through your site, make sure youre shipping the item to a confirmed address. 
The item sold must be a physical, tangible item that can be shipped. This means intangible items such as digital goods and services arent covered. 
If we request documentation or other relevant information, we ask that you respond promptly ( typically within ten business days ). 
Your permanent address ( listed in your PayPal account ) must be in the United States. 
Additional Requirements For Item Not Received cases : The payment must be marked eligible or partially eligible on the Transaction Details page. 
You must provide online tracking to be eligible for protection. 
For Unauthorized Payment cases : The payment must be marked eligible on the Transaction Details page. 
You must provide Proof of Delivery or Proof of Shipment as described below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 unknown inquiries on my credit report. Amex on XXXX XXXX, XXXX XXXX XXXX on XX/XX/2019, and XXXX  on XX/XX/2019. I just saw this on my credit score and it is greatly affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED

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 2019-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX and I am a California consumer. On XX/XX/2019 I asked the Representative if I was being recorded because I noticed that it was not disclosed to me at the beginning of the call like it normally is. I did not get any notice until I asked if it was being recorded. Please communicate in writing only and pay me for damages. See attached letter.

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 2017-12-09
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started paying back money I owe to a company the collection agency ( Transworld Systems , Inc. ) was working on their behalf. I still owe one more payment ( {$57.00} ) when the collection agency disguise themselves as a contact from my personal cell phone list. It appeared as a work number from one of my friends. When I opened it, I recognized the number from collection agency. It began on XXXX XXXX to the present.

Company response to consumer: Closed with explanation