BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and 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 2017-10-28
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Copy of letter sent to Navient : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX Account : XXXX To Whom It May Concern, On XX/XX/XXXX I spoke with a representative about switching my repayment plan to the new REPAYE program. The representative informed me of how to apply for the change ; part of the new application was to apply for a one-month forbearance, call as soon as I submitted the application, and make a {$5.00} payment. 
I submitted the application the next day. On XX/XX/XXXX I spoke with a representative to make the {$5.00} payment. I was informed that a one-month forbearance would capitalize all of my interest unless I made a full payment of {$630.00} by XX/XX/XXXX. I agreed to these terms, and looked at my options to make this full payment. Later on the same day, I saw that I could have the money ready for payment by XX/XX/XXXX.

I received several correspondence letters, one with the terms of the forbearance. It stated that payments will resume on XX/XX/XXXX. 
On XX/XX/XXXX, I received a correspondence letter stating that I have been approved for the REPAYE plan. When I logged in to see what my new payment would be, I noticed that all of my interest was capitalized less than a week after my forbearance was approved. 
I spoke to a representative, who informed me that the forbearance was set to end on XX/XX/XXXX, not XX/XX/XXXX. I asked for the capitalized interest to be removed, thinking there was an error. The representative stated that she can not do that, but she can transfer me to a supervisor. I spoke with XXXX, who again told me the same information. She told me that a new policy back dates forbearance approvals this meant that my forbearance began on XX/XX/XXXX, and was scheduled to end on XX/XX/XXXX. 
XXXX instructed me to write a letter with this information ; she also sent the case to review. I would like the capitalized interest removed from my account. I do not feel that forbearance terms should be changed without informing the customer. I have submitted a {$650.00} payment, which will make my account current to the terms I was given. I have also included a copy of the letter of my forbearance terms. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX Follow up : I did not know about CFPB complaint process until recently. I received a letter from Navient stating they were correct in applying the interest, despite the fact they retroactively applied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: JPMORGAN CHASE & CO.
State: AL
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:
CONTACTED XXXX ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
JPMCB CARD XXXX XXXX RETAIL CARD SERVICES XXXX  XXXX FOR A TOTAL OF 3 TIMES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was accessed while I was XXXXXXXX from XX/XX/XXXX til XXXX  XXXX of this year. Someone that I know assumed my identity and changed all of my login information so they could access my stimulus and other money from my account. I never gave power of attorney and have filed a formal complaint with identitytheft.gov. This person essentially has stolen close to {$5000.00} from 3 of my accounts. My XXXX, Chime Bank and my XXXX XXXX accounts. I have a paper trail that outlines unauthorized transactions from the entire time that I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is regarding a medical account with XXXX XXXX XXXX that was handed over to collections XX/XX/XXXX. The following collection agency has placed information on my credit reports GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I found out about it when I checked my credit. I remember I was taken to the emergency room of XXXX XXXX XXXX in California because I was hit by a car while walking on the cross walk in the rain one night when the green light for me to walk was on. The driver of the car did n't see me. I was lucky I suffered XXXX XXXX XXXX only. I 've been on XXXX ( XXXX XXXX  XXXX ) the last several years, before that incident, and I had/have coverage and gave XXXX XXXX XXXX my health insurance info which is XXXX and XXXX. I thought this matter was resolved because I remember in XX/XX/XXXX I talked with XXXX XXXX as they wanted me to pay the bill. I told them to bill my insurance. They told me they were billing me because I did n't provide them the insurance number of the guy who hit me with his car. I told them that 's ridiculous! How would I have the insurance info of some person I 've never met who hit me with his car? Also my only source of income was XXXX XXXX XXXX and the medical bill amount was close to the total amount I was receiving from The Social Security Administration in a year. The way the call ended I understood XXXX XXXX XXXX XXXX was just going to write off the amount if they were n't going to bill my insurances as I had no way to pay such a debt and XXXX is exempt from court judgments and collection attempts. I checked my credit this year XX/XX/XXXX and found that collection account on my credit report. I wrote Grant & Weber and told them I have XXXX and XXXXXXXX and XXXX XXXX XXXX should have billed those insurances but they refused. I also stated it 's unfair to stick a person who receives XXXX payments with a bill more than their yearly allotment from the Social Security Administration.  Why should I be stuck with an expensive medical bill after I was hit by a car when the insurances I have cover emergency room visits? 

I also saw my regular physician last month, XX/XX/XXXX, at XXXX XXXX and they accepted XXXX and XXXX as covering payments for my doctor checkup. 

This is unfairly damaging my credit report. There is no way I can pay this off. I was obeying the law and walking on the cross walk when the green light for pedestrians was on and I was hit by a car. My insurances cover emergency room visits. XXXX XXXX XXXX continues to bill my insurances to cover current medical expenses. XXXX XXXX XXXX refused to use my insurances to pay the medical bills and that 's their choice not mine. This collection account needs to be removed from my credit reports as it is seriously damaging my credit unfairly.

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 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
CONTACTED XXXX ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
XXXXXXXX XXXX XXXX XXXX RETAIL CARD SERVICES CAPITAL ONE FOR A TOTAL OF 3 TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedars Business Services is attempting to collect a debt that is not mine. I received a demand letter in the amount of {$2200.00}. This debt is not mine and I will not pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
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: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the XXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.

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 2017-10-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the XXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charges appeared on card that we did not authorize XX/XX/XXXX To there credit, our credit card company alerted us on XX/XX/XXXX of fraud alert and began process of closing old card. 

Unfortunately at this point a new card was issued to us and we were advised that our account was under investigation. 

Upon issuance of the new card, our old card with fraudulent charges was having balances transferred to our new card. 

This is where we have hit a wall with our credit card company. These charges were not incurred by us but we are being forced to deal with payment and late fees every month. 

We simply need help to get this company to resolve our account back to zero, prior to fraudulent charges back in XX/XX/XXXX but can't get company to resolve due to poor communication from the company. 

We have spreadsheets and documentation we'll gladly share to support our issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
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: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the TXXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.

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 2018-01-09
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 acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old Experian credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XX/XX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.

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 2017-10-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday XXXX/XXXX/XXXX I was in receipt of a phone message alllegedly from XXXX stating that needed to call a phone number XXXX to discuss a debt that I do not have nor was any other information given about any so called debt I might have. 

I believe this was an attempt to coerce me into giving private information to sources that use such information illegally. 

My concern is that such organizations give false information out and this gets picked up by credit agencies and create false reports hat cause me to be denied emplyment or creatre false reports tha tlower ratings in other areas. 

AT NO TIME WAS ANY DOCUMENTS EVER PROVIDED SUCH AS A BILL OR OTHER REPORT INDICATING THAT I OWED ANYONE ANYTHING IN THIS MATTER

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 2022-03-30
Company: Absolute Resolutions Corp.
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 have tried to get a collection resolved and removed from my credit report that Absolute Resolution is reporting that is not mine. In my request to get information about this account, they haven't provided me with any documentation or any results from my request I sent to them. Instead, they sent me information that has no agreement or any other information that this items belongs to me. Items I asked for were as follows : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. What the money you say I owe is for 7. Prove the Statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with your license numbers and Registered Agent Still to these day, none of these items was provided to me from Absolute Resolution. Furthermore, I never had an account with XXXX, as well as I never lived in XXXX from which this company show that i lived at and never have lived in. Still Absolute Resolution has not did anything to provide me with the information I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Credit Plus Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Called them to ask if they can take some of the inquires off from XXXX XXXX they told me to get in contact with XXXX XXXX i did and i check up with XXXX   they told me they Submit paper work and when i check with them they said they didnt recieve and now XXXX  is not answering my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: WA
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: Problem getting your free annual credit report

Complaint:
Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.

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 2021-11-08
Company: Bread Financial Holdings, Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX, I requested via certified # XXXX XXXX XXXX XXXX XXXX RESURGENT CAPITAL to cease communicating with me, after which I was contacted several times and I requested any documents bearing my signature that prove I have a legally binding obligation to pay the alleged amount. On XX/XX/XXXX, I received a fake print out and RESURGENT CAPITAL are stating the copies as evidence of my legal obligations. In accordance with the FTC opinion letter from Attorney XXXX XXXX XXXX, I would like to remind RESURGENT CAPITAL that a printout of a bill or itemized document does not constitute verification. 
A copy of any documents, bearing my signature, showing that I have a legal obligation to pay RESURGENT CAPITAL the alleged amount is again requested.

Company response to consumer: Closed with explanation