BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a XXXX dollar deductible and XXXX dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this ha

s since been corrected and the claim has been paid, leaving no patient responsibility. our files show that although you are not the network provider, your claim was  submitted indicating you agreed to accept assignment. therefore, you have agreed t
o accept the XXXX maximum allowable charge as payment in full. the beneficiary is
only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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:
Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Experian. Experian you did not have permission to furnish anything on my reports, I did not give my consent to allow you to do so. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Experian was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions for experian to furnish anything on my 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 2018-01-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX a letter regarding account XXXX asking to verify and validate account. I was notified that the account was verified but no proof of documents in original form with signatures. and no proof of a fair and thorough investigation per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine XXXX and transunion have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them 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 explanation
Consumer complaint received 2018-01-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I feel i should be credited the {$25.00} i used to open this account. I am a struggling mother that was trying to get a loan so that i can manage to pay my bills until i am back steady. Now that i gave my information to a fraud lender thinking that i was going to get the loan, being that it was my first time applying for a loan online, I owe TD BANK over {$500.00} and that is money i dont have right now to even pay try to pay back. You can already see i was trying to get a loan to pay other bills. I was contacted by a fraud lender, told me i was approved from XXXX XXXX XXXX for {$10000.00} told him i only needed {$3000.00}, proceeded to tell me to go open a new checking account because my XXXX XXXX account was too overdrawn. So i opened to account with TD BANK and from there everything went down hill i didnt here from this fraud lender after i gave him my online banking info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-20
Company: CARMEL FINANCIAL CORPORATION, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL. I know the person that lives there and the person gave me the letter today. I asked Midland Funding to STOP sending me letters threatening me with a lawyer or possible lawsuit. My identity was stolen and I dont have any account with XXXX XXXX. The person who opened the account put a different name, MY NAME IS NOT XXXX XXXX XXXX ; that means that is not mine and I didnt authorized it. Moreover, Im asking this company to STOP any type of communication with me or my family member before I put a lawsuit against them for harrasing me. Lastly, this company has a lawsuit against them for signing affidavits illegally and fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Credit Karma, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had few of inquiries affected my credit to low credit that which they told me that will not affect of inquiries to my credits until I was checked my credit scores and I found out that I had many inquiries. No wonder I cant get approval for buying first time house. I am learned about it for inquiries. Please helping me to remove the inquiries out from my credit scores. So I can buying new house with my first time. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account # Phoenix Financial XXXX I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have placed this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My provider is Navient. They have been ridiculous to deal with over the years. I despise having them service my loans. Their website is unfair and deceptive and I believe purposely set up to make it difficult to figure out how to apply for a payment repayment program, forbearance, or deferment. I have been struggling to make my payments, but am single so my income artificially inflates my ability to make payments. I finally figured out how to contact Navient in XX/XX/XXXX of this year and was told the round about and difficult way to submit a forbearance request. They approved my request through XX/XX/XXXX. It is now XX/XX/XXXX and they are reporting me past due to the credit bureaus. When I log into my account, they show I have a payment due in XX/XX/XXXX. Not only do I have no payments due because of the forbearance, they never sent me a statement via mail or email to advise me of an upcoming payment in XX/XX/XXXX. Had I received such a statement, i would have contacted them immediately regarding their mistake. Now my credit has suffered a hit. They are in violation of Regulation Z for not providing a statement, FCRA for inaccurately reporting on my credit, and UDAAP for their terrible website as well as causing harm by incorrectly reporting my credit and not providing me the ability to prevent that harm due to their FCRA violations. This servicer of loans is absolutely terrible and I can not stand doing business with them. I hope that the CFPB will take a look into their unfair practices, but, as of right now, I want my credit fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I set up a payment plan with Portfolio Recovery for an XXXX XXXX account on XX/XX/XXXX. Amount due was {$480.00}, payments to be withdrawn from my rapid refund account every two weeks in the amount of {$40.00} starting date XX/XX/XXXX with final payment in XXXX. The first payment was withdrawn in the amount stated above, but then I received a phone call on XX/XX/XXXX at XXXX from Portfolio Recovery stating they did not show any information of a payment arrangement being setup. I received another phone call on XX/XX/XXXXat XXXX, reminded the caller that the calls they place are recorded and they needed to go back in their archives and review the information that was set up on the XX/XX/XXXX. 

Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: NC
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:
Equifax announced the cyber security incident one of the largest in history unauthorized data breach occurred from mid XXXX XXXX- XXXX XXXX. The incident was discovered by equifax XXXX  XXXX. My data was breached from mid XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Innovative Funding Services, L.L.C.
State: WI
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:
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Innovative Funding S Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions Innovative Funding S Inquiry from XX/XX/XXXX + Auto Financing Innovative Funding S Inquiry from XX/XX/XXXX + Im contacting you because I do not recognize any of the inquires .. 
I did not apply for anything on these dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to get my free credit report from Experian after I was denied a credit card because of a false item on my credit report. After I tried to log into my Experian account several times, it gives me a failure error, cancels my attempt and states a phone number to call. After I call the number the automated system refuses a live agent connection, states I need to use the Experian website and disconnects call - several times.

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 2019-07-20
Company: EQUIFAX, INC.
State: TN
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 has been over 6 months that I have submitted documentation to Equifax to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax keeps telling me its one account but I can not verify myself. equifax continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed disputes for removal cause of missing information from credit rating, amount paid, balance incorrect, and incorrect account number

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 2018-01-14
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX, I attempted to purchase a tribe membership with XXXX ( {$190.00} ) using my Chase Visa card. Payment was declined. I thought I might have mistyped my account information, so I reentered my information and tried to make the payment a second time. Payment was also declined for a second time. I eventually gave up and used my XXXX card to make the payment. I received an email receipt from XXXX that same day which clearly states that the payment was made using the XXXX card. 

When I got my XXXX statement in early XXXX, I saw that Chase billed me for the two unsuccessful payment attempts to XXXX. XXXX confirmed via email ( dated XX/XX/XXXX ) that they only received one payment for this transaction, the one on my XXXX for which they previously sent me a receipt as stated above. I immediately submitted a dispute for the two transactions ( attachments were not allowed ). Soon after ( date unknown ), I received a phone call from Chase and was verbally told that they would issue a credit for one of the transactions because it was clearly a duplicate charge. That credit appeared on my XX/XX/XXXXstatement issued in early XXXX and is the only credit of any sort that has been issued to date. I was also told that I would need to provide a copy of my XXXX bill via their online email interface to validate the payment via XXXX before the second XXXX charge could be credited to my account. I provided a copy of my XXXX bill ( Email dated XX/XX/XXXX ). Chase contacted me again by phone in XX/XX/XXXX ( exact date unknown ) and claimed they never received the copy of my XXXX bill, so I resubmitted it ( Email dated XX/XX/XXXX ). Both emails are still available in my Chase mailbox for them to review and Chase has sent confirmation of the receipt of both emails. 

As stated above, Chase has only refunded one of the two erroneous charges. They have refused to refund the second charge ( letter dated XX/XX/XXXX ), claiming that they talked to XXXX and XXXX confirmed that they were paid for the XXXX membership. This is true ; however they were paid by XXXX, not Chase. Furthermore, their rejection letter indicates that they intend to reverse the credit they previously issued so that I will still be charged for BOTH erroneous items even though XXXX never received either payment. 

This is all deliberate theft by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a representaive from Synchrony Bank on XX/XX/23 and have been inundated with multiple calls from several different numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, etc. Upon callback I discovered that every single call was from Synchrony Bank even after I have withdrawn consent to be contacted on a recorded line. Times of each call reported below. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft

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