BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is charging me for the full amount of my emergency visit after failing to bill my state insurance that would have paid all of it. I called twice and was assured that it would be billed properly and it never was. I contacted my insurance and they never received anything from them. The debt collection agency they are using is not being helpful even though it have proof from my insurance company that they never billed them and they have my insurance information on hand. They told me they would list it as disputed but instead they listed it as a valid debt without providing any proof that they have done their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.

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 2020-06-30
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: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX {$300.00} Inquiries : RENTAL PROPERTY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : 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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX, and XXXX XXXX, XX/XX/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 2019-08-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: WELLS FARGO & COMPANY
State: MA
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 which is with Wells Fargo originally. It is with XXXX XXXX now I paid in full XX/XX/XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called wellsfargo on XXXX XXXX  2017 they said to call XXXX XXXX to do it. XXXX XXXX said the opposite that we 'll fargos has to update it because they were the original lender.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ma 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 2020-06-30
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is calling me every day for my sister-in-laws debt. They have been told we do not speak, and my cell phone they are calling is for XXXX emergencies as I am a XXXX. I do not know how they got this number, and it is effecting my practice. 

Most recent phone calls were : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, voicemails on XXXX at XXXX XXXX etc.

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 2017-08-07
Company: JPMORGAN CHASE & CO.
State: MI
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 HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. XXXX XXXX XXXX-UNAUTHORIZED- HARD INQUIRY- X/X/17 CHASE CARD-UNAUTHORIZED- HARD INQUIRY- XXXX/XXXX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems has put a {$160.00} debt on my credit report that is not mine. It is in my daughter 's name, she was XXXX at the time, and it was in a state that I haven't lived in since XXXX. The debt is for a hospital visit in XXXX and is under my daughter 's name. They are saying that I am the responsible party, however there is no reason why I should be responsible for this debt as my daughter hasn't been on my insurance since she was XXXX. Additionally, I called the hospital that this debt came from and they don't have that I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: SUNRISE CREDIT SERVICES, INC
State: MI
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:
We had numerous debts from purchasing clothing for my mother. The extra fees continued and we voluntarily closed the accounts. The accounts were sold and we still make payments to the companies monthly. They were harassing me so I sent cease communications to each one. However, we are now notified that this collection agency bought all 4 accounts. XXXX, XXXX, XXXX, XXXX XXXX. I do pay them monthly but directly to the XXXX XXXX. I am not paying a collection agency that continually calls. My wife and I are XXXX XXXX XXXX on low income.They keep calling, using several variations of numbers several times a day, even though we had previous cease statements on here.

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 2020-12-08
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an Equifax Data Breach. I demand to delete those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: DE
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 noticed a few accounts on my report I do not recognize

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 2020-12-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/XXXX I attempted to open a checking account at Chase Bank at the XXXX Ohio Branch located on XXXX XXXX. I was allowed to open the account and make a {$25.00} deposit. A week later I attempted to make a deposit and was advised that my account was closed. The branch manager advised me that I was not able to open an account because of fraud and a past due balance on my account. My account was closed and I had to wait three weeks to receive my deposit. I did however, attempt to pay the balance but was turned down by the branch manager. 

Upon further investigation my account was closed in XX/XX/XXXX due to a negative balance. My account was never investigated for fraud. I never received any correspondence related to the closure of my account or a notice related to a charge off. 

On XX/XX/XXXX I contacted Chase to inquire about opening a new account. XXXX, the Loss Prevention representative who handled my call advised me that I was unable to reopen my account due to fraud. He advised me that I wrote a check on my account in XX/XX/XXXX which resulted in the check being returned. I disputed this and asked to speak to a manager. 

I spoke to XXXX who identified herself as a manager with Chase Bank NA. XXXX stated my account was not closed due to fraud. XXXX stated my account was closed because of a negative balance that resulted in a charge off. XXXX also stated there was a check written for {$400.00} that was returned but it was not determined to be fraud. XXXX reassured me that fraud was never a reason nor should it have been mentioned for the reason Chase Bank NA closed my account and ended its relationship with me. XXXX stated Chase Bank decided to restrict my account and not do business with me. 

I requested a letter from Chase Bank NA explaining why my account was closed and was denied. XXXX stated she could not provide me with the letter. 

I requested a copy of the {$400.00} check that was returned on my account and was denied. 

I requested an explanation as to why I am not permitted to do business with Chase Bank NA and was denied.

I was advised that Chase Bank NA was exercising its right to not do business with me. 

Chase Bank NA has denied me the opportunity to reconcile my relationship and restore my relationship with the bank. 

Consumers should be given an opportunity to restore their relationship with a major bank. 

Chase Bank NA is engaged in defined, deliberate actions against XXXX American and other vulnerable consumers who traditionally are blocked from doing business with major banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been contacted by Berlin Wheeler regarding a debt for the XXXX Clinic. My current doctor is in that office. I have been contacted several times by phone. I have asked for validation of this debt. This has never been provided. I have an account with the Clinic and make monthly payments on the account to XXXX Clinic. I have told Berlin Wheeler that I will not pay them, also not to contact me by phone.
I have asked for verification several times, but have yet to receive it. The calls continue, nothing in writing has been provided. Also, if this is reported to my credit bureau, I will file suit against XXXX  Clinic and Berlin Wheeler for FCRA violations.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX , XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2021-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing will not give us an accurate principal balance on our loan. The took over our loan in XX/XX/XXXX and the payment history report we received shows the loan balance is going up and not down. We have asked several times for assistance and we continue to get documents that are not helpful. Our loan is currently underwater and it could be due to this issue. The original loan was {$72000.00} in XX/XX/XXXX and now the Servicer states that we owe {$76000.00}. SLS is not reporting our loan to the credit reporting agency either. We have never modified or refinanced this loan. The property value is currently only {$40000.00}.

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 2020-09-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have been having an issue with Equifax in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 HSBC Bank USA, N.A Dear HSBC Bank, Basic Checking Account # XXXX HSBC PlatinUM Rewords Card XXXX Select Credit Account # XXXX I opened basic checking account on XXXX XXXX with proper documents and XXXX applied Credit card and XXXX Select credit account. ( Approval letters attached ) I spoke with XXXX XXXX Fraud Security Centre Today Your bank recommended to closer my account due to security concern. 
I am so disappointed provide me hard time opening and closing accounts. I felt this is discrimination. 
Please provide me all details why my account closing even I provided proper documents And also Please removed following my credit inquires on my credit profile at XXXX  XXXX XXXX and XXXX XXXX - Removed my accounts all 3 credit be agencies. 
- Refund my checking account balance Thank You .. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1700.00} from my employer and my Chase bank is too slow to release the fund. I was told that it will take next month to be cleared. THis is too slow for an employee who lives paycheck to paycheck. With the new laws that enacted that allows electronic copy of checks for easier and faster transaction, how come it will take that long still ( more than a week or so )? I called the loss and prevention department and talked to XXXX ( customer representative ) and even though the funds were already taken out from my employer 's bank account it is still not being released by Chase Bank. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have debt collectors requesting payment me as a result of identity theft : - Convergent Outsourcing Inc - ACC # XXXX - BALANCE - {$3200.00} - OPENED XX/XX/19

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