BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
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 sent numerous debt validation notices to XXXX XXXX XXXX they say I owe XXXX, I never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved 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 2019-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unauthorized inquiries on credit report were disputed and were not investigated nor removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, NCB MANAGENT SERVICES INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX   XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CORELOGIC INC
State: MI
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:
The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
CREDCO being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.

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 2021-10-14
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please remove an account that has been reporting for 7 years on my credit file it is a direct violation of my consumer rights. It is your obligation to report complete and accurate information. I feel I am being discriminated against with my prior complaints. I get automated responses and immediately close the prior cases. I forwarded these to consult. The account XXXX XXXX  XXXX # XXXX I have attached a letter and the account that is currently reporting.

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 2020-09-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear Sir/Madam. 

On XX/XX/2020 I applied to Citi Bank for a Citi XXXX XXXX Mastercard account, I was denied. The same day they emailed me a letter for the reason, most notably to me was the information was wrong. Their practices are misleading and deceptive, it is obvious in the letter they sent and what XXXX   shows. 

First they said my credit score is XXXX with XXXX and that is not the case at the time of Citi hard credit pull it was XXXX, it is now XXXX because of their pull. 

Citi says I have too many credit inquiries, I have on record two with XXXX one is two years old and the other one is theirs. 

These are totally inaccurate almost if not discriminatory in nature, I checked my credit report immediately upon receiving the citi email XX/XX/2020 I checked my credit score with XXXX and their score for me based on the same date XX/XX/2020 was XXXX as you can see the file I have attached. 

Had Citi informed me that they use old credit agencies reports I may have done things differently thus would not have a hard pull on my file. 

The phone number they gave in the letter to me is only an automated system noway to address any question to a person as stated in the 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 explanation
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2017 XXXX XXXX XXXX, Capital One Auto Financing is a wrongful hard inquire on my XXXX credit report. Also, Capital One Auto Finacing appears on my XXXX   also. I contacted XXXX  and they said that the inquire is to old to summit anything to the company so I have to contact them directly to get a letter of deletion. I told XXXX   the company said they cant locate any application on file to see that they ever did business with me and will not send out anything but will respond if the XXXX sends them something. So Im getting the run around and this company is in XXXX Ohio I never been there in my life. This company has 3 separate hard inquires on my report. I just want these items deleted its going on 2 years but its affecting me trying to get my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I always paid my card on time and my credit limit was decreased. I was never late on payments. I received a letter stating that my credit limit was decreased from {$4000.00} to {$2500.00}. This also severely impacted my credit score. 

This was with Barclay ( 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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please remove an account that has been reporting for 7 years on my credit file it is a direct violation of my consumer rights. It is your obligation to report complete and accurate information. I feel I am being discriminated against with my prior complaints. I get automated responses and immediately close the prior cases. I forwarded these to consult. The account XXXX XXXX # XXXX I have attached a letter and the account that is currently reporting.

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 2019-06-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned 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 2020-02-18
Company: CITIBANK, N.A.
State: FL
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/19, purchased a dining room table in the amount of {$1100.00} from XXXX XXXX ( XXXX, FL location ) using my Citicard. Company delivered furniture on XX/XX/19 in damaged condition. Per company 's policy, I immediately took pictures of damage and filed a claim online ( claim # XXXX ). Over the next two months, the company made 3 separate appointments to repair table ; only to not show up ( or even call to cancel appointment on two occasions ). Simultaneous with complaint, I notified Citicard that the charge of {$1100.00} is being disputed until the table has been repaired. Citicard issued temporary credit. When XXXX XXXX was unable to repair table ( or even show up to do so ), they appeared at my house without notice on XX/XX/19 to pick up the table. I then received a copy of a memo from XXXX XXXX ( ref XXXX ) advising " credit memo to pick table up. '' However, apparently XXXX XXXX never coordinated that credit memo with Citicard. 
Citicard issued a memo on XX/XX/19 advising " regrettably, we are unable to assist you with this dispute. '' I sent a detailed letter to Citicard at their XXXX XXXX, SD address ( only address supplied by them ) detailing the nature of my complaint and again requesting their assistance since they reversed the credit to my account. Never received a response to this memo or my other written communications to them. Citicard is now showing me in arrears for the {$1100.00} charge plus accumulated interest. Note that I always pay my credit card balances in full each month and have an excellent XXXX credit score. 
I subsequently cancelled my long-held Citicard ; yet, they still are showing me with an outstanding balance. Sincethe table was picked up by the vendor, a credit memo issued but not acted upon, why are they not crediting my account in full? It is impossible to receive an answer from Citicard other than " you have to deal with the vendor directly. '' Needless to say, the vendor -- XXXX XXXX -- does not respond either. 
If you want copies of the multiple letters and memos, I can furnish them.

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 monetary relief
Consumer complaint received 2017-11-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am responding to your contact about collecting a debt. I have been receiving mails from MIDLAND FUNDING LLC to collect debt of an amount of {$710.00} and identify the debt as from XXXX. 
However, the information provided in the letter is grossly inaccurate. 

I vividly remember acquiring the XXXX debt in 2012, but that debt has been closed according to my credit report at the time. Furthermore, I am not aware of any purchase of that amount as I have never purchase anything over the amount of {$400.00} on credit, except for cars or housing. This collection on my credit report has significantly lowered my score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: JPMORGAN CHASE & CO.
State: OR
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:
I opened a checking account with Chase in XX/XX/2015. They offered a Freedom credit card. I felt like saying no thank you but they made it seem like id be crazy not to use the rewards program as it would be money in my pocket. I agreed and trusted the process but but but not realizing that the more you spend the more u get back was sooo not true. I used this card for everything and rolled over the rewards to the card hoping the rewards would help but it did not. This account is now closed. I contacted them and they put me on a plan to pay it and I told the guy I could only afford {$50.00} per month. He said he couldn't go below {$90.00}. He set it up and now it has 5 late payments. When I try to pay the {$50.00} I can afford they won't accept it. This card balance is {$4100.00} with {$350.00} per month. Oh and I never requested the credit limit to be increased either. It just happened ... like it was a good thing! And if they would not have done that maybe I could have gotten a grip on the card once I realized the reward program was a way to keep a big balance leading to more intere $ t. Not a reward at all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
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:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-02-18
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: Account status incorrect

Complaint:
I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

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 2019-05-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid this debt a month ago and they refuse to remove it from my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, Experian and XXXX. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?

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 2017-11-12
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
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:
Banco Popular of Puerto Rico is currently listing a Foreclosure on my Credit report incorrectly. 
I attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but XXXX will not based on Banco Popular non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
in XXXX of 2021 i went for a FREE consult at XXXX  gym. i signed up for monthly membership fee of XXXX a few days later i was notified that i was having emerg XXXX  XXXX. i notified the gym that i would be cancelling the membership until further notice. they continued to bill me. i emailed them and they refunded the monthly fees charged. then i noticed recently that on XX/XX/2021 i was charged for a personal training session that i never had or scheduled. I tried to contact the gym. no response this time. i disputed the charges with chase bank on XX/XX/XXXXand i was credited the amount of XXXX on XX/XX/2021 the funds were debited from my account once again. i am being charged for a service that i never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

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 2021-10-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation