BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: NC
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 recieved my cusumer Reports and notice there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I contacted to equifax and asked them to investigate & remove the inaccurate accounts from the consumer report that they are illegally reporting and I requested specifically the original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item ( s ) may not appear on my credit if it can not be supported by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
This problem is the same issue I had with 5/3 bank XXXX. Please reference my previous complaint. I made a transfer from my 5/3 Bank checking account to my 5/3 mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX XXXX. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all 3 major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a few calls to my work phone on XX/XX/XXXX. They were confusing messages with a website left. I looked for the website and company name, they do not exist. They mentioned XXXX XXXX, so I spoke to them and was told no debt was owed. Then, I called the phone number to straighten things out. 

Call 1 : https : XXXX They have no idea why I am even calling, and having issues even pulling up an account for me. Please keep in mind, this is after numerous calls to my work phone and telling them via text not to call or text me on there. Obviously, there is bad language. 

Call 2 : https : XXXX Call 2 ( part 2 ) : https : XXXX In these recordings, I tell them they have not proven the debt is real and the agent agrees on the phone that I do not owe this debt after XX/XX/XXXX. 

I have told them numerous that I do not owe this debt, they agreed that after XX/XX/XXXX the debt would be " written off '' due to state laws of the debt being owed. This is not allowed to be reported onto my credit report or tried to gain recovery for this unknown, unproven debt. It is time barred. 

It is up to them to prove that I owe this debt. They have not done so in over 4 years. I am also not required to update my information with them. I also informed them via phone not to contact my work phone anymore, and received several text messages from them AFTER speaking to them. 

Screenshots of text messages ( these were sent after both phone calls ) : XXXX : XXXX I've never even had an XXXX done on my XXXX, and I have only their word to go off of for what it was for. Any bills from XXXX XXXX XXXX were paid in full, and I have receipts for all bills from them. 

Utah is a one part consent state. These recordings and screenshots are 100 % legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: PNC Bank N.A.
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: Investigation took more than 30 days

Complaint:
After being subjected to a 3 and a half month PNC PEL loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing PNC PEL so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to XXXX  after I disputed to XXXX  that I still owe PNC and that I have not paid them in full. and reporting that I still owe XXXX. I supplied TransUnion with a XXXX statement and they chose to ignore the amounts paid to PNC mortgage to pay them off and still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are 2 inquiries on my TransUnion credit report that I DID NOT AUTHORIZE and needs to be DELETED IMMEDIATELY. 
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I did not authorize these 2 inquiries and I am requesting that they be deleted from my TransUnion credit file. If TransUnion finds that I am remiss, I would like to request that they send me ALL documentation substantiating that these inquiries are mine. I have filed an Identity Theft Statement and TransUnion still did not remove 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 explanation
Consumer complaint received 2021-07-06
Company: ALLY FINANCIAL INC.
State: NC
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 been going back-and-forth in between the credit bureaus and Ally financial as far as correctness problem with an account that is listed as close when in all actuality it is open I have tried to fix this numerous times the dates of the account are incorrect as far as it goes pertaining to the payment history and the current status of the account I have tried to fix this numerous times over the telephone with both the credit bureaus and also with Ally financial

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX  XXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX   XXXX {$860.00} XXXX  XXXX {$830.00} XXXX XXXX  {$1100.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}

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 2021-01-06
Company: PLAZA HOME MORTGAGE, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my first home on XX/XX/XXXX. I was advised to give the loan servicer some time to get their paperwork together on my loan and call mid XXXX to set up payments. I called my loan servicer ( Plaza Home Mortgage ) on XX/XX/XXXX, and I was told that my payments would be due on the XXXX  of each month. I was told to register and account online. So, I registered for an account with my loan servicer ( Plaza Home Mortgage ) on XX/XX/XXXX, and I enrolled in automatic monthly payments the same day ( confirmation number XXXX ). On Plazas website, it said that the first automatic payment would be drafted on XX/XX/XXXX, and that if I had any payments before that, I would need to schedule a one time payment. I scheduled a one time payment ( {$2300.00} ) for XX/XX/XXXX ( confirmation number XXXX ). On XX/XX/XXXX, nothing had been withdrawn from my account, so I called my loan servicer and they were closed until Monday, XX/XX/XXXX, but the automated system said that my payment was past due and I could incur late fees. I went ahead and scheduled another one time draft ( confirmation number XXXX ). I was planning to call Plaza on Monday, but I received a call from an agent stating that my payment was past due. I told them that I had enrolled in automatic payments, and I had also scheduled a one time draft payment. I gave him the confirmation number. He said that he documented and that the loan servicer would not be able to process my payment twice, so I did not need to worry about having two payments drafted from my account. I looked at my account on Tuesday, XX/XX/XXXX, and Plaza withdrew two payments ( both for {$2300.00} for a total of XXXX ) from my account. I called 8 separate times on XX/XX/XXXX during their normal business hours, and I could not get through to anyone. I called again XX/XX/XXXX, and I spoke to an XXXX XXXX She was empathetic but said that there was nothing she could do and she was unable to get me to a supervisor. I believe Plaza is trying to collect extra payments in order to get more interest from my loan. I need help in resolving this issue. I need to know if my money is being applied to principle or if my additional payment will push my next payment back one month. No one from Plaza can give me any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Kriya Capital, LLC
State: ME
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:
Caller would not identify where they were from. I asked several times and told the gentleman that if he would not identify where or what he was calling about, I would not speak with him. He finally said that he was calling to collect a debt from XXXX XXXX XXXX. I asked him to send me a bill and that I would take care of it. He said that he had sent one in XXXX and continued to tell me that since I was on the phone I should pay him now. The beginning of the call was uncomfortable to begin with. I do not trust giving someone that refused to identify himself in the beginning any money over the phone. We went back and forth several times and I was cordial and firm asking him to please send a bill so I could take care of it. He threatened to add it to my credit report. I am not denying that I owe a debt, I just asked the gentleman, if he is with XXXX XXXX XXXX, to send me a bill and I would pay it. I take responsibility, but I do not feel like I deserve to be threatened and harrassed. Unfortunately, I was diagnosed with XXXX XXXX in XXXX and was in the midst of an XXXX XXXX regimen that lasted until this month. That is no excuse, but this debt obviously slipped through the cracks. I just don't believe that I deserve to be treated this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
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:
I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
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:
Ive contacted XXXX numerous times over the past few months about inquiries that does not belong to me and they have denied me of deleting them even after they told me I was a victim of their breath. Also Ive had a collection removed from my other reports however XXXX is refusing to remove it

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 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2018 XXXX  ran another Hard Inquiry on my credit report without my permission for the thrid time. I went to the doctor office to schedule my dental procedure then received a alert stating they made a hard inquiry. 

I call there number provided XXXX and asked why did they submit another inquiry accessing my credit report without permission. I was transferred to four different departments and was told since I couldn't prove it was them that made the inquiry I have to file with Transunion. This is Four Hard Inquiries from the same bank in two months that they claim it's not there doing so I'm left with a rapidly dropping credit score do to them breaking the law and violating my consumer rights. I want proof you had permission to continuously run my credit and Transunion to allow without stating the reason it was checked. This is such XXXX! So know here I am filling another dispute! 

Sincerely XXXX off and tired of constantly filling complaints about these two companies. This is ridiculous!

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 2021-07-06
Company: State Collection Service, Inc.
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 believe this collection company called State Collection Services Inc. violated the Fair Debt Collection practices act by attempting to collect a debt, which should be covered by my insurance 100 %. The collection company attempted to collect a debt using an automated service or robotic form of contact, by Text message, which occurred on Friday, XX/XX/2021. I had called the company and asked for a statement of charges, which has alluded me to believe that XXXX XXXX XXXX XXXX  shared my personal medical information which is located in Missouri violated my right to medical privacy under HIPAA. I do not owe the debt, and I will also like to include that I called my Insurance company, on Friday, XX/XX/2021, and they stated that XXXX XXXX never submitted the claim to my insurance. The collection agency stated that my insurance paid a portion and maybe I should call my insurance. My Insurance company has implicitly stated that XXXX XXXX never sent the claim to be paid. The collection agency also lied to collect a debt. I believe these are unfair practices and should be dealt with immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Williams, Alexander & Associates, Inc
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from, +XXXX ( XXXX ) XXXX-XXXX  today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was XXXX XXXX and they have no record of me on file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Your illegal activities are a violation of UCC law, FDIC policy, and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have been fighting with Chime about my funds since XXXX of XXXX. They closed my account due to me receiving a refund from XXXX. I originally made a XXXX purchase in store which I used my gift card and put the remaining balance on my Chime debit card. When I returned the purchased item a few days later I no longer had the gift card and XXXX  simply returned the full amount to the debit card on file which was my chime card. That prompted chime to suspend my account and ask for information which I sent them the receipt email that XXXX sent me to show that I was the person supposed to get the refund to my card! As well as all other verification measures! They still did not accept and stated I had to send the information to XXXXXXXX XXXX I contacted the XXXXXXXX XXXX who stated they had no knowledge and didnt suspend my account at all. I have continually reached out to Chime in every way and they refuse to help. Half the time they will not speak to me on the phone they say I have to email but they dont respond aside from a automated email response. Again this has been months and the people in customer service are non helping. I need my money I dont want the account anymore after seeing how they do business but I also dont want to keep being given the run around when its been months and I am in financial turmoil in this pandemic!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
This company continues to report inaccurate information to the three credit Bureaus and are reaging accounts. It is against the reporting requirements of the FCRA, Section 623. I have disputed this information several times, contacted the headquarters and requested the this information be corrected and deleted from my credit file, yet they refuse. After further research, I have questioned the validity of this account and all the inaccuracies in reporting. I have attached copies of my credit report that show the following inaccuracies : -On XXXX  there is no account number, no payment history, no original creditor info, just a balance of {$170.00} -States Delinquency first reported as XX/XX/2018. Account was reaged as this has been on my report for years -Reported as open on XXXX , closed on XXXX  . 

In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements plus the IP address if it was online, and total outstanding balance you believe I owe or remove this account from my reports. My next steps will be a complaint to the Attorney General as well as my lawyer as this has affected my score for some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.

Company response to consumer: Closed with explanation