BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX for XXXX XXXX sends me a letter XX/XX/XXXX stating they are suing me for a debt that judgement was made against me back in XX/XX/XXXX. I wrote them and asked them not to contact me again and I looked on the XXXX XXXX circuit court and they resubmitted something to the courts recently with an incorrect date of XX/XX/XXXX trying to re age the debt that has exceeded statue of limitations. XXXX XXXX kept telling me they had no record of what I was talking about and this has been removed from my credit report. I was fired from a job in XX/XX/XXXX because they tried to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: CAINE & WEINER COMPANY, 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:
On XX/XX/2017 XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to Caine Weiner and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : US SM BUS 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 2020-11-01
Company: EQUIFAX, 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:
Equifax is NOT DELETING two items in the credit report about an obligation to XXXX formerly XXXX XXXX for solar energy installation. 
I have informed Equifax that the XXXX XXXX XXXX XXXX is to pay for power generation NOT instalment to purchase and own the two installations. 

I have also informed Equifax that the XXXX Agreement states this : 9. Ownership of the System ; Tax Credits and Rebates.

You agree that the System is XXXX personal property under the Uniform Commercial Code. You understand and agree that this PPA is not a contract to sell or lease the System to you. 
XXXX owns the System for all purposes, including any data generated from the System.

This has affected my credit score.

I am attaching the two docs re Equifax resolution Ironically two others XXXX and XXXX does NOT have this in their report. 

THIS IS THE TWO ITEMS IN DISPUTE WITH EQUIFAX I CAN NOT GET DELETED. 

Installment Accounts Report Date : XX/XX/2020 Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. 

Open Accounts XXXX| xxxxxxxxxxx XXXX {$16000.00} Remaining Balance {$130.00} Last Payment Amount 0 Late Payments 5YRS 5MOS Age of Account XXXX| xxxxxxxxxxx XXXX {$24000.00} Remaining Balance {$220.00} Last Payment Amount 0 Late Payments 6YRS 7MOS Age of Account THE DISPUTE COMPLETION IS ATTACHED. 


I also have a case where their XXXX solar installation does NOT appear in their credit report as an installment account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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:
FACTUAL DATA Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX all inquires ftc 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 2022-10-04
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lockhart Morris & Montgomery contacted me abou a {$120.00} medical bill they received from XXXXXXXX XXXXl date of service XX/XX/XXXX. 

I thought the debt was resolved because I was referred over to the hospital from the Veterans Administration under their XXXX XXXX. They were to pay the bill. The hospital was billing me and I referred them to the VA. I also had the VA rep to reach out to billing department. After that I hadnt heard anything until 5 years later. 

XX/XX/XXXX. Once I received the letter I called and the woman said either pay or we will report you to the credit bureau. I told her I needed to contact XXXX VA because I thought it was paid. Only a few days after me receiving the letter and speaking to the woman I received an alert that a collection item was added to my XXXX XXXX account. 

I called XXXX XXXX and disputed it and they instantly removed it. Then I got an alert a few days later that it was reported to XXXX. So I disputed it again. 

Then on XX/XX/XXXX they lady from this company called me to say they received a dispute from XXXX and she wanted me to know that I still owe them the money. I dont even know these people. This is harrassment. 

First I thought this was resolved 5 years ago and these people seem desperate to collect before new laws go into effect beginning XX/XX/XXXX about medical debts under {$500.00} not being reportable. 

Again this is not my debt. I have good credit and do not have collections on it. They tried to ruin it to strongarm me into paying a bill that was billed incorrectly by the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AR
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:
ONCE AGAIN! EXPERIAN IS FALSELY REPRTING 2 XXXX XXXX BANK ACCOUNTS AND XXXX XXXX XXXX AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED 11 TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.

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 2018-04-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the cosigner on a loan with Nelnet. On XX/XX/17 the primary borrower made a payment to the account for the amount of {$560.00} and received confirmation from Nelnet that the payment was processed. Approximately 3 days later Nelnet informed the borrower that the payment did not go through and that he would need to re-submit, which he did. He again received a confirmation that the payment went through ( and this time showed me the confirmation, which included a confirmation number ). At the time he received the confirmation ( with the confirmation number ), the payment was still within the 90 day window before they would report a delinquency to credit agencies. 

Nelnet replied back to the borrow approximately 4-5 business days after the borrower submitted the payment letting him know that the payment was unable to be processed and that he would need to resubmit payment. What they did not communicate is that they also reported the payment as delinquent to reporting agencies, causing my credit score to plummet. What I feel is wrong about this is that the borrower was actively working with Nelnet to make the payment and received a confirmation number twice indicating the payment went through and yet they have now permanently damaged my credit score as a result. The issue is that they gave us an incomplete picture of the state of the payment ( nowhere in the confirmation image does it mention the payment is still pending and in fact it contains a button that says " print for your records '' which causes the user to think that the payment has completely gone through )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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:
Greetings, I have previously contacted XXXX, TransUnion, and XXXX   informing the company that I have been a victim of identity theft/fraud. XXXX, TransUnion, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, TransUnion, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Goal Structured Solutions, LLC
State: AZ
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 paid in full debt with launch servicing. They bought out the loan so it showed two different accounts then I paid in full. Call the company. Since no one will do it. Cause I disputed it and u guys it stand. I called the company and they said its paid. U guys are not looking into the dispute. I disputed it more than once I will take further action if the correction is not 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 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 received a correspondence letter from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via USPS, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from XXXX XXXX XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ). I, again, received a second correspondence letter from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via USPS, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from XXXX XXXX XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As of today XX/XX/2020 my Chime Checking account is down for the second time this week. Down meaning the App will not work to show me my balance or recent transactions, the funds are not available at all, debit card purchases are down, transfers are down, ATMs are down. Can't access any of my money for the 2nd time this week. It happens at least 1x a month now. Our regulators are just allowing this to happen repeatedly. When was the last time you heard of XXXX  XXXX XXXX or XXXX XXXX  going down for 8 hours? The government would make sure that never happened again because of all the issues it would cause. This is unacceptable. I am going to move my money to somewhere besides Chime but I am concerned about other people who may not be able to do so. Something needs to be done to ensure Chime can't continue to do this to people and affect our lives this way. Totally unacceptable to have a bank system completely crash 1x a month, or in this case, twice this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: TRANSWORLD SYSTEMS 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:
On XX/XX/2020 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, USCB Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did a chat with an Aspire Representative on their website today XX/XX/2020 after making a payment. I chatted with XXXX. At XXXX XXXX  I requested to have my monthly fee waived on {$12.00} due to Covid-19 pandemic and that I am unemployed due to the pandemic. XXXX immediately responds back at XXXX that my request was denied and does not provide me any reasons. I have a good payment history and no of that was even viewed or taken into account. Due to me being unemployed I am working hard to pay off my Aspire balance and having a {$12.00} fee assessed monthly during a pandemic is INSANE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.

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 2020-11-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a unauthorized fraud alert was added to my experian without my consent i never reported any type of identity theft or anything not only a regular alert an extended 7 year alert. I have tried for over 6 months to fix this i have mailed and emailed all the information they have requested to no avail. I am unable to speak to a live representative on the phone I have been unable to add my phone number to my credit report I have had problems obtaining credit because of this but they continue to put inquires that lower my credit score but I keep getting denied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: AMERICAN EXPRESS COMPANY
State: WA
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 or about XX/XX/2019 my AMEX card was scammed by individuals working as independent contractors for several businesses in XXXX, TX. My wife, an authorized cardholder on the account, notified AMEX of suspicious and out of pattern behavior which included police notification at the time. AMEX noted the information but refused to cancel the card. AMEX has consistently refused to provide any reason pursuant to law or internal policies to justify why the request was minimized or ignored. Their published Security and Safety policy contradicts this. Ultimately the individuals who failed to identify themselves as agents of these businesses succeeded in authorizing the card for XXXX dollars in a 36 hour period. Furthermore, the card limit of XXXX dollars was exceeded by XXXX before the card was shut down. The individuals also lifted the information fraudulently from one of the businesses in question and purchased goods online exceeding XXXX dollars. AMEX has refused to provide information as to why the decision was made to allow the card to remain active or why the card was allowed to reach 150 % of it's limit. I have been adversely affected in every area of my life and my previous credit score that was around 800 has dropped roughly 150 points due to this activity. I feel this is a misrepresentation of their Security Policy as well as the stated card limit. Their failure to take the risk seriously although being advised by an authorized cardholder in conjunction with allowing the card to exceed it's limit when I do not have a pattern of such purchases is a complete failure of reasonable security measures independent of the circumstances surrounding the scammers actions. They have refused to even provide the account number, demonstrating intentional acts to deny me the ability to assemble a defense for the activity. The charges make no sense to any reasonable person and I feel AMEX is covering up their own internal security failures. Their cardholder profile allowed the charges to run, by the time they implemented any measures, massive damage was done, the intent of the scammers. This is not actions any reasonable person would define as appropriate and I will not pay the amount because a supervisor made a poor judgment call. 

The charges for XXXX XXXX involve individuals connected to organized crime who threatened to blackmail me, threatened me if I disputed charges, and threatened my family with violence. I will not pay these charges, full stop, period. AMEX has all the paperwork and reports and the scammers on audiotape.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting a XXXX XXXX account it shows a past due balance but of XXXX the account is charged off. 
Equifax shows a past due balance from XXXX XXXX XXXX of XXXX it has also been charged off Equifax shows an open account which is closed and a balance of zero with XXXX XXXX XXXX XXXX, Equifax shows a past due balance of XXXX from XXXX the account is charged off there should not be a past due balance Equifax shows a past due balance from XXXX XXXX for {$550.00} the account is closed and charged off it also XXXX  reporting as 120 days late it should not be reporting at all. 
Equifax shows XXXX XXXX as a charged off account with a reporting balance of {$21000.00} it is charged off there should not be a balance reporting. 
I have sent in multiple request that this be removed to no avail my letters are not being read and handled according

Company response to consumer: Closed with explanation