BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT ACCOUNTS ON MY CREDIT REPORTS. I HAVE YET TO RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE XX/XX/2022 30 DAY DEMAND DATE XX/XX/2022

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES BECAUSE OF INACCURATE ACCOUNTS ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

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 2016-10-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016 I went into Chase located at XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, to make a credit card payment. I originally gave the teller {$800.00} cash along w/my credit card and ID. Then I changed my mind and told the teller just to pay {$700.00}. So the teller filled out the payment slip originally w/ {$800.00} then changed it to {$700.00}, had me initial where the changes were made then sign the slip. She gave me a receipt and my {$100.00} back. On XX/XX/XXXX I realized there had to be something wrong w/my account as I always pay my bill and rarely leave a balance. So after several hrs of trying to figure out where the error was I realized that the {$700.00} payment was never posted to my account. I called card services and they credited my account, opened a case and told me to fax over the receipt that was given to me. On XX/XX/XXXX, I went into Chase and faxed a copy of the receipt. I saw the credit as soon as I logged onto my account on XX/XX/XXXX. But then on XX/XX/XXXX or XX/XX/XXXX I saw my account very high again so I looked online and could n't find why until I scrolled all the way down to XX/XX/XXXX transactions their I saw that the {$700.00} credit was taken away. I called Chase and was told I was sent a letter in reference to the credit ( I have not received it at all ). They were not helpful at all they told me to go to the branch and discuss it w/the manager. So I went into branch and spoke to XXXX XXXX who told me she was aware of my situation and that she did n't understand what went wrong. But I left the bank w/her telling me she will get back to me as I told her I was going to go to the XXXX XXXX police dept. to file a report. I did just that the report # is XXXX, I was told that a detective will get in contact w/me and I 'm still waiting. I 'm a single XXXX mom and {$700.00} is n't something I can afford to repay again. Therefore I was advised to contact CFPB and I 'm praying that this matter can be rectified as soon as possible as I do n't need this on my credit report. I will also be contacting the Office of the Comptroller of the Currency ( OCC ) along w/Legal Services ( CFPB ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an outstanding late balance with Bayview of {$1800.00}. ( Actually from ocwen ) On XX/XX/20 I paid late charge balance of {$1800.00}. I have the canceled check as proof. On XX/XX/20 Bayview issued a  statement ( attached ) ) and indicated it was not paid. I called customer service and asked if they could update the account on. XX/XX/20. The representative apologized and said there was nothing he could do. I also asked him for a copy of my escrow statement and he was also unable to send the document. I looked for the document online and there was no copy. Im requesting a review of the escrow account as well as update the payment of {$1800.00} Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Moneygram closed my account due to their risk model, but refused to provide an explanation as to why my account was flagged as high risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently notified about my social security number being on the dark web. As such i pulled my credit report from each bureau for review. I found a debt collection on my XXXX report ONLY from a company called Armada Corp for {$250.00}. 

I filed a dispute with XXXX and reached out to Armada. Armada could not give me any information about this debt without asking me to confirm personal information about myself or account. I stated repeatedly that i do not have an account with them. They seemed more interested in getting money from me than looking into my fraud dispute. 

I reached out to XXXX and they requested i send them a copy of my drivers license, social security card in the mail. When i mentioned not feeling comfortable putting those sensitive documents in the mail the agent applied pressure by reminding me that its affecting my credit report and it will take 7 years for the item to drop off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've written a formal complaint about a debt to XXXX university that was to be waived. Ability Recovery never contacted me after my dispute yet filed a collection on my credit bureau. Check my credit, I have XXXX collection accounts. I 'm buying a new house and they were destroying my credit score over a debt I formally disputed, in writing, as they instructed me to do when I called. They would ONLY accept a mailed letter and refused a fax our email. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 Section 4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
CAVALRY PORT having on collection since XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for XXXX since XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XXXX and reported as XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts and credit inquiries currently listed on my XXXX, Experian, and XXXX XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX, {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I spoke with a US Rep that was assisting me with removing the inquiries off my report. During the phone call the she ( rep ) was confirming which inquires needed to be removed and the call disconnected. I called back and waited 30 minutes to get another US Rep on the phone. I explained to the rep that answered my call that the previous US Rep I was speaking with was deleting unauthorized inquiries and if he can continue to assist me with request. He told me he could n't do it. I, then advised him again that the previous US Rep was already in the process of removing the unauthorized inquiries. However, he did not care and did not assist me with removing the authorized inquiries, even though the previous US Rep was willing to help before the call dropped. I also advised that I have fraud protection on my reports due to fraudulent inquiries that were not authorized by me.There are 13 unauthorized inquiries from several companies : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX , XX/XX/XXXX and lastly XXXX XX/XX/XXXX. None of these places had my authorization to pull my credit or anything related to this matter.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: PR
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$2000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-09
Company: EQUIFAX, INC.
State: CO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2018-07-25
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine & Weiner entered into an Independent Contractor Agreement ( Agreement ) with County Medical Services Program Governing Board ( Governing Board ), effective XX/XX/XXXX. The Agreement required Caine & Weiner to promptly undertake the collection of accounts placed with [ Caine & Weiner ] by the Board for purposes of collection, and to use diligence [ in doing so ] ( Agreement, Ex. A, A. ) The Agreement also required Caine & Weiner to use its best effort in providing collection services on all claims assigned for collection. ( Agreement, Ex. A, B1. ) In XX/XX/XXXX, over {$4.00} XXXX in accounts were placed with Caine & Weiner for collection. Caine & Weiner did not make any effort to collect on the accounts in clear breach of the Agreement. In fact, it took until XX/XX/XXXX, nearly six months from when the accounts were initially placed, for Caine & Weiner to inform the Governing Board that they were not going to provide any collection services.

Caine & Weiner claims the accounts placed by the Governing Board did not include provider addresses, which allegedly prevented the initiation of collection efforts. However, this argument fails as XXXX XXXX, Chief Operating Officer of Caine & Weiner, acknowledged in an email dated XX/XX/XXXX, that he worked through the first file of accounts and found 1,200 provider addresses using Caine & Weiners own resources. These 1,200 provider addresses account for approximately one third of all accounts placed with Caine & Weiner. In addition, each of the accounts placed with Caine & Weiner contained a National Provider Identifier ( NPI ) number that allows a  provider address to be located by a simple XXXX search. The Governing Board also provided Caine & Weiner with provider addresses for each of the accounts at issue upon learning of their claimed inability to collect on the accounts. 
Caine & Weiners failure to promptly undertake the collection of accounts constitutes a breach of the Agreement. The Governing Board attempted to resolve this dispute directly with Caine & Weiner through a meet and confer process as set forth in the Agreement. Caine & Weiner participated in a conference call with the Governing Board on XX/XX/XXXX, but has since failed to respond to any subsequent communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management has made attempted attempts to collect on debt that does not exist with my current mobile phone provider. CRM is refusing to release information unless I release PII to an unidentified resource. All accounts are current and there are ZERO late/missed or defaulted payments on my credit. I can provide full payment history on account. I would like to proceed with any legal action at my disposal through or in partnership with any government organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX university is trying to charge me for a Pell grant overpayment of {$210.00} from XXXX which has affected my credit report in a negative manner. It has reported 37 late payments in XXXX. Never getting this information to me before that I needed to pay. I shouldnt have to be held responsible for a grant overpaying that the school sent to me on their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company sent lawyer papers and called my work at XXXX XXXX My boss name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX And with the covid-19 disaster in my City this credit is hindering my life at the moment I sent captial one certified mail, called numerous of times and they well not get back to me to work out this debit that is incorrect and mailing my job is risking me to get fired

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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 XXXX is reporting a late payment on my credit profile and has not complied with the dispute and documents provided to show account was paid with thirty day time period from due date. I have disputed with XXXX directly also and have not heard anything from 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 2022-04-09
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I bought {$800.00} of XXXX through Paypal, hoping it would increase in value. It went below what I paid for it so I decided to sell. Paypal will not let me sell my XXXX. I have spent countless hours on line and on the phone with Paypal reps, and have been given a dozen different reasons why I am not able to sell my XXXX. I am not new to the world of XXXX and or online trading. Their online system conveniently hits dead end after dead end in the process of trying to sell the XXXX. And customer service says its all my fault. I call XXXX on that. In view of the many ongoing lawsuits against Paypal for this type of behavior, I believe its all a scam to steal my money. 
Their latest claim is that my cell phone they want me to use for account verification is in my wifes name, and that is not allowed. They want me to buy a new phone in my nameXXXX XXXX I was told by another rep that the cell phone has been authenticated by paypal and should work just fine. But agter 3 days of trying I still can not sell my XXXX, and paypal reps refuse to come up with a solution

Company response to consumer: Closed with explanation