BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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:
I recently filed a dispute with the credit reporting agency regarding wrong ( incorrect ) information on my credit report and it has been well over 30 ( thirty ) days and I havent received any investigation results.

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 2022-08-17
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Was never served proper paperwork before judge let them win in money judgement. Never Receive garnishment paperwork to contest the garnishment. They never validated my debt to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: MI
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:
Both Experian and XXXX are reporting an item on my credit report which does not belong to me. I have brought it to their attention several times and taken every possible measure to prove the account does not belong to me and they have not made a single attempt to remove the item or assist me with the matter. The item I am referring to is listed as XXXX XXXX XXXX on my report and it claims that I owe a balance of {$7000.00}. I have never had an account with this company nor the supposed " original creditor ''. I don't recognize either of 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 2020-01-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX, Ohio XXXX Cell : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX, Chairman, President and CEO Huntington Bank XXXX XXXX FL XXXX XXXX, Ohio XXXX Dear XXXX XXXX XXXX, I sent you the enclosed 2 letters but my issue with Huntington Bank remains an open issue. I have been speaking with XXXX XXXX of Huntington Bank with no resolution to my problem. XXXX XXXX  phone number is XXXX. I want to know the name of the Huntington Representative that calls on XXXX XXXX XXXX. The dealership gave me a 5 year loan on a car loan that I didnt need and didnt want. I didnt qualify for the loan because I am a retiree and I had two homes that I owed were foreclosed. I was scammed and charged thousands more for the XXXX XXXX XXXX and your company approved the loan. I received several notifications from other Banks that I wasnt approved for a car loan. My last car that I had my Mother had to sign for because of my bad credit when I lost 2 homes. That loan was made thru XXXX XXXX. Since XX/XX/XXXX, I have paid {$25000.00} for this car which was only worth {$22000.00}. The car is only worth about {$17000.00} at this time. Since your company makes loans why dont you make the appraisal on this car? Huntington Bank believes I still owe over {$5000.00}! 



I would not have bad credit if I didnt loss {$650000.00} when 2 of my homes were foreclosed. This was because I was scam by a nonprofit XXXX that stole over {>= $1,000,000} from the VA and didnt pay me any rent that they owed to me and they didnt exercise the purchase of the home after they received all this money from the government. They were allowed to write me over {$300000.00} in bad checks and then they were allowed to steal my home from me. Please contact XXXX XXXX, Ohio Attorney General so he can prosecute all these people who scammed me, a retiree. 



Huntington Bank was also scam when you spent {>= $1,000,000} for the naming rights of XXXX XXXX XXXX. XXXX  XXXX XXXX has most of the conventions. XXXX is one of the worse cities for a convention. 85 other cities in the United States rank higher than XXXX for conventions. The XXXX XXXX XXXX that has your names attached to it is a ghost town with no conventions. If you want me to represent you and try to get Huntington Bank a large refund from XXXX County who scammed you I am willing to do this for you for a small commission. 



Looking forward to hearing from you regarding my requests. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently filed a dispute with the credit reporting agency regarding wrong ( incorrect ) information on my credit report and it has been well over 30 ( thirty ) days and I havent received any investigation results.

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 2022-01-25
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

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 2022-01-25
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX, 2022 I sent Debt collector, Receivables managements Systems, a cease and desist and demanded that they only contact me through mail. I stated precisely that no other mediums of communication were allowed, especially through consumer reporting agencies. The letters was delivered XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO EXPERIAN, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

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 2015-03-19
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Debt was is not owed and listed under XXXX of XXXX and I am on XXXX and all labs are paid for each visit and I talk to lab first and they said all my debt was paid in full, but the collection company Medical Data Systems Inc wo n't take this off my credit report and I have called them to get them to call the creditor and they want do it and I ca n't get them to do their job by checking information correctly because it appears on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 a written request was sent to the following company inciting that inaccuracies on my credit report in the form of inquiries be researched and vetted for fraudulent activity. The inquiries were not made by myself and done in the case of identity theft. I've submitted several police reports and supporting documentation, and the response received from the company was invalid. I would like this issued rectified immediately.

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 2016-02-29
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our Landlord, XXXX XXXX, wrote a letter in XXXX 2015 and told me and my fiance that we owed them an amount of money that was incorrect. We had no security deposit. Our lawyer wrote to XXXX XXXX and the person XXXX XXXX, our lawyer spoke to at XXXX XXXX agreed the amount owed was incorrect. She agreed to send another letter with the correct amount owed by us to our lawyer. She never heard from XXXX Properties again, and nor did we. In XX/XX/XXXX we received a letter from a collections agency. We did not immediately respond to the collections agency because we had already had a run around with the landlord. My fiance did tell the collections agency that we were represented by an attorney. The collections agency reported this alleged debt to the credit agencies before we ever were able to agree or disagree about the corrected amount owed with our landlord. Our attorney wrote to both the collections agency and the landlord regarding the laws that they had violated and neither has responded to our attorney at this time.

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 2020-01-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
ChexSystems continues to report incorrect information regarding various accounts that have been settled or paid-in-full. This reporting has impacted my ability to obtain credit or checking. 

I have attempted to correct this with the agency numerous times.

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 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I am filing a complaint over some unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX I do not have any of these financial products and I do not wish to have a account with these companies please delete them they are errors and I never signed any documents.

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 2022-08-05
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My bank is Chime. I paid a security deposit in the amount of {$2700.00} on XX/XX/XXXX for a rental property, but the individual I sent the money to is not the owner. I tried to dispute the transfer with Chime, or have the amount refunded, ( today, XX/XX/XXXX, ) but the bank is saying the transfer is not eligible for any of these things. I did NOT receive the goods I paid for ( a rental home. ). This payment was made fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from Citibank. This was the first time I was notified of this and right now, I am unemployed, so I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in  XXXX   XXXX   XXXX , Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.

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 2020-08-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Midland Credit ManagementXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and Midland Credit Management Inc Address : XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Calls my phone numbers every few hours daily. They have called family members and neighbors. They have sent a mail regarding an alleged debt to a family member 's home address. 
They call from Arizona, via the phone numbers XXXX XXXX constantly. 
I have no signed contracts or dealings with this company at all. I never have had financial dealings with this company. I am not indebted to this company. 
I want an immediate to cease and desist. Do not call or send any letters to me or anyone they assume I know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}

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 2022-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has reported late payments on my account for incorrect months in the past. They have even listed my date of last payment incorrectly. This account reporting inaccurately is hurting my score with mortgage lenders. 

Also, payment status is incorrect as this account is no longer late.

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 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I was in business with a company, over a year ago I stop doing business and the account with the merchant. I realized they were still charging my card. I reached out to capital one and started a dispute they sent me documents to fill out and return which I did. They didn't take any action I asked to have that merchant blocked from accessing the account they not, tried to get the issue resolved with no solution they refused to protect the account. I had to freeze the account on my end so they can get to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16
Company: Trans-Fast Remittance LLC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2017 I send mony to one of the agent TRANS- FAST REMITTANCE LLC.I send {$1100.00} to XXXX. the problem is mony did n't arrive when I check the bank in XXXX it should minutes only but now it almost 4 days .. I call the customers service they said it was cancel by the agent .. I try to call the agent but they never answer the phone .. I 'm so upset already coz I need to pay bills in XXXX

Company response to consumer: Closed with explanation