BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Despite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and compiled ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have communicated with SWC XXXX several times via email and fax regarding XXXX frivolous account that was placed on my credit report. I told them that I do not owe this balance and provided a receipt from XXXX, which state that the balance is {$0.00}. 
I request the account be remove from my credit report effective immediately and they fail to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for Captial One USA . However, Capital One sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as Capital One legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
( 1 ) XXXX SC XXXX XXXX XXXX XXXX, XXXX brought this old credit card from XXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also XXXX XXXX XXXX, XXXX posing as Capital One Bank ( USA ) ; we currently in dispute ( 3 ) XXXX SC XXXX This is XXXX XXXX XXXX, PA posing Capital One ( USA ) ; we are currently in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I paid {$9700.00} for XXXX flights on the XXXX Chase Rewards Credit, and paid an annual fee of {$95.00} for the card. The rewards for doing so were XXXX XXXX  rewards points as per the terms of the cardholder agreement. These were reflected on the XX/XX/XXXX Statement, and Chase indicate that they 'transferred the points ' to the XXXX XXXX XXXX account on XX/XX/2021. However XXXX XXXX have not applied these to my XXXX XXXX account ( Account # XXXX - XXXX XXXX ) and have been contacted 3 separate times over the last 2 months, in addition to contacting Chase 3 times. Customer Service on both sides on each occasion have indicated they will send to the relevant team to resolve and someone will contact me, but no-one has contacted me in more than 2 months. These Avios points are worth more than {$1000.00}, and XXXX XXXX is fraudulently withholding the credit of these points, in violation of the terms of the credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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 applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 understanding is that the XXXX  error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed 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 2017-03-01
Company: Clarity Services
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a hard inquiry report on my XXXX on XX/XX/2017 from Clarity services Inc. This was unauthorized by me. The company illegally obtained my credit report without my authorization. I do n't even know what this company is or does. I do n't know how they were able to obtain social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Equifax continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act TRANSUNION has violated my rights. 

PUBLISHED ACCOUNT # XXXX XXXX XXXX XXXX  XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2020-09-27
Company: EQUIFAX, 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 have previously disputed all reported collection accounts from : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts have not been removed nor have I been provided with the hard copies of verification documents and methods in case this must be litigated against the credit reporting agency. 

On XX/XX/2020 I received online Dispute Results from XXXX  in which 10 entries in total ( 5 ) XXXX XXXX, ( 3 ) XXXX   XXXX, ( 1 ) XXXX XXXX, and ( 1 ) XXXX XXXX XXXX   have been deleted from XXXX. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher determines, after investigation of a referred dispute, that the information either requires correction or deletion, they must report that correction or deletion to each CRA to which they have also reported the information. 

It is not sufficient to simply update/delete with the CRA through which the dispute was made. 

This credit reporting agency is continuing to erroneously report these entries causing me financial harm. 

I am attaching the results of the online dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
My information on my  XXXX  credit report is not accurate.     It shows that I paid late on my mortgage with  Banco Popular  multiple times.  XXXX    XXXX   was the servicer during that time . Banco Popular b egan servicing the mortgage on  XXXX     2015. Th ere are multiple  30, 60, 90 and  120 day lates on my credit from before  Banco Popular bega n servicing my mortgage.     These should not be on my credit. Please verify the date  Banco Popular  became the servicer and if any payments after they began servicing were 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 2020-09-27
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2022-02-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all 3 credit 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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX  AND TRANSUNION STATED THAT THE WAS INVESTIGATING THE BANKRUPTCY THAT THEY ARE REPORTIING HOWEVER THAT IS NOT TRE. 
THEY ALSO STATED THAT THEY VERIFIED IT WITH THE COURTS WHICH IS NOT TRUE. 
THEY ALSO STATED THAT THE VERIFIED IT WITH XXXX XXXX AND XXXX, WHICH IS NOT TRUE. I HAVE CONTACTED ALL PARTIES LISTED. 
MY INFORMATION IS NOT WITH ANY OF THOSE COMPANIES. I WANT THE BANKRUTCY DELETED FROM MY CREDIT REPORT IMMEDIATLEY. 
THIS HAVE BEING GOING ON FOR MONTHS AND XXXX  AND TRANSUNION HAVE NOT DID ANYTHING BUT USE STALL TACTICS. I NOTIFIED XXXX  WITH THE FINDINGS AND THEY REMOVED IT FROM MY CREDIT REPORT IMMEDIATLEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
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 have previously disputed all reported collection accounts from : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts have not been removed nor have I been provided with the hard copies of verification documents and methods in case this must be litigated against the credit reporting agency. 

On XX/XX/2020 I received online Dispute Results from XXXX  in which 10 entries in total ( 5 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 1 ) XXXX XXXX, and ( 1 ) XXXX XXXX XXXX   have been deleted from XXXX. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher determines, after investigation of a referred dispute, that the information either requires correction or deletion, they must report that correction or deletion to each CRA to which they have also reported the information. 

It is not sufficient to simply update/delete with the CRA through which the dispute was made. 

This credit reporting agency is continuing to erroneously report these entries causing me financial harm. 

I am attaching the results of the online dispute with 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 non-monetary relief
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Experian remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.

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 2015-12-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
i activated and created an account on the website XXXX   which is own by blackhawk center and i am unable to log in to the account. when i try to reset the password i get this message " Oops. We're unable to process your request at this time. Please try again later. '' i have called the number provided on the website and i am told that i would receive a email with a link to reset the password but the email is never send. i have money on this card that i am unable to use because i can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I just recently reviewed my credit report and noticed a negative account from XXXX which i have no idea where it came from or how it suddenly appeared on the report. Years ago i had a fraudulent / bogus charge from XXXX which, when challenged was removed from my credit history. I have had no dealings at all with XXXX since around 2009, and the account was closed in good standing as far as i knew. I never received any bills or anything at all from anybody regarding owing XXXX anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10
Company: Farrell Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! 

Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! 

I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! 

Unfortunately some people respond to their harassing behavior like " We will reposess your car if it 's late 3 days if you do n't pay! HAPPENED TONIGHT! I do n't respond to threats! I told every person that I talked to today that I would make XXXX out of the XXXX payments! XXXX XXXX is a supervisor and she told me I 'd better change my attitude because she was the Collection supervisor and she would take our car off repo hold and start repossession action! 
Our loan is 3 days into the XXXX payment! 

We got behind because of the time of the year in our business and Ipaid {$2600.00} in the past 60 days and became current! I would think this should have shown our intentions and capabilities to these Harrassing Collection XXXX ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation