BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Express Recovery is staring medical debt is owed to University of Utah for care but amount is over {$17000.00} I had insurance at the time and don't see any of it being billed through either policy I had. Even with insurance I wouldn't owe that much because I had an out of pocket max. I have no bills from Uof U or I would've set up on a payment plan as I have with all other medical accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
See documentation from XXXX & gt ; Equifax states that I did not communicate with them. This is not true I have been submitting disputes with documentation for months. It is past the 30 day time frame under FCRA. The accounts with multiple errors should be disputed and barred from re -- adding. 
I have sent Equifax several disputes on these XXXX accounts over several months. They can not say I have not communicated I have sent these online. I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. The account was not on my XX/XX/XXXX Credit file. It was addded after it charged off for my husband. All charge off dates were modified and history in an attempt to re-age the debt. We filed complaints with the XXXX, XXXX, and also, the Attorney General of VA.There are multiple errors on my file. For this account and the other. It has been over 30 days since I disputed this at this point, since the Furnisher is verifying information they know is incorrect I want the XXXX deleted as well as XXXX is evidence of how many times these items have been disputed and though incorret. though I provided evidence they have left it on my file. These items should be deleted. It has been past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2020-12-30
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 information incorrect

Complaint:
Errors from XXXX XXXX XXXX are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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: Account information incorrect

Complaint:
Errors from XXXX  XXXX XXXX are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.

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 2015-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
Errors from XXXX XXXX XXXX  are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.

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 2020-03-11
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Winn law group aggressively started their collection efforts for the XXXX XXXX account back from XXXX which was already stipulated and paid by the client on XX/XX/XXXX. Winn law states there is a law suit and threatened the client to renew legal complaint because they have not received any payments on the account and are demanding a full pay plus legal fees of On XX/XX/XXXX they issued a letter stating that attached judgement is sufficient documentation for debt validation. But failed to attached this judgement with their letter. 
After contacting XXXX XXXX the original creditor, we learned that client XXXX XXXX has NO past due obligations to the bank and that XXXX XXXX does NOT work or assign accounts to Winn Law. Winn law  states their client is XXXX XXXX XXXX XXXX  who supposedly have not received any payments or acknowledges any record of settlement. However, on XX/XX/XXXX XXXX has issued a settlement agreement to accept less than full amount in lieu of resolution of this account. And on XX/XX/XXXX funds have cleared client 's checking account. ( attached proof of payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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: Information belongs to someone else

Complaint:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 consolidated all my XXXX loans and it is still showing up on my credit report as active.

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 2016-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Capital One applied my {$100.00} XXXX 2016 payment for card ending XXXX to XXXX 2016 thus appearing as though I made XXXX payments for XXXX. This resulted in no payments being applied for XXXX 2016 and a late fee. Upon further inspection I noticed another late fee on both of my cards from the beginning of the year. My employer switched from bi-monthly to bi-weekly pay. I am requesting Capital One to reapply my {$100.00} payment from XXXX to XXXX 2016 as intended. I am requesting all late fees on both cards reversed. I am requesting lower APR 's as both cards currently have excessive rates. I am also requesting paper statements as I have not received any statements and therefore been unable to review my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: BARCLAYS BANK DELAWARE
State: NC
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 XXXX XXXX, 2020, a withdrawal of {$100.00} from my checking account occurred per Barclaycard US. I did not authorize this transaction and it is not noted on my online activity statement. I contacted Barclaycard who gave me a Case ID number of XXXX and informed to get proof from my bank showing the withdrawal. This information was faxed on XX/XX/2020 to the number provided. I received a letter dated XX/XX/XXXX from Barclay indicating a provisional credit of {$100.00} was placed on my credit card account. However, the letter also requested additional information such as proof of payment ( cashed check, money order receipt ). Unsure of what additional information I could provide, I contacted Barclay again and was informed that the fax was received and I did not need to send anything else. I received a letter on XX/XX/2020 - dated the XXXX - that the provisional credit was removed as I did not send the required proof requested which required me to make an additional payment, though I paid over the minimum prior to the due date. I contacted Barclay again on the XX/XX/XXXX and was informed that this could not have occurred without my authorization. I was told I would speak with a specialist and was then placed on hold for over 1 hour to speak to someone again. 

I am filing this complaint because I am being ignored by the Barclay for a transaction that I did not authorize. I do not know what more I can do on my end as I have submitted the evidence needed. 

First, my monthly payment was over {$250.00} at that time. So, I would not make a random {$100.00} payment. 

Second, there is no activity on my statement showing an authorized payment of {$100.00} and that this payment was credited to my account. 

Third, I have the transaction statement from my bank showing that Barclaycard US removed {$100.00} on XXXX XXXX, 2020, along with the fax confirmation form. 

Finally, if I did authorize the payment, why is it not on my account? Why was it removed?

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 2016-10-12
Company: KEYCORP
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a XXXX credit card, formerly with XXXX XXXX XXXX which switched to Key Bank. On the switch, I was unable to log on to the Key Bank web site. There was suppose to be a smooth transition. On, Tuesday XXXX XXXX 2016, I was placed on telephone hold for one half hour until I gave up. Today, XXXX XXXX 2016, I was placed on hold for 1 hour and 20 minutes until I reached a rep, who switched me to another rep line, which gave me a recorded message that there would be at least another hour hold time. This is totally unexceptionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: MS
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-30
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2017-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a XXXX XXXX XXXX 2013 from XXXX XXXX dealership in XXXX ga little did I know they changed the agreement i.e. Or capital one because in the agreement it read 25 % interest as I was paying on time payments if XXXX a month I received a call about verifying my down payment and trade yes I gave them a trade a XXXX older model worth XXXX or more the XXXX was XXXX after there fees it went up XXXX or less paid it down to XXXX told them to pick it up the recalls on it got worse wind shield and sensor problems with engine light not going off ca n't get inspections!! It was a volunteer repo not a repossessed they got it listed as such incorrectly on my credit file and refuse to fix that part as well nor refinance or reduce the interest rate before I volunteered said come get it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust decided not to do business with me after months of opening the account then closed the account without any real reason. In doing so they have are holding a cleared check in the amount of XXXX ( # XXXX ). They claim that I now have to recall a cleared check and that I have to go after a customer that the funds were already taken from his account to get my money back. This is absurd. I have almost lost my apt , warehouse, phones, and an employee because of this mess. I have called SunTrust 20 times with the same results and no clear reason they closed my account. They sent a check for XXXX dollar but refuse to send the {$4300.00}. I'm at a loss and this has really put me in a bind financially and this bank could care less. Customer service is a mess, never again will I use a Suntrust bank.

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 2022-10-10
Company: Collins & Hilton Asset Group, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was giving a {$25000.00} cash loan which is now {$29000.00} plus from XXXX XXXX  ( who was funded by XXXX bank ) in XXXX. XXXX XXXX sold my account to Collins Asset Group. I have been calling Collins Asset group monthly and at times weekly since XXXX of XXXX to pay loan off in full. No settlement, and they refuse to take the payment stating that they do not have enough information to take my payment & they suggest I call back in a week or XXXX to see if they files have been updated ( this has been going on for over XXXX years. ) They do not fail to report me to collections on the XXXX of every month to the XXXX credit bureaus. I have been denied a home loan due to this account. I have literally been going in circles begging them to take my payment and mark it as satisfied. This has caused mental agony on my end. This is an attempt to pay off a debt in full, including the interest thats building due to them not taking my payment in full. I have no other options as to what to do at this point. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am in the process of buying a home. They require student loan statements to show my monthly payment, but because of COVID forbearance I do not have a monthly payment or statements since XX/XX/XXXX, and the bank wanted something current. On XX/XX/XXXX, I submitted an IDR  request for the primary purpose of receiving a letter from FedLoans telling me what my monthly payment would be on XX/XX/XXXX. I also assumed, reasonably I believe, that I needed to recertify before payments began again. I was trying to do my due diligence and get the paperwork my bank required. 

A week later on XX/XX/XXXX I called Fedloans and explained I needed documentation urgently. On XX/XX/XXXX they sent me a letter explaining that my monthly payment was and would remain at {$400.00} through XX/XX/XXXX, and I provided this documentation to my bank- it is upon this information that they approved my mortgage application. It was not clear from this letter whether or not Fedloans was still processing the IDR request, and so on XXXX I called and asked to cancel that request. I explained to the call rep that I did not know until receiving the XX/XX/XXXX letter that I was not required to recertify until XX/XX/XXXX. The representative told me it's true that I was not required to recertify and that fedloans would be in touch with me about my cancelation request. 

Not only did I not hear from them about the cancelation request, but on XXXX  XX/XX/XXXX, I received a notification that the IDR request was approved and that my monthly payment would be increasing by {$160.00}. This is the opposite of what fedloans told me via mail on XX/XX/XXXX, and on the phone on XXXX, and differs significantly from what I told the bank. There are borrowers out there like me whose monthly payments will not change until next summer because they understood they did not have to recertify in the normal course of things- why should I have to pay more while those borrowers continue to pay based on what their payment was pre-forbearance? Why should I have to pay more when fedloans represented to me even after the recertification request was made that my monthly payment would remain at XXXX XXXXXXXX/month until next XXXX? Why should I have to pay more when I did not understand I was not required to recertify until XXXX of XXXX? Why didn't fedloans process or respond at all to my cancelation request? I need fedloans to revert my monthly payment back to what it was pre-pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have never received a billing statement from my kohls charge card. I have tried switching from mailed to emailed statements and called on this which I was told there is nothing they can do or dont know why. I get all their promotion emails but cant get a statement. They confirmed my email address and it does not go to my junk folders. I tried accessing through my online account and I am unable to access that account every time I try getting a contact customer service upon contacting customer service I get transferred from person to person and eventually a no name voicemail. I am unable to see finance charges or amounts Im being billed for and the company is refusing to escalate internally to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
This company is in violation of my rights of And has failed to provide details of their reinvestigation

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