BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Io, Inc.
State: VA
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:
Date of service was XX/XX/XXXX with XXXX XXXX. My primary insurance is XXXX, secondary insurance is XXXX. I received numerous bills from XXXX XXXX which I responded to immediately. I sent them the explanation of benefits from my secondary insurance stating that my patient responsibility was {$0.00} but they continued to bill me. I tried numerous times to contact their office during posted business hours but they were closed. Finally on XX/XX/XXXX, I spoke with someone in XXXX XXXX  billing office. I was told that XXXX XXXX did not accept the contractual write off from my secondary insurance because my primary insurance did not have a contractual write off. This information was false according to XXXX XXXX an XXXX representative through Human Resources where I am employed. She spoke to XXXX XXXX on XX/XX/XXXX and was told I have a XXXX  balance. However, XXXX XXXX had already turned this bill in to a collection agency who in turn sent a notice to the Credit Bureau. I have very good credit and I was being bullied into paying XXXX XXXX  money that I did not owe them. It is not fair to me to have this incident on my credit report and I would like to make sure this reporting is removed from my record. Someone should also investigate the billing practices of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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 is missing that should be on the report

Complaint:
See attatched XXXX  CREDIT REPORTED Account XXXX opened XX/XX/XXXX Date Reported XX/XX/XXXX. Kindly Note Account History is MISSING FRAUD INFORMATION I REPORTED TO XXXX  XX/XX/XXXX. ( HISTORICAL ACCOUNT INFORMATION IS OF XX/XX/XXXX * ONLY. ) See attatched XXXX  LETTER XX/XX/XXXX XXXX  DID NOT APPROVE MY FRAUD CLAIMS BEGINNING XX/XX/XXXX BUT DID NOT REPORT THE TRUTH TO EQUIFAX. see attatched Criminal Investigation Letter XX/XX/XXXX of the deliveries NOT MADE XX/XX/XXXX FORWARD. WHY ISN'T THE TRUTH REVEALED? XXXX  REFUSED TO PROVIDE WRITTEN PROOF THESE ITEMS WERE PURCHASED BY ME AND DELIVERED INTO MY HANDS?? XXXX  REFUSES THEN DESTROYS MY CREDIT WITH INACCURATE INFORMATION. PROVIDE ACCURATE REPORT OF HISTORY & WRITTEN PROOF OF PURCHASE AND DELIVERY INTO MY HANDS OR DELETE IMMEADTELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: ORG GC GP Buyer, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While checking my credit report XX/XX/2022 I noticed a new XXXX. G C Services opened an collections account on XX/XX/2022. They listed it with the credit reporting agencies. As of XX/XX/2022 I have not received any communication from with company. I have not received any thing in the mail or by a phone call. 

On XX/XX/2022 at XXXX I contacted the G C Services via a phone call and spoke with a guy named XXXX XXXX He told me " we were hired by XXXX XXXX to collect money. '' He gave a phone number to contact XXXX XXXX 

XX/XX/2022 at XXXX XXXX I contacted XXXX XXXXk who told me " the account is closed and that the bill is not in my name. That I was on the account as a user. That they don't have my social security number to collect money. '' XX/XX/2022 at XXXX I called G C Services and spoke with a female who " Sir I can't talk to you about this account, The account is not in your name ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed XX/XX/2022 with no explanation of there is no way of contacting chime bank I had a checking account with funds in it a savings account with funds in it also a credit line with funds in it in attempt to get my account open again or funds released they dont respond to emails or Answer questions Ive allowed the 14 days to pass but I still have not gotten an answer despite numerous emails

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an IRA at US Bank, and they issue account statements for my type of IRA account only once per year. 


I 'm trying to close this account and transfer the money in my US Bank IRA to an IRA that is held by a different financial services company. I 'm working with the other company to complete the transfer process. To complete the transfer, the other company requires a statement from US Bank that is dated within the past 90 days. This requirement seems reasonable to me. 

I recently spoke with a US Bank representative by phone, and I also visited a branch several weeks ago. US Bank considers my months-old account statement to still be the current statement, and says that I 'll need to wait until my next yearly statement is generated, which will happen months from now. US Bank refuses to give me a current account statement that is dated within the past 90 days. 

As a consumer, I believe it is my right to receive account statements more frequently than once per year.

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 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kohls has written me 30 day onto my credit report. i have never missed a payment and set up auto pay, kohls has yet to fix this and said it was not there fault. I have never missed a payment and always have been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted a clerk at the court and I was informed that they not not provide or verify information with credit reporting agencies. Transition claimed to have verified with the courts, the three bankruptcies reported by TransUnion. But that is a lie because courts do not provide or confirm information with credit reporting agencies. The clerk provided me with another set of court documents that I have attached to the compliant that proves these bankruptcies were filed fraudulently in my name. The documents clearly state these three bankruptcies by case number so there is no confusion as to what I am disputing and why. I have tried several times to resolve this issue with TransUnion. Please hold TranUnion accountable for reporting false information on my credit report even after I provided documentation. Please review the new documents the court clerk provided me. Again, I am submitting the compliant for TransUnion to remove these bankruptcies.

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 2017-03-09
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Medical Data Systems recently reported a medical collection on my credit report. Prior to the appearance of this debt, I never received my notice of my right to dispute.

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 2015-12-08
Company: Nations Recovery Center
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nations Recovery Center did not notify the credit reporting agencies after I settled with them on XXXX XXXX, 2015. I am looking to refinance my car and because they did not report payment to the agencies, my credit has not improved. Today 's date is XXXX XXXX, 2015. 

I have repeatedly called them and they just leave my call on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2019 I contacted the company in regards to XXXX bankruptcy this is on my report and asked the method of verification and also for proof of verification. I received a letter stating the information was verified through a third party company called XXXX XXXX where they purchased my information. This alone is a violation of FCRA and USC laws. These laws state that i have the right to privacy meaning i did not give them authorization to report this information on my behalf. FCRA 623 ( a ) ( 5 ) states that if the credit bureau cant validate the information with the ORIGINAL CREDITOR they must remove the information from my credit report. Also be aware that NO COURT IN THE U.S.A. VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECEIVING THIS TO VALIDATE THIS OR REMOVE IT

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 2021-06-22
Company: EQUIFAX, INC.
State: LA
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:
These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019, XXXX XXXX contacted me to pay off a very old credit card. 
I informed XXXX XXXX that to the best of my knowledge the debt had been paid off years ago. 
They told me no, still owed the debt ; no offer of proof that they had. 
I told them that I was not going to pay the debt again. 
Now they call me 1, 2, or 3 times a day. 
I now refuse to answer their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Regulation E claim regarding XXXX debited from my account from XXXX XXXX on XX/XX/2019 was denied. This was a nearly XXXX dollar charge that was not flagged by the TD Bank Fraud department. I live in a large apartment building with hundreds of other residents so my address is not unique, despite the fact that my address was used as evidence to deny my claim. 

TD Bank claims that they were unable to contact me ; however I called back the contact person at TD Bank on four separate occasions and never heard back. 

In addition to all of this, I received a letter stating that my temporary credit would be final and the claim was ruled in my favor. This is a clear case of corporate greed where a consumer is being taken advantage of by a large bank. In the future I will take my concerns public with social media so that other consumers do not fall victim to this mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
In violation of FCRA, the above mentioned credit report by Equifax , a section of " Inquiries that are not considered when evaluating your credit worthiness '' contains name of the following companies, to which Equifax disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt despite OPT-OUT : Company Information : XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Information : XXXX XXXX XXXX : XXXX XXXX Information : EQUIFAX INFO XXXXCompany Information : XXXX, XXXX Information : XXXX Information : EQUIFAX INFO XXXX Information : XXXX Information : XXXX should EXPLAIN & PROVE the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via PUBLIC platform/for COMMERCIAL purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Paid account in full - XXXX XXXX. XXXX reporting bogus balance. Consumer disputed the information with Equifax and received back the results on XXXX/XXXX/2016 that account was verified as paid in full. 
On XXXX XXXX, 2016, XXXX reported a bogus {$500.00} balance to Equifax. Consumer disputed this balance and remembered that Equifax had did an investigation back in XXXX XXXX, 2016, and found this account to be paid in full. I called Equifax and requested an immediate deletion, but both the phone rep and XXXX supervisors stated that XXXX has a right to place a bogus balance and that I would have to wait 30 days for verification, even though Equifax had already verified that the account was paid in full. This is totally illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Winklevoss Exchange LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am another victim of the theft of crypto assets from an IRA account maintained on XXXX XXXX XXXX. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I again received a letter regarding a account which I have asked them to show me a signed credit application and they fail to do so. They request I pay {$2500.00}. I have no recollection of this account. At the bottom of this letter it states " The law limits how long you can be sue on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit agencies as unpaid. 


I have requested three times they prove this is my debt. I get notice back asking or telling me they are not sure what I have asked for. I have clearly asked for a signed application of this debt. I did not take out this card. I have no idea about this card. I have asked them to stop since they fail to show me that proof.

However again today the letter has arrived. I want this gone. It is a old a debt. It is not even one they can seek money for as it is over the limitations. I have no proof it is mine and the fail to show. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: SC
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:
I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have no knowledge of any of these accounts.

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 2016-04-22
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016 I was charged a total of {$680.00} by XXXX car rental agency. My final charge per my rental contract was only {$230.00}. After being unable to reach a resolution with the merchant I contacted my bank for assistance. They have been of very little assistance thus far and have yet to reach a favorable conclusion regarding my overcharges amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was approved by Chase Home Loans, for a loan modification with a fixed 2 % interest rate for the life of the loan. My modification agreement began in XXXX and stated it was to continue through XXXX. I have several mortgage statements stating that the 2 % interest rate was through XXXX. Until about 4 months ago I received a statements saying my interest rate would increase in XXXX. When I wrote Chase and sent them copies of the terms of my modification, they never responded to me. In XXXX of XXXX, I received a letter from Chase stating my loan had be sold to XXXX and that Chase would no longer service my loan after XXXX XXXX, XXXX. The letter also stated the NEW INCREASED Amount of my mortgage payment and the NEW INCREASED Interest rate of 3 % beginning XXXX XXXX, XXXX, when my loan transferred to XXXX. When I logged back on to my online account with Chase, I noticed that where it normally showed my Interest Rate change to be effective XXXX, it now showed XXXX. I reviewed online statements from XXXX XXXX back to XXXX XXXX and they had all been changed to show an interest rate change effective XXXX, however, I have original statements from Chase showing the original Interest Rate effective change date of XXXX. 
This is blatant FRAUD committed by Chase and then they sold my loan off to another mortgage servicer to try to escape their fraudulent activities. I have experienced numerous fraudulent actions by Chase concerning my mortgage. This issue is fraud and Chase should be held accountable for their fraudulent actions! 
Please contact me regarding this matter and help me to rectify this wrong-doing and hold Chase accountable for their actions. I look forward to hearing from you to move forward with this review, where I can provide documentation proving Chase Bank 's fraudulent actions. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I would like for someone to review my modification documents for two reasons. 1. I do not believe I received a fair mortgage modification due to the amounts being deferred and calculated and 2. They are requesting amounts outside of my modification agreement. 

My loan servicer has recently changed from XXXX XXXX XXXX to Shellpoint Mortgage and {$2500.00} is now appearing on my monthly statement as being past due. When I asked what is this amount, I am being told by the servicer, it is advanced corporate fees. 

I have enclosed a copy of my modification agreement and I do not see that amount in it. I have a previous complaint you can refer to for additional information. My complaint number is # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a ring in kay jewelers in XXXX  all around XX/XX/XXXX for a XXXX  present. The ring fit big and my husband decided that he wanted to return it. On XX/XX/2019 I physically went to the store and return the ring. At first they stated that they would return the amount to my credit card account with commenity. After a month I got a bill from genesis for {$800.00} ( amount paid for ring ) I immediately called kay and they said that they issue me a refund for it. I checked my comenity account and I had a positive balance on mu favor for {$800.00}. Since then, mid XXXX, I have been calling kay to tell them they credited the wrong account/company and they said I have to contact comenity. I contacted comenity and they stated they could see the positive balance on my favor and they would send me a wire transfer and I gave them my bank info and they gave me a confirmation number. After few days I called comenity again and then they said they do not do wire transfers anymore but they will send me a check for the {$800.00} balance in my favor. Here we are middle XXXX and still have not received a check and the other company, genesis, it is still charging me, I have not paid because I have not received the money from comenity, for it and treating me to report negative info to my credit report. When I have called comenity I always get the same answer that I will get check in the mail but have not get anything yet. I have spoken to at least 7 people including three supervisors. Please assist me with my issue I am desperate and not sure what else to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation