BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: Alorica Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls from Global Receivables Solutions , Inc. regarding an outstanding medical bill from XXXX XXXX in the amount of {$4800.00} from a hospital stay in XX/XX/XXXX. The calls started mid-XX/XX/XXXX. In early XX/XX/XXXX, I returned the telephone call stating that I could afford to pay {$25.00} per  month as I am only working at a temporary job through a temporary agency. I was asked about how much I paid for mortgage, car insurance, and automobile insurance. I answered. I also was asked how much I brought home per month in salary and I told the person. I said that I could send a money order monthly for {$25.00} as that was all that I could afford. I was then put on hold and anther person insisted that I pay the total amount but at a reduced rate. I then stated that I do not have that kind of money. I was asked to pay the hospital bill with my XXXX card as the person knew exactly how much I had left for charging on the card. I said no. The person then said well then pay with your XXXX XXXX XXXX and said how much money I had left that I could charge. I said no I will not put anything on my credit card. Then I was asked to borrow money from someone that I knew and I said no. I said to that I would be able to send a {$25.00} money order monthly. I was put on hold again. The next person asked me to purchase a prepaid debit card, pay at least {$100.00} on it and then send $ XXXX monthly. There is no way that I will remit monthly payments on this debt as it would be a scam to just send money via a prepaid XXXX card. That does not make any sense and would be very dangerous. I then sent a cease and desist letter via certified mail.

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 2020-06-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Amount of debt : {$730.00} The address is different from XXXX XXXX  XXXX XXXX, MI XXXX ... .another address XXXX XXXX XXXX XXXX , SC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: CA
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:
I have inquires on my consumer report that i did not authorize, or give these companies permission to obtain my credit report. there are well over XXXX inquiries reporting. This is crazy because it is hindering me from getting any new credit, it's hurting my mode of living.

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 2022-04-01
Company: LEXISNEXIS
State: FL
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed itemd several times, along with proof to support my claim and they still refuse to remove inaccurate items. Now they refuse to dispute the items anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: American Credit Acceptance, LLC
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:
American Credit Acceptance I had covid last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with XXXX XXXX and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX, I opened a secured credit card with Capital One current amount {$600.00}. Never had any late payments or over limit. Capital One provided free credit monitoring. In XX/XX/XXXX I opened a secured credit card with XXXX XXXX who checked my credit. Capital One credit monitor sent an email stating there was a change in score. On XX/XX/XXXX, I received email from Capital One stating they were sending a new card XXXX XXXX with a tracking number that showed the card had been sent to an address in Maryland. I have never lived in Md. or used an address in Md so I immediately called Cap. One. They said my old card was closed and not to use it. I could not log in online to make payments as usual. They reported the Md. address to all three credit bureaus. I talked to three people one of whom directed me to go a bank and call back. When I called back from a bank I was told to send in a utility bill to prove my address. They could have said that on any phone. On XX/XX/XXXX, I replied to the XX/XX/XXXX email and told Cap 1 to close the account and to send payment statements by mail. A few days later I received in the mail from Cap 1 addressed to me a solicitation to open a new account Towards the end of XX/XX/XXXX I  called to make payment and spoke to gentleman with heavy XXXX accent who refused to accept payment due on XX/XX/XXXX. On XX/XX/XXXX, Cap 1 credit monitor alerted me to change in score. I learned my score went down XXXX points because Cap 1 reported 30 day late payment.I believe Cap 1 did all of this because I opened an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need a letter documenting that a refund from XXXX on XX/XX/XXXX was returned to them because the debit mastercard was closed. XXXX issued a refund on XX/XX/XXXX which posted XX/XX/XXXX for {$1100.00} for a cancelled flight. The transaction details for the refund are : ARN XXXX, TX XXXX. Wells Fargo acknowledged receipt of the refund in a telephone call to the claims department dated XX/XX/XXXX and denied a request to dispute the original charge from XXXX XXXX XX/XX/XXXX ) because a refund had already been issued. 

However, I have not received a cent for this refund and am concerned the funds could have been misplaced by Wells Fargo, or that a refund to XXXX was lost. Please issue an official letter documenting that the refund from XXXX was returned to XXXX because the debit card was closed.

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 2021-02-11
Company: CAINE & WEINER COMPANY, 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:
I have sent numerous letters to this company attempting to get to the bottom of the debt that appears on my credit report. i never had an account with XXXX  or caine & weiner so i had no ideal where this account came from. I would appreciate your help in contacting them and retrieving a copy of the contract ( if one so exists ) that states this company and I have business together. Please, as this is an issue that has been haunting me since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-09-12
Company: Experian Information Solutions Inc.
State: CA
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:
delete these hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: CO
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:
1. I purchased airfare tickets on XXXX XXXX for {$2200.00} on XX/XX/XXXX 2. The airline cancelled the flight XX/XX/XXXX and failed to refund my money 3. I disputed the charge and Chase sent me a decline notice on XX/XX/XXXX and XX/XX/XXXX stating that I cancelled the flight which is false 4.Chase has failed to honor their " purchase protection '' motto after XXXX  failed to refund my money after they cancelled ALL their flights due to the pandemic. 
https : XXXX 5. I am requesting my money back for a purchase that I made but did not cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld systems keeps contacting us despite a debt of {$610.00} not being owed by us and being taken care of. They keep calling and sending letters and keep telling us they'll take us off their list but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX I am filing a complaint with the Attorney General Office against Credit Acceptance Corp. After they repossession the car and sale the car my deficiency was {$9500.00} which after all the money Credit Acceptance collect on the car I do not own them a dime .The principal was {$13.00} the car sold for {$4600.00} plus {$6500.00} from GAP .They respond to the complaint about the car dealer I was filing in XXXX and close the case, but the did not answer the complaint about rip off and over charge and they add almost {$3000.00} on top the {$9500.00} please help me out .The only thing I ask for these people to take this thing out off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CAVALRY INVESTMENTS, LLC
State: CA
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:
There is a hard inquiry on my XXXX  report from Cavalry Portfolio Serv XXXX XXXX XXXX XXXX, AZ. Date XX/XX/2016. I did not authorize anyone from this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
After moving to XXXX  from XXXX selling our house, and after waiting to clear all the outstanding bills in XXXX of this year I asked Capitol One to send the remaining {$10000.00} to my new address or to XXXX XXXX. Since closing my account I talked to robot ( 5x ) and 11 live people but I am still waiting for my money on which I was counting during my retirement. At least they all ( except the robot ) were very sorry and thank me for my patient, but no money. 
First they said the they sent it wrong address and since did not came back, I will have to wait three months to make sure nobody cashed it. Then on XXXX they made a new check but was undeliverable ( sent to XXXX instead to XXXX where I live ) and returned to Capitol One. Third attempt was also returned, but I do not know why because the never gave my the XXXX tracking number. After the third attempt they said that they will send me an affidavit to fill out and send it back. That also never came. I asked to send me an email, which they failed to do. It seems very suspicious, because before asking for my money they were sending me mane promotional materials using USPS and email. 
Please, contact the XXXX Capitol One, XXXX XXXX XXXX, because he may not be aware what is going on in his bank. I tried, but I am not important enough to answer my letter to him. It is possible that this delaying tactic is done on behalf of the bank or maybe some individuals are trying to get rich on my account. 

Please help me. I need that money as soon as possible. 

Thank you, XXXX XXXX XXXX. If you need additional information, I will be happy to supply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: SC
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:
Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been over 35 days later and I have yet to receive a response. I feel that I am being taken advantage of and ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts become deleted or I will file litigation due to the stress you caused me. 
My information was also impacted by the XXXX XXXX data breach. Where the names and Social Security numbers of alumni and applicants have been exposed after someone gained unauthorized access to an employees email account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Experian Information Solutions Inc.
State: IL
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 know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using  the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com  requested I fill out a paper request and send i n the US ma il along with documents proving I was who I said I was ( copy of  XXXX , Driver 's License, pay stub ). All three credit agencie s (  XXXX , Experian, and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in. Experian finally gave me my credit report after satisfying identity verification.  With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports throu gh the US mail, I was able to dispute online that same address. But now, with  XXXX , they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of   XXXX   items that they required to prove my identity, one of  which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent   XXXX   extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitiv e documents three tim es is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?

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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX FL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation