BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX I received a Property Tax Delinquent Notice, I called my mortgage company BSI Financial Services and was informed that a tax disbursement should have been made in XXXX of 2020 but was not and was then told that an expedited request had been submitted to resolve the issue. Fri morning XX/XX/XXXX I called XXXX XXXX Tax Office ( NC ) to let them know what had happened. They told me that BSI Financial Services would be responsible for the interest also. I then called BSI and was told that yes they would pay the interest, I was also informed that my taxes should be payed by Monday XX/XX/XXXX. 
I called BSI again on Tue XX/XX/XXXX and was told that my case was still under review and that it could take up to 3 to 5 business days to complete, I told them this was not acceptable as the deadline to have the payment made is the XXXX of XXXX. The last person I spoke with named XXXX told me that she would call me today ( XX/XX/XXXX ) and let me know what was going on. As of XXXX there was no call from XXXX, so I called them ( BSI ) again. Once again being told that they were " talking '' to the people in the Tax department, then was told that my Property taxes we're not late ( yet I have a delinquent letter in my hand ). The response I Kept hearing was " it's still under review, or we're working on it ''. Mind you the deadline is Fri XX/XX/XXXX. I was told that I would get a call back within an hour which would be around XXXX EST. I called BSI back around XXXX EST and the lady told me that a disbursement was made on XX/XX/XXXX in which I corrected her. Was then connected to the lady I spoke with earlier and was told to give her until tomorrow morning ( XX/XX/XXXX ), I told her that was unacceptable to which her response was that " all managers had gone for the day ''. So here we are XXXX EST on XX/XX/XXXX and my property taxes are still NOT paid, and a deadline of XX/XX/XXXX. 
I told her that she has until noon tomorrow ( XX/XX/XXXX ) or I will pay the taxes myself and seek restitution via legal action. There are currently 98 NEGATIVE reviews on this company with the latest one also involving non payment of property taxes. 
My 2020 property taxes were due in XXXX of 2020 for XXXX plus interest of XXXX for a total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2023 a letter was sent to Transunion via USPS tracking # XXXX XXXX XXXX XXXX XXXX. They signed for the letter on XX/XX/2023. The letter informed them that an account list on my credit report from XXXX XXXX  was not mine and that they needed to remove the account. On XX/XX/2023 Transunion sent a letter to me via US Mail that said they DELETED the XXXX XXXX  from my credit report. I then sent 2 more letters demanding the DELETE the XXXX account and the have failed to do so.

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 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Capital One Auto Finance are reporting an account as open when it is in FACT closed and included in a bankruptcy in XX/XX/2018. I have disputed this erroneous information and it keeps coming back verified. This account is severely dragging down my credit score. I have now been turned down for multiple loans and business credit that I desperately need to survive and feed my family because of this incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card statement cycle closing date was XX/XX/2023. I paid my entire balance off on XX/XX/2023. Wells Fargo charged me {$16.00} saying that I paid a day late. This is extortion and I want a full refund. When i called them to have it reversed because i paid 4 days before the statement closing date, they said the system wouldn't allow them to change 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 monetary relief
Consumer complaint received 2019-07-10
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Since the beginning of this year, Regions bank has deducted {$5700.00} in fees from my accounts which I feel have been excessive. I fell on some hard times financially and I admit that my accounts got overdrawn. However, over {$5000.00} in fees has caused me to keep being overdrawn thereby causing additional fees. It is a viscous cycle that I have no way to rectify. I am on a XXXX  income from Social Security and can't put enough money in my accounts to overcome the {$5000.00} + in fees. 

I have called customer service, written a letter to the bank, complained on their messaging system and they have given me token refunds ( {$400.00} ) which does not address the real problem. If I continue to get fees, I will continue to be overdrawn. If I had the $ 5000+ in  fees back in my account, I would obviously not be overdrawn. I feel Regions is being unfair to me and is not willing to address the real problem.

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 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, XXXX is erroneously reporting my creditscore as XXXX when in fact my credit scores are XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) I tried to contact Capital One bank at XXXX and asked to speak to XXXX ( a company that provides creditscore on the Capital One Bank app a lady at a call center answered.Intially, she said XXXX gets info from 3 major credit bureaus, then when I told her what the 3 credit bureaus scores are at this moment, she gave a useless excuse and just hung up. 
She appeared to have no knowledge that XXXX, XXXX and XXXX are the three major credit bureaus. 
Also, she later said do not worry about XXXX, it does not matter. 

Then why is XXXX claiming to give the consumers using CapitalOne bank app their accurate creditscore? 

The incorrect information ( low credit score ) on XXXX must be immediately corrected because it is negatively affecting me as a consumer. 

I request CFB to help me fix the the error by contactingCapital One and XXXX. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX  # XXXX**** Bal {$4200.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX BAL {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2023 I made a deposit with a 3rd party cheque, which I had full authorization from sed 3rd party. The 3rd party endorsed the cheque, I ( account holder ) forgot to endorse before the deposit of the cheque. I then called chase immediately to express the situation at hand. Chase assured me once the 7 days have passed and the cheque was clear there will be no issues. Chase has now took the hold off the tender seeing that it isn't fraudulent, and now put my account in restriction. When I called Chase to ask why the restriction?, Chase expressed to me that they need to verify that the 3rd party gave me the cheque, which in due fact is not a problem for me to do. now their process was to give them the 3rd party phone number to verify, I gave them the phone number and they said because it is not a number on public record it can not be verified. I asked what is the process Chase expressed that they verify the number then make the call. Chase then expressed to have the 3rd party call their phone company and have them put the 3rd name in public records. After that was done chase was still unable to verify the number. you can not go in the bank to verify anymore which is absolutely ridiculous! I will be reaching out to chase ceo cfo & trustee. To express further the multiple excuses for why they have a restriction on my account plus the fact the cheque cleared. I would understand if I endorsed the cheque and the 3rd party did not but that wasn't the issue. this doesn't help the consumer one bit. Chase also has threatened to close my account as if there has been fraudulent activity going on which there isn't!. even with the 3rd party on the phone verifying they gave me sed cheque for deposit. anybody can get a phone number verified by calling up a phone company and acting as a person. Chase verification process is the worst process ever suggested to the consumer. Also train your agents better please. I have been doing business with Chase but I will Rescind ALL CONTRACTS, Security interest & proceeds if this matter isn't solved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a reservation for a camping pass in XX/XX/2023 with my Capital One Card. The Camping was for XX/XX/2023. The seller has a strict no refund, no cancellation, no date changes policy to the booking for the consumer. 2 weeks before the reservation, the vendor sent me an email that they were overbooked for that date, so made me pick a new date the following year. Capital One sent me a decline letter because its been more then 60 days since the charge. But according to XXXX 's own policy, I should have up to 60 days from data that services were supposed to be rendered. In addition, the bank is saying that seller has a no refunds policy so declining my dispute. But the seller broke their own terms and conditions of " No changes '', and in fact, the seller sold me services they didnt have ( overbooking ). Please help with this fiasco. The seller made the error by overbooking not me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NC
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following fraudulent accounts off my Credit file : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. UNder the FCRA section 605b, you are required by law to remove these accounts off my Credit file since these accounts resulted due to my identity being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
In Response to CFPB Complaint # XXXX and Capital One Case # XXXX Back on XX/XX/XXXX, XXXX called me and said she was going to dig deeper into my case, and that not to worry because she actually handles cases such as mine ... She clearly didn't dig deeper. And digging deeper wasn't even necessary because the proof was right there in the transcripts, clear as day. A 12 year old could see it. That's why I paid XXXX dollars for them ... XXXX ... No, she's not an XXXX. She can see what happened, she's not XXXX ... She just doesn't wan na cough up the XXXX XXXX. She can't make the attorney pay it, because apparently it's been too long now as the previous agents handling my claim took too long ... She even said to me over the phone back on XX/XX/XXXX ( and Capital One is more than welcome to bring up that phone call XXXX -- " It seems as though someone mishandled your claim. If it was too late for them to open up a disputes case, then they should have told you that from the onset and never opened up the dispute to begin with. So if that's what happened then they need to pay for it. " ... Okay.. Sooo.. Whatever happened to that?!?? Make them pony up the dough and pay the XXXX XXXX. Don't make me suffer!!! Nope, just back to saying the same thing they've been saying for months and months now ... These people are monsters. They do nothing but string people along.. Sick and tired of it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Adjusters will not send a financial statement or any verifying documents to support this debt. 
Credit Bureau keeps reporting it is verified but I would like to know how they are verifying this {$840.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My identity was stolen around XX/XX/2021. Someone used my information ( SSN, DoB etc. ) to apply for a loan to XXXX XXXX XXXX, located at XXXX XXXX XXXX. XXXX XXXX, MI XXXX. I live in the state of Washington and the credit union is located in the State of Michigan. XXXX does not provide out of state loans so they rejected the loan application. However they did conduct a hard inquiry into Transunion. I had not even heard of this credit union. This hard inquiry was reported and then I discovered that my identity was compromised. I called XXXX and informed them about the fraudulent activity. I requested them that they reach Transunion to delete the hard inquiry that refused to do so. 

I did freeze my credit with all the three credit bureaus. I filed a police report and report with the FTC. 

I tried to reach Transunion. It seems Transunion allows a dispute of a lot of information from your credit report EXCEPT the hard inquiry. There is no information on their website on how to get rid of the hard inquiry. 

It is totally unfair to me that ( 1 ) although XXXX rejected the loan because the address was out of town, they conducted a hard inquiry to damage my credit score and now refuse to correct their mistake. 
( 2 ) Transunion has no process online to allow consumers to dispute a hard inquiry. It seems they allow easy access for fraudulent activity but no on line process to corrective action.

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