BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: PA
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:
Hello, On XX/XX/XXXX, I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: Blackhawk Network Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought a {$200.00} gift card ( Issued by Blawkhawk ) and received {$98.00} in ( XXXX ) charges within 30 minutes of checking the balance on the card at a site that came up first when I searched their web address on the back of the card. I'm not the first ( over XXXX complaints at the XXXX XXXX XXXX  ) Itst ' been almost a month and they've done nothing but try to bury me in forms and red tape. ( I had to fill out a form listing the XXXX charges separately including the name of the scam company on each line ). According to various sites there have been numerous reports of fraud on the phishing site but Blackhawk still allows the charges to go through. there are Several complaints on the XXXX site claimed the phishing site was owned by Blackhawk and after this ordeal I am beginning to suspect that may be true.I 've disputed charges on other cards and have always been able to resolve fraudulent charges over the phone, I have no way to electronically sign the forms they emailed me. Also the require me to list each of the XXXX charges manually when the aleady have a list. I explained that I can't Esign and that I don't have a smart phone and they a couple of times and instead of explaining how to do this and offering help they just keep sending me the same forms and instructions. ( 3 times so far )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AD Astra Recovery Services is reporting on my credit report in the amount of {$1500.00} account # XXXX which is false and its keeping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible. 

The XXXX XXXX XXXX - XXXX XXXX to XXXX ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently disputed multiple collections on my credit with the collection company and Experian/XX/XX/XXXX for validation of debt. I asked for proof of signed contract between company and I and wasnt provided with one. I sent a request via mail to Experian/XX/XX/XXXX requesting information on how accounts were verified. I have collections account showing as open with a past due balance. XXXX XXXX Investment, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. I am requesting that these accounts be deleted from my credit immediately.

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 2021-08-24
Company: EQUIFAX, INC.
State: CA
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 an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Colony Brands, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never ordered anything from this company nor received anything from them. A collection account from them appeared on my credit report, and when I disputed the info with the 3 credit bureaus, Swiss Colony sent back a letter asking me to provide proof of my residence and other items ... .I refuse to provide this information to a company that I 've never heard of and never did business with. I was impacted by the XXXX  breach, so not sure if this has something to do with it. This information needs to be removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-24
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shell point mortgage put me on cares act. XXXX of XXXX. They are demanding payment in full. 
I'm not behind on payments They stopped accepting any money from me in XXXX of XXXX. I was on the cares act plan. They have denied I was on this plan. They have denied me any way to get modification or forbearance. They have never notified of anything. I can prove their lies at every point of contact. They have had class action lawsuits filed an shell point lost every lawsuit. For the exact same thing they are doing to me. Theese people should be in prison. This is just a couple of the thing they have tried there is a lot more they have done an said an lied about trying to steal my house. I'm not upside down on my house Actually I have around XXXX in equity in my house. Please help me resolve this matter. I can document lie after lie by shell point. It's criminal what they have done..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lvnv funding llc deleted this account my credit report Last year bc it was not mine. I checked my credit report last month and its back on there. I have asked for original paperwork with signature. They will not provider that to me. They have sent me some off credit card statements etc. This company has broke all kind of laws. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After several phone calls and mailed in disputes, XXXX refuse to remove my old address from my credit report, this is prohibited me from getting credit. I sent in my proof of current mailing address along with my social security card, they still continue to tell me they will not properly update my personal information on my credit file

Company response to consumer: In progress
Consumer complaint received 2023-02-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I would like to see this case re-opened! American Express is in possession of all documents that were originally submitted. According to XXXX, Funds in an American Express Personal Savings account are insured by the Federal Deposit Insurance Corporation ( FDIC ) up to {$250000.00} per depositor. You can also link external bank accounts, allowing you to transfer money in and out of the account as needed. FDIC means the bank is insured, not that the customer is insured. I had an external checking account that was hacked. I gave no authorization for any funds to be withdrawn, yet, {$250000.00} was withdrawn by hackers who used my internet protocol ( IP ) address to move t hose funds into my XXXX XXXX XXXXXXXX checking account. From there, they created their own XXXX XXXX XXXXXXXX checking account, moved the funds into that account and out it went. The American Express investigation was limited to the fact that my IP address was used to move the funds to my account. American Express closed the case, and left me with {$1000.00}. The investigation was shoddy, negligent in the facts, cursory in its desire to understand what happened. When XXXX XXXX tried to explain how these actors had invaded my accounts, they indicated there was no need for them to understand. Not one penny, of those funds that were withdrawn, was ever authorized by me. I would expect that as a long-time account holder, there would have been a real investigation. More than likely, those funds were laundered to fund terrorist activities. Does American Express care? 
American Express should do a thorough investigation. They have refused to contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Mobile : XXXX XXXX XXXX  The Consumer Sentinel Network details several similar scams with the same names of XXXX XXXX and XXXX XXXX who used a computer program called XXXX which was used to secure my computers and phone. That there is a criminal investigation ongoing with case number XXXX, and American Express is not doing their due diligence in contacting the detective working the criminal investigation is a nationwide scam, and there could be liability on their part by not completing a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
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:
I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2023-01-24
Company: EQUIFAX, INC.
State: NJ
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:
When I looked into my credit report, I noticed that some of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) mandate that these items be verified by the three credit bureaus ( 1 ). ( A ). It is unacceptable to treat these reporting items as unverified allegations without providing evidence within the prescribed window of time. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ) Could you look into the unverified items and remove them from my file right away? 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be fixed from erroneous reporting in my file. 

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 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 explanation
Consumer complaint received 2022-05-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I transferred {$1500.00} through XXXX from my XXXX XXXX account to my Chase account. Even though XXXX will not transfer money that is not available, Chase decided not to make funds available until XX/XX/XXXX. On XX/XX/XXXX I transferred {$1600.00} and the funds again were not made available. When I called I was advised that I should simply wait. There was no reason for the lack of availability except that I was simply unlucky. The difficulty is I have been advised by Chase that if I deposit a check, it will be held for five days and therefore the only way for me to move money expeditiously is through XXXX. Still, they refuse to make funds available. I believe this decision has been made to encourage overdraft behavior so they can capitalize on customers who are having financial difficulty. In the case of both transfers, the funds were already removed from my XXXX XXXX account, limiting my ability to spend. Whether I need groceries, to pay rent or keep lights on, the decision to arbitrarily hold funds they have clearly received ( this was verified by phone call ) makes no sense, unless they are trying to find ways to generate income by exploiting financially vulnerable customers. Banks should be required to let clients know if and when they are going to hold funds and the decision should be consistent and reasonable, including they should never be able to hold funds they have already collected, particularly when the method used to transfer has no way of recalling the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NJ
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:
When I looked into my credit report, I noticed that some of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) mandate that these items be verified by the three credit bureaus ( 1 ). ( A ). It is unacceptable to treat these reporting items as unverified allegations without providing evidence within the prescribed window of time. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ) Could you look into the unverified items and remove them from my file right away? 
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 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 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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I believe Capital One has committed an egregious UDAAP violation against myself and all former XXXX Direct savings account owners ( otherwise noted as Capital One 360 Savings owners post-acquisition ). Capital One created an exactly comparable product called the 360 Performance Savings ( vs Capital One 360 Savings ) with a greater interest rate and all the same account services and benefits. They are still providing legacy account holders a 0.30 % APY while new customers opening the exact same account receive a 4.10 % APY. When I contacted the bank to clarify this problem, they told me I could close my account and open a new one. This seems like a very deliberate attemp and unfair practice that intends to capitalize on banking customers not catching the change or rate difference.

Company response to consumer: Closed with explanation