BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: INDEPENDENT BANK GROUP, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
this is in regards to my last complaint. 

XXXX I understand they wont cover the fraud. But, their employee told me over the phone that the check cleared and to proceed. they should cover their mistake, imo.

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 2023-06-17
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I recently filed a complaint with CFPB ( # XXXX ) against Vanilla Gift Card regarding XXXX {$200.00} gift card. I received an email today from CFPB that my claim has been closed due to InComm expediting a replacement card through FedEx. This statement is FALSE and fraudulent!!! Not only have I not received a replacement card but InComm does not have my mailing address so how can they FedEX me a replacement card??? This is deceptive and this company should be shut down for lying to a government entity to close a claim. I am asking that I receive my replacement card electronically ( e-gift card ) sent to my email address XXXX for {$200.00} to cover the cost of the damaged card I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account # XXXX listed under Amerassist AR Solution and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do-not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My friend XXXX XXXX is an authorized user on my XXXXapital One credit card account. On XX/XX/2021, XXXX XXXX daughter XXXX stole the card out of her wallet and at two different XXXX stores in XXXX, TX, charged 11 gift cards at {$500.00} each, for a total of {$5500.00}. 

I received NO alert either by text or email. This is despite the fact that : ( a ) Usually, an alert is sent for many simpler, lower and quite harmless charges ( b ) This activity is completely anomalous for our account XXXX : On XX/XX/XXXX, the daughter stole the replacement card, went back to XXXX, and charged {$200.00}, then tried to charge {$800.00}, but the charge was declined, and a notice sent to me by text and email. This is what should have happened in XXXX, but did not. 

After many hours speaking with Capital One 's Fraud Department, their answer comes down to : ( a ) Since it was a family member of an authorized user, the charges stay ( b ) The daughter can sign a form taking responsibility for the charges Answer ( b ) is a joke, of course - the daughter is completely unable to ever pay {$5500.00} in charges ; she is a disturbed person ( obviously ) ; moreover her mother is not anxious to press charges with the police, which is understandable. 

What the Bank has refused to do is recognize that it has ANY responsibility for the failure of its algorithm to pick up 11 charges in a row of {$500.00} each as in any way " irregular '' and perhaps subject to question - even tho on the other occasion I mentioned it immediately DID block the second attempted transaction and inform me. 

XXXX Supervisors have been entirely unhelpful. Any normal person can see that XXXX charges in quick succession of {$500.00} each on an account that had never had anything even vaguely close to activity of that nature SHOULD have elicited an immediate reaction by the computer algorithm. 

We should not be obliged to pay {$5500.00} because of the weakness of the computer system. The fact that the charges were transacted by a family member is irrelevant ; the charges themselves should have been declined and questioned after the first or second XXXX, no matter who had been holding the card. 

The XXXX XXXX XXXX Department is not helping me, despite the people as individuals being polite. We need to have the Bank remove all or most of these charges. I can not afford to carry the financial security of XXXX XXXX Bank, XXXX on my shoulders. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX - good also for texting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: Compass Recovery Group, LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Compass Recovery Group called every member of my family, after they were previously asked to not contact anyone but me. From XXXX XXXX XXXX XXXX, Compass contacted both of my siblings and both of my parents. They proceeded to call my employer. They then called me on my work phone and a female manager threatened to garnish my wages and pursue legal action against me. This all happened because I was struggling financially after a car accident and could not afford the biweekly payments for a few weeks. They called me every single day, multiple times a day on multiple different phone numbers, harassing me since mid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C.1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt BBB

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 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for the debts with XXXX or XXXX XXXX XXXX and do not have a contract with Portfolio Recovery. On XX/XX/XXXX, Portfolio Recovery began reporting a balance of {$620.00} on behalf of XXXXXXXX XXXX as an open balance on my credit reports with XXXX, XXXX and XXXX. I disputed the debt and asked them to validate the information they are reporting. They did not provide me with the original application like I asked or any signed contracts they claimed I have with this bank or their company. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$1100.00} for XXXX XXXX. I disputed this debt and do not acknowledge ownership of this account. I filed a dispute with the credit bureaus to resolve the issue and the account was not validated or removed. On XX/XX/XXXX ; Portfolio began reportion a balance of {$1100.00} on behalf of XXXXXXXX XXXX to my credit reports. At this point it seems that they are attempting to evade credit reporting laws and report duplicate accounts to my report without providing proof to the consumer. I disputed this account for ownership and somehow, the business was able to slip through the cracks and report the erroneous account regardless of ownership to my credit report for a third time with the same bank. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$670.00} for XXXX XXXXXXXX XXXX to my credit report. I have disputed the validity of this debt with XXXX through XXXX XXXX and the business stated that the information was accurate and the dispute was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: BB&T CORPORATION
State: SC
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:
Hello, BB & T has refused to engage in adequate dialogue to resolve a case related to a credit card charge on XX/XX/2018 to XXXX for {$450.00}. Despite having no services received from XXXX for the transaction, BB & T has allowed a fraudulent charge to be charged back on my XXXX account statement. 
Despite many attempts to contact BB & T through email and phone calls, they have ignored any attempt at a resolution.

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 2023-02-22
Company: EQUIFAX, INC.
State: TX
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:
Equifax is not conducting proper investigations. I have provided Equifax with the necessary information and have requested Equifax to report true and accurate account information and still Equifax has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: MI
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:
De

ar, Credit Reporting Agency I am writing in regards to my account with your institution. On a previous occasion, I requested proof of 24 late payments that were reported to consumer reporting agencies, despite my assertion that I was never late on payments for this account. This request was made in accordance with my rights under the Fair Credit Reporting Act. In response to this request, I received a response via the Consumer Financial Protection Bureau ( CFPB ) that did not provide the requested documentation to support the reported late
payments. As such, I am demanding the immediate removal of all associated late payments from my account. 

As I have previously stated, I have never been late on payments for this account, and I believe that these late payments have been reported in error. I trust that you will conduct a thorough investigation and promptly correct any inaccuracies in my credit report. 

I would also like to request that you provide me with documentation showing the removal of the associated late payments from my credit report in accordance with 15 U.S. Code 1681i ( d ). It is my understanding that any person who has received a consumer report containing the deleted or disputed information within two years for employment purposes, or within six months for any other purpose, should be notified of the deletion. 

Thank you for your prompt attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: MN
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:
Only XXXX reporting all accounts. XXXX not reporting correctly. Almost 40 points difference from other bureaus

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 2023-06-18
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit report shows : MIDLAND FUNDING original creditor : XXXX XXXX collection debt : {$660.00} date open : XX/XX/XXXX contact info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the credit bureau in XXXX after realizing that there I had been a victim of identity deft. There was multiple accounts open under my name. My identity was compromised when I became homeless for a period of 3 years from XXXX in XXXX XXXX XXXX XXXX I have been contacted by the above creditor. I have challenged their collection debt as the debt was not made by me. I was able to resolve all of the other unauthorized accounts that were open under my name except the aforementioned. 

I would like to obtain you assistance in this matter as I have made several direct attempts to resolve this issue with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
An account with WELLS FARGO DEALER SVC was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

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 2022-04-28
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX I have a investment property at XXXX XXXX XXXX XXXX Tx. XXXX. Due to Covid 19, I could not find a tenant for my property and could not afford to pay for mortgage so I asked JP Chase Morgan to do a loan modification to a lower amount in XX/XX/XXXX. 

During the process, I was prompt to provide all the requested document to Chase. As the process took a very long time, I was worrying and ask my relationship manager, XXXX XXXX, if I will be protected. He ensured me that I would be protected for foreclosed. 

Moving forward on XX/XX/XXXX, I am informed that I got reported for a 6 month late in mortgage for the subject property. My credit was plummet XXXX points. 

I have contacted Chase numerous times and they reject responsibility. I request to talk to XXXX but he has been on vacation. 

On XX/XX/XXXX, I am informed that my modification is denied and I am forced to foreclose the house or have to pay a lump sump of {$44000.00}. I would not need assistance if I have the said amount. They also took away the deferred payment option. 

If they will reject my loan modification please do it quick so that I can come up with mean to pay. 

And if you expect a consumer to read between the line to know that during the loan modification you will report the late in payment to the credit Bureaus, please explicitly said so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Failed to correct fraudulent accounts on my consumer reports

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 2023-02-17
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I have been paying this student loan for years. Last year I reacached out to AES to inform them that due to financial difficulties I would like to request my due date chaged to the XXXX of each month since I was an educator and the date of my check was the XXXX of each month. The agent informed me that they can't do the XXXX but they was able to do the XXXX, I said perfect. I have made my payments on the XXXX of every month since the event as agreed. There were months where XXXX payments were made. 

AES has caused significant damage to my credit report by reporting my payments late and charging a late fee. The payments were never XXXX late but they illegally reported my account as late/deliquent. As a result of this I was unable to help my daughter obtain a parent plus loan to continue her education. This is unfair to me and my family as the damages are setting my family behind.

Company response to consumer: Closed with explanation