BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
A few years back, my son was diagnosed with XXXX and as a direct result, I encountered an unexpected financial hardship. 

I reached out to PenFed, and PenFed offered to restructure my debt accounts. PenFed offered to reduce my monthly loan payment to {$410.00} and extend the loan maturity date to XX/XX/XXXX. 

I received the attached pre-filled form from PenFed and returned via email and XXXX. Fast forward to today, I recently learned that PenFed did not adjust the loan maturity date as agreed and I have a lump sum payment due on XX/XX/XXXX in the amount of XXXX. 

I have contacted PenFed on several occasions and provided relevant documentation to no avail.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 

XXXX XXXX XXXX : # 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 an 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 or 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 2020-02-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}, {$3100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I received a call from this agency. Apparently I have a {$3000.00} hospital bill. The original creditor was XXXX XXXX, XXXX XXXX XXXX in XXXX. The issue is, that I had XXXX/medical insurance at the time. From what I know, it is illegal, is it not? To send a medicaid patient to collections, to try to bill them for a hospital visit? When this collection agency called me, the associate named XXXX had tried to tell me that this was not the case, even though several resources, federal and state laws on the internet seemed to say that it was the case. 
Additionally I called XXXX XXXX about it a few months ago, and told them I had insurance at the time and the insurance number, and they said they would reach out to XXXX. In the meantime I would assume that this account would be removed from the collections agency, or they would have to cease trying to collect. However, just a few days ago was when I received the call from them. I called XXXX XXXX again after, and they said that they notified the collection agency. I am on social security/disabled and I receive medicaid. I don't understand why I'm being targeted by this agency for a hospital visit. Why XXXX XXXX  sent me to collections when I had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Requested early part of last year for Kohl 's to place me on a DNC list. They did not comply and I continued receiving texts and calls from the. When I tried t communicate this they hung up on me and would not assist. They kept calling during work from several numbers XXXX, XXXX, XXXX, XXXX. Have asked them to call me back but they do not contact you back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I did a transfer from XXXX XXXX XXXX  where I was the account holder to the Chase bank to the supposed closing attorneys account. 2 hours later I was informed by the closing attorney that they didn't receive the wire, and they confirmed the account information that I had was not the correct one, apparently the email was hacked and I was following the instructions from a hacker. I immediately informed my bank, and while the funds were still available on my account I requested to place a swift recall. Accordingly to the bank manger of the branch where I initiated the transferred from, the XXXX XXXX had place a wire stopped successfully and the Chase bank did acknowledge a name discrepancy and the wire was placed on hold. On XX/XX/XXXX the Chase bank released the funds to the fraudsters and closed the account. Following the investigations from the Law enforcement in XXXX, the Police XXXX uncharged discovered the Chase bank opened the account to a person with fake ID and XXXX phone number. Still the bank released the red flagged funds. The XXXX XXXX did failed by not confirming with the Chase the account at the time I was making the wire transfer, as a result of this mistake I was told the manager was later on terminated ; still I never retrieved my money, and the Chase bank did opened and released the funds to fraudsters what makes me conclude this was an inside crime. I need from both bank to accept their response and refund the money that I lost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

inquiries XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-02-15
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 2ND TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: FL
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is over {$3000.00} in debt that the company says I owe. Ive called several times to get debt verification and also an itemized list of dates of service with billed amounts. This company has failed to send me anything. Ive made several payments but there are dates Ive been billed for when I had insurance. I was advised by the company to reach out to my insurance to file a claim but I can not file a claim without the exact date of service and billed amount. This has hindered me for years and I just want to provide the necessary information they need to delete these bills. If Im not making a payment, theyre not very helpful at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX 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 accounts 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 these items of information Any other adverse items 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 2021-11-21
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX Email XXXX XXXX XXXX. XX/XX/2021 XXXX {$1000.00} XX/XX/2021 XXXX {$1000.00} XXXX. I know the transaction was unauthorized because I was told by the scam customer service rep that I needed to provide my cash app handle to verify my account with cash app. They said I needed to call XXXX to protect my account. Then I started receiving request they said verify it and it would secure me cash app and then they hung up and never answered again. Then I contacted cash app support and reported a scam immediately. 
XXXX. XXXX XXXX California, the fake cash representative was located in XXXX according to phone records. 

XXXX. I provided my cash app handle and account balance XXXX. I instructed to download a trust wallet app by fake cash app representative. Police report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023, I was checking my email and noticed that Chase Bank had sent me two emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call Chase Bank to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from XXXXXXXX XXXX XXXX telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call XXXXXXXX XXXX XXXX  and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on XXXX XXXX XXXX. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Square Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been trying to attempt to resolve my issue with Cash App. First off, I have funds someone sent me that I can not access because the app is requesting my pin. Well I forgot my pin and when I hit  '' forgot pin '' it ask for my routing and bank account number. I provided my personal routing & bank account number that is linked to my cash app and the app keeps telling me the account doesn't match their records. Maybe they want me to use the routing & account number that is cash app provides on their cash app cards but I do not have that as the card was never sent to me. It is completely impossible for me to reset my pin if the info they 're requesting doesn't match their records. When I ask Cash App to call me, they keep responding by saying go to the app and select  '' phone '' but that is not an option either ... the only option the app is providing is email. THIS IS HIGHLY RIDICULOUS AND FRUSTRATING. I have funds that I can not even access and the funds have been there for almost a month. Their policy states that funds get returned after 14 days but the funds have not been returned to the sender. I would prefer they send the funds back instead of sitting in their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EMG ACQUISITION GROUP, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This is a resubmission of a prior complaint. I obtained a loan from minute loan center all via online and over the phone. The loan was in the form of a line of credit that was for {$2500.00}. My first 2 payments were for {$200.00} and were bi-weekly in accordance with my pay schedule. I have not received any emails from minute loan center regarding statements since I obtained this loan. I had checked no earlier than XX/XX/21 to confirm the payment of {$200.00} was to be debited from my account and this is what it said. On XX/XX/21 I was surprised to find that my account had been debited {$630.00}. I did not see this anywhere in my loan agreement nor was it explained to me that my payments would increase this drastically. It is not clear in their loan documents. I have had other loans before where it is explicitly clear what the payment will be. On XX/XX/21, I spoke to XXXX and advised her that I wanted the ACH on this account removed. I am happy to pay the {$200.00} but I will not pay over {$600.00} on a {$2500.00} line of credit. I am asking to be refunded the difference of {$430.00} due to minute loan centers lack of communication on this. 

On XX/XX/21 I received a notification that the company had responded and that the response was sent directly to me. However, I have received no such response. Additionally, I was in text communication with the manager XXXX, who was quite rude in his correspondence. He also advised that a response was made and I told him that the CFPB said that the response was sent directly to me, however, I have not received it. I never received any follow up from him since then. I received another phone call today but no indication of when this response would be received. I am now forced to look into how this can be reported to the local jurisdiction including the attorney general 's office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

XXXX XXXX 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 an 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