BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}

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 2021-05-27
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to obtain a debt validation documents from Southwest Credit, however, they are unable to do so. They keep sending me copies of a bill, which does not constitute a debt validation. 
I have also disputed this with three credit bureaus, however they have ignored my request stating the debt is valid and that belongs to me. Collection agencies ( all three of them ) are not asking debt collectors to validate the debt rather than just obtaining copies of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom it may Concern, I am writing to bring to your attention an urgent matter and to express my deep concern about the recent freezing of my bank account I opened last XXXX with Chase Bank. On XX/XX/XXXX my bank account was frozen for Unknown reason, on XX/XX/XXXX I went to chase bank located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX and spoke to the Manager and called the XXXX Number unfortunately, they couldnt explain to me why the account was frozen. I was told to wait until I received an explanation letter from the Bank. Now its been almost XXXX days and I didnt receive any explanation letter. This action has caused significant financial hardship for my business and for me and my family, and I would like your intervention to ensure that my rights are protected. 
I have always been a law-abiding citizen and have never been involved in any illegal or criminal activities. However, my bank account was frozen without any warning or explanation, leaving me unable to access my funds or pay my bills. This has caused significant stress and anxiety, and I am deeply worried about the impact this will have on my financial stability and well-being. 
I understand that there may have been a legal reason for my account to be frozen, but I believe that this action was taken without due process and without adequate communication. I have not been given a clear explanation of why my account was frozen, nor have I been given an opportunity to contest the decision. 
It is unacceptable for innocent individuals to be subject to unjustified freezes of their bank accounts without any explanation or justification. 
Enclosed a statement from chase showing my bank information and the balance which I cant have access to it. 
I would appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this important issue, and I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
LVNV Funding has a XXXX XXXX account they are contacting me about. I previously had a payment arrangement set up with them, but have since stopped it. When I made contact with LVNV Funding on/around XX/XX/21, I asked them to cease telephone contact with me. Instead, they placed it with another company called XXXX XXXX and they continue to harass me via phone contact. Due to violations of the FDCPA and the abusive practices LVNV has taken to collect this debt, I request this account be removed from my credit report immediately. I plan to contact XXXX XXXX should we not reach this resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: BROKER 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:
On XX/XX/2021 I reached out to New American Funding regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested XXXX XXXX  and XXXX  to prove proof of this as well and have received only a generic letter stating that New American Funding has " verified as accurate ''. How can New American Funding verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 sent Tranunions Certified Letters showing proof my XXXX payments was NEVER Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX - XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions 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:
i had my wallet stolen out my car and filed a police report for identity and theft i submited the police report and its still on my credit report and i dint authorize these those negtive items on my file please help

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 2023-02-19
Company: GOLDMAN SACHS BANK USA
State: MD
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:
XX/XX/XXXX Placed a order for XXXX shoes on line from XXXX  but the transaction was suspicious after not being able to contact the seller and then the payment was made to XXXX to a XXXX XXXX not a business. 
XX/XX/XXXX Email from XXXX showing package shipped to my address XX/XX/XXXX XXXX XXXX with apple card support and advised. 
XX/XX/XXXX email from XXXX saying the package was delivered to XXXX XXXX. I went to the XXXX  XXXX post office and was given a signed copy of the shipping instructions that shows a different address than my address and the correct address the seller verified. I have given the Apple card associates this information many times and each time it keeps getting put back on dispute without the charge on my card until today. 
XX/XX/XXXX Requested a supervisor to have the charge taken off because I sent in documentation a package was sent to a different address. The Apple XXXX at XXXX XXXX said the charge was going back on my card even though I sent in the above showing the package was sent to another address and I had to pay it on the due date or be delinquent. I advised didn't seem right to pay for something I didn't receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Friendly Finance Corporation
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Friendly Finance Corp XXXX XXXX XXXX XXXX has been suing me since XX/XX/XXXX thus having my wages garnished at least 20 times give or take. The original amount of the judgment was {$11000.00} I have paid {$17000.00}. On XX/XX/XXXX I was served another garnishment notice saying that the total amount due is {$49000.00}. There should be some type of statute of limitations on how long a company can keep taking you to court to have your wages garnished.

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 2022-12-28
Company: AMERICAN EXPRESS COMPANY
State: FL
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 used to have a XXXX card with American Express ( ending in XXXX ), which I asked to be closed back in XXXX or XX/XX/2019. XXXX months ago, I received a statement for this card, showing a charge of {$160.00}. 

I immediately called the AMEX customer service to dispute this charge, saying that I never received any goods or services and that this card account had been closed over XXXX and a half years ago. They agreed to investigate and suspend the payment due for this charge. 

I also tried to contact the merchant, XXXX XXXX in New York however, the phone number listed on the charge as well as on their website, is simply a voice mail drop, with no access to live operators. They offer an email form, which I filled twice at a month interval and remain unanswered to date. 

American Express reinstated this charge, asking for payment and I disputed that charge again in writing. I can not understand how a closed account can be impacted with new charges so long after the actual closure date of this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
Company: Experian Information Solutions 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:
I XXXX XXXX XXXX has been used to put HARD INQUIERYS on my EXPERIAN CREDIT REPORT. These companies are letting credit card companies go through the XXXX report that was put on credit reports many years ago. I have good credit report but these lies of hard inquireys.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, My name is XXXX XXXX XXXX XXXX and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXX XXXX  : opened on XX/XX/2022 XXXX XXXX XXXX : opened on XX/XX/2022 Inquiries : XXXX XXXX XXXX XXXXXXXX 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 2022-04-21
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:
On XXXX, I have booked XXXX XXXX flight using Capital one Quick Silver credit card for the amount of {$2100.00}. I have cancelled that ticket in XXXX due to Covid travel restrictions, Passanagers if citizen of XXXX  can not fly to USA. But XXXX XXXX did not refund. I waited till XXXX, did lot of calls and sent feedback forms but no refund was given so as a last resource I had to ask Capital one to dispute my transaction and fight on my behlaf. They opened a case for meon XXXX and they told me to wait 30 days.I have uploaded all the proofs for cancellations but After 30 days the case was not touchedmoved at all so they decided to close that case and opened abother case and gave me temporary credit for it and asked me to fax supporting docs. I faxed it and called them if they received it or not on XX/XX/2022 but surprisingly instead of moving my case I got letter from them on XX/XX/2022 saying we are closing this case as dispute has to be filled within 60 days on transaction only. So 1 ) Why they did not tell me earlier and opened 2 different case earlier? I wasted my time since XXXX with them and I had a faith and hope with them. 2 ) Also they closed this case very next day when I send the docs so why you did not use those docs and proceed with XXXX XXXX? If you cant proceed then tell me in the very beginning only. Its such a disappointment and lot of time waste.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Tried link my debit card to XXXX  account to receive money back when making purchases ; pnc is preventing me from doing so during this pandemic. Only allowed to like account using routing number but unable to link debit card. Debit card is needed since I use my debit card for purchases and not account number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been trying to collect a debt that is invalid for several years now. The debt is for the amount of {$190.00} for unreturned equipment. I sent the debt collector proof on multiple occasions that my XXXX equipment was returned to a XXXX store on XX/XX/2021. I sent receipts. I followed their guidelines exactly to return the equipment. I emailed them on XX/XX/XXXX and sent a physical letter a few days later. Now it looks like a new collection agency took over this account and are trying to collect again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: NM
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:
In numerous occasions, I was charged overdraft fees. The payments should have been processed at the time but seemed like it was held back intentionally just like right now. I had enough funds for a reversal fee but they waited to process the amount until my account got low and that amount has finally been pulled from my account causing it to go negative and charging me overdraft fee. That seems to be a normalcy for Wells Fargo Bank. I already talked to a banker about taking my reversal charge on a Friday but they never did until this morning.

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 2021-05-27
Company: Lending Club Corp
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 we recieved an email stating a check we mailed was not received and that we needed to wire the funds. Knowing we needed to get the work done, we wired them XXXX {$90000.00} ). We called 4 hours later to make sure that they had received the wire. They in fact had received the check and did not request the wire. We called our bank XXXX XXXX XXXX immediately to get the funds back. They called Lending Club, the bank we wired to in hopes to get them to stop the funds from going to the person who fraudulently emailed us. Our Bank 's Operations Security Manager was told they needed to talk to us ( and so I called, requested to speak to the fraud department. They would never send me to the fraud department. When I talked to the FBI agent assigned to this issue and she suggested I call again and ask for XXXX in the Fraud department. I called on XX/XX/2021. I was never transferred to the fraud department nor to XXXX. I had to beg them to write down the information regarding the wire to get it stopped. I was promised a phone call by the end of business that day. I gave them my cell phone number so that I didn't miss it and I have yet to get a call back. Our bank is still getting the run around too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: Fig Tech Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
A scam artist came across my social media profile online. His name is XXXX XXXX. He works for the United States Military and demanded my information after I declined several times he sent me pictures of him holding military graft firearms. He asked for my drivers license, address, school, bank information, and social security number. He began applying for credit cards to use at his discretion under my name. When I saw text messages from some of the companies I told him to stop applying under my name but he refused. He even went so far as to forge my signature and tried to provide them with copies of my personal documents such as drivers license, etc to make the companies think it was actually me applying for the accounts. I was charged for an amount by Fig Loans that later reported the fraudulent credit late on my credit report. This lowered my score along with all of the credit card company applications that fraudulently applied for by identity theft. Fig loans also billed my personal bank account and never refunded me the amount. I tried calling the company but they never answer. I also tried emailing them but when I did they stated they did not have my information in their system. This is contradictory to them reporting late payments in my credit report with my information.

Company response to consumer: Closed with explanation