BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX was the durable medical equipment provider for a XXXXXXXX XXXX, which I had in XXXX. I had many negative experiences with this company, due to their lack of professionalism. They tried giving me an outdated machine, which my doctor had not prescribed. After not getting what I wanted The follow up was extremely poor. 

In XX/XX/XXXX, the owner of XXXX, XXXX XXXX left a phone message asking for a serial number of a brand of machine I didnt even have. 

Any money that would have been owed on this equipment would have mostly if not completely paid by my medical insurance company, XXXX ( XXXX XXXX XXXX XXXX ), at the time. 

Unfortunately, I was given erroneous information from the SSA and XXXX XXXX XXXX regarding my medical coverage. Both entities told me I could stay on the XXXX XXXX XXXX XXXX XXXX XXXX, even though I was XXXX XXXXXXXX. XXXX stopped paying my medical bills when they discovered I was Medicare eligible, which was XXXX XXXX, XXXX. It wasnt until XX/XX/XXXX, that this matter was resolved and any reversed claims paid by XXXX, would have then been then been paid by Medicare, retroactively. 

I have not received, nor heard from XXXX XXXX XXXX since XX/XX/XXXX, when I spoke and emailed XXXX XXXX, owner of XXXX. His representative handling my supplies had not been responsive to poor quality accessories I needed for the XXXX I never did hear from them again and found a new supplier for my accessories. 

I do not understand why after nearly five years, I am getting a collection notice on XXXX behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Visa debit card was lost and some unauthorized transactions where made after the card was lost. I logged into the app and noticed these unauthorized transactions. I immediately contacted customer service. There was no customer support phone number. My only method of communication was the chat/message feature in the CashApp. I informed and requested disputes to be filed with CashApp for the unauthorized transactions two weeks ago ( more than 10 business days ). I also declared my card lost/stolen within the CashApp to cease further unauthorized transactions and request a new debit card be mailed to me. I have followed up several times since with the CashApp chat regarding my disputes. I continue to receive responses that are not addressing my concern. Purposely avoiding my requests and dodging providing answers or solutions with such tactics as multiple responses of asking me for my email address ect. 
There are regulations that protect consumers and obviously my card was stolen. Nobody at CashApp is helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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:
I have been disputing with XXXX, XXXX and Equifax 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Disputing a Hard Inquiry from Capitol One on XX/XX/2018 never had Capitol One or tried applying for Capitol One tried to dispute error on XXXX  and called the number they gave Me but issue was never resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: FIRST HORIZON BANK
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, I paid off my auto loan. I can not see the XX/XX/XXXX transaction online. The banks online system indicates I can see XX/XX/XXXX, transactions but will not display the transactions. We are in XXXX and can't check to see if our title was returned to us. XXXX XXXX was purchased by FirsXXXX Tennessee Bank subsequent to me paying off the loan in full. In XX/XX/XXXX, the online banking systems were merged. The transition was done very poorly, and the system still doesn't work properly. On XX/XX/XXXX, we moved from XXXX XXXX XXXX, XXXX to XXXX XXXX, XXXX. I transferred the balance in my checking account to my new account and left the account open in case a direct deposit was made incorrectly. On XX/XX/XXXX, {$.00} for interest was deposited to our account. On XX/XX/XXXX, a direct deposit for {$53.00} was made to the account. On XX/XX/XXXX, our account was charged {$280.00} for a loan payment and {$37.00} for an overdraft charge. The charges were posted to our account without written or verbal notice that anything was due or that the bank intended to charge our account. This was done 10 months after the auto loan was paid off in full. On XX/XX/XXXX, {$25.00} was charged to our account. On XX/XX/XXXX, another {$25.00} was charge to our account. We were not notified our account was in an overdraft position, either written or verbally. On XX/XX/XXXX, I discovered the bank charges and contacted the bank to see what the {$28000.00} charge was for. They stated it was for interest on the auto loan I had paid off 12 months earlier. The bank did not provide any evidence or documentation. They removed the {$37.00} charge and the 2 {$25.00} charges but refused to remove the {$280.00} interest charge. There is no way the interest charge is correct. The bank can not charge interest on a loan that was paid off 10 months earlier and certainly not after the bank was purchased and merged into another bank. The merged bank has proven repeatedly that it is less than competent. This bank should be strongly censured.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
On XX/XX/2023, I checked my credit, wanted to see if everything was in line in terms of timely payments and see if anything was unusual, etc. 

I noticed unauthorized inquiries on reports, I would seek your help to check with institutions why they are reflecting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions 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 XXXX Account # 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 a account without my written instructions

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 2023-02-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a notification from Navy Federal Credit Union that a XXXX transfer in the amount of {$500.00} was made and approved to a XXXX XXXX account. I immediately went into NFCU to let them know of the notification and that it was not me. I have never used XXXX and would not know how. NFCU said that a secondary cell phone number had been added to my account by a hacker and that it had an out of state area code. They also said that they were aware of the massive XXXX fraud occurring within their banking system. I did not ask to have XXXX and I was not given an opportunity to opt out of this third party service. I have also never used my debit card in an ATM machine. They did an investigation and said they would not refund my {$500.00} and they concluded through their sham of investigation that is was me and they would not be refunding my stolen money. The XXXX XXXX was easy to follow in that I have never made a transaction hike this and am a XXXX XXXX XXXX widow with low IT skills. They made me feel like a liar and a criminal which I am neither. Please help me so others in my demographic are safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
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: Account information incorrect

Complaint:
Ive submitted requests to all three credit unions ( Equifax, XXXX, and XXXX and neither was able verify the account, so I requested it be removed within 30 days and it still havent. I have an account from XXXX XXXX XXXXXXXX that should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Chime Financial Inc
State: MI
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 made a purchase of {$160.00} to XXXX XXXX XXXX for a faja using my chime credit card. However after the transaction they informed me they dont accept chime and I would need to dispute the transaction and pay with cash. I told chime about the situation and how I was charged twice and there was already an agreement with the company to refund my money. They even called me to reverse the transaction but couldnt because it was already in dispute with my bank and I gave that information to chime dispute team as well. Yet I was still denied with the only explanation being they found no error i rebutted and asked for the information used in the investigation and I was again denied the following day and still no information about the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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:
I have contacted all companies to remove inquiries and have also frozen my credit report with filing out forms for ID theft These are some companies that have used my information without permission XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-16
Company: Experian Information Solutions 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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
In XXXX i disputed this account, I requested for this collection agency to validate the alleged debt, they failed to do so. They sent an itemization of charges which by law is not considered validation of debt. I asked for a proof such as the original contract and or my signature. The company failed to provide me with the requested information. The law 91-50 Title VI section 611, Subsection A-D clearly states if i request proof and or validation of alleged debt I'm entitled to obtain a copy of it, which was NOT provided by Portfolio Recovery Associates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Real Property Business Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I want to make you aware that a landlord is harassing me via debt collector, and this is now the second collector to try to collect on a debt that is not owed. The other agency dismisses XXXX XXXX XXXX  and will no longer do business with them due to their practice. 

I moved out in XX/XX/XXXX. I received a collection in XXXX XXXX. The agency went back to XXXX XXXX XXXX and asked for an itemized bill regarding their claim. They did not provide that information, so they stopped doing business on their behalf. Three months later, I received another debit collection notice from XXXX XXXX XXXX XXXX. The invoice claims payment due to the apartment not being cleaned. Per Illinois state law, they can not require payment for cleaning services. ( clean floors, swept balcony etc... ) I've contacted XXXX of the law and of the history of XXXX XXXX XXXX. If you know what government agency I can notify XXXX XXXX XXXX of their practices, I would like to report this harassment and disregard the state law.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-05
Company: Nationwide Debt Reduction Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Ever since XX/XX/2018, I have been charged monthly by National Debt Reduction Services around the XXXX of each month with {$270.00}. During the initial interview prior to charging me, they informed me that they will work with some of the companies that I have current debt with ( XXXX XXXX XXXX, XXXX, and XXXX XXXX ) to help significantly reduce the debt I owe them. They initially guaranteed that after 90 days, I would start seeing my debt from one of the companies become lower. However, it has been already 5 months, and instead of going lower, my debt has increased exponentially ( one of them has even doubled ). I also started receiving harassing calls from debt collectors on a daily basis ( sometimes even 4x a day ). I contacted them about this issue on XX/XX/2018 and they suddenly disclosed to me that they were waiting to reach a threshold amount so that they can begin negotiations with one of the companies, and that they are currently in negotiation with one of them. I am able to see my debt balance online with them, and I do not see this being reflected. I am highly suspicious that this may be a scam, so I would like Consumer Financial Protection Bureau to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: WELLS FARGO & COMPANY
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the erroneous accounts reported on my credit report : WF CRD SVC - Acct. No. 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 2023-10-25
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-27
Company: JPMORGAN CHASE & CO.
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX Chase bank claimed to have sent the title of my car through the USPS without a tracking number. On XX/XX/XXXX I still had not received my title and called Chase back and requested a new one, and they explained it would be sent to me overnight on XX/XX/XXXX. Today, XX/XX/XXXX, I called Chase and asked them about the status of the title. Chase explained that they sent out the request for the title on XX/XX/XXXX and it could take up to 30-days to process. The car registration in XXXX  expires on XX/XX/XXXX and because I moved from the State of XXXX  to the State of XXXX, I no longer have a XXXX  driver 's license. I can't register the car in XXXX  without my driver 's license, and I can't register the car in XXXX  without the title. Because of Chase 's mistake, I now ca n't drive my car, I ca n't drive to work, and they refuse to expedite the issue. This has not only taken away valuable time but has taken away my car and the ability to work and earn money.

Company response to consumer: Closed with explanation