BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Spring Oaks Capital, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I called Spring Oaks Capital about a debt from an XXXX card from 2019. The rep said I couldn't get detailed information on the account because I just submitted a dispute. Then I called today and asked for account information ( billing statements ) and was told I could receive them only if I submitted a dispute and that if I pulled the dispute I wouldn't be able to access that information. 

I read on your website that debt collectors are required to provide validation information. I spoke to a supervisor today ( operations manager last name XXXX ) who said the only way I can receive VI is to continue with the dispute. I believe this is illegal and she was stonewalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've tried to dispute a XXXX account that a fraudulent account because I was in XXXX also a account with XXXX XXXXXXXX and also all those inquiries on my credit reports that it wasn't me can you please help get that all deleted from my credit reports and I can't seem to update my phone number for the ID theft to not issue any more credit unless I'm contacted first thanks 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 2021-10-19
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regions delays payments into accounts and prioritizes payments out of accounts in order to force overdraft fees. They do this multiple times in rapid succession so they can charge you in excess of {$100.00} at a time. They can not be trusted to resist the temptation to take advantage of this lack of transparency in order to parasitize their clients. Consumers should be educated about financial institutions that engage in levying and extracting predatory fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Patenaude & Felix A Professional Corporation
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was sued for an open credit account in XXXX XXXX XXXX XXXX. I am not a XXXX XXXX resident. The contract has an arbitration clause. When I answered, they asked the court for an exparite motion to dismiss as they were not pursuing the lawsuit. 

This is after I had already filed an arbitration case with XXXX. 

I have a couple of concerns about this debt collection firm and XXXX XXXX - their client. 

Are they going after people in a different county to garner an easy default judgement or to strong arm a person to contact them to make payment arrangements via the filing of frivolous lawsuit -they know that they have waived their right to arbitration when they wrote the contract with the arbitration clause. But are using a system that they bar consumer from using. The filing of a lawsuit by an attorney is threatening to people and is an unfair advantage over other law-abiding debt collectors who do not violate the contact their client wrote to collect money. Their lawsuit is a breach of the contract they wrote. 
Upon filing my motion for dismissal or compel arbitration, they sent an expatriate motion to dismiss the lawsuit by saying they were not pursing any legal action at this time. The case is XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached the amended complaint I sent to XXXX. 

They did the same thing in XXXX XXXX case : XXXX My biggest concern is that people are being strong armed by an attorney or flat out having their checks robbed of ill-gotten gain from a national corporation and their questionable attorneys who breach the contract with every lawsuit. They volunteered to cut the courts out via an arbitration clause. They should have to live with that choice. My hope is that the state would look into the hundreds of cases filed by this group and return the ill-gotten gains back to the consumers along with an injunction stopping them from filing any frivolous claims in a court room. They choose to use the arbitration venue and they should be forced to use it from here out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Over the past XXXX years, I have trying to get this information removed from my report at Experian. I have made over XXXX complaints ' with CFPB that Experian only updates the incorrect information instead delete it as XXXX did after investigations of the matter. I am Demand them to Delete the account it has been over XXXX years of incorrect information. They have stretched the law for XXXX years

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 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A fraudulent inquiry was made today on my Transunion credit report by XXXX XXXX. I was alerted via a credit reporting watch I have with Transunion. A screenshot of this inquiry is below. I called with no resolution and have written a letter. 

I have no open accounts with XXXX and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted XXXX XXXX. I sent a letter to : XXXX XXXX, Attn. : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX specifically asking to be certain XXXX XXXX was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you please remove this to the 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 2023-10-13
Company: EQUIFAX, INC.
State: GA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I purchased a XXXX watch at XXXX for {$420.00}, order # : XXXX. After several days of waiting without receiving my order I called customer service and was told the item had been lost in transit and a replacement would be delivered by XX/XX/XXXX. Instead, on XX/XX/XXXX I received an empty package with several red stamps saying, RECEIVED WITHOUT CONTENTS ... and RECEIVED IN DAMAGED CONDITION ( pictures attached ). At this point I called customer service to cancel the order and get a refund, which I was told would be processed within a week or so. I also called USPS to notify them about the incident. 
Since then, Ive called XXXX several times and been told that they had already issued the refund but Capital One wasnt allowing to receive the payment. After back and forth by phone with customer service and the promise that I would receive my refund I finally received an the first email from XXXX since this purchase but just to inform the denial of my refund, with the reason that the order was confirmed delivered on XX/XX/XXXX. After filing a dispute with Capital One and providing with all the details and evidence that I did not receive the item, they have refused to refund the charge. As my credit card company, I believe they are supposed to protect me from theft and/or fraud, which is obviously the case here. Attached are photos of the empty package I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MD
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:
XXXX, Equifax and XXXX are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in Texas and I've never lived in Texas or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquires XXXX This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Bread Financial Holdings, Inc.
State: FL
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:
I attended a time share presentation at the XXXX XXXX resort owned by XXXX with my husband on XX/XX/XXXX, arriving at XXXX. I had received an invitation when at XXXX to attend and receive a free gift. We sat through the meeting and tour with a XXXX time share presenter and real estate agent, and then were given the sales pitch by the real estate agent and the financial representative. We at no point made a purchase or authorized the use of my information to be used for any purchase. They lied and said the needed my information to pull up an individualized offer for a timeshare. We declined any purchases. In the mail on XX/XX/XXXX, I received a notification that a Comenity Vacation Club Credit Account with a {$10000.00} limit had been opened in my name on the same day as the tour at XXXX and a report that my credit had been hit by XXXX and a significant reduction in my credit score had occurred. I immediately contacted Comenity via phone and cancelled the card due to identity theft and fraud. Comenity indicated that they would report the credit account being opened fraudulently to XXXX but did not know if any other accounts had been opened in my name. I have contacted XXXX timeshare division asking for a supervisor but have not been contacted at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
- In XX/XX/XXXX, I learned upon looking at my credit report that a company named XXXX XXXX XXXX had reported a collection account in my name for the amount of {$2200.00}. Since I didn't recall any outstanding debts, much less from this company, I disputed that with the credit Bureaus and they responded to my dispute saying that XXXX XXXX XXXX had validated the debt. 

- On XX/XX/XXXX. I sent a letter by certified mail to XXXX XXXX XXXX disputing the validity of the debt and asking for their proof that I own this debt and also their authority to try and collect this alleged debt. ( letter is attached ). I also made this a cease-and-desist request and requested that they remove this wrong information from my credit report unless it was 100 % verified. 

- On XX/XX/XXXX. I received an email from this company with a pdf file attached. ( both the email and file are attached here ). In this email, XXXX XXXX XXXX notifies me, for the first time, that a negative credit reporting action might be taken against me. After they have reported this item, without proof, for over 3 months. The pdf File shows an invoice that I have never received from an apartment complex and does not bear my signature. 

- On XX/XX/XXXX. I Sent a second letter by certified mail to XXXX XXXX XXXX, explaining how they were in violation of my rights and allowed them an additional 30 days to produce the proof I had requested on my previous correspondence. ( Please see attached letter ). Again, I requested for this wrong information to be removed from my credit reports. 

- On XX/XX/XXXX. I sent a third letter by certified mail to them. ( Please see attached letter ). In this letter, I stated once again how they failed to produce the appropriate proof that shows I'm liable for this alleged debt, as well as informing them what " Estoppel by Silence '' means and how refusing to respond to my requests must mean that they are in agreement with my statements. I allowed them an additional 15 days to resolve this matter, and I even mentioned my intentions to file this complaint if I did not receive absolute proof, or if they did not remove this false information from my credit reports. 

As of right now ( 30 days after the last letter ), XXXX XXXX XXXX has not provided any proof of my responsibility over this alleged debt. Neither have them responded to my last 2 correspondences in any way, shape or form. Therefore I am filing this formal complaint against them. 

This has been EXTREMELY damaging to my reputation and to my ability to acquire credit. I am a small business owner and the inability of securing a credit line has put tremendous amounts of financial strain on me and my family. I sincerely hope I can get this issue resolved through this formal complaint. 

All correspondence mentioned above are being attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my daughter had dental work done we have dental insurance at the time so some of it was paid. On XX/XX/XXXX I paid last payment and got a receipt saying patient balance XXXX. I call the insurance company today and got them to look into the account and see if they have proof that the insurance paid their part and they did. I called the collection company today and the lady kept saying I owed it and that that receipt was old and that I owed it. I told her it clearly says patient balance zero. She was not making since. If you see a statement that says the patient balance is zero how can you argue that. I told her do not contact me again about this no more letters which the only letter I have is the one I got today. To add to this I only knew about this cause its on my credit report so the collection department sent me a letter. Saying I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Affirm Holdings, Inc
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Purchased item from XXXX that was sold by and shipped by XXXX using Affirm financing. XXXX never delivered order items and both XXXX and affirm refuse to cancel the loan. 

XXXX order # Order # XXXX Affirm loan id XXXX XXXX shipped the wrong items. Blatantly wrong different model, part number, price, features, etc. XXXX then refused to offer any options except I pay {$8.00} to ship the wrong items back to them and refused any refunds or reshipment of the correct items until that happened. There are XXXX other orders that they also messed up at the same time for tens of dollars and those strangely got refunded. The {$850.00} order strangely was not despite being the exact same issue. 

That is XXXX times they have broken FTC trade law using the commonly accepted definitions. 
XXXX XXXX XXXXXXXX I reached out to XXXX for resolution. Their only answer is illegal. Went through Affirm 's dispute process and they sided with XXXX because XXXX 's actions follow XXXX policy, which could not be provided in writing by either XXXX or affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage failed to pay my homeowner 's insurance on time which has resulted in a notice of expiration from the insurance company. I contacted the call center on XX/XX/2023 and was told that the insurance payment was sent via snail mail two days before the due date. This is unacceptable! There was enough money in the escrow account to cover the payment long before it was due. They do not allow their customers to make payments after the due date without charging a late fee. Therefore, it is my expectation as a customer that they pay insurance and tax bills on time. We are at the height of hurricane season in Florida. If this payment gets lost in the mail and our policy is cancelled, I can only imagine the nightmare that will ensue for me as a homeowner if a hurricane strikes our area before this issue is resolved.

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