BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Sunday XX/XX/2023, in XXXX Indiana I attended XXXX XXXX XXXX XXXX with a group of friends where one of my friends played a XXXX game with the company XXXX XXXX XXXX. The woman running this game scammed both my friend and I out of money. She wasn't telling us how much each shot would cost and had the rule that after a shot was made it had to be paid. So we believed the cost was not going to be a lot since it was a carnival game. My friend wanted to win the biggest price so she spent so much money for it she was no longer able to pay her last shot because her Chase account was frozen and she was unable to get in contact with Chase due to poor signal. After standing at this game for thirty minutes as she attempted to get in contact with her bank I told the woman we were obviously unable to pay it and that since we hadn't gotten a price anyway we were just gon na leave. However the woman refused and threatened to call security if we did not pay some of the last shot which was a almost {$700.00} dollars. I only paid it because she was holding us there until I paid it. I have tried looking for this company online in order to get my money back and contact my own Chase account to get my money back because my friend was able to get her money back from Chase over the same issue but I wasn't. I also read that you make a complaint within 60 days of the fraud you are not held liable for any of the fraudulent purchase with your bank if you did not lose your card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a harassing letter from the servicer regarding my home owner 's insurance and the renewal. They have the information on file and have even reviewed and approved the insurance. Despite this, they are threatening to use force placed insurance on our residence. Servicing of this loan was recently changed to this servicer and they should not send this type of letter. They should communicate with the prior servicer if there is any issue.

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 2023-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE BEEN FOR YEARS REACHING OUT TO SPS FOR HELP IN CATCHING UP ON OUR BEHIND MORTGAGE. WE get the death ear and we get we CAN NOT HELP!! Our issue has not changed and in the years past they have offered us modifications for a MUCH LARGER monthly payment then what we were already paying. IF we could not pay that amount how were we gon na be able to pay the new amount. WE HAVE ASKED about re financing and ALL OF THE ABOVE. And we get NOTHING in return from them. NOTHING!! We write letters for help send modification requests every month. WE HAVE REACHED out to the firm trying to collect the debt which was stated in their OFFICIAL letter to us, if we can pay. PUT IT IN THE MAIL OVER NIGHT AND IT NEEDED TO BE SIGNED FOR AND NOTHING FROM THE EITHER. No letter back, email nor phone call from either party. THIS IS INSANE! SPS states in letters and on their own line site they are THEY TO HELP!! NO THEY ARE NOT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Spring Oaks Capital, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payment to the Yard Card TD Retail Card Service. I was unaware of a large insurance payment that was coming out of my checking account and my payment to Yard Card TD Retail Card Service did not go through due to insufficient funds. 

Yard Card TD Retail Card Service in fees and then lowered my credit limit to below what I currently owe directly impacting me to be over my credit limit with them. 

They make the process of getting information cumbersome XXXX employee XXXX was the employee I spoke with. 
This is a destructive practice causing great harm to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted on many occasions over the past few months to get XXXX XXXX to send me a billing statement that clearly shows that I owe this debt to them, including the services that I am being billed for. 

After explaining to them that I will not pay a bill that does not show the charges for the services that I am being charged for, they have refused to communicate with me, and turned me over to a debt collector, Revco Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Amsher Collection Services, 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:
Identity theft accounts still appear on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CCS Financial Services, Inc.
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX CO XXXX XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Reported XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CapitalOne closed my account and claimed that check I deposited was fraudulent. 
I usually deposit my check into my XXXXXXXX XXXX but after latest updated app was not responding so I did a mobile deposit into Cap1 account on XX/XX/XXXX ( I've had it and actively used for can not even recall how many years ). 
Today I received email stating that my account is restricted until Cap1 verifies recent activity. After I logged into account, i saw that check deposited on XX/XX/XXXX was reversed. I called in, i was told to upload some verification docs, and call back. I uploaded my DL, called back and after barrage of question whose check it is, why i deposited i into cap1, and so forth I was told that check I deposited was fraudulent and my account is closed as of now. Any attempt to resolve fell on deaf ears. 
To add insult to the injury Cap1 refused to provide a timeframe for my money becoming accessible ( wire/transfer out or just check by mail ) claiming they need to do a " review ''.

The fund in my account are from previously CLEARED checks. Those are not Cap1 money to hold indefinitely. Those money are intended for bill payment and Cap1 is preventing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2023-08-09
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have my credit frozen with all three credit bureau 's for the last XXXX months and have the XXXX XXXX Police continuing to investigate my identity being stolen. I was made aware today that {$26000.00} in debt is attempting to be collected from a company that was granted to an address in Florida that was not myself clearly. I am uncertain how this was granted as XXXX notified me of the credit report change, but my information is frozen with all three credit bureau 's so how this was bypassed I am not sure, but very alarmed. 

The company attempting to collect the debt and sending me a fraud packet goes by the name of IQ Data International.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Spring Oaks Capital, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ran my credit this collection debt showed up the company won't give me information or proof of the original debt Spring oak Cap account on credit report filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: CT
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:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX XXXX I was associated with apparently opened an American Express Card account using my information and credit. ThaXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to use that account and to make payments on it until the death of my spouse of 49 years, XXXX XXXX XXXX. who passed away on XX/XX/2021. Within months of her passing, I received notice from American Express National bank that I was the named XXXX for the account in question. I informed them that I had never opened or maintained that account, and that it was opened by someone within the named XXXX XXXX without my permission, and that I was not the responsible party. I later learned that my wife had apparently opened the acoount without my permission, and I filed an Identity Theft claim with the FTC. American Express National Bank contends that since the card agreement was mailed to my address and the account was used, that I continue to be the responsible party for payment, now that the XXXX XXXX has closed. I continue to contend that I never agreed to open said account, never knew that I had been named the responsible party, and that I never benefited from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My spouse and I had an international trip planned in XX/XX/2022, which required using a credit card for the purchases for trip. Credit card company had locked credit cards= for suspicious activity for a {$34.00} purchase... locked both cards. However, during this time, the company also locked the accounts for new issued cards 5 times, leaving us without the use of a credit card for the trip, so we had to cancel the trip ... ..airlines, hotel, and rental car. We made several attempts on the phone, as well as 5 trips to local bank offices for resolve issues, but without any resolution even with local bank authorities, so we closed the accounts. After closing the accounts at a local branch, ( XXXX ), or at least we thought according to bank personnel, the credit card did not get closed by bank personnel. The company continued to leave the account open, generating service fees, as well as late fees. As with the credit card issues, we made countless trips to the local bank office, the account continues to be open, with delinquent fees. CC company has since turned the amount over to collections, where myself and wife get collection calls daily. Bank manager assures us the problem has been fixed, but when you check the account, the amount remains.

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 2023-08-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
See previous complaint w/ XXXX XXXX and XXXX XXXX . This time, Merchants Credit Assoc. has sent the request, with the correct account number and dates of service. However, as before, I paid this bill before XXXX sent me an invoice. I have no idea why XXXX sent this same matter to multiple collection agencies before they sent me a bill, especially since I already paid it. 

I got no response from XXXX through CFPB from my previous complaint, but they did try to call me with a robot a couple of times. I usually ignore it, but when I answer, the only option they give is to pay them over the phone what they think I owe.

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