BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I began receiving calls from an unknown number onXX/XX/XXXX. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/XXXX she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated Alternative Dispute Resolutions or ADR. He proceeded to tell me that XXXX XXXX XXXX was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which time XXXX XXXX XXXX would proceed with a lawsuit. I stated that I would like to speak with XXXX XXXX XXXX and he said he could not provide any contact number for his client. I advised him that I would still be contacting XXXX XXXX   XXXX. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/XXXX. The debt I had from XXXX XXXX XXXX is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number ( XXXX ) XXXX, it comes up as the number to a property manager.  When I look up the business name they gave me, Alternative Dispute Resolution/ADR, no business comes up, only the definition for Alternative Dispute Resolution.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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 purchased an item from XXXX for {$52.00} on XX/XX/XXXX. The item did not come with all of the advertised accessories. XXXX found my claim valid and accepted a partial refund or full refund with return of the item. I chose the full refund option. I followed all protocols provided to me, including shipping it on my dime, after being reassured I would be reimbursed for the cost ( {$14.00} ). XXXX later denied my claim, offering me no refund. 

On XX/XX/XXXX, I filed a dispute with Capital One. They gave me a temporary credit for the amount. 

On XX/XX/XXXX, they denied my claim and reapplied the charge, asking for more information to continue the dispute. 

On XX/XX/XXXX, I faxed Capital One pictures of how the item was not as described, messages between the seller and me, as well as proof that I returned the item. XXXX locked all information regarding this purchase when I disputed the charge, making it difficult to obtain the information Capital One was asking for, but I provided everything that was possible for me to obtain. 

Later that day, I received a denial from Capital One saying that " it lacks all of the previously requested information needed to validate your dispute '' and my case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MJ ALTMAN COMPANIES - trying to collect a debt which does not belong to me. I have contacted the creditor, a medical company, and then have no records for me in their system. I reported this to MJ ALTMAN on more than 1 occasion, and they refuse to stop the collection. They have now reported me TWICE - two trade lines, to the bureaus, for a debt that does not belong to me. This has taken my score down over 100 points. Please help me in reaching out to this company. They will not go back to the creditor as I have to check the mistake. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
THE LISTED ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE ACCOUNTS NOW.

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 2019-02-28
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX  - Experian is giving the member no way to actually reach a human when dialing ANY of the numbers listed for them. They are reporting a collection on my account that DOES NOT BELONG TO ME. I have disputed it once already. I have contacted the creditor and they have searched me in their system and can not find records for me. I have contacted the Collection Agency with this information and they continue to report negatively and now are reporting me twice as late. I am trying to contact a human at Experian however their IVR gives no option to zero out to a human. Furthermore their website will not allow me to file a dispute online. They direct me to a number which allows for no option to talk with an agent. XXXX. I have also tried all of the other numbers listed for them ; same result. This should not be allowed. The other bureaus ( XXXX  and XXXX  ) have easy user options to contact an agent. Please investigate. TY

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 2023-12-05
Company: Paypal Holdings, Inc
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a dispute on PayPal CASE ID XXXX XXXX reporting an unauthorized transaction. Exactly four hours later, I received the message that my claim was denied, and they did not discover any unauthorized transaction.

This seems a very fast response, considering they said it would take up to 10 days to investigate. I phoned PayPal and a representative told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police.

Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that Based on our review, we found this transaction is consistent with your PayPal payment history.

I use PayPal sparingly, never above {$100.00}, and only from my home computer. So, the transaction in question was certainly not consistent with my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NC
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 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. 

I told the XXXX to reinvestigate the following accounts, 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 I told Equifax to reinvestigate the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told XXXX to reinvestigate the following accounts, 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We spoke to Citizens Bank on XX/XX/19 in regards to placing a hold on our account so no unauthorized charges could come out as we are disputing charges from wepay as they are not authorized to take any funds from our account. We sat on the phone with Citizens for upwards of two hours total to get a hold put on our account so nothing could be withdrawn and only deposits could come in. The customer service representative assured us nothing further would be withdrawn. And they advised us to open a new account so we could stop this from occurring again, as {$450.00} was already withdrawn previously without our consent. Then today I check our account and there was another withdrawal of {$240.00} from wepay which we were told would not occur. On both occasions this put our account well into the negative and as a one income household this was something we could not afford. So yet again after the lengthy conversation we are out nearly {$750.00}. I have already spoken to them and unable to get this money returned to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 remove these inquiries. I dont recognized them. I have file identity theft report. See attached. 

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 2022-12-08
Company: Experian Information Solutions 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$710.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX {$500.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Originalcreditor XXXX XXXX XXXX XXXX. ) XXXX Date opened : XX/XX/XXXX, XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) Dateopened : XX/XX/XXXX Balance : {$370.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXXInquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : 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 2019-07-27
Company: PROVIDENT FUNDING ASSOCIATES
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My ex husband was awarded the property in our divorce. Although he was awarded the house in the divorce, he has never transferred the mortgage loan to his name and apparently has no intention to. The loan is in my name only. His name does not appear on any documents on this loan. However, Im sure he has some rights because his name is on the deed. The loan is in default for non payment and set for foreclosure. My ex is now going to modify the loan which Provident is telling me he can do without my consent. Once again, his name is nowhere on this loan and never has been. Provident is going to let him modify this loan for the second time without my consent! 

I contacted Providents legal department about a year ago because my ex kept changing the contact information on the account and eventually blocking me from logging in to the online account. I was told by the legal department that he could call in and change contact information but it was illegal for him to block me from access to the online account. I have set up a call in password and requested that it be asked for every single time a call is made. Sometimes they ask and sometimes they dont. We went about a year with no changes to the account and I was able to log in and keep an eye on all activity. Just recently I tried to log in to the account and was denied access. When I called Provident I was told that all the information had been changed by my ex. AND that it was perfectly legal! 

Provident Funding continues to report negative activity against me to the credit bureau. 

Please advise me how to elevate this complaint as it is clear that Provident violated their own privacy policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I had a few fraudulent charges on my account from XXXX. So they charged XXXX XXXX XXXX XXXX and XXXX XXXX Interesting thing that transaction from from XXXX for XXXX $ and XXXX XXXX They approve. But XXXX XXXX Not they said we have reason to believe that XXXX $ + made by me but another transactions on the same day is not. 
From my experience I know that hotels put holds from XXXX $ to XXXX XXXX If it was a hold. Why it is not disappearance? Shame to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: SC
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:
I sent Experian via certified mail my first letter datedXX/XX/2023. I stated to them that I checked my consumer report and found inquiries that I did not authorize on my report. I stated the following in my letter : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

After no response I sent my 2nd letter dated XX/XX/ via certified mail, which they signed for XX/XX/2023 I again reported the unauthorized and fraudulent credit inquiries and requested they delete them. I also attached my DL, SS card and proof of residence to provide proof of my identity. After 60 days they neither marked the accounts as disputed or sent a reply to the residence that I provided. This is in direct violation of federal and state law as I, the consumer am legally allowed to dispute all errors on my consumer report and they have failed to investigate or respond to my certified letters as required by law.

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 2019-10-08
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call from this business this evening from a Georgia number. I am assuming that this number is spoofed since they asked me to callback a completely different number. I was at work so I did not immediately answer. I later received a call from my mother who explained to me that they left a voicemail with an account number while informing her that this was a debt collection call. They left the same exact recording that I received which included an account number and the fact that this was a debt collection call. 
I called the phone number on the voicemail and spoke to a representative that was very rude and unapologetic. She said that she has just received my account but when I asked why they had called my mother they said that they had been trying to call me for a year. My complaint is that they not only are using harassing methods of contact, they are not giving me any opportunity to call back without first calling my family. As the operator said, they " just got my account '' so there was no reason to contact other phone numbers. Additionally, they are illegally leaving account information on my family 's voicemails. The company also threatened that the will no longer use " voluntary '' means of communication. I am not sure what that means but it is also illegal. Finally, when I advised that they no longer had permission to contact my family, the representative ( Mrs. XXXX ) advised that they have every right to continue contact with my family. Since they have already reached me, this is incorrect and illegal. Since the debt collector continued to talk over me I disconnected the phone call. 

I am attaching the voicemail that was left on my and my mother 's voicemail.

Company response to consumer: Closed with explanation