BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, ACCOUNT RESOLUTION SERVICES ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX FL, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sol and I am no longer responsible for the account. I've written a goodwill letter, called multiple times and provided proof of fraud activity goin on my name. I was told from one agent it will be removed and I have received no efforts.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature doesnt not validate the debt and anybody can send me a bill and say its mine. According to the FCRA, ( ACCOUNT RESOLUTION SERVICES ) has violated my rights as a consumer and im requesting legal action to remove this account immediately.

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 2018-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Already reported Capitol One 's egregious and fraudulent overdraft fees for XXXX payments, 4 fees charged for a total of {$170.00}. Wrote a complaint to CFPB, and bank then refunded the fees since I did transfer XXXX the day before. They never sent me the letter posted on CFPB, I NEVER received the {$25.00} customer service credit either! 
Please help me get the {$25.00} credit they promised to send to me that they never sent. I also want them to mail me this letter they only sent to CFPB and not me. Disgusting bank practices. Not happy with this bank or their services!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified Transunion that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX OF XXXX {$320.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$5500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: BRite Financial Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Brite Financial Services- Account opened approximately XX/XX/XXXX. Co-signer on this car loan account. Bi-weekly wages were garnished in the amount of XXXX final payment was made on XX/XX/XXXX, and account has been paid in full but still reporting on credit report. contacted finance company, whom referred me to garnishing attorney XXXX for removal. contacted attorney, who told me finance company has to remove it from credit report. disputed with XXXX  and XXXX  with no resolve. item says it will report on credit until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  shows inquiries on my credit report that I dont recognize from XXXX XXXX dates are as follows XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and one inquiry from XXXX XXXX XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX a company called XXXX deducted 6 fraudulent transactions from my account ; 3 charges of {$120.00} and 3 charges of {$490.00} totaling {$1800.00}, for a company called XXXX. XXXX is a company that you can use when shopping online. They partner with online retail stores and allow you to break up your payments at check out, instead of paying one lump sum. I've used XXXX in the past when making purchases through XXXX XXXX XXXX. They have your debit card on file to deduct the weekly payments from your account. When I found the charges on my account I immediately contacted XXXX and disputed them. Within a few days they refunded the 3 charges of {$120.00}, but I've been unsuccessful in getting the other 3 charges back. I have reached out to them numerous times, requesting calls from supervisors, but have failed to receive a call back. I've been told by the reps through the chat option that the charges have been marked as non authorized. One rep then advised me they did not see that I was charged the 3 charges of {$490.00}. I've sent screenshots to them for proof, but still no refund. I filed disputes with my bank ( PNC Bank ), on XX/XX/XXXX and around XX/XX/XXXX, and they denied the disputes, because I have done previous business with XXXX. Today I reached out to XXXX via email and was advised that I need to reach out to my bank and file a dispute. I have also filed a dispute with the XXXX  for XXXX, and they ( XXXX XXXX replied stating that the dispute is still open and they can not refund the money until the merchant XXXX XXXX XXXX has refunded them. So they will not refund me until XXXX had refunded them. No one is taking accountability for this. I have never heard of XXXX, prior to this, nor have I ever done any sort of business with them. I am at a total loss and feel robbed of {$1500.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with XXXX, XXXX, and Equifax on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was at XXXX XXXX today XX/XX/2020 and I applied to see if i could finance a diamond ring, however, when they ran my credit I was told that I was not approved due to having an account in negative standing appearing on my credit history. I had no idea what account they were talking about so I looked through my credit report and I saw an account from XXXX Card for an amount of {$1600.00} in negative standing. This account is not mine mine ; I did not open it nor did I allow anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
BANK OF AMERICA - XXXX was included in Bankruptcy and XXXX just started reporting a balance for this account. The account balance should be {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with Experian, XXXX, and XXXX on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.

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 2018-04-27
Company: JPMORGAN CHASE & CO.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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:
Back in XXXX someone went into my personal and joint account and took almost XXXX out of both. I went to the bank right away they called fraud to get my money back. They opened up a new personal and joint account however one fraud charge was told was my fault because a pin was used. So I lost XXXX which was suppose to go into my personal Account. I was told I had 2 months to pay off the negative balance. Which we have been since the fraud we have had nothing but bad things happen with the bank. So we went to open a bank account with another lender and chase is sending us to check systems which is funny because we till still have a couple of weeks to payoff. Not only have I lost XXXX after fighting now I cant open a bank somewhere else. On top that my husband card keeps getting declined even though he has money in there.you reported us to check system For no reason knowing you gave us 2 months to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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:
I have asked for debt validation from Porfolio for Debt Validations since XX/XX/XXXX to present. I have certified mail receipts. Porfolio has not send me the the following information I requested : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also  violated. 
I am entitled per 15 USC 1692k Monetary remedies {$1000.00} per violation. Negative account must be removed and collection must cease per violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closing on our home took place on XX/XX/XXXX. 

Guaranteed Rate was our mortgage company. Closing appeared to go smoothly. Escrow account was set up based on XXXX property tax amount because XXXX tax bills were not released as of our closing. The closing attorney 's office, XXXX XXXX XXXX XXXX, XXXX prepared the lender 's title commitment according to the full XXXX tax bill amount, XXXX. 
The loan processor, XXXX XXXX, did not use the information in the title commitment. She got XXXX pulled up the tax bill online -- not realizing that XXXX taxes were paid in TWO installments -- and only accounted for the FIRST tax bill amount of XXXX. 

In XXXX, XXXX we were notified that our monthly payment was increasing from {$1900.00} to {$2200.00} due to a shortage in our escrow account. This was unexpected because XXXX property was {$6000.00} -- only about {$150.00} more than XXXX. 
However, because of the loan processor 's careless mistake, our escrow account came up very short when the taxes were paid. 

After extensive investigation on my part, our new escrow calculation was influenced by 1 ) the loan processor 's mistake, 2 ) Guaranteed Rate 's requirement for more money in escrow for cushion, and 3 ) the XXXX tax amount being the estimate for XXXX 's property taxes. 

My family has made it work, but a $ 300 monthly payment increase has been a hardship that could have been avoided if we were able to budget according to correct calculations. Guaranteed Rate 's mistake was the only reason we've had trouble. 

I've contacted the main loan servicing phone number, sent documentation to the servicer 's email account for escrow problems, and requested help from the loan officer XXXX XXXX and his supervisor XXXX XXXX. I've explained the situation and they've offered no help. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERNED I AM A SENIOR CITIZEN AND I GUESS UPON MOVING SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD ACCOUNT WITH XXXX IN MY NAME AND THE ACCOUNT was opened XX/XX/2019 and the amount is {$80000.00} and the account number is # XXXX i would like for the item to be removed thank you

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 2018-06-12
Company: JPMORGAN CHASE & CO.
State: CA
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 XX/XX/XXXX, I received a notification on my mobile device regarding unauthorized charges ( total amount of {$1000.00} ) made against my checking account with Chase Bank. Immediately, I contacted that institution concerning the fraudulent transactions whereas Chase Bank took the following actions : 1. Cancelled my Chase ATM debit card 2. Reissued me a new Chase ATM debit card 3. Reversed the unauthorized charges. 

Subsequently, on XX/XX/XXXX, the unauthorized charges were reinstated on my checking account. After numerous discussions with representatives from Chase 's claims department, including my numerous requests for their investigation procedures pertaining to my account, and any evidence regarding the unauthorized transactions, I was told they concluded the transactions were my responsibility and are in the belief that I had conducted them. I find this preposterous. Under Regulation E of the Federal Banking Code, I am warranted consumer protections against fraudulent activity committed against my bank accounts.

Chase Bank is alleging the transactions are mine. How can this be when the fraudulent activity occurred in XXXX California while I was in XXXX XXXX? The criminal acts began at XXXX XXXX  with the final occurrence at XXXX XXXX. I had last used my Chase debit card that same day at XXXX XXXX. So what Chase alleges, is that I purchased multiple items in XXXX XXXX and somehow made it to the XXXX XXXX XX/XX/XXXX store in a little over two hours. That is logistically impossible. However, Chase refuses to listen to logic and insists I am the person who made the unauthorized charges. I will reiterate, they have not released, to me, any information regarding their investigation into this matter, nor have they provided any evidence as to committed the unauthorized transactions. I strongly suspect, Chase Bank did not perform its due diligence investigating this matter, and figured their path of least resistance is to blame the customer as opposed to making a good faith effort in discovering the truth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXXXXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Advance America, Cash Advance Centers, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Have received numerous phone calls from Advance America for a loan I did not receive. They have my cell phone number, Social Security number and birthdate. They tell me I received 2 Loans in 2019, they did not specify the date, one for {$210.00} and one for {$120.00}. This was supposed to have taken place at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, local phone number XXXX. The phone calls I receive from the person that calls is XXXX. Advance America customer service phone is XXXX. 
I do not remember receiving these funds from them. I do not remember ever being approved for these loans. I do not remember doing business with them. 
When I called Advance America customer service they said they had records of these transactions. They will NOT provide me proof I ever received or even applied for these funds. When I tell them to talk to my husband to find out what is going on they refuse. Advance America customer service would not until I verified my personal information, then only gave him the year, store and amounts owed.

Company response to consumer: Closed with explanation