BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XX/XX/2020 XXXX : Remove Unauthorized Equifax Credit Report FREEZE To Whom It May Concern, With great urgency, I requested the removal of an unauthorized Equifax Credit Report FREEZE placed on my identity EFFECTIVE IMMEDIATELY on XX/XX/XXXX and XX/XX/2020. I I was asked to fax the below documents. I sent them twice via fax, the first time I was told they could not make out my Driver license and SSI Card, Blurry. I could not answer the computer generated question of the exact dollar amounts for the bank and student loans that grow in interest daily. I can not establish residency without the Freeze because I can not get water bill, electric bill. telephone, internet bill place in my name all agencies are using Equifax credit reports. My current property management company is paying my utilities as I can not but them in my name because of the FREEZE that I did not Authorize. I am being fined daily. 
XXXX  Dr Lic # XXXX SSI # XXXX New Apartment Lease signed XX/XX/2020 New Address - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX Previous Address - XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize Equifax Credit Report to FREEZE and to place an unauthorized FREEZE on my identity. 
I also was not compensated for the authorize Equifax Credit Report BREACHED, that apparently initiated this unauthorize Credit Report FREEZE on my identity. 

I called several time today XX/XX/XXXX, without success. Then I figured out how to get free Credit Report and they refuse to ask me the computer generated questions. Stating now extra measure have to be taken because you have called multiple times. PLEASE REMOVE EQUIFAX CREDIT REPORT FREEZE EFFECTIVE IMMEDIATELY TODAY XX/XX/2020 You can reach me by calling XXXX or by email at XXXX if you have questions regarding this request. 

Seriously Frustrated and Angry, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Chime Financial Inc
State: NV
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:
XX/XX/2020 @ XXXX ct, I noticed an email stating I made a transaction of {$2000.00} to an unknown person named XXXX XXXX through my Chime Account @ XXXX ct. The money was taken from my savings, to my checking, then transferred my {$2000.00} into their account. I dont know a XXXX XXXX, nor did I make any transactions. I couldnt log into my account easily either, I had to re-enter my email & password 3 times instead of my 4 digit pin. I called Chime and told them, I asked them to place a hold on the account for stealing {$2000.00} from me without me knowing. They told me to change my password, lock my card, & file a dispute but wouldnt temporarily place a hold on the thefts account. I filed the dispute but cant wait 2 weeks for a decision when it can be settled in mins. All Chime has to do is place a hold on this XXXX XXXX XXXX XXXX account, investigate the theft, but they choose not too. It feels like my account was hacked or an inside job too be honest!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regions is not protecting me as a consumer. On XX/XX/22 right before XXXX I deposited 3 money orders totaling {$3200.00} into my personal checking account and was told verbally by and via document by XXXX XXXX the teller that the money would be available the next day ( XX/XX/22 ). I checked my bank account on XX/XX/22 ( today ) and saw that not only was the {$3200.00} not available, but the funds I deposited will not be available until XX/XX/22. I am about to make a large purchase, I need my funds available yesterday.

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 2020-12-16
Company: Specialized Loan Servicing Holdings LLC
State: AZ
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:
Hello Im am XXXX XXXX SLS continues to harass me with incorrect and illegal information on my credit reports. I have called multiple times asking them to report correctly. I have filed multiple times with credit bureau XXXX to correct this they continue this complaint has already been repaired. SLS mortgage company puts late marks on my account ever month. They remove previous months at the end of month and add it to the next month even before due and in forbearance. They purposely dont report my payments to continue to bring my credit down. This is all after I turned them in for slow responses trying to reaffirm my loan. Now they have closed the account. 
I have no late payments on any of my accounts before and after my bankruptcy. 
Please help me correct this so I can refinance in XXXX to get away from this company. My payments are setup for the XXXX of each month due to being XXXX and only paid once a month. They were unwilling to me be my due date a few days. I have include statements with SLS payment when they pull the money. 

SLS mortgage company Account # 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 2020-06-23
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, a debt collection company named Capital Accounts sent a collection notice from the creditor called XXXX XXXX. 

This alleged debt is fraudulently created by the XXXX Office who falsified the procedural agreement between the patient and XXXX  by sending a false statement from what was agreed on the service requested. 

The XXXX  office sent numerous charges that inconsistent and created false XXXX  procedures which was not performed and can be easily proven by another operating XXXX. 

The creditor ( XXXX XXXX ) created a falsified treatment plan in order to increase the amount charged through the patients XXXX insurance and billed 3 different inconsistent patient ledger. 

I have contacted the XXXX  office to fix the issue and still the XXXX  practice ignored the plea and request. 

I am willing to submit additional evidence if requested but will not submit since there's Personal Identification Information within the documents available. 

The collection agency ( Capital Accounts did not verify the validity of the debt through the XXXX  office. There was no procedural process to present that the debt is valid or the amount owed is correct and is still in the process of correction from the XXXX Office. 

The office is using fraudulent billing and collection process in which requires an investigation from a competent authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX and I used to live in XXXX XXXX XXXX XXXX, XXXX XXXX Florida. I always paid my bills on time I have 100 % of payment on time on my credit report and I was just blindsided by this negative report made by ideal collection service. It was regarding {$64.00} and I never got a letter or a phone call saying that I had this depth regarding water bill thats what they say to me when I called Them yesterday. I take care of my credit very closely and I really care about my reports and I do my best to be on top of my hundred percent payment on time all my payments are automatic pay so I will never forget about them. I never got any phone calls from XXXX XXXX or the collector office. Im really upset that my credit decreasing 42 points over {$64.00} that I have no idea that I had to pay. I found out that yesterday and I already filled out a check and I send it out to Ideal Collection. I think what they did wasnt fair. They hurt my credit bad. Im really upset about this and I hope they will remove this bad report after my check clears up. 
Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: WLCC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Starting on XX/XX/XXXX I took a payday loan from this company in the amount of {$750.00}. Starting on XX/XX/XXXX they were deducting payments from my bank account through ( PAD/ACH ) on every other Friday, bi-weekly until XX/XX/XXXX where I had paid in full the amount of {$1500.00} including interest. On XX/XX/XXXX I took another loan for the amount of {$780.00} and starting on XX/XX/XXXX they started taking payments through my bank account ( PAD/ACH ). As of this point I have already paid {$3800.00} and still owed {$740.00} on XX/XX/XXXX. I XXXX  added another {$260.00} to make it look like {$1000.00} on XX/XX/XXXX. On XX/XX/XXXX i made a payment of XXXX and every other Friday after that I made payments of {$270.00} until XX/XX/XXXX in the amount of {$2200.00} and still owe the amount of {$900.00}. Starting on XX/XX/XXXX i put a stop payment on them when I started to see that they were taking these payments and not lowering my principle. They called and when I asked why they were not lowering my principle the agent said unless I make a special payment just for the principle they will continue to deduct {$270.00} from my account forever with no ending. Also they are calling my Job harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: SUCCESS MORTGAGE PARTNERS, INC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
From XXXX to XX/XX/XXXX, my wife and I worked with the XXXX XXXX XXXX to close on a house, which I currently resided in. From XXXX to XX/XX/XXXX, my wife and I worked closely with our XXXX XXXX XXXX agent, who worked at the XXXX XXXX XXXX. During this time, I sent multiple paystubs, applications, and documents ( to include my VA XXXX Letter ) to our XXXX XXXX XXXX agent. Unfortunately, we found out through our XXXX XXXX  XXXX agent that she was fired sometime between XX/XX/XXXX and XX/XX/XXXX. 
Because of this, the owner of the XXXX XXXX XXXX ( NMLS #  XXXX ) took over to assist us in closing on our future home throughout the month of XXXX, XXXX. Since the owner of the XXXX XXXX XXXX took over, we had to resubmit ALL of our documents to the owner of the XXXX XXXX XXXX via email and seemed like he was confused on the appraisal of the house. In order to ensure that the house appraisal was correct, my wife had to recruit the assistance of our realtor to provide the accurate home appraisal. I had multiple conversations with the owner of the XXXX XXXX XXXX to clarify my VA Rating being XXXX %, not XXXX %. The closing of our home was postponed and rescheduled two different times. Finally, my wife and I closed on our home on XX/XX/XXXX. 
In XXXX of XXXX, I received a letter from my current mortgage company, XXXX XXXX  ( XXXX. XXXX XXXX, XXXX, TX XXXX ), that I have an Escrow Shortage of approximately {$7700.00}. Sadly, XXXX XXXX only provided me 1 week notice that my mortgage payment increased from {$1300.00} to {$2000.00}. After multiple attempts, XXXX XXXX  was only able to provide a 3 year payment plan that decreased the {$2000.00} payment to now a payment of {$1900.00}. I also called the XXXX Tax Appraisal Office to figure out what happened. After discussing my issues with my agent, she explained that apparently when my house was being closed on, the original lender ( XXXX XXXX XXXX ) was using the wrong appraisal information. The agent also mentioned that my VA XXXX was wrongly inputted as XXXX %. I explained to her that I was rated at XXXX %. In the county of XXXX, veterans rated at XXXX % have no property taxes. Veterans who are rated between XXXX %, get a discount on property taxes. Because of this discrepancy, I now have an escrow tax shortage of {$6000.00} and an insurance shortage of {$1700.00}. All of this could of been paid off if my original lender ( XXXX XXXX  XXXX ) used the correct home appraisal information and used the correct VA XXXX Rating. Throughout this process, my family and I have incurred late fees and extra mortgage costs due to the XXXX XXXX XXXX mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/18 I went to the transunion web site for a free credit report. I filled out the info and got my score. I then received an email saying that I owed {$19.00} and would get a recurring monthly charge for that amount. 

There was no indication upfront that I would be charged or that I was signing up for a monthly service. 

I called their support number and after 15 min or more of them telling me of all the great services this provided I was able to get my subscription canceled and told I would get my initial {$19.00} back after 3-5 days.

There needs to be a very noticeable warning that if you enter the info you're going to be charged. 

I am outraged that they can get by with this kind of deception!

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 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One charged too much APR interest and never reported the good standing of the account until things went down hill and they reported the good and bad at same time. I had a XXXX XXXX in XXXX   and wasn't able to get in contact with them. When I checked they had put lots of late fees and put I used the credit over 100 % with the intention to hurt my credit more than the usual. I feel they want to defame my name to other creditors who can see my credit report and also feel they want to take control of my identity. I strong believe this bank broke the FCRA law in all kinds of ways. Pictures are attached for proof. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: ND
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:
I submitted a dispute with Experian, XXXX and XXXX concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu. 

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.

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: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account without a prior notice and for no reason and with no help from them from getting it back. i am not sure if this is some mistake as ia ssume it has to be .I have not been able to get help from them since then but i just remembered i could file a report on here as i could feel they are not doing theyre job properly and it is effecting me a great deal as i using paypal frequently .. My email linked in my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to fix this situation through XXXX and XXXX. The debt was from a prepaid credit card the cash I put up front for the card. Second the amounts do not match the bill is for XXXX but the debt they are trying to collect is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 sent several letters to these companies which are : 1.Capital one auto Finan, 2.XXXX XXXX  XXXX, 3.XXXX  also known as ( XXXX XXXX XXXX XXXX ), and 4.XXXX  XXXX asking them to send me validation or Verification of the debt that they claim I owe. It has been more than 30 days since I sent these letters out with No response These company is reporting fraudulent information on my credit report Which is Violating my consumer rights. They are required to respond to my letter within 30 days. Since they have not these companies most send a letter to the three credit bureaus XXXX XXXX XXXX that they most delete these companies off my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2020-06-23
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/2015 I discovered entries on my credit report that I did not make. There was an entry of {$4400.00} owed to an apartment complex that I new nothing about or had anything to do with. I contacted the police department and made an identity theft complaint. I also filed an identity theft complaint with the Federal Trade Commission. I sent copies of my FTC affidavit and the police report to XXXX, XXXX and XXXX XXXX. However, the item is still being reported by an ageny named Rent Recovery Solutions, LLC. Rent Recovery Solutions , LLC , is reporting this fraudulent information in my credit file. I was a victim of identity theft. I took all the necessary steps to resolve the issue but Rent Recovery Solutions is still reporting this negetive entry in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: OH
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 SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXXXXXX XXXX XXXXXXXX # 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