BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
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:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and XXXX XXXX. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my right 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am a single mom who gets paid every other week y. It appears PNC bank is just charging my account {$7.00} a day for going into an overdraft on top of already charging me {$36.00} for the three payments they made and another {$21.00} for going into overdraft, the whole system does not make any sense to me. I was lured into their program by being promised a {$300.00} bonus depending on the amount of money I deposited within a certain time. I did meet the criteria but they never honored it. Turns out the representative at their bank did not give me my checking account information but a savings ( reserve ) account number where my direct deposit ended up going and I did not qualify for the promotion. They do not provide checks so I had to depend on their representative to give me the appropriate information for the company I work for. To appease me because I filed a complaint they gave me {$100.00}. In addition when I opened the account I only wanted a checking they ended up opening two other accounts for me. Apparently it was part of the virtual wallet account package. However, I do n't use those accounts. I have a savings account with a credit union. Within less than a week I was charged the following : XXXX XXXX {$7.00} for service + charges fees XXXX XXXX {$36.00} overdraft fees XXXX XXXX {$21.00} for service charges + overdraft fees XXXX XXXX {$7.00} for Service charges + overdraft fees XXXX XXXX {$36.00} over draft fees XXXX XXXX {$36.00} overdraft fees I have attached a copy of my statement as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
I would like Transunion to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681XXXX which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and anxiety they have caused me and my family.

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 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/07 in the amount {$970.00}, I made a settlement payment on a charge off capital one account acct # XXXX to XXXX XXXX XXXX XXXX. Since that time Capital One has continued to report me negatively to all 3 credit bureaus resulting in a XXXX score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the XXXX receipt to the 3 bureaus to update the balance several times and stop further fraudulent late reporting but instead of updating the correct balance owed or marking as settled i was updated with 5 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX - XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: JPMORGAN CHASE & CO.
State: WA
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 used a XXXX XXXX XXXX credit card at a Chase Bank ATM. The Chase ATM did not dispense the cash. I called Chase, whom I have a checking account with at the same branch that has the ATM that did not give me my cash - yet still charged the {$500.00} to the XXXX XXXX XXXX card. 

Chase told me they were not at fault ( after being very rude ) and told me it was XXXX XXXX XXXX who was at fault. XXXX XXXX actually had nothing to do with it. It was the company " XXXX XXXX '' who services XXXX XXXX 's prepaid cards who handled the claim ( XXXX XXXX is the ONLY company who actually helped me in the situation here - so the previous claim filed should be disregarded ). Both XXXX XXXX and Chase told me the other was at fault and neither would fix - mind you this was a {$500.00} withdrawal of cash that I was charged for and never received. XXXX XXXX said it would take them over 2 weeks to investigate my claim. Two Weeks? So I asked to see the documentation on my claim since they were acting on my behalf - they refused. I called Chase and again, they refused to do anything. 

XXXX XXXX finally calls me because they get my complaint, and they help me out - and call Chase and finally get the story. Chase knows that their ATM malfunctioned and yet they still have not refunded my money. They KNOW it malfunctioned but they are still keeping my money. This is theft!!! 

I called a district manager for Chase bank - no response. Nothing. 

The location is the XXXX XXXX XXXX XXXX, XXXX WA XXXX p. XXXX I am so happy with the service from XXXX XXXX XXXX when I thought they were at fault they were actually the only one who offered to help me. I am flabbergasted and quite frankly questioning if what both XXXX XXXX and Chase Bank have done is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I live in California with the Equifax breach we are having to freeze our credit accounts with all 3 bureaus to help stave off the potential negative impacts of the data loss.
However, we are being asked to " pay '' a fee from the other two bureaus to freeze the accounts.
So basically, because one of the 3 main credit bureaus failed to protect our information and put us at risk, forcing us to freeze our accounts then the other two bureaus are profiting handsomely! 

We requested that Equifax reimburse us for expenses we incur with the other bureaus everytime we have to lock / unlock our credit accounts. 

They refused. 

We believe you should issue guidance that either the bureaus offer this service for free forever or compel Equifax to reimburse all of the people they put at risk. 

To expect the public to bear this burden is unfair and inappropriate. 

Please protect our interests ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2022, and continuing every day since, this company has been calling me multiple times per day from many different telephone numbers on my cellular telephone line to attempt to collect a debt I do not have any awareness of. I believe it may be for someone with a similar name, but I attest that the debt is not mine. Yet, the communication attempts aggressively and unfairly continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was notified XX/XX/2020 that I was behind on my loan payment with Heartland ECSI, which was in deferment prior to this. Although I had requested paperless/ email notifications, I was not sent an email notification at all. I called immediately and was prompted to make an online payment -- which I did on XX/XX/2020, this set up a recurring payment for XX/XX/2020 for the full amount due. I was told that this would cover the payments missed and prevent a report of delinquency to the credit bureau. Unfortunately, Heartland ECSI did in fact report this as a delinquency to the credit bureau. I called again, and inquired why this occurred, as I was told that the payment was made in time to avoid this credit issue. The representative I spoke with said that if I had made a One Time Payment on the day that I initiated the payment, it would have avoided the credit issue completely ; however since I was instructed to create a recurring payment ( that didn't go through until the 1st of the month, XX/XX/2020 ), this caused the payment to be a few days too late to avoid the credit reporting issue. This representative apologized for the misinformation from the previous representative, and she then informed me that I could take action to correct this issue and remove the delinquent notice on my credit. The representative sent me forms to apply for a forbearance. She said that this would resolve the issue and completely eliminate the delinquency on my credit. I filed for the forbearance as I was instructed and it was successfully applied to my account. Once the forbearance was active however, I noticed that the delinquency notice was still showing on my credit and my credit score was still significantly lower than prior to this notice. I called once again to Heartland ECSI, and inquired on why this was the case. The representative I spoke with stated that the previous representative was incorrect in the information she relayed to me regarding the forbearance. The representative said they could see the notes from that conversation, and he stated that a forbearance would have been able to resolve the credit issue if I did not make a payment at that time to cover the missed payments. He apologized for the misinformation that I had now received multiple times, and he said there was nothing they could do. My credit score went from XXXX to XXXX ( from the credit sources I checked ), and I now had a forbearance on my account due to the constant misinformation and lack of communication from Heartland ECSI. I would greatly appreciate if this issue could be resolved and corrected on my credit, as I was misguided by the incorrect information provided to me by Heartland ECSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
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. The Transunion XXXX XXXX is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX OF XXXX XXXX XXXX XXXX XXXX CARD 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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-06-14
Company: AXOS FINANCIAL, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I called Axos bank on XX/XX/XXXX to inquire about a promotion to receive {$100.00} bonus for depositing {$250.00}. A rep. named XXXX said that was all I needed to do. I specifically asked if I needed direct deposit and he said " No ''. They say it is a on recorded line. I asked them to preserve the calls. After I opened the account, I called again once my linked checking account was effective, to ask which account to deposit the {$250.00} checking or savings. A different rep. now says I need direct deposit or else I won't get it. I said XXXX told me so you should honor it. I asked to speak with a supervisor and they said he will call back the next day. He never called at all. I called again 4 business days later today XX/XX/XXXX and surprisingly XXXX answered again and said the Sup. left a secure message on their website for me and I asked again for a supervisor and XXXX said I can't speak to anyone else. It is absolutely below the basic business standards to not be able to get a supervisor. They lied about their terms on the phone giving me false information they should be responsible for and held to it. They lied about a supervisor calling on the phone. They won't make things right. I do not want to do business with them unless they pay me the {$100.00} and wouldn't of started with them without it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
For the third time, I received a debit card for an account that I had not opened from ( in this case ) Square. Although the card says " Issued by XXXX Bank '', which is a bank based in Ohio, according to XXXX Bank, Square uses XXXX Bank 's institutional identity to issue the debit cards but the accounts are opened through Square ( or Block as I believe it is now called ). In the previous two cases, I received debit cards from CashApp but this is apparently also through Square or Block. 

I have asked Square to again cancel these accounts but I keep receiving these new debit cards as if the accounts are still open. I would like to have written confirmation from Square/Block that they will not open any more accounts or issue more debit cards using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint against Capital One initially on XX/XX/2020. My complaint was directly related to reports of a late payment on my credit file. I notified Capital One that I am disputing this derogatory mark on my report and asked for verification or proof of accuracy bearing my signature. Within 30 days I had heard nothing back from them nor was this item marked on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question. I filed a complaint with CFPB on XX/XX/XXXX and on XX/XX/XXXX I received the response from Capital One stating that " ... .. we are respectfully declining your request that we ask the CRAs and to change the information we're reporting about this account. 

In your submission, you stated that we have not responded to your previous correspondence. We have reviewed our records and we have not received any correspondence from you regarding this matter. 

On XX/XX/2020, we requested that the CRAs report your account as being disputed by you. Please allow up to 60 days for these agencies to update their records ... '' I have two documents that prove that Capital One did, in fact, receive two different correspondence items sent certified mail by me one in XXXX and one in XXXX. Additionally, if they supposedly received no correspondence from me, then how, on XX/XX/2020, did they know that they should request that the CRA 's report my account as being disputed by me? 

I would like this information to be immediately removed by Capital One as they are clearly not acting in good faith and have even outed themselves as liars in their very own letter. I have attached both documents providing proof that they received my correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GC services was contacted by my local court cause I owe the court money for fines I don't have {$5000.00} dollars to just pay all at once The court however does take my tax refund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: U.S. BANCORP
State: AZ
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:
Complaint ID XXXX-XXXX US Bank stated they never received military orders. I sent them two weeks ago. See attached and want A RESPONSE DIRECTLY SENT TO ME AS WELL. MY MARRIAGE CERTIFICATE WAS ALSO SENT.

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 2017-07-05
Company: EQUIFAX, 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:
Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017, {$6700.00} Thank you. Best, XXXX

Company response to consumer: Closed with explanation