BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Asset Management Outsourcing, 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: Their investigation did not fix an error on your report

Complaint:
While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from Nationwide Recovery Services, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Nationwide Recovery Services for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself.

Provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, 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:
I have hard inquiries on my credit report that I did not authorize. I have tried to contact equifax on several attempts to remove these inquires and I have been receiving the run arounds. Hard inquiries such as XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). Fraud alert has been place on my credit report. XXXX XXXX XXXX and XXXXt ( coincidentally from the same bank ) accounts played part of identity theft.l and should be taken off my credit report. These inquires were not authorized and need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion and XXXX is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by Transunion ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV

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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I had a fraudulent charge on my credit card so I reported it. Chase cancelled my card and sent me a new one. Chase then determined I made the charge somehow. I never received the new card. Chase texted me saying a purchase was attempted at XXXX on my new card and they thought it might be fraud. I said it was because I never even received or activated the new card. Chase took one of the purchases from target off but left the other one on my account. I disputed it and they said after their investigation they determined I was liable for the charges. I disputed the charge again, telling them I never received the card or activated. They said the investigated again and determined I was liable. I now have a {$350.00} charge from XXXX that they are making me pay and a {$8.00} monthly charge from XXXX that I have no idea where it came from. I dont even use this credit card. It hadnt been used is XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ARS National Services Inc. contacted me on XX/XX/2019 at XXXX pst in the attempt to collect a debt. I filed a petition for chapter XXXX bankruptcy on XX/XX/2019 and all of my creditors were notified of this filing. It was also listed on my credit report at of XX/XX/2019. I reached out to ARS National following their attempt to contact me despite the Automatic Stay being in place. I told them via online messenger that I had filed bankruptcy and asked them for their address so I could send them the filed petition. They refused to give me the information and said I had to call them and talk to someone. Later that day, I went to XXXX to view my most recent credit report. I noticed that ARS National Services had run an inquiry using my social security number and DOB that same day. On my credit report, it clearly shows that I had filed a petition for bankruptcy protection on XX/XX/XXXX, however, they still called me and attempted to call me to collect the debt, with the belated disregard to my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Santander Consumer USA 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: Problem with personal statement of dispute

Complaint:
Chrysler capital ruin my credit score, they charge high interest rates and the costumer service is horrible, I had one late payment since 2018 and they did a bad report to my credit score, please check this companys review and complains. 
Chrysler capital doesnt have any respect and consideration for the costumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Services put a collection on my credit report onXXXX for XXXX XXXX and then posted a false payment on XXXX to keep it on report. XXXX XXXX has no record of me having an account with them using my name, address, old phone number and ssn. I have never been contacted by Southwest. If a true payment was made I want to know the account it was paid from because it was not mine. Southwest has many similar complaints on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My husband and I tried to get preapproved for a mortgage loan, but were denied because of information on our Transunion credit reports. We requested our Transunion reports. When I got mine, I noticed a lot of errors. 53 hard inquiries that I did not authorize. I also noticed some accounts that were not mine that I had not authorized. I have been the victim of identity theft several times, due to my personal information being compromised in 16 data breaches, in the past. So, I suspect that the same thing is happening, again. 
On XX/XX/2019, I tried to dispute the errors and hard inquiries that I did not authorize online on the Transunion web site. The web site would not allow me to dispute anything and instead listed a number for me to call. I called the Transunion phone number provided and explained to the customer service rep that I am the victim of identity theft and that I needed to dispute the hard inquiries and accounts that I did not authorize. The rep refused to help me saying I had to contact the companies directly. I already have. The companies told me to call Transunion and dispute with them. I tried again to dispute the inquiries with Transunion on XX/XX/2019 and, again, the Transunion rep would not allow me to dispute them.

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 2017-10-03
Company: Navient Solutions, LLC.
State: PA
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:
To Whom It May Concern : After the discharge of my bankruptcy in XX/XX/XXXX, I received paperwork and phonically from Navient reporting I was past due on my account. This was an account I was not aware even existed. They assured me it belonged to me and that they were the holders of a student loan debit and would be servicing the account. Little information was provided to me and I should have probed further at that time, but I went ahead and assumed it to be my responsibility. As a result I have been making monthly on time payments to the loan since then ( XXXX XXXX ) In the past several weeks I have been gathering information for all of my student loans ( interest rate, estimated payoff date ) for the consideration of consolidation and refinancing. This of course includes the above loan with Navient. 

While digging through the different tabs on Navients website, I discovered this loan was dispersed to a institution ( XXXX XXXX XXXX XXXX California ) I have never attended nor applied to with a disbursement date of almost 10 years ago! I quickly got on the phone with the company who transferred me to the fraud department. I spoke with " XXXX '' who confirmed that I indeed never attended that university. Unfortunately he could provide no further information on the loan and advised me to complete an ID Theft Affidavit. 

On Sunday XX/XX/XXXX I faxed 16 pages worth of personal information to Navient for my theft affidavit. This included social security cards, drivers licenses and passports. After three phone calls they confirmed yesterday that they did not receive my information nor could they speak to where it might be. The fax number was confirmed to be correct and the first page of the affidavit offers to reassure customers that personal security is important and my information would be protected. When asked to speak to a manager I was told no one was available. This is a recurrent theme with Navient where no one answers or you are prompted to leave a message and no one returns the call. 

I again spoke with " XXXX '' yesterday who provided another fax number and another mailing address ( from the original that came with the original fax number ). No sense of concern at all for this pertinent missing personal information was communicated. So now I I have had to freeze my credit which required a fee in my state and pay to notarize paper work for the purpose of the affidavit and continue to pay a loan that was issued to a school I never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello Im a victim of a Debt Card Fraud that happened XX/XX/2022. Ive been reaching out on chase bank but I feel like theyve been passing me around and not taking me seriously. On XX/XX/2022 I received a notification from my XXXXphone device that my debit card was removed from my digital XXXX XXXX I immediately check my Chase Bank App because I didn't do any changes to my XXXX XXXX There, I saw that there was an unauthorized withdrawal transaction of {$3800.00}. I do not recognized this transaction and it happened on the same day. I was at work at that day. I immediately called Chase to report the fraud claim and to cancel my debit card. I gave them the details and I was told that my case will be reviewed. I was told that the transaction happened through a XXXX XXXX  from an XXXX  device. Therefore I showed them proof that my phone is an XXXX and I even printed out my time card at work as an evidence that I was at work when the transaction happened. My case was denied one after the another. Chase fraud department has been passing my case around. I was informed that the transaction happened at one of my local bank at XXXX XXXX XXXX, XXXX XXXX  XXXX. I went to the bank to seek for more advice and help. My case was even brought up to the corporate fraud department. However, Chase Bank still denied my case. Their reason is that " there was no other changes made in my account '' This does not make sense since whoever stole my money switched my apple pay to a different phone which is an Android phone. Its unfortunate how theyve been treating me and I have nobody to help me. What I needed is someone or if anyone can give me guideline of where would I go from my case. I reported this incident to my local police department as well but haven't receive any update. I'm helpless at this point and don't know that next step on how to get my money back. Please feel free to call or email me. Looking forward to talk to you guys

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX, 60 days late as of XX/XX/XXXX, and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On or about XX/XX/2019 i applied for a car loan with XXXX NJ  XXXX XXXX   and Chrysler Financial. They made changes to the loan amount at time of signing. Demanded i need gap insurance due to my trade in. Changed interest rate. Wouldn't give me XXXX insurance for job loss. Gave me far less then my trade was worth. Inflated MSRP prior to incentives to offset discounts. Refused to give me my trade in keys if i didn't sign. Finally put me into a loan for 75 months knowing i couldn't afford. They never verified my income and Chrysler is charging far more interest then my loan calls for. 9 months of payments, monthly {$690.00} changed fro {$670.00} before adding GAP. I pay and average of $ XXXX {$720.00} per month. I paid 9 payments for a total of {$6500.00}, only {$1100.00} went to principal. I will never pay this loan off based on these numbers. Furthermore, they pushed me into this particular vehicle telling me it's worth more.They claimed my trade would lose value if i wait longer.This is a predatory loan/ Also Chrysler uses Automated dialing system and voice messages to my cell phone to notify of payment due. I didn't sign any agreement to allow this.My original loan was {$28000.00} my balance as of today is {$26000.00}. They have failed to fix issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2020, I purchased two tickets from XXXX XXXX for a XX/XX/XXXX trip to XXXX with my Capital One card. Total cost was {$1500.00} for each ticket. In XXXX the airline cancelled the flights due to Corvid. I could not reach the airline since the whole country was shut down. I contacted Capitol to dispute the charge. On XXXX XXXX 2020 Capital One credited my account for the charges plus interest. On XX/XX/2020 Capital One recharged the amount back to my account because they received a letter from XXXX on how they were going to handle the cancellation. It is now XX/XX/XXXX, almost a year since the flight was cancelled and I still have not received a credit and I am unable to reach XXXX and Capital One is unwilling to reverse the charge or help in anyway. Other family members who were in the same situation had no problem with their Credit Card companies reversing the charge. I am sure they got the same letter from XXXX 
I have been a long standing customer of Capital One and they way I am being treated is unbelievable. They are taking the side of the vendor instead of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: BARCLAYS BANK DELAWARE
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
Barclaycard contacted us in XX/XX/XXXX about 3 suspicious charges in XXXX, TX on the XX/XX/XXXX & XX/XX/XXXX while my husband & I were both in our town of residence in MD ; which we each have charges at local retailers proving we were in fact in Maryland at the time. They cancelled my husband 's card, reissued a new card, and opened a fraud case. 

I followed up multiple times via phone for a year following the incident as well as a written message on XX/XX/XXXX. I checked each new monthly statement for a credit of the charges but still have not been credited as of XX/XX/XXXX. Representatives would simply repeat that we are not responsible for any fraudulent charges and that the charges would NOT be credited back to our account until the case was closed and it could take 60-90 days. I was reassured it was being handled every time I called but now almost 3 years later it is still not resolved. In addition to never being resolved, the fraud department representative can not access the records more than 12 months back and now I'm told I must submit in writing to open another case and provide all the original documentation. Basically, I'm starting all over but via mail/fax rather than over the phone. The account reps I've spoken with over the last 2 days are not able to see the 3 charges in dispute but the balances they show match the ones on my statements that do include those charges still. It seems like maybe they erased the charges but forgot to credit the newly issued card. 

At this point, I'm not sure what else to do. I am getting nowhere with the company. I am trying to pay the account in full and close it but certainly do not feel I should pay the fraudulent charges or any interest that has accrued over 3 years. Nobody returns calls or updates us with any progress of what is happening. Are there any resources to help me in getting the company to complete my case?

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 2017-10-03
Company: BOK FINANCIAL CORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My closing is scheduled for XXXX XXXX and my loan originator XXXX XXXX XXXX at Bank of Texas XXXX : XXXX, Cell : XXXX XXXXXXXXXXXX XXXX sending me documents to review with in minutes notice and keeps pressuring me to sign and acknowledge the documents without explaining what I am signing. We have asked in numerous occasions for her to take time to explain the documents but she is just interested in getting the documents signed. Last night she called us and asked us to wire XXXX to the title company XXXX before closing and did n't explain why we need to do that. I refused. I feel pressured in signing the documents she is sending and not explaining because if I do n't my closing might delay, my seller might change their mind and worst case scenario I will loose my XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I have been charged a {$29.00} annual fee since 2012 and according the capital one secured site it states that {$0.00} annual fee but I have been charged every year since XX/XX/2012.

Company response to consumer: Closed with explanation