BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX XXXX. Do to a data breach I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Capital One Bank - XXXX dollars - XXXX. I have file a compliant with the Federal Trade Commission and IdentityTheft.gov relating to these two accounts. I have mailed both companies the documents F.T.C provided me with. The letters are attached. I have talked to Capital One credit card fraud department XX/XX/XXXX. Capital One stated that they will mail me a letter in concern with this fraudulent account and state that I am not liable for the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
One of the owners died Bank of America put hold on account. Went into the bank with XXXX year old father in law to fill out L8 to have hold taken off. Went through legal department and hold was released. Next day hold was back on. Bank of America always hard to get in touch with and never resolves problems. On the phone with customer service for over an hour transfer 3 times and STILL not resolved. Now have to go in for ANOTHER Appointment with XXXX year old father in law. They make banking hard for the elderly. He needs fund released to pay funeral expenses. Now Bank of America has different story of what needs to be done. Cant get in touch with a manager or upper level employee to get resolved in a timely manner.

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 2017-10-25
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payments were origionally & routinely drafted from my checking account from XXXX of XXXX thru XXXX of XXXX by TransWorld Systems , Inc. Without any notice, my draft was discontinued in XXXX of XXXX. I have tried to contact both the US Dept of Education, my origional lender & the third party company listed as TransWorld Systems , Inc. The US Dept of Education tells me they no longer assist me becuase they do not service my loan any longer. I can not speak with anyone at TransWorld. Their automated system says they are not allowed to speak due to a retraining order placed by the US Court, Judge XXXX. So, my understanding is they can not accept payments while under a lawsuit. However, I am trying to obtain a FHA mortgage and I can not close until my payments are current & XXXX is cleared. 
I am in desperate need to get this resolved. The number I have for TransWorld is XXXX. I have left numerous messages with no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

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 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 2017-10-25
Company: Federal Financial Services Inc
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

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 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 2022-04-02
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and I am submitting this complaint against ABILITY RECOVERY SERVICES ABILITY RECOVERY SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to ABILITY RECOVERY SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) ABILITY RECOVERY SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2022-04-02
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 instructions

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 2017-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX/XXXX/2017, {$2000.00} was added to my account at JPMorgan Chase. I called to report this fraudulent transaction. The CSR refused to take any information about the transaction as " Their system was not working ''. When I asked to talk to a supervisor the CSR hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Dyck-O'Neal, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2 accounts showed up out of nowhere on my 3 credit reports from a company called Dyck O'Neal.  Acct. # XXXX & Acct. # XXXX, claiming I have a contract agreement with them on a debt that is in another persons name. I wrote XXXX validation letters to the company requesting complete validation as defined by the FDCPA. in over 15 months of going back and forth trying to get validation from them unsuccessfully But they have been continuing to report to the three CRA that accounts are accurate without properly validation and investigation and telling the 3 bureau 's everything accurate and verified without submitting the Bureau 's any documentation also. 

Lastly they are mis representing there entity to the credit bureaus claiming to be a creditor of mines with terms and and contractual agreement with me when they are in fact a collection company and not reporting it as such to the Credit Bureau which is false reporting. They continually report on a monthly basis to the bureau 's as me being late for the last 15+ months but never validated or produce any documents stating as such or according to the way proper debt validation is define by Federal Law. 

When I try to get ahold of the company through the address on my credit reports I'm told by the U.S.  Postal Service that the company doesn't even reside at the address that they are reported on my Credit Reports this Company is i violations of the FDCPA Section 809 ( b ) - continuing to pursue collection ativity on a unvalidated accounts after being informed Ac15 U.S.C. 1681s-2 - Falsely reporting information to the credit bureaus FCRA Section 623 - failure to notify Credit agency of the month/year of the date of thefirst delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: DISCOVER BANK
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:
Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I XXXX XXXX never gave Discover FIN SVCS any written consent to report late payments on my consumer report. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover FIN SVCS Account # XXXX I was never late, 30, days in XX/XX/2019. 
Im not sure how this happened, I have always made my payments on time when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX I spoke with a supervisor and 2 employees, explained that I had an unauthorized inquiry on my credit report. I contacted the original creditors and they sent me supporting documents stating for the unauthorized inquiry to be deleted. The company never deleted the inquiry after multiple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Kriya Capital, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CREDENCE RESOURCE MANAGEMENT at XXXX XXXX XXXX XXXX, XXXX TX XXXX. Has been sending me collection notices in the amount of {$310.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is in regards to cfpb complaint # XXXX. I filed a complaint with the cfpb in regards to my XXXX XXXX. The cfpb looked into the matter and contacted Barclays XXXX XXXX XXXX. Barclays XXXX XXXX XXXX noted in a response letter addressed to the cfpb and me that they would reinstate my Barclays XXXX XXXX XXXX. Apparently as a result of this response the cfpb closed this case. However, even though I received a letter from Barclays XXXX XXXX XXXX noting that I could begin to use my credit card once again on the specified date, the card continues to be declined when I attempt to utilize it. I did attempt to contact Barclays / XXXX XXXX with the telephone number provided on the response letter however I have failed to get a response back after leaving several messages with Barclays XXXX XXXX XXXX to do so. Would you please open a new case and follow up with Barclays XXXX XXXX XXXX to address this issue. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-04-02
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
- I have bought a washer from best buy with their store credit card. 
- I didn't receive the credit card more than 10 days after. Called and been informed them and they were claim that they fixed it and will resend it again to the correct one. I setup auto payments during the call. 
- 2 months iam calling that no card is showing and every time they claim that yo verify my identity they have to send a letter to the same wrong address! My credit score goes XXXX point coz of a washer i have its whole amount! I asked them to report the issue to the credit bureau. They didnt. 
- i called and asked for a supervisor, he lies to me and say if you pay now and made the debt below 30 % you will get your previous score again. I did pay at once. He fixes the problem. I get my card but my score didnt get back to its original status.

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 2020-12-21
Company: EQUIFAX, 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:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: LEXISNEXIS
State: WI
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: Investigation took more than 30 days

Complaint:
Related to reference # XXXX My wife called on XX/XX/2021 to dispute a judgement that appeared on her report and called back on XX/XX/2021 to confirm whether it was also on mine. After I gave the ok for her to talk to my wife, the phone rep confirmed it was on my report, and my wife asked that it be removed. She indicated a dispute had already been filed and it can take up to 30 days. 37 days later, the bank pulled our credit, and while it's finally been removed from my wife 's record, it's still on my mine ( though there's now a note that the judgment was released ). We called LexisNexis and were informed that a dispute was never initially filed under my name ... even though my wife was reassured numerous times over that once the resolution was provided, the judgment would be removed from BOTH reports. She called again today ( day 49 ) and still no resolution has been submitted. The phone reps are limited in their abilities and the " dispute team '' is unresponsive. Do I have to file a lawsuit to get this resolved!?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Performance Settlement, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I got a phone call from performance SLC and the guy i spoke with was XXXX XXXX back in XXXX XXXX. He had told me that the federal loans was going to forgive my loans all of the {$21000.00} except XXXX and broke it down into payments of {$86.00} a month until XXXX of XXXX. I set up everything ( gave my bank account info ). Within a few weeks i got a letter from the federal student loans department telling me i will not be paying nothing so it struck me wrong..If i 'm paying on my students loans what is the {$86.00} being taken out for. I called the number on the federal loans and talked to very nice lady that had informed me that what I was paying on was the paperwork that company did for me not my loans and she said i could have done the paperwork in 5 mins on my own, which made me very upset. I called the company back and told them they scammed me and i wanted my money back that they took from me, they did n't do it. so I had to go and change my account. I called the lady back at student loans place and told them what had happened and i told her not I 'm really scared if they were gon na put it on my credit and she told me to keep an eye on it.. well within two weeks that company put it on my credit and i just filed Bankruptcy with my husband so we can start fresh. I am asking you to please help me get it off my credit and to do something about this company, so the scamming with end and no one else will ever have to deal with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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 have had multiple overdraft fees and returned payment fees due to my account being low. Im currently out of work and have cancelled a payment but for some reason Bank of America is trying to pay the bill anyways though it has already been run and returned for which I paid a fee for each occasion. At this point I have paid and/or owe around XXXX $ in overdraft fees associated with the account. Payment dates are being changed on my account to reflect in favor of the bank where I can be charged overdraft fees. It will show a payment going through on the 2nd of the month then change to the XXXX to make my balance negative. I have tried calling and was told they are unable to refund these charges despite me being out of work, etc. I have another complaint ongoing and have tried to contact them to no avail.

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 2021-09-07
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this account with Enhanced Recovery Company to no avail. I paid this account a long time ago, when I did the agent I spoke to told me they would remove the account for payment. The account has continued to report to my credit, and my disputes have been ignored. I have never received anything in the mail from ERC. My rights as a consumer have been violated, please help!

Company response to consumer: Closed with explanation