BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, one of the representatives of Credence Resource Management , LLC called me regarding my delinquent account with XXXX XXXX XXXX. I made a payment plan to pay my account in 3 payments. The representative suggested that I make an earlier payment. I told him I lost my job and that this is the best I can do right now. He agreed to my payment plan and noted it in my account. 

I did not give my bank account details or approved an auto debit from my bank account. I specifically told the rep that if I am able to pay ahead I will call Credence. I did not make any call after the first time I spoke with Credence. 

I found out today that my account was debited an amount higher than what I said I will pay. I did not authorize Credence to auto debit my account for that amount. I did not even provide my bank account details, which makes me wonder how they got it in the first place. 

I called Credence again and the rep said they will refund the full amount debited but that it will take them 15 days to do so. I still think it was wrong practice for them to just go ahead and debit my account for an amount that I did not agree to. 

I emailed a dispute to the company and informed them that I am sending a complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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:
There are 2 issues first of all I have contacted Equifax on 3 separate occasions via certified mail informing them that I have never lived at XXXX XXXX XXXX XXXX pa XXXX. They send me back a report stating they removed it but when I logged into my account it still shows up on my credit file. 
the second issue is that i have several inquiries on my credit file that I never authorized I have tried to contact all 3 credit bureaus but get the run around get them removed i never authorized these and i have a ftc identity theft report showing iam victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed that Portfolio Recovery is reporting a debt that I do not owe. The original creditor was XXXX XXXX  but my debt to them was taken care of in my bankruptcy. I was under the impression that this was taken care of but this has been updating and really hurting my credit. This is a violation of my bankruptcy stay and it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 a check from chase checking account made out to XXXX XXXX XXXX XXXX for the amount {$14000.00} Was meant to be deposited into the account of XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XXXX, but the XXXX  XXXX XXXX returned the check to Chase or lack of endorsement and the funds went missing. I filed a claim for a check fraud with Chase and they did not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
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:
To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Cases XXXX & XXXX I Suffered a Major XXXX, In the Current 3-4 years of Medical Recovery, my Sister was assigned my CARETAKER, I Lived with Her My House was 99 % Mainly Vacated. The XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX who GIFTED The XXXX XXXX XXXX via a TITLE Transfer of Said Property as a INDIVIDUAL GRANT DEED in my unmarried man NAME This real estate documentation have been LEGALLY RECORDED at the XXXX XXXX County Clerk Recorder 's Office of the State of California for the last twenty-one years ... During this time of House Vacancy the XXXX XXXX XXXX XXXX with Other Associates Executed a A CRIMINAL TAKE PROCESSION of my real estate Property via SERVE CIVIL FRAUD for PROFIT.. 
They are ILLEGAL TENANTS, UNDER FRAUDULENT ACTIVITY RENTAL-LEASE agreements and my Single Family House is being ILLEGALLY RENTED-LEASED, AS DUPLEX UNIT .... 
This is also my Brother permanent Place of Residency ... .thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
At approximately, XXXXXXXX XXXX  I received a call from a woman who identified herself as XXXX from Chime Support. The phone number did register as Chime Support on my caller ID and the number was XXXX. Since I had dispute currently pending with Chime Bank because of fraud on my credit builder card, I answered the call thinking it was in regards to that issue. XXXX asked me to verify my account info and the email to my account. While I was on the phone discussing the fraud on my card the previous week, an unknown individual made 2 wire transfers on my account using Chime 's Pay Anyone feature which allows for instant wire transfers. One transaction went to XXXX XXXX for {$2500.00} and the other went to XXXX XXXXXXXX. At no time did I receive notification from Chime about the transactions until after all my money was drained from checking and savings account. I reported the theft immediately to Chime and opened up a dispute. I was told by a Chime Rep that I would need to file a police report which I did and allow Chime to do their investigation. 

Later that afternoon, I researched the Chime 's Pay Anyone feature and called Chime Dispute Support again, as I learned that the money drained from my account was actually in 2 Chime accounts and I didn't understand why they couldn't close those accounts down and give me back my money. If an individual has n $ in front of their names in the Pay Anyone feature, that means that their account is a Chime Account. Andie from Dispute Support confirmed that yes, my account was hacked and yes, the money was indeed stolen by 2 Chime Accounts but yet their was nothing that could be done to help me. She had no answer as to why Chime would allow fro instant transfers of large amounts of money with getting any verification or notification from me. Chime never attempted to call me about the fund transfers and my money was gone in 2 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt I'm alleged to owe is XXXX from XXXX XXXX. XXXX XXXX  abruptly canceled my home owner insurance because of my roof. However XXXX XXXX denied me time to hire a roof contractor to look or even repair my roof if need be. This was due to the weather as to why I need and requested an extension for someone to see if I need roof repair. 

XXXX XXXX cancelled my home owner insurance on XX/XX/2018. I was then told that my insurance was covered till XX/XX/2018 and I did not need to pay any more when my insurance is canceled on XX/XX/2018 from XXXX XXXX. This was told to my spouse XXXX XXXX   local agent and corporate headquarters. Now i have been put in collection without being told by XXXX XXXX prior to being put in collections. Plus I was told that I do not owe any more money. Now Im being threatened by this collection agency to pay money that I do not owe. I received Spam virus phone calls from the collection agency all day and night. The Credit Collection Services continue to Threaten to report me to the credit reporting agencies if I dont pay now. Also Previously I have been with XXXX XXXX for over 20 years, and am very disappointed with the current events with my Home owner insurance policy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019, I received several alerts from my credit monitoring services that an account was reported. To my surprise, LVNV was reporting as a open Factoring company showing 90 days past due as well as a collection. I have never received any correspondence or calls in regard to this alleged debt. I have filed complaints with the XXXX and mailed/faxed/attached to XXXX website a Debt Validation letter. I have sent this document 3 times only to receive a letter from Resurgent advising that they are the servicer for LVNV. Also received a bunch of  statements. The letter nor the statements VALIDATED that alleged debt. Who is Resurgent anyway? Why are they collecting for LVNV? The alleged debt was for a credit card that is showing that the debt was sold to XXXX XXXX. Who is XXXX XXXX? Never heard from LVNV, Resurgent or XXXX XXXX and the alleged date was brought in XX/XX/2019, but reported in XX/XX/2019 when I decide to apply for a mortgage to buy a home for myself and kids. And not only are they showing as a factoring company as a tradeline, they are showing as a collection! My credit score plummeted! It seems that they are scamming to collect funds from anyone who will fall victim. These are unlawful practices and I will report this to the FTC and the XXXX ( Again! ). They never validated the alleged debt. I requested this 3 times. They since then closed the tradeline but have yet to remove it from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There was an XXXX XXXX XXXX, once I found out my information was compromised I started to do research on the matter and learned how to access my credit report. I called and sent letters to the creditors that I did not recognize or give permission for these accounts to be open. I also sent in proof of identification and FTC report numerous times. This breach has affected my credit score and livelihood. I have spent countless hours trying to the bottom of this. 

Capital One Fraud Began XX/XX/XXXX Amount {$2800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX bankruptcy XXXX Account # XXXX. 
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 instruc tions. 15 U.S
.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I 've recently learned from XXXX that my credit report was compromised. All of my former employers have been deleted from my history. Someone address was listed on my report in Michigan. 

I 've never visited there, lived there, nor do I have family there to my knowledge. I need all of my supporting documentation from my account numbers ending with XXXX and any other accounts opened using my social security number. 

I was told my mail was returned to your bank, I need that I formation for tax purposes, with XXXX. 

Your last letter I received stated a check was received by your bank in the name XXXX XXXX. That is incorrect. XXXX XXXX XXXX never knew my maiden name, because I never used it with them. 

XXXX XXXX XXXX XXXX XXXX my former employer did n't know my maiden name, until I was under investigation by the FBI. They did n't know to use XXXX. 

You stated you are able to access my transactions from XXXX through XXXX. I need my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: WA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 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 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 2023-12-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX Balance XXXX {$560.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've called numerous times. Many of these were removed from my credit and seems to reappear. I've mailed a letter over 40 days ago. When I contacted the customer service department they refused to help me. They advised that I try RESENDING my mail again because they do not have it. They could not offer any more help or advice. They refused to dispute any of the incorrect inquires on my profile. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2020-01-23
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan with New rez mortgage company and since the beginning I chose to have an escrow account so the company would pay my taxes and home insurance and I thought my taxes were paid on time.i always paid the monthly bill on time.on day I get a check from the company and I called them what is the check for and they  told you just been overpaying.when I get my XXXX statement my payment was lower then usual and I called them again and they told that the bill its lower because we are not responsible for paying your taxes.they removed the taxes from the escrow account without my permission and didn't not let me know.now my sumer taxes didn't get paid since XXXX and they told me that when I called on XXXX.i keep sending emails about resolving the situation and keep calling them to fix this.at the  end of XXXX are my sumer taxes due and the winter taxes too.i told them am gon na pay my taxes myself but I want reimbursement for everything that did and answers why, when, who did take off the taxes from my escrow account?! I called a week ago they told me it's my fault that now they have to pay interest on late taxes.i cant deal with this company anymore.i told them I don't want them to pay my taxes anymore I want reimbursement for everything they did without permission and notice and answers.their supervisors are so rude, the lady supervisor told me we had intention to pay the taxes and then we didn't pay and it's you fault for that.this is causing me stress and frustration.i have all the emails I sent to them, statements.i need this to be resolved.i don't trust them anymore

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation