BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
It is well known that Capital One Bank had a major cyber incident on XX/XX/2021 where SSNs were stolen. Since then I have attempted to turn on 2 factor authentication so that I can receive a text message with a one time passcode upon every logon. Unfortunately, there are no settings on my account for this. In talking to support I have been told that it is setup and there's nothing further that can be done. This is completely unsecure and needs to be resolved. This is the only financial institution that does not have 2 factor auth working correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After XXXX XXXX, I took out a loan from the XXXX. Due to economic reasons I could not start with the payments and they sent the account to a collection agency. At that time, we made a payment plan of {$120.00} per month, which was being debited from my account with no problem. In XXXX of this year I received a call stating that I had to pay the full amount and that if I didn't pay my wages would be garnished. Also that the agreement they had reached was a mistake, because it should have been for more money. I was surprised what happened. I had to ask a family member to lend me {$4400.00} to make a payment. Still, they want you to keep paying {$700.00} per month for 36 months. I've been trying to work out a lower payment deal and they don't want to help me. I need your help, I do not refuse to pay, but to establish a reasonable payment that I can meet. The collection company is Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a secured credit card through XXXX XXXX  ( XXXX XXXX  XXXX XXXX XXXX Credit Card. In XXXX of this year I signed up for credit monitoring services through my credit card and the services were provided by Experian. I created an account and paid for my first months service of {$8.00}. Approximately, 2 months later I was given a chance to upgrade my services and I took that offer increasing my monitoring fee to {$14.00} a month. In XXXX I was billed on my credit card the normal {$8.00} on top of the {$14.00}. I went online to try to inquire about why I was being charged for the two charges when I agreed to the upgrade of {$14.00}. 
When I tried to cancel the {$8.00} services and only keep the {$14.00} services no where was there a place to unsubscribe or cancel. I was not even allowed to remove my method of payment to the {$8.00} services. I called 8 times to Experian and they said the Credit Card company must cancel it. So I called the credit card company and they said they had NEVER offered me such services but I was being billed by Experian and they had to unsubscribe me. I have audio recordings of every phone call placed to both Experian and XXXX XXXX. I finally use a phone number found on a older credit card statement and got a representative from Experian who stated she had removed the {$8.00} charges and canceled those services.And I would only be billed for {$14.00} because of my recent upgrade. When I hung up ALL of my credit monitoring services were canceled! I had to sign back up and now I have a {$19.00} charge for credit monitoring through Experian. I would like to completely cancel anything to do with Experian and get a refund for {$43.00}. I have lost faith and all respect for both Experian and XXXX XXXX credit card. I am trying to rebuild credit and only have a {$200.00} credit limit. Secured by the way. If I cancel the card my credit will be damaged because it is my oldest credit card. I may or may not receive my security deposit of {$200.00} if I cancel without their permission. I do fear I will be punished punitively and with great prejudice to my credit report. So all my hard work and diligence to honor my credit responsibilities in a manner to which was agreed up by the bank and myself will damage my score and report because I am bringing this injustice to light for others to see and learn from my choices and mistakes.

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 2021-06-10
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Hello I was made aware through my email address from Capital One regarding my credit card, and that they are going to close my credit card due to activity of my card being used fraudulently. Well they can produce no fraudulent activity to me when I called and requested it, but said to me in this phone call made around the beginning of XXXX, that they are going to close my credit card account ( credit card # XXXX XXXX XXXX XXXX ) because of 10 transaction charges that have been tried onto my credit card in the 10 months that I have had the account. Yes I admit that during the whole time the pandemic has been going on, that financially I have struggled, but this Capital One Credit Card has the settings set up ( by me ) to deny any charges that are attempted if my account does not have the money to process the transaction. So I am saying how can this bank go against my wishes and allow transactions onto my card, when I have the account set up to not have that happen, and then allow the transactions to happen and use that against to now close this account. This is what I am asking help with and please ask for your help. Thank you! 

XXXX XXXX XXXX cell phone XXXX email

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion charged me on my credit card for credit checking services that I did not request. 
The charges were as follows on my XXXX Credit Card XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, Total Card Credit Bill = {$160.00}. 

I discovered that my credit card had been charged in early XX/XX/XXXX. I called Transunion Company on XX/XX/XXXX. It was my understanding that Transunion would refund me for all of the above charges. Instead, Transunion refunded me for only {$19.00}. I contacted my credit card company which is XXXX XXXX. They refunded me for two months of charges. Therefore, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX bills have been refunded to me ( 2 x XXXX by XXXX XXXX XXXX and {$19.00} by Tansunion ). 
I am requesting that the other charges for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be reversed and that I get a refund for the charges for a total of {$100.00}. 
I called Tranunion Company on XX/XX/XXXX in order to resolve the issue. I called Transunion ( Ph XXXX ) and spoke to an Employee/ Supervisor with the name of " XXXX XXXX '' He refused to give me his last name. He gave me the following reference number : XXXX. The company refused to credit me for the charges.

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 2017-11-18
Company: Atlanta Check Cashers, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I 've been struggling financially due to health issue and XXXX. I got an loan with Atlanta Check Cashers and agreed to {$25.00} as a payment to bi-weekly. I was late on payment and asked if I could skip a payment and pay when I can borrow money to cover skipped payment. They agreed and I thanked them .The next pay period {$25.00} was deducted .I noticed that I was charged late fee {$10.00} from a text that was ok but It was never told that it would be a recurring fee monthly. I was charged {$40.00} for car insurance and I do n't have a car I told Atlanta Check Cashers. The contract states that to contact company before 3 days .This pay period XXXX/XXXX/17 Atlanta Check Cashers deducted the agreed {$25.00} and an Unauthorized payment of {$95.00}. I called and customer service said " You Did You Did authorized when you gave us consent to withdraw {$25.00}. '' I did not authorize double payments.The payments came from two different transactions now my other bills are behind due to this unauthorized transaction from Atlanta Check Cashers on XXXX in the amount of {$95.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I filed a complaint with CFPB on XXXX, XXXX, linked to fraudulent practices by Bayview Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Enclosed are copies of correspondence with Bayview informing me they would research my issues and respond by XXXX XXXX, XXXX. I received a certified letter dated XXXX XXXX, XXXX form the XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This firm represents Bayview Loan Servicing .The letter informed us our home will be auctioned off on XXXX XXXX, XXXX. Also, I have enclosed a copy of the XXXX XXXX, XXXX newspaper publishing the sale. Therefore, apparently Bayview Loan Servicing and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has chosen to ignore the CFPB. Likewise, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has sent copies of this notice to our Town Hall and to two creditors from 7 years ago. I believe XXXX, XXXX XXXX XXXX XXXX XXXX and Bayview loan are now inflicting additional distress to myself and husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHOENIX FINANCIAL SERVICES has never sent me anything in reference to these accounts. I believe these accounts are reporting in error. They seem to be duplicate reporting, and I understand that is something this company is extremely well known for. I demand justice! Phoenix can not report the same account with the same balance twice! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$170.00} Caine Weiner {$110.00} Caine Weiner ( Identity theft accounts ) I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX  breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. 

This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. 

If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
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: Personal information incorrect

Complaint:
I contacted XXXX, Equifax and XXXX  and asked them all to correct the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Kimball, Tirey & St. John LLP
State: CA
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 have an eviction showing on my XXXX report from 6 years ago. It's been paid for 5, and me and my children are going through a really difficult time trying to get an apartment to live in. We are homeless, and this reporting of this information is impeding the wellness of me and my children. The company that reported it ( Kimball, Tirey, and St. John ) refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I called the business that has a negative account on my credit file and inquired about a fax number or email address msg my information : identity theft police report, drivers license, social security number, certificate of birth, XXXX XXXX  Identification Card issued per XXXX Safety Administration and a formal letter of identity theft, in addition, a citation issued per XXXX Highway Patrol issued to someone with my license in XXXX, CA. 
I mailed my prove to the courts and the court dismissed the case, also deleted the citation from my driving record. 
However, the prove I am submitting for more evidence of Id theft is to inform the collector know I am a victim of identity theft and to remove the negative account from my credit report. 
The Representative was not completely honest with me because he stated, there is no email address or fax machine to send or receive facsimiles or emails. The collection company is only able to receive USPS mail. I called two more times because I did not believe the representative. The second rep. said we have a fax number. 
The third representative said, " We have an email address and a fax machine. '' The rep said he was going to contact the business to inquire of the documents and and that was going to take a while. 
Accounts : 2nd. XXXX {$560.00} / XX/XX/XXXX 1st. XXXX / {$600.00} / XX/XX/XXXX I am also attaching DMV printout of a citation issued on XX/XX/XXXX to someone holding my driver license and presenting it to a XX/XX/XXXX Highway Patrol officer, however, the citation and signiture were under my name. I have cleared the citation with XXXX, CA and citation is cleared from my commercial driving record. Fraud was also committed under my commercial driver license and the identity thief signed my name. 
I have lived in XXXX XXXX, CA from XX/XX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( XXXX ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The state of XXXX  is requiring me to pay taxes on my home I purchased XX/XX/XXXX even though Im tax exempt as a 100 % XXXX XXXX veteran since XX/XX/XXXX. Nearly {XXXX} tax bill I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to make a complaint on Portfolio Recovery Associates with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VaXXXX and an alleged balance of {$1600.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was placed for collection on XX/XX/XXXX. This account was closed by XXXX on in XX/XX/XXXX and sold with a BILL OF SALE and no WARRANTY. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years which Portfolio Recovery only had three ( 3 ) years from the date of XX/XX/XXXX because they only had three years to collect. I wrote them a letter dated XX/XX/XXXX and requested a verification of debt with the BILL OF SALE since they are the debt purchaser but they never provided the bill of sale and how much they paid for the charged off insurance profit/loss write off. I have even included a letter from them dated XX/XX/XXXX where at the bottom they state the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. There are also laws on how long they can report which they violated and they are the following : 1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.

Company response to consumer: Closed with explanation