BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX ( XXXX ) sold my debt to Plaza Services LLC at XXXX but I believed to have closed this debt until I was contacted by XXXX XXXX XXXX XXXX on XX/XX/ ( I believe ). My complaint is truly with Plaza Services LLC and XXXX XXXX XXXX. In my discussion XXXX XXXX at XXXX XXXX XXXX, I disclosed that I would like to resolve this issue but wanted to verify and valid the claim so I ask for documentation which I did not receive. I did settle with XXXX XXXX XXXX that I would pay to close the matter on an upcoming pay period but wanted to still verify accuracy. I gave them a payment of {$25.00} and realized that I should not have given this information out until validating. Since that initial call, I called XXXX to confirm if the status which XXXX did not have any information other than a phone number. Upon calling that number, I found out that the number was associated to Plaza Services LLC who I attempted to call repeatedly but was not able to connect to a live person ( either phone continued to ring or call was picked up but left on hold for more than 30 minutes ). I then check online sources and noticed numerous complaints especially one that I have now experienced with XXXX XXXX XXXX ( XXXX XXXX and XXXX extension XXXX who is a supervisor ). XXXX XXXX has called several different people after he and I agreed to terms, the persons he contacted are some of which I have not spoken to in 17 years including my place of employment disclosing my information even after I told them I wanted to validate before making final payment to ensure this was not a scam. I called them this morning ( XXXX XXXX ) to close the matter for full payment XXXX ( Supervisor ) at  XXXX XXXX XXXX said of {$1900.00} that I can have processed but am waiting for a call back. I plan to close this matter today but would like this company investigated as their practices violate everything I believe to be illegal within the Fair Credit Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: JPMORGAN CHASE & CO.
State: IL
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:
Between XX/XX/XXXX and XXXX, 2019, my credit card was used to make several purchases at XXXX and XXXX stores at various locations around XXXX. I called Chase Fraud Operations to report these charges as fraudulent, and they credited my account while they investigated the charges. I then received a letter, dated XX/XX/XXXX ( attached ), stating that they had completed their investigation and that I was found responsible for the transactions and would be re-billed for them. 

On XX/XX/XXXX, I spoke with XXXX XXXX ( sp? ), my fraud representative, and she stated that the transactions were made using a chip card that matched the card I had confirmed was in my possession. I reviewed the transactions again and confirmed that I did not make them, as they were at store locations I do not shop at and were made during the week when I was at work. 

On XX/XX/XXXX, I called to report this, and the representative, XXXX, stated that they would file a dispute on my behalf for the re-billed transactions. I requested that they provide me with the specific addresses of the stores. They stated that they could not provide me with this information, but that if I filed a police report, law enforcement could contact them to request it. I did file a police report that same day ( XX/XX/XXXX ), and I submitted a copy of the report to Chase as documentation ( also attached to this complaint ). I also requested time stamps and a list of purchased items for each transaction ( as further evidence that I did not make the transactions ), and they stated that they did not have this information. 

I received another letter, dated XX/XX/XXXX ( attached ), stating that Chase had investigated the charges again and confirmed their previous finding that they were valid, and that I would be re-billed for the charges. 

A list of the transactions in question ( along with locations I was able to find by searching store numbers ) is below. 

XX/XX/2019 : {$110.00} at XXXX  XXXX XX/XX/2019 : {$110.00} at XXXX XXXXXXXX XX/XX/2019 : {$59.00} at XXXX XXXXXXXX XX/XX/2019 : {$120.00} at XXXX XXXXXXXX XX/XX/2019 : {$68.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/2019 : {$57.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/2019 : {$74.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/2019 : {$65.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Plus- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: EQUIFAX, 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:
There is a paid XXXX XXXX with {$0.00} Balance account XXXX XXXX XXXX XXXX XXXX, showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any XXXX   XXXX. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and XXXX. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
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: 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. 

XXXX XXXX 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 602 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 2017-10-01
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA RECOVERY SERVICES received certified mail from me on Friday XXXX XXXX, 2017 of notice to validate debt and to provide an original wet ink contract stating I owe debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: AmeriCollect
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is originally from XXXX healthcare. I have asked before healthcare multiple times to correctly verify the debt. I sent them a bulleted list of the information I need to validate the debt I wanted the payments made as well as each charge. They refused to do it. All they will do is send me statements with the balances. So it got sent to XXXX XXXX and they did not correctly validated either so they removed it. Now it is with Americollect. I sent them a letter stating that I need them to validate the debt and a bulleted list telling what I need according to the fair credit reporting act. They sent me back a letter it was actually very snotty basically saying we already validated which they had not. Maybe they were referring to when XXXX did it but again, XXXX never fully did. So, I had one account with this medical facility. They report each and every visit as a separate item on the collection records to make it look worse on your reports. I had one account. One billing account. They break it down just to get you even worse. They think that they can keep sending it to all these credit companies but again, no one has fully validated the debt. It doesnt matter how many collection agencies they send it to you I have a right to see the charges, dispute charges, compare to my insurance, etc. I also have a right to see each and every payment. They seem to think theyre above the law and refuse to give me that information. They want to just send me blanket statements and not actually address what I have asked of them. I have documentation of every letter I have sent and the bottom line is they are breaking the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to 15 U.S. Code 1692, XXXX, Transunion, XXXX  and XXXX has been misusing my personal credit information without my consent. I have not signed a contract with neither of these agencies nor have I verbally given permission via phone to allow my records to be released to the public. They are all displaying false information on my report that they are not authorized by LAW to do such. They have deleted certain items and come back and replaced old addresses and accounts that I have disputed indicating that I have no knowledge of or belong to someone else with similar names.

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 2017-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 Did NOT purchase the area rug that was delivered to my residence. 
Since I did NOT purchase this particular area rug, I returned it to XXXX XXXX. 
I will not pay for something I did not purchase, and CapitalOne has an obligation to protect my rights under the FCBA. 

CapitalOne keeps going in circles around the crux of this matter and does not address the fact that the merchandise is in the possession of XXXX XXXX. 

The Law is specific in that I do not have to pay for something I did not order. And as a matter of fact, an email has been submitted to capitalOne from XXXX XXXX admitting that they do have possession of the area rug. 
Shame on CapitalOne for not following the scope of the law and various statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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 recently found 6 accounts has been listed wrongfully by XXXX, TRANSUNION and XXXX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020 I applied for a loan through the U.S. Small Business Administration for my restaurant and I was immediately denied due to negative accounts on my credit profile. Although they could not tell me who they accounts were from they advised to me to review my credit report. After reviewing my credit report I found many negative accounts and multiple inquiries that do not belong to me. I have never authorized these accounts to be opened in my name or with my social security. I don't understand how someone was able to open an auto loan under my name. I have never received any money or merchandise from any of these lenders listed in this report. I have also filed a police report with the XXXX Police Department. Please immediately remove these accounts from my credit profile and delete any addresses not associated with me.

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 2022-04-26
Company: Navient Solutions, LLC.
State: HI
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:
Navient is trying to break their terms of the IBR program by mis-reporting my payments and 'fixing ' the estimated payoff date to some time far further in the future than the Federal Guidelines allow under the IBR program. I believe they " fixed ' the date by putting me in forbearance when I actually qualified for {$0.00} payment structure under the IBR program. This may have illegally extended my payoff date. Their 'no action ' correspondence has been attached.

Navient, my loan servicer, illegally extended the " forgiveness date estimate '' for three of my loans ending in XXXX, XXXX, and XXXX to XXXX. Under the IBR program, they are estimated to end roughly 25 years after origination. That estimated date is around XXXX based on my loan origination. 

All of my other loans, that were originated within the same timeframe are being reported much differently. Loans ending in XXXX, XXXX, XXXX, XXXX, and so on. These three are being widely mis-reported, while the other loans are showing to estimate loan forgiveness at a later date also, XXXX and beyond. 

When Navient customer service emailed me back after my inquiry, they refused to make the proper adjustments whereby potentially collecting beyond the Federal forgiveness date based on IBR guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 XXXX XXXX  force placed my home owners insurance even though I had insurance in place. They didn't provide the legal amount of notice prior to force placing insurance. The issue was caused because they had in their system the wrong origination date. They also changed my loan number further causing issues when the insurance company sent a binder. This was all resolved after hours of dealing with them on the phone, but my biggest concern is the non-compliance with the legal requirement for a 45 day notice to force place that they didn't follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.

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 2021-09-23
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I never asked the bank to change my address or make changes to my account, yet someone named XXXX keeps calling me from a Regions Bank location that is unknown and keeps asking for copies of bills.

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 2022-04-26
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An account with Resurgent Capital Services was originally placed on my credit report in XXXX of XXXX. I have repeatedly asked for proper validation of the debt with the most recent request being XX/XX/XXXX. I asked for the company to provide the following information which would be proper validation of the debt : Please provide a contract, agreement, assignment, or other means demonstrating that LVNV Funding LLC or Resurgent Capital Services L.P. has the right to collect on the alleged debt - Please provide reasonable proof, such as an original, or copies of assignment agreement transferring the alleged contract or account in question from XXXX XXXX XXXX  over to LVNV Funding LLC to show an assignment has been made and that LVNV Funding LLC is the real party of interest. 
- Proof of your right to own/collect this alleged debt and that you are licensed to operate in the state of Ohio - Itemized statement of the balance claimed including all fees, interest, and penalties - Proof of assignment of debt from original creditor and notification - Amount that you purchased the debt for - A written agreement between myself and your company regarding this debt - Original cardholder agreement from the original creditor - Proof of assignment rights to Resurgent Capital Services L.P . 

In return, the company sent me a printout of an account summary sheet from their system and a printout of a credit card statement from XXXX of XXXX. This is the same information that they have sent me on every validation request since the account appeared on my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: CITIBANK, N.A.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is in regards to my previous complaints. The most recent one is # XXXX. Citibank responded to my last complaint stating that they have not received my payment. I have a receipt showing that they did in fact receive my payment on XXXX XXXX, and it was received by XXXX XXXX ( see attachment ). My check was returned to me ( yet again ) on XXXX XXXX with a letter stating that they could not verify my correct account number. I checked the account number that I wrote on the check and it matches all of the documents that I have received from Citibank previously and the account number that I was using to make payments during my cosigner 's bankruptcy ( I can provide proof if this if needed ). If the account number has changed I have never been notified. Every time I call Citibank to discuss the loan they either tell me that I have a zero balance with them, or they have no record of an account with my information ( but refuse to give this to me in writing ). This makes me wonder whether or not this debt is even valid. I have made many attempts to pay this debt, but Citibank continues to make it impossible to do so. I keep getting false or misleading information about this loan from Citibank.

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 2017-07-06
Company: ORG GC GP Buyer, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
GC services is a loan servicer that has my loan threw The department of education. they said if i do 6 payments consistant then my loan will go outta default. I DID THAT THEN THEY STATED I NEEDED 9 CONSECUTIVE PAYMENTS TO FINISH THE PROGRAM. THEN THEY GARNISHED MY TAXES. I DID THE PROGRAM THEY SAID THEY WOULD THEN WAIVE THE REST OF THE LOAN AND THEY DIDNT THEY JUST SOLD MY LOAN TO ANOTHER SERVICER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
M & T bank is charging customers {$50.00} to close their accounts if it's within 6 months of opening the account... The bank is hostile, rude and incompetent where i live and I shouldn't have to pay them to terminate service with them for being a XXXX bank .... 

Is this legal?

Company response to consumer: Closed with explanation