BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom It May Concern, This is a complaint against XXXX XXXX for my frozen checking account with total balance of {$13000.00}. It came to my attention on Monday XX/XX/XXXX at XXXX XXXX XXXX that my checking account number has been frozen without any notice. I made phone call immediately and after being transfer from one department to another nothing was achieved to fix the problem. 

Again, on Monday XX/XX/XXXX at XXXX PM I called to the number provided on my checking account to have the issue fixed and unfreeze my account. After speaking with 9 different representatives, I was passed from one department to another and for twice I transferred to the same initial department when I called at XXXX. 
I told 3 of the representatives they need to make a note on my account as someone needs to call me from the fraud investigation department to unfreeze my checking account immediately. 

I mentioned that XXXX XXXX is very unprofessional as they must informed and contacted me by phone call or written communication that my account has been frozen. I had my checking account since XXXX, and all my transactions runs through this checking account. 

I clarify with the bank that any delay or rejection of payments made by this account that may results in reflection on my credit score or late fees is the responsibility of XXXX, and I look for the reimbursement costs of damages made to me by lack of professionalism and communication from CapitalOne which is against the XXXX banking regulation. 

I informed the representatives that I am recording this call, and I will contact CFPB, if issue does not get resolved within the next 24 hours and follow up from the CapitalOne. 

As of today Thursday XX/XX/XXXX, no phone call, email, or written form of communication has been received. 

I am looking for my total account balance of {$13000.00} to be unfrozen immediately as the frozen funds are affecting my financial situation and basic life needs such as paying loans, credit card payments, rents, purchasing food, medicine, and life necessities. 

I am looking for your help and assistance in this important matter as it is interrupting with my personal and financial life which my results me further losses and inconvenience. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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 non-monetary relief
Consumer complaint received 2019-04-27
Company: Rocket Mortgage, LLC
State: NJ
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:
During the government shutdown I was having financial difficulty. I received a letter from the FHA stating they expect lenders to work with consumers, including suspending reporting and removing late fees. I made 1 late mortgage payment in XXXX during this time. Quicken did not report the late payment until XXXX. At that time I reached out to Quicken and asked them to remove the late payment, suspend reporting as expected by the FHA. Their rep XXXX XXXX refused to remove the late and/or suspend reporting for that month because I did not reach out for financial assistance at the time. Quicken did not once send a memo and/or email detailing the help they offered. Quicken did not inform me that they would not follow the FHA memo if I did not call for assistance. I was under the impression they would because my credit reports for XXXX and XXXX did not reflect a late payment. Additionally I spoke to another rep at Quicken which told me in their internal system I do not show as having made a late payment. He directed me to email their helpdesk and ask the discrepancy to be fixed. I followed his instructions. I received an email from XXXX XXXX stating they would not remove the late reported to the CRB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: U.S. BANCORP
State: FL
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:
Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief f
ull Accommodation was not applied after i was promised..

Elan Financial Service/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX 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 2018-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to get portfolio recovery associates to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to portfolio recovery, there 's is no way for me to contact XXXXl XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX 's responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from XXXX  XXXX I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the multiple previous written requests, the JPMCB CARD items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB CARD XXXX, JPMCB CARD  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CEB Group is attempting to collect a debt for a medical bill that has already been settled and I disputed it on my credit. I have told them multiple times to not call my place of employment and they continue. I received another call today at XXXX XXXX from the CEB Group. I spoke to a supervisor named XXXX XXXX this morning and informed her I would be filing this complaint. 

They will not STOP! This is illegal. Please prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good afternoon, My name is XXXX XXXX. I received a call today, XX/XX/2018, around XXXX XXXX, from a third party debt collection agency by the name of XXXX XXXX XXXX XXXX XXXX. This company is located in XXXX, FL ; and their telephone number is XXXX. The debt collector did not verify any information, before going into my DOS and the amount owed. He also did not give me the Mini-Miranda, as stated per the FDCPA. I would like to request that this be investigated, as he was in clear violation of HIPAA. 

When I proceeded to let him know that he was in violation of the law, he then hung up on me. My attempts to speak with a supervisor have been unsuccessful. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from 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 2022-02-02
Company: JPMORGAN CHASE & CO.
State: SC
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:
Chase sent me a letter to settle my account ending in XXXX for {$790.00}. In XX/XX/2022, I contacted the company and remitted payment for this account to settle it. Chase representative said that the account would be reported as settled for less than the amount due and I would receive a cancellation of debt. 

This account is inaccurately showing up on my credit report as still having a balance. I contacted the company today and was met with rude customer service. The representative told me to contact the credit bureaus to resolve my issue which is violating my rights under consumer protection laws and FCRA. The account is adversely impacting my credit due to the deceit and fraud from the representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management sent a pre legal notice in the mail. I called to settle my debt, but Midland refused to send any information without me providing my checking account information. I was very concerned with this request so went to there website I was able to set up an account, but not able to submit a payment online. I then called XXXX directly to confirm my debt was sold to Midland Credit Management, XXXX did sell my debt to Midland. I then decided to provide my checking account information with the understanding that I would receive a letter confirming payment will be taken out on XX/XX/19. The payment was pulled from my account on XX/XX/19, when I called requesting confirmation of payment Midland refused then proceeded to tell me to call back and maybe they would be able to help. 

I am more than willing to pay the debt I owe, I'm just very concerned I have been scammed. I dealt with other collection companies in the past and have never had any issues.

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

Complaint:
Sent a letter to validate a bankruptcy on my Lexis Nexis report. As we all know, the bankruptcy courts DO NOT comply with credit reporting agencies. Who gave you permission to report on my behalf? Where did you get your information from at the courts? I want their name, number, email, address and department information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-01-11
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company named XXXX XXXX XXXX XXXX XXXX XXXX called me and my relatives today leaving a message that i would be sued if i did not contact them. When i did reach them they said i owed {$600.00} and would cost me 3 times that amount in court if i did not pay them.Caller stated they wanted to set up a time when i could be served at my residence or the would have to serve me at my work. They gave an address from 10 years ago, and a bank that was never used. I asked them how they acquired all the phone numbers, but they would not tell me, i told them not to call me or my relatives again. But the calls kept going out to my relatives. This an embarrassment to me to have to explain the matter to my relatives.

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 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.

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 2020-02-11
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4400.00}, {$6000.00}, {$7500.00}, {$3000.00}, {$4500.00}, {$1000.00}, {$300.00}, {$9200.00}, {$2100.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 









-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXXXXXX 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 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 XXXXXX/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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly collections for medical expenses on the following accounts : XXXX XXXX in the amount of {$4500.00} account number XXXX ; N/A in the amount of {$1600.00} account number XXXX ; XXXX XXXX in the amount of {$700.00} account number XXXX ; CREDITORS in the amount of {$340.00} account number XXXX ; XXXX XXXX XXXX in the amount of {$290.00} account number XXXX ; and N/A in the amount of {$140.00} account number XXXX. ( Please see page attached from my credit report. ) I had health insurance coverage and therefore there should be no outstanding balances due. ( I have attached a copy of my insurance card. ) This false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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