BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information 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 2020-07-14
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reference number- XXXX I have money that was taken out my account and this company said they performed an investigation and did not do a full investigation as i got money stolen and filed a police report. They have not officially credited my account after providing them with this information. i have been with this bank for over 20 years and never had such issue. My money should be protected and it is not by this bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received any notice of the debt, debt was never verified. Was contacted about paying this amount. I agreed to pay if this would be deleted and the associate lied to get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 U.S. Code 1692g - Validation of debts states : ( a ) that the debt, or any portion thereof, IS DISPUTED, or that the consumer requests the name and address of the original creditor, THE DEBT COLLECTOR SHALL CEASE COLLECTION of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

THIS MATTER HAS BEEN IN LITIGATION SINCE XX/XX/XXXX. YET, XXXX XXXX, XXXX IN VIOLATION OF THE FDCPA CONTINUES TO REPORT THIS DEBT AS VALID. THE COMPANY HAS EVEN RE-AGED THE DATE OF THE DEBT. 

THEY ARE REPORTING TO XXXX CREDIT BUREAU THE DATE OF XX/XX/XXXX AS THE DATE THAT THE ACCOUNT WAS OPENED WHILE XXXX   LETTER, DATED XX/XX/XXXX in YOUR cfpb files - OFFICE OF THE PRESIDENT state that the account 's was OPENED in XXXX ; last date of activity was XX/XX/XXXX. So how can XXXX be reporting an OPEN DATE OF XX/XX/XXXX? How can a matter in litigation be validated?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
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:
XXXX is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report. I see that your company is stating that i owe for a insurance collection that is not mines. I have constantly called XXXX to report that i had identity theft. Yet they was still telling my that i was constantly paying out of my account. I was not paying out of my account for any insurance. I do not have a car to which i would need insurance for. I am really trying to handle this without proceeding to legal actions. I had this going on due to my mother and ex girlfriend getting my information and putting multiple things in my name. I am asking for a refund for any money that was received from my bank account and for this collection to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: BARCLAYS BANK DELAWARE
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Received a charge on my XXXX XXXX XXXX Mastercard sponsored by Barclays Bank, Delaware, credit card statement Period XX/XX/2019-XX/XX/2019.  There was a charge with Transaction date of XX/XX/2019 and posting date of XX/XX/2019 for a transaction in XXXX Florida, XXXX XXXX. We were in New Jersey working on that date. We called the credit card company to dispute the charge on XX/XX/2019 and spoke with XXXX at XXXX, they cancelled the Credit card and put it in as a dispute. We paid the balance of the monthly bill due. We also requested a copy of the transaction showing our signature. 
We received a letter dated XX/XX/2019 stating " After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ''. In the same mail we received another letter dated XX/XX/2019. The letter stated " Our research has indicated that the transaction is valid. The transaction has therefore been placed back on your account. If applicable, interest and other charges related to the disputed amount will accrue on any unpaid portion of this amount, '' You can see our confusion so we called back and spoke with XXXX, who would not give us an employee number, and were told it was from a charge on XX/XX/2019 and that they can change the Transaction date whenever they desire. We still do not have a valid copy of the charge slip and feel that this company is not going to send one. When we called the number XXXX, and spoke with XXXX they said that the Merchant can change the transaction date when they want. How can a consumer check their transactions on a credit card if the Merchant can change the dates at will. We can understand the posting date being different but not the Transaction dates. Especially making it almost 30 days later.

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 2022-12-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act The Companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under am open end consumer credit plan as late fr purpose.

25

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XX/XX/XXXX, I called in to my bank to report a transaction from a company I recognized and had previously had business with, but no longer did and did not authorize the transaction. The transaction was still pending, so i could not dispute it at the time And I informed the rep I would call back to do so. I placed the Company on fraud alert the same day. But my debit card was not cancelled, being as though I couldnt dispute the transaction as of yet, I wanted to hold on to my only source of access to my money during this pandemic. On XX/XX/XXXX, I received a fraud alert text asking did u authorize a transaction in the amount of {$1400.00} from said company ( XXXX XXXX XXXX ), Mistakenly, I read the text as FRAUD ALERT so I immediately replied yes when I saw the companies name, then I actually read the text in the same moment and I replied no right away, I did not authorize the transaction. On XX/XX/XXXX the company XXXX XXXX XXXX withdrew {$3300.00} from my checking account, although I only had {$600.00} and change available. This made my account negative {$2700.00}. I called my bank to dispute it, however the company sent a fraudulent receipt claiming the charges were accurate. I sent my bank the receipt the company provided me, and I was told that my receipt wasnt Sufficient, although It was the only document XXXX provided me with. I called back multiple times after to dispute the rejection of my claim and it was denied 2 more times. I tried disputing this directly with XXXX to no avail, I even made a direct complaint against capital one. My checking account is under auto decline which I have proof of meaning no transactions are allowed if the funds arent available on top of the fact that I already placed this company on fraud alert for fraudulent activity a week prior to this incident. Capital one still allowed this company to withdraw funds and put my account in a negative standing, and did nothing to help me resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The undersigned, XXXX XXXX, is being named Defendant in a wrongful foreclosure lawsuit against him brought in the name Bank of New York Mellon ( no address was provided ) allegedly as Trustee on behalf of unidentified purchasers of so-called mortgage pass-through certificates, series XXXX, of a non-existent Structured Asset Mortgage Investments II Trust ( not registered anywhere ) ( case # XXXX XXXX County, Florida ). Attorneys for claimant ( s ), whoever they are, do not dispute that these " claimants '' have no relation to the alleged debt as they have never purchased it ( which is a clear requirement under 9-203 of the Uniform Commercial Code ), have never had it on their books as an asset or a liability, have suffered no damages, but are set to receive unlawful off-the-books profits ( and have already achieved that in thousands upon thousands wrongful foreclosures around the country ), and would stop at nothing to hide their identities with their counsel 's collaboration. The complaint, however, does state and make the Judge believe that foreclosure sale of the property is to repay the debt owed to claimants, which is not true. A case from Washington State, Cashmere Valley Bank v. State of Wash., Department of Revenue, 334 P.3d 1100 ( Wash. Supreme Court 2014 ) explains in detail investment certificates are no secured and not entitled to foreclosure. PLEASE HELP me personally and also forward this to Task Force Docket # CFPB-XXXX to help thousands of other homeowners being wrongfully foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The creditor has not provided the following information to support the alleged debt : 1. name and address of the original creditor 2. a copy of the original signed contract, 3. delegation of authority giving you the authority to collect the debt 4., and a complete accounting / statement of payments with interest and fees associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 did not apply for a Capital One checking account. The following inquiries are showing on my XXXX  report and were not authorized by me. I am a victim of identity theft. 

Capital One XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a Wells Fargo customer since XXXX  and they charged me all types of fees that they were not authorized to do under the law. I should have received a refund for damages as the settlement sets forth, but I have not.

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 2020-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I had my mortgage payment set up as a automatic payment with my online banking as a Bill pay. for some how, last month It did not go trough and, I was not aware about it. Chase system payment was down and did not make the payment. 

I found out a month later. when I received a letter from chase stated that I missed a payment. I called the chase customer service to find out what happened and I was told that my automatic 's payment didn't go tru. CHASE bank accepted that it was a system issues and I was able to pay the mortgage and they provided me a confirmation number # XXXX.however, they did reported to my credit and I was told that even it was a system ERROR they won't reported to my credit. 

Now my credit dropped to XXXX points and I would like to have this fix as soon as possible. FYI I never miss a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a fairly sophisticated banking user. I have accounts at several institutions and am used to transferring and applying funds between my accounts. I use XXXX for example to transfer funds from XXXX XXXX XXXX to Chase - the funds are available and subtracted THE SAME DAY between these two institutions - almost real time. 

I have 3 accounts at XXXX XXXX XXXX A checking account, a HELOC account and a Mortgage account. All at the same place. When I allow Chase to autopay from my checking to my HELOC ( and ONLY on Autopay ), funds are removed from my checking 2 business days PRIOR to the funds being credited to my HELOC account. Chase shows the reduction in my checking balance, but no entry in my Heloc account for 2 whole days - meaning, if this is bulked up, every customer at Chase, they are using internal transfer delays to create liquidity - I am a small part of this pool of funds but, given that its within Chase ( the same institution ), there is no external transfer, this seems very inappropriate to me. It doesnt happen even between Chase and XXXX or Chase and XXXX, or for transfers I initiate, only internally at Chase where they have control of, and access to, the moving money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX  XXXX XXXX15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues

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 2023-07-10
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following items are on my credit report : XXXX. VANCE AND HUFFMAN LLC XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I went to purchase a vehicle at XXXX XXXX cars on XX/XX/XXXX I was initially charged XXXX for the vehicle but after I got my first billing statement for the car I realized that the monthly payment didnt reflect on what agreed to which was {$270.00} the new monthly payment is XXXX I went back on the bill of sale and realized that I was charged for an unauthorized warranty which cost XXXX which caused an increase in monthly payment not only this I have a copy of the warrant that I didnt signed! But I was still charged

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 2023-07-10
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTE Ability Recovery Services XXXX XXXX XXXX XXXX, PA XXXX sent demand letter dated XX/XX/XXXX : for XXXX debts marked " pending no fault '' XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX BOTH ARE BEYOND statute of limitations in NEW YORK of 3 years. The company has several outstanding complaints for this practice. I want and seek the harassment stopped and their records updated and a formal apology signed and dated. NO FAULT is claim against the insurer XXXX XXXX INSURANCE ... NOT the insured. Please investigate 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 2023-07-10
Company:  Lippman Recupero, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My family sent my drivers license through US POSTAL SERVICE and my drivers license was never received. I after not receiving my drivers license I am now receiving a debt collection letter from a debt collection agency. I contacted the debt collection agency Lippman Recupero and they stated that I had booked a hotel room in XXXX XXXX and did not pay for the hotel room and as a result the debt was sent from the hotel to the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: LA
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:
Contacted XXXX XXXX and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Mr. Cooper Group Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
mr coopr might of ent letters but not to me because i didnt get them nor did i receive any phone calls from them i straighten out the matter as soon as i found out with XXXX effort on mr cooper XXXX i didnt vomplain i payed up as sooh as i found out of my own accord even though amout doubled which should count for something

Company response to consumer: Closed with explanation