BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: SC
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:
Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing XXXXAlleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All three of these inquiries was opened without my permission and I want them removed

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 2020-04-23
Company: CCS Financial Services, Inc.
State: MN
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:
I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from Credit Collection Service for a fraudulent account for {$320.00} from XXXX XXXX. The account is fraudulent, unauthorized, not my account and is the result of identity theft. Credit Collection Service is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX I submitted disputes and was advised that I was not specific with my dispute when I clearly stated that there are factual errors with the amount listed on my Experian file there are 2 accounts with XXXX  XXXX there response was I did not indicate the issues which to be more specific for them the charged off amount is at XXXX but why is there a past due amount at XXXX how do I owe more on a account that's been charged off with a higher debt and why is there a past due amount acct # XXXX that's a major violation of false and inaccurate amount I should not have a past due amount the other acct # XXXX : charged off amount XXXX past due amount XXXX same issue as the first I should not have a past due amount there are incorrect factual errors on these 2 accounts that must be DELETED ASAP

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 2017-09-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My concern is with JPMorgan Chase & Co. 's inability to provide my Heloc loan disclosures in accordance with the Federal Truth in Lending Act and possibly the Home Ownership and Equity Protection Act of 1994. They acknowledged receipt of my application on XXXX XXXX, 2017. I should have received Heloc loan disclosures with my application and then should receive additional disclosures prior to the loan being opened. I do n't agree with non-disclosure. We talked about this before and it is not my job to think of the questions to ask about the loan. It is Chases responsibility to disclose all the information regarding loan details to me. Disclosure of info only after the contract is written, delivered, and under a 24-48 hour suspense to secure the loan is seemingly inappropriate and not in my best interest. Additionally, it may be in violation of the law.
Chase will not provide details of how the Heloc works. I need to see the terms in writing, terms like how many years can I draw on the loan, can I lock the rate in, If I lock can I reopen and draw more if not at the max loan amount? If they exist what are late payment penalties, etc., etc. I have asked everyone from chase involved in my loan process so far, to include their executive office department that called me today. A conversation, filled with poor attitude on their part, that concluded with resending a letter they ( she ) admitted will not have the disclosure information I have been asking for. ( note : info I 'm asking for is not in regards to the interest rate as I know the rate changes with the FED ) I have a right to know the basic terms like what 's allowed, what can be done and what ca n't, basically how the loan works. It should be visible and obtainable by all customers to validate fair and equitable treatment as well as be in alignment with the Lending Act. The summary on their website is inadequate and truncated ( missing pieces ) to entice people to apply for their loan.
Furthermore, under no circumstance should anyone be pressured under a short 24 - 48 hour window to enter a contract which could potentially cause the lost of their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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: Account information incorrect

Complaint:
XXXX XXXX  is still reporting a balance on a settled account to Equifax. 
The account was settled nearly three months ago and should have been updated by now. 
This is making it difficult to secure a loan and hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXXXXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: NJ
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
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: Was not notified of investigation status or results

Complaint:
I have requested XXXX Equifax supply me with documentation of their verification of the Bankruptcy on my credit file. XXXX Credit Bureau and Equifax Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from XXXX and Equifax. As of today XXXX/XXXX/2017, I have received nothing from XXXX or Equifax. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get between 5 and 10 calls per day from USAA. I talk to the first caller in the morning, and the calls still continue the rest of the day. We lost our business in XXXX, so we have not been able to keep up with our credit card debt ... we are just trying right now to save our home. I tell them all the time ... when I have some money, and get ahead ... I will start taking care of the debt ... but it does n't matter, the calls continue all day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-25
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV is on my credit reports saying I owe a balance of {$1200.00}, but I have no accounts that have/had a balance of {$1200.00}. 

I have also never received anything from an LVNV by mail, I did not get a Regulation F letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$97.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2021-12-02
Company: Afterpay US Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
They haven't responded to my request to change my email cause the first one was lost with my personal information and now there is third party access ..After Pay..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: LA
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:
In XXXX after checking my credit report I noticed that several files were not mine. Equifax was reporting XXXX, XXXX, XXXX and XXXX XXXX. None of these accounts belonged to me. I disputed with Equifax. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Equifax several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Equifax is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This incident involves Capital One/Cabela 's XXXX I was frauded in XXXX. I didn't have a charge card nor had I ever seen this charge card. I was advised of the existence of this charge card in XXXX by my personal banking institution. At that time Cabela 's was advised of this. 
After numerous attempts to have myself removed from this mess, Cabela's/Capital One chose to drag me into a court room. My attorney was costing me {$250.00} an hour. We reluctantly settled outside the court room to offset the already {$3000.00} in legal fees i had to pay for something I had nothing to do with. We settled for {$1500.00} on about {$8000.00} in fraudulent charges. The case was dismissed " WITH PREJUDICE '' in a XXXX Michigan court room meaning it is done forever, no except for. Capital One then filed a fraudulent XXXX against me with the IRS. My attorney corrected them after a lengthy dispute. Capital One then filed a corrected 1099-C with the IRS cancelling out their fraudulent claim. This was followed up with a letter from Capital One admitting I had been frauded. At a later date we confronted Capital One requesting refund of the settlement money and legal fees that I should never had to be involved with. Capital One refunded my settlement money but after ( 3 ) attempts to the CEO to recover my legal fees, they are refusing to do so. I am not asking for anything I don't deserve. I had nothing to do with this mess. My credit was damaged through this entire event but Capital One rectified that matter. I want my legal fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I placed a phone call to what I assumed was XXXX to rectify an issue with an order that I thought was not for filled and that I was charge for little did I know it was a fraudulent URL that linked me to scammers that convinced me that I was going to set up some accounts to get my refund cabinet back onto my card they had me download quick support and I remitly I assume when downloading those abs that there was a way that XXXX online grocery had found a way to give customers back their money a credit it to their original method of payment because generally when I return things for my XXXX online grocery I am always repaid baggie with a debit card your mouth monthI assume when downloading those abs that there was a way that XXXX online grocery had found a way to give customers back their money a credit it to their original method of payment because generally when I return things for my XXXX online grocery I am always repaid baggie with a gift card so I went along with this scheme not knowing that later on to discover that these guys were scammers and that they had taken almost {$2000.00} from me when I discovered what they were doing when I was downloading the app and go on two different steps I mediately disconnected the phone and I went up to my bank to let them know what happened my bank is XXXX XXXX XXXX they closed off the account and which one of those returns from the transfer a company was reversed and it was refunded back by the other one has not been refunded back XXXX XXXX XXXX why I my bank refused to assist me with this matter and told me to contact a Remitly and Ive contacted remitly and Ive been told different stories that the money will be refunded and maybe the bank hasnt refunded it back a lot of different things in unless I submit all of my statements to them and then finally they told me that they cant refund the money back because once its transferred its transferred and theres no way to track it and they have suspended my account girl and my bank and said the same thing that they cant help me get it back because I set up the account and gave them the information to the scammers and my bank XXXX XXXX XXXX was very very rude to me and Ive been a valued customer and my bank XXXX XXXX XXXX was very very rude to me and I've been a valued customer I am beyond frustrated and I know nowhere to go or how to get any assistance to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My complaint is regarding Overdraft fees. PNC Bank processes debits before credit in their nightly processing. On XX/XX/XXXX I gave my sons daycare a check -- they deposited it to their bank on XX/XX/XXXX ( non-pnc Bank ). My direct deposit hit that night. But based on how PNC allocates their funds and processes debit before credits the account was overdrawn. This is a way for PNC to make additional fees and I feel this is very unfair practice for Customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Zenith Financial Network Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a letter from the company stating that my payment at XX/XX/2017 was going to be {$110.00} and I was charged {$120.00}. <P/>I have copies of the charge on my bank account and also a copy of the letter that the company sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

Company response to consumer: Closed with explanation