BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-02-24
Company: Resurgent Capital Services L.P.
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 status incorrect

Complaint:
XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

LVNV FUNDING LLC XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Delta Outsource Group, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
delta outsource is calling about a XXXX XXXX XXXX and i tried to explain ive never had this and they hung on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: MA
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:
on XX/XX/2020, I sent two certified letters one to Equifax, tracking number XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, tracking number XXXX XXXX XXXX XXXX XXXX. They were letters of request of verification on items on my credit report. As of today, XX/XX/2020 I haven't heard from either bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or around XX/XX/2018, I contacted the Chase Bank customer service number regarding fees on my checking account. My concern was escalated to a supervisor that ultimately resolved my concern by agreeing to refund me {$280.00}. After only seeing {$48.00} refunded, I contacted customer service again. I spoke to several individuals with no resolution. They said a supervisor would contact me, but no one did. I tried several other ways to contact them via email and responding to their call survey but still never received a response. I stopped by my local branch and spoke to someone that then spoke to the branch manager, and finally said they had to pass the issue to the Branch Complaints Escalation Group. XXXX with that group said she would offer me an additional {$48.00} refund. Her supervisor, XXXX, also said the final amount being offered would be {$48.00}. He refused to let me speak to anyone else regarding my concern. I find it unacceptable that I was told I would receive {$280.00} but am now only being offered {$96.00}. Everyone I spoke to has confirmed I indeed was told I would receive the full {$280.00}, but everyone now says they have no authority to refund what I was promised. A company should have the integrity to stand behind their offer to resolve a customer 's concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXXXXXX Balance : {$540.00} - Please Remove. Please validate the data furnishers ability to report by asking for " relationship documents '' with " quit claim language ''. Data furnisher has not furnished to me after request proof of certifiable sworn documents to substantiate his or relationship with such as party or company. No proof of license, insurance or contract has been given by XXXX XXXX. XXXX XXXX has not shown legal authorization or claim over " alleged debt '' or the legal write to operate in said state for " Alleged Debt ". There has been No proof of complete, truthful, timely and accurate reporting according to Eoscar and Metro 2 Compliance. XXXX XXXXr is in Violation of FCBA 15 US Code sS 1666 " Adverse Action '' I was never notified about putting any negative information on my credit report. XXXX XXXX  is in violation of carbon copy rule with all 3 bureaus according to Eoscar and Metro 2 compliance. Please Remove!

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 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When using Capital One 's bill pay feature the bank deducts the funds from my account the day the ( paper ) check is sent ( via XXXX mail ). I understand that some transactions are electronic and XXXX therefor warrant an immediate deduction but that's not the case here. The latest incident involves a payment request for a local electrician who has not provided his bank account information and does not receive electronic transfers so sending a paper check is the only option. On XX/XX/XXXX I requested that the bill be paid to the electrician and the bank immediately deducted the funds from my account. Yesterday, XX/XX/XXXX, the electrician contacted me saying he had not received payment. I called the bank ( speaking with XXXX and XXXX in XXXX ), stopped payment on the check, and was told that they would open an investigation and pending the results, the funds might be returned to my account in 4-6 business days. I asked where the money was and was told that they sent it to the electrician, which unless they sent an envelope full of cash, is not true. They've still got my money and are earning interest on it in the interim. Is this legal? It's not the first time Capital One has deducted funds in advance of payment ; it's just the most recent example.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to BSI Financial, as servicer, in XX/XX/XXXX. The first PILOT ( payment in lieu of property taxes ) payment for XXXX to the municipality was due on XX/XX/XXXX ( note that these are paid out of escrow ). I called BSI Financial customer service on XX/XX/XXXX, spoke to someone and informed them of my issue, and subsequently emailed them the overdue notice from the municipality. Since then, I've received another overdue notice from the municipality and subsequently I have called BSI Financial customer service two additional times. They claim that they are escalating the issue, but no progress seems to be made. I have no confidence that my PILOT payments will be made on time for this quarter or in future quarters.

Also note that this is the second CFPB complaint I have had to submit against BSI Financial since my mortgage was transferred to them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Central Portfolio Control Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debts had been paid by my insurance company and they were still attempting to collect the debts for far more than was owed initially before insurance had paid them. The companies I owed the original debts to stated all my debts had been paid by my insurance and my insurance company confirmed I did not owe the debts. They still reported it to my credit report as being in collections for two amounts that were not only higher than I owed but that had already been paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Nelnet, Inc.
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account on XX/XX/XXXXwith Santanders promotion to receive {$220.00} after 90 days after meeting terms, ( Receive a {$220.00} bonus by opening an eligible new checking account with the promo code XXXX and doing the following : Receive direct deposits totaling at least {$500.00} within the first 90 days, AND Keep your account open for at least 90 days. ). Direct Deposit Orin the amount {$500.00} was credited to the account on XX/XX/XXXX. It has been 6 months since account opening and the bonus was never received after agreeing on promised terms.

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 2023-05-11
Company: Uplift, Inc
State: OH
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:
After reviewing my credit report, I realized there was an entry for UPLIFT. I was a victim of Identity theft and I submitted all information to credit bureaus and company. It has never been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: LendingUSA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I originally had t

o take out two loans from a lender called LENDING USA. One was to help cover funeral expenses and the other was medical. - BOTH OF THESE LOANS WERE PAID IN FULL But because of  tragedy ; death, XXXX XXXX, theft and vandalism to my personal property important personal documents were lost. I was almost hospitalized for a XXXX XXXX. 
In XXXX the attorneys handling the XXXX fire asked me to review ALL costs that may have associated with the fire. And in doing this exercise with my two banks ( XXXX and XXXX XXXX XXXX XXXX ) it was discovered that there were some strange charges on my accounts. 
1. They read as " PRIVATE PAYMENT '' 2. Both banks launched an investigation 3. They both came up with this information : XXXX XXXX. XXXX ( XXXX ) 4. I had NEVER heard of or done business with this bank 5. The phone number lead to a nursing home 6. Both XXXX and the Credit union exhausted their search to deem this charges as correct and declared them fraudulent 7. These two banks retracted the funds A few months ago I started getting collection  letters from a company called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX, ( XXXX ). And since then the harassment has begun. 
Realizing what had happened in all of the tragedy and despair I was dealing with, not to mention the hardships brought on by the pandemic, I reached out to LENDING USA. Initially, I couldn't get a hold of anyone. Then I was placed on hold for hours at a time. When I finally spoke to someone they referred me to the head of Collections  named XXXX ( XXXX ). 
Unfortunately, this call went wrong very fast. Already ill and hurt by what I've gone through, I tried to explain to him what had happened. He proceeded to chastise me about " why didn't I call them if I was falling behind, '' and I said BECAUSE I WASN'T BEHIND -- THESE TWO NOTES WERE PAID OFF! But he was ignoring that fact. He kept using threats of recording our conversation ... all in all we got  absolutely nowhere except to reduce me to tears. This XXXX XXXX said he would ask his boss about retracting the loans from XXXX XXXX. He called me a few days later and said his boss told him not to. 
You at the CFPB really have no idea of the kind of abuse companies like this put people through. Why did LENDING USA submit for payment something called " private payment? '' And to top that off it was untraceable! 
This whole thing could have been resolved when I spoke to XXXX, but he preferred to speak to me like a second class citizen, accuse me, and incite tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: PA
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 XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX ( XXXX ) XXXX Made an accounting error XXXX XXXX on my car loan. This was a payroll deduction from XXXX XXXX, XXXX PA that was applied to my savings account instead of servicing the car loan. The accounting error showed my payment over 30 days late. I was unaware if this until 2 weeks ago and my credit score dropped 112 points. I called XXXX XXXX XXXX and they removed the derogatory past 30 days from my account. I had also paid of my car loan early on XX/XX/2020. I had reported this problem to Experian that the credit report was wrong and I was disputing the derogatory on a late payment. Experian in mails said they would investigate. I received an email yesterday saying the investigation was complete and the derogatory was accurate. This morning I called XXXX and they assured me they had removed the derogatory last week and admitted they made the mistake. Had Experian really done an investigation they would have seen this was an error and was corrected by XXXX in XXXX, PA. My next step will be to file a formal Complaint with the PA State Attorney Generals Office and Consumer Protection Agency and the Federal Trade Commission against Experian and any other credit agencies showing a derogatory on my XXXX account. Thus has done harm to my credit in good standing and put me in a precarious spot if I need a loan in the future.

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 2018-09-26
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I submitted to company for validation not verification of debt according to the Fair Debt Collection Practices Act. They have reported negatively to all three credit agencies.I asked them to provide me with their license number, agent of service and that they are licensed to collect in my state. I also asked for a copy of any signed agreement that I have made with this Collection Agency or other verifiable proof that I have a contractual obligation to pay Collection Agency according to the FDCPA.

They did not provide me this information, but instead sent a bill that is not even in my name. I paid the final bill and turned in the equipment, I lived in an apartment complex at the time I had service, which means that they have multiple accounts in one given unit. 
I left the residence and XXXX turned on service under the other 's name without properly closing out the account under my name. 
I am going through divorce issues, but that is no reason this is something this collection agency is going after me instead of the name on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, XXXX s.s no.XXXX account no all I have is the last four no. XXXX XXXX Someone using my social security number managed to obtain a XXXX credit card using my social security number under the name XXXX XXXX XXXX. The person or persons purchased some products from XXXX totaling {$780.00}. Im disrupting the charges because this a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I entered into a contract for a 36 month lease through Nissan Motor Acceptance Corporation in XX/XX/XXXX for which I have monthly payments set up through my bank auto-pay feature. On XX/XX/XXXX I logged into my NMAC account to find the payment for next month had increased by {$3.00}. When I called NMAC to inquire about the increase, the representative advised that there were 9 counties in Florida that increased sales tax this year. She went on to mention that my county, XXXX XXXX, increased from 0 % to .05 % which increased my lease payment. I asked the representative whether NMAC contacted me to notify me of the payment adjustment and her response was, " No, this was something that was voted on in your county & not Nissan 's responsibility to communicate. '' This is completely unacceptable. Had I not checked the XXXX site on my own accord & because I have auto-pay enabled for this lease I would not have known about this payment increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check was deposited on XX/XX/23. Capital One originally stated the deposit would be available XX/XX/23 due to the amount of {$2500.00}. I got an email stating that was delayed until XX/XX/23 due to the amount of the check and the fact that it was the first one. I called the company on XX/XX/23 and told them I need the check cancelled if the funds wont be available. They refused and said theres nothing they can do.

Company response to consumer: Closed with explanation