BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a gift card from my place of employment in XX/XX/XXXX as a reward for " job well done ''. I placed the card in my wallet and never used it. I was reminded of the card when I received another gift card from my employer in XX/XX/XXXX so when registering this new card I checked the registration of the card that I received last year only to find that the full value of the card had been exhausted. I contacted the gift card company ( XX/XX/XXXX) to find out why my card now had no value. They provided me a list of charges that were made against the card, charges that I never made. When informing them that I not only didn't make the charges they listed, I made no charges at all against the card. The card never exited my wallet. They informed me that there is nothing they could do and would not refund my balance. When I persisted with the fact that I made no charges against the card I was rudely hung-up on. I called back and spoke to a supervisor who also reiterated that not only does he did not intend to reimburse me for the fraudulent charges but will not look into how this could have happened on their end and also refused to provide me with any information to pursue this problem further myself. The next day I called one of the businesses that charged against my card and they wouldn't help me or provide me with a refund for their products that I never purchased because the charges were made beyond their 60-day policy. They did provide me with the persons name and email address that made the charges with my card. This person is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Email : XXXX. Anything that you can do to help me to recover the large amount of money that was stolen from me would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in 2014 I contacted XXXX XXXX XXXX to start a new service, when I received the bill the charges was ridiculous and I had a bill from XXXX XXXX  that I did not sign up for. I was calling XXXX XXXX XXXX for its u-verse services. I was not happy with how things was going so I contacted the BBB to help ( BBB complaint Case # XXXX ). This issue was supposed to be resolved to my knowledge. I paid the outstanding balance and took my business to another more honest provider. Now 5 years later I have a collection notice on my credit report that has reduced my credit score significantly. This account was sent to collection for equipment that I returned and an early disconnect fee that I shouldnt have been charged for a service I was unaware I was receiving.

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 2019-08-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company they refused to validate the debt, or remove the item.

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 2019-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've been trying to close my 360 checking for like a year I opened it over a year i half ago well something was put in my account by a friend I did tell them my friend had did it but it never was even accepted, a check that is. They rejected it cause he altered it by putting my name on it but it never deposited it even went thru. They had my account locked cause of a check if my friends was out into my account. Bottom line is they said I have to verify every other check I out in. I'm like XXXX well they won't close my account and I can't withdraw the money but phone automated says funds available are what the balance is XXXX well they refuse to talk to me I call they send me to voicemail or it jhangs up I just want my money n the account closed it's been sitting there for a year already or more cleared not return n they won't close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I FINALLY WAS ABLE TO LOG INTO ONLINE ACCOUNT AFTER I WAS DENIED BOTH ACCESS ONLINE AND BY PHONE WHEN I FIRST OPENED ACCOUNT. THE LAST TIME I SUCCESSFULLY LOG IN WAS XX/XX/XXXX. I HAVE NOT MADE ANY ATTEMPT TO LOG IN OR EVEN CALL SINCE AND NOW ALL OF A SUDDEN I GET THIS EMAIL STATING MY ACCOUNT IS SUSPENDED DUE TO MULTIPLE FAILED ATTEMPTS. I DO NOT KNOW WHAT IS GOING ON WITH THIS INSTITUTION BUT I AM TIRED OF THIS FOOLISHNESS AND FEEL I SHOULD NOT HAVE TO LOG IN ANYWAY! WHY CAN'T I JUST CALL LIKE I DO WITH MY XXXX PERSONAL ACCOUNT OR LIKE WITH XXXX XXXX. THIS TACTIC OF FORCING SOMEONE TO REGISTER FOR THIS VIOLATING ONLINE ACCOUNT WHEN OBVIOUSLY THERE ARE BREECHES INVOLVED IS BOTH XXXX AND DISCRIMINATORY AGAINST THE ELDERLY AND/OR POOR WITH LIMITED ABILITY TO WORK COMPUTERS OR ACCESS TO EVEN INTERNET SERVICE! I SIMPLY WANT TO JUST CALL TO CHECK MY ACCOUNT AND FEEL I AM DENIED ACCESS TO MY OWN ACCOUNT BECAUSE THESE BEINGS KEEP SUSPENDING BOTH ONLINE AND BY PHONE ACCESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Tried to open a credit union account in XXXX, Ca - was told that there was a freeze placed on my social security number in relation with my credit due to a fraud alert which I did not submit but which was submitted through experian using my information. I called experian to have the fraudulent freeze removed only to be told I was not allowed to access the information because I was not the individual who initiated the freeze and was hung up on by the agent after being offered to pay {$300.00} to join a program to eliminate debt. I acted with integrity and was told I was not allowed to access my own information by and through experian. I now can not do anything with my finances because of this fraudulent freeze placed by someone other than myself but who used my social and clearly enough information to successfully place a freeze on my social and credit profile. I demand to know the IP address or mailed submission which initiated this claim and I demand to have the recorded phone conversation I had with the experian agent who illegally denied me access to my account and the possibility of removing this fraudulent claim thereby making my financial situation unlivable and extremely traumatic. I also demand this fraudulent freeze be removed IMMEDIATELY and that I receive the information of all the responsible parties previously mentioned as I am seeking legal action to the fullest extent. 

I can not attach any relevant documents regarding my credit or this freeze clearly because of this fraudulent activity as I was and am now denied access to my OWN credit information and specifically this erroneous freeze.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the phone call from Credit Management on XXXX I notified them that debt to XXXX  was not due and gave info from XXXX  to confirm. After another call from Credit Management, I informed them on XXXX that I did not owe the debt and gave the information from XXXX  to confirm this. On XXXX I received a bill from Credit Management attempting to collect the same debt. On XXXX I sent a certified letter to Credit Management regarding the debt they have been attempting to collect and that I did not owe the debt and requested proof that I owed the debt. Postal service verified letter was given to an individual on XXXX at Credit Management in XXXX Texas. I have received no correspondence from Credit Management. On XXXX I received phone message from Credit Management to call them to prevent legal action. That number was XXXX. The original debt came from XXXX. I have XXXX  confirmation ticket number XXXX from XXXX confirming account corrected. XXXX  apologetic account was not closed properly as I did return the equipment on XXXX, ticket # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent Portfolio Recovery Associates a Cease and Desist letter by certified USPS mail which they received on XX/XX/2019. They have called me several times since past the 30 days in violation of the FDCPA : - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I made internet purchase with internet broker and canceled it within 24 hr. 
The purchase transfer was officially canceled and confirmed in writing by the tickets supplier, while my credit card paid the broker for item that was never send. 
I complained about the transaction with Capital One, yet after some investigation they refused to assist me with the claim base on broker " all sales final '' sale policy. 
Such policy violates Federal Trade Commission laws and even Capital One manager acknowledged knowledge of such law, she refused to enforce it, helping the broker to take money for items never delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: AZ
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. The following XXXX XXXX XXXX XXXX credit card account : XXXX thats listed on my Equifax, XXXX and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Experian credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
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:
Inquires made by the following XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, SYNCB on XX/XX/XXXX, SYNCB on XX/XX/XXXX I contacted XXXX, XXXX & XXXX via U.S mail & via telephone to have the inaccurate inquiries removed. Please investigate these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

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 2020-01-10
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently obtained a copy of my credit report which was 30 days ago and i seen a lot of medical debt reporting to my credit report and as allowed under the Fair Debt Collection Practices Act, I sent out a variety of letters requesting the credit bureaus to allow me to validate the alleged debt. Also told them to provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  that is located in XXXX, VA to release my medical information to a third party or any other Collection agency 's. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Also told the credit bureaus to provide a breakdown of fees including any collection costs and medical charges - Also told the credit bureaus to provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar   verification is unacceptable. 
i also told the Credit bureaus that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. As of today which is XX/XX/XXXX I have not received any respond letters from either credit bureaus

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 2020-05-01
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2021-08-05
Company: EQUIFAX, INC.
State: MI
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$220.00} is an amount that Procollect Inc. has been trying to collect from me for the past 2 years. I disregarded it at first but this year I found that this debt is fraudulent and filed a credit dispute. This amount was removed from my credit on XX/XX/2021 by XXXX. Since that resolution procollect inc. has contacted me via phone daily with voicemails and via mail on a monthly basis. 

Per my conversations with XXXX  this company should have me removed from their records and collections tactics. When I spoke with procollect inc. I was verbally pushed around and told that I still owe the debt no matter what the credit bureau 's say. While trying to explain this situation and ask to have all communications ceased from them I was disconnected from the call. My " account manager '' mrs. XXXX at phone # : XXXX ext.XXXX was the one who disconnected our call while trying to fix this issue and she said, " sir if you're not going to make a payment I'm going to hang up on you. You still owe this amount. This will not be removed from our system and you will still receive calls and voicemails going forward and we are notating your account as failure to pay '' then she hung up on me while I was still talking to her. 
Procollect inc is not willing to abide by credit law and they are not accepting my Cease and desist request via phone. They continue to harass me for a debt I have been cleared of. 

Please help me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Rodenburg LLP
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I am currently being garnished from a judgement that was unfairly put on me. I was not given the chance to defend/explain myself in court and never received any papers served to myself for the given judgement. I have attempted to contact the Rodenburge Law Firm several times but every time i am met with a voicemail system and no response. I even attempted to send their company an email to which i never received a response to. 

My current employers have contacted me with the judgement which has tacked on a ridiculous amount of interest to a judgement that unfairly placed upon me. I was not given any notice to appear before court or a chance to even defend myself. 

Now, years later I am being garnished without warning from Rodenburg Law firm whom I am unable to even contact for comment regarding these allegations. 

Another thing that really bothers me about this is the chance that these documents might be forged or tampered with. I see that in the top right corner of the garnishment it says : WRITE EXPIRES XXXX XXXX, XXXX ; and at the bottom of judgement it says : Given under my hand this XXXX day of XXXX, XXXX. This paperwork looks smudged and as if it was filled in by someone with their own handwriting, in other parts of it it is not even legible ( bottom middle ). 

I do n't understand how they can take {$5600.00} out of my pay check when the original judgement was for {$3700.00} and I was never even given a chance to represent myself in court. How is this even possible or legal? Even though I have attempted to contact them several times i cant seem to get any further documentation and/or explanation out of them. 

I 've been doing research on this Law Firm and have found numerous complaints and unethical treatment of the people who they are taking money from. I am afraid i am not the only one and this horrible treatment of honest hardworking people needs to stop. 


Under the state that this debt was formed Montana the creditors violated the following laws : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I made a partial payment on my loan last month USAA auto loan and the young man asked me when would I be able to pay the remainder of the loan I explained to him that I was looking for the funds to come to me within a week or two he gave me a date I said yeah probably around that time he in  return takes and makes that date the date to have the money withdrawn from my account which I did not come out my mouth tell him to take this money out of my account on this date which caused me {$28.00} over draft fee. I tried to dispute it and they refused dispute. Now they are charging me other {$28.00} for the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation