BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-19
Company: ENCORE CAPITAL GROUP 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:
According to the Fair Credit Reporting Act, consumers have the right to request validation of debts being negatively reported to your credit report. On XX/XX/XXXX, I mailed an initial validation letter to XXXX XXXX XXXX requesting they provide documentation showing proof this account belongs to me. On XX/XX/XXXX, I received a letter stating the debt had been validated, however no documentation was provided showing a contract between XXXX XXXX XXXX and myself bearing my signature. As a result, I sent a follow up letter on XX/XX/XXXX to them requesting for second time, they provide proof or remove account from my credit report. On XX/XX/XXXX, I received the same letter stating the account was correct and had been validated. I have not received any proof or documentation bearing my signature or any legal contract. Therefore, this account has not been validated as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been submitting numerous practices at Banks that do not protect consumers. Over XXXX was moved from my XXXX now XXXX account in XX/XX/2018. I reported to local and state police, FBI, FTC, IRS, DEA DHSSS banks and XXXX. No one calls me back because no one investigates for consumers. XXXX blames bank, bank blames XXXX or records, local police cite jurisdiction, attorney general or consumer protection say call police. Town where bank is tells me to call police in town I love, state police say call cyber unit who tells you to call local police. Its horrible. Only banks are protected. 

USAA reported to me coincidentally on XXXX XXXX that XXXX} was attempted to be withdrawn from this individual account and sent to XXXX but the funds were not available. Coincidentally I received a call from XXXX about the XXXX XXXX theft sent to XXXX and they shared they have no record of an attempt to withdraw XXXX from USAA account. That means its a fraudulent XXXX and I still suspect it was the same criminal from XXXX Who investgates ... ... no one. I have no XXXX auto withdraw but if funds were there it would have been taken. Banks are not protecting us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: AMERICAN EXPRESS COMPANY
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED ON MY AMERICAN EXPRESS GOLD DELTA SKYMILES CARD ENDING IN XXXX ON XX/XX/12 FROM A COMPANY CALLED THE XXXX XXXX FOR {$1900.00} AND I HAVE NO IDEA WHO THIS COMPANY IS AND NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED AMERICAN EXPRESS AS SOON AS I SAW THIS ON MY STATEMENT AND REPORTED THIS AS A FRAUD AND THEY TOLD ME THAT I WOULD GET THE CREDIT ON MY CARD AND I NEVER DID. THIS HAS BEEN AN ONGOING PROBLEM THAT THEY NEVER REFUNDED ME MY MONEY THAT WAS TAKEN FROM MY CREDIT CARD ACCOUNT. I AM NOW REACHING OUT TO YOU TO HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE AND THIS JUST ISNT RIGHT. I LIVE ON A FIXED INCOME AND I WANT MY MONEY BACK I NEED MY MONEY BACK. I AM A SENIOR CITIZEN. THIS CREDIT CARD COMPANY HAS BEEN SO MEAN AND NASTY TO ME IN THE PROCESS OF ALL THIS AND THEY SHOULD NOT TREAT THERE CLIENTS THIS WAY. PLEASE HELP ME..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern : On XX/XX/2018 my regions debit card was stolen out of my property. I was not aware of this fact. I called the next morning and checked my balance and thought everything was fine. That day XX/XX/2018 i tokk my lunch break and was going to the bank to make a withdrawl and i got s strange feeling. So i called to check my balance again and my account had been withdrawn all the way into the negative XXXX dollars.at that point i got my wallet out of my pocket as quick as i possibly could only to discover thst it was missing. there were 4 transactions on my account from random gas stations that equaled up to XXXX there were also 8 more transactions done on the internet that equaled up to {$1800.00}. as soon as i became aware of this i called, had my card cancelled and immediately went to the bank and disputed these charges. Even as i was speaking to the customer service rep. the culprit was trying to make another transaction on my account. Regions told me they would come to their decision within 10 business days.Well, today is the 11th day and i have not gotten the first email or piece of mail letting me know the decision either way. Please help me. That money in my account was from an insurance payout on my car when it was totaled. without it i have no money for another car to get back and forth to work.

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 monetary relief
Consumer complaint received 2018-10-04
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Reapted phone calls even after we made an agreement. Sent email and changed agreement. Everyday since XX/XX/2018 until XX/XX/2018. 3 to 4 calls a day. Threatening call and garnished my wages. Gc services agreed with me on one monthly payment and 2 days later changed it something else. They want me to make monthly payments and garnish my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
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. I did Not give any Consent to anyone to open any Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: 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 {$2100.00}, {$360.00}, {$320.00}.

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 ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -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 2019-10-28
Company: Experian Information Solutions Inc.
State: AL
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:
I was actively XXXX in the military. I had an account with XXXX XXXX XXXX. While XXXX my then girlfriend started using the card. Although she was making some payments, she was not making others, then just stopped after she maxed out the card and left me. I call XXXX XXXX as well as filed a dispute on my credit report as well as a police report and ID Theft report. The card is still showing on my credit after multiple attempts of removal.

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 2020-05-22
Company: Collection Bureau of the Hudson Valley, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original complaint was submitted back on XX/XX/XXXX when XXXX tried to bill me for equipment that was returned on XX/XX/XXXX and the case was closed by CFPB and the collection agency, XXXX XXXX XXXX XXXX XXXX, then. The original case number was XXXX. This has turned into predatory practices. The details, dates, amounts, etc related to the case are as follows : I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/XXXX. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX  tracking number of the shipping label the company sent me was xxxx xxxx xxxx. The monthly bill was usually due on the XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XXXX through the XXXX of XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. Any assistance is more than welcome. Thank you so very much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
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: Old information reappears or never goes away

Complaint:
Credit card company XXXX XXXX is reporting accounts as 30 days late in XXXX and XX/XX/2020 during pandemic when current account was not supposed to be reported as late if current accounts made payment arrangements according to the Cares Act of 2020 Section 4201 I have been disputing this information with letters to XXXX XXXX and also the 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX XXXX  account that doesn't belong to me, yet it is showing up on my personal consumer 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 non-monetary relief
Consumer complaint received 2019-03-05
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello : I have a mortgage with US Bank. They have a relationship with a company called XXXX XXXX which has been processing my bi-weekly payment for almost 10 years now. I have several times requested a detailed amortization schedule which reconciles my payments every two weeks and they refuse to give them to me. I went to US Bank and they only gave me a monthly amortization schedule. When I told them I need to bi-weekly version, they tell me they can't and that I have to go to equity accelerators to get that information. I've now spent hours with equity accelerators and they claim they are unable to give the information to me ... ..they point my back to US Bank . 


I believe there is a scam going on here and would appreciate your help.

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 2021-02-03
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is the Second complaint on Elan Financial.This is a terrible company. 

ELAN Financial is engaged in " Reward Points '' fraud. Elan Financial did not allow me to use XXXX  " Reward Points '' for {$25.00} credit to balance today XX/XX/2020. One person says one thing and another person says another thing. Constant fraud to not give my rightful " Reward Points ''

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 2017-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX in regards to a collection account listed on my current credit report and thus has been for the last 2-3 years. PRA, llc obtained this debt somehow unknown at the time from XXXX XXXX who is listed as the original creditor on the account. Upon noticing the collection back in XX/XX/XXXX, I contacted the company and the credit bureau to dispute the debt. Over the last 2.5 years, I have disputed this account maybe 5 times and each time the bureaus XXXX and XXXX stated it was verified. The account will show closed, then reappear on my report months later as a new collection account dropping my score each time. I requested validation of debt from portfolio recovery last year XX/XX/XXXXand was provided a few credit statements from when the account was open which in fact was approximately 3 months according to XXXX XXXX. I tried working backwards and contacted XXXX XXXX in XX/XX/XXXX, provided documentation requested and had the account deleted for Identity theft yet PRA, llc refuses to follow suit of the original creditor and delete for identity theft. The FCRA requires the debt be validated within 30 days and if they can not validate ( not verify ) debt, by LAW it must be removed.I recently disputed the debt again XX/XX/XXXX via XXXX and XXXX and once again it came back verified so today XX/XX/XXXXI called XXXX and spoke to XXXX XXXX and requested the documentation used to verify this account over and over be sent to me as required by law. XXXX, who in fact admitted on recorded line, stated that they have '' no documentation that is used to verify the account is mine, we go by what the creditor states '' I informed XXXX that XXXX was in fact in violation of the Fair Credit Reporting Act which states " disputed items can NOT appear on my credit report if they can not be supported by any evidence. '' A creditor simply stating the debt is in fact mine is not supporting evidence that will hold up in the court of law. My attempts to validate the debt from the 2nd creditor have been insufficient, and my attempt to verify from the bureaus have been insufficient and thus this debt is being inaccurately reporting to my credit report for years now illegally and I wish to have it moved ASAP! Upon contacting the original creditor, the debt was deleted a few years ago for Identity theft and by Law. Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account ~per XXXX ; Original account was deleted in XX/XX/XXXX and I am seeking this continuation account be deleted as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 {$550.00} I have no knowledge of this company. I have no knowledge of this false debt. Please delete immediately from my credit report. This company has inaccurate / false information. Please delete this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
Freedom Mortgage reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a XXXX in the family and keep Freedom Mortgage up to date with everything. They told me that they would remove these late payments but they haven't.

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 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
upon checking my credit report I seen that I had a negative balance of {$1200.00} I called Capital One which was the owner of the credit card they told me that the account was sold and XXXX XXXX XXXX had my account I called XXXX XXXX told them that my credit card was stolen out of my workplace I used to work as a XXXX XXXXt there was a XXXX  that I attended to next thing that evening I found that my wallet was missing my boss which was a XXXX  simply just gave me money to get home and at that time havent any knowledge to go to the police department report my wallet being stolen So I can have proof of this fact and now Im trying with XXXX XXXX Get this matter solved on several occasions they send me a packet containing no valid proof of billing to this amount {$1200.00} I immediately recalled them back and still no help they say they cant send me what they have in the there computer so now This is one of the steps Im seeking help to gain the necessary clearance of negatives on my credit reporting That isnt valid charges thats bazaar yes Im complaining against XXXX XXXX XXXX I spoke with many agents. Dated my information to be reached everything even spoke with Senior account executives by the name of initials XXXX  First name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent in a dispute to all 3 credit bureaus XXXX  XXXX  and XXXX  as well as to this creditor who is wrongfully reporting inaccuracies to my report Lobel Financial. In regards to this account that is on my credit report that I have no awareness of this account is negatively affecting my credit reports and it is inaccurate information. Please have this debt removed because when I sent in dispute letters to all 3 bureaus they failed to show me any proof of validation. They just verified no original contract that bears my signature no balance they say I owe or even what I owe it for. So Since they are violating my rights I would just like for this account to be removed from my credit report on all 3 bureaus.

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