BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has a track record of unfair debt collection practices. After changing their credit reporting policies in XX/XX/XXXX they have continued to hide under a blanket of deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: MO
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:
i contacted DFAS to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello I have banked with usaa Federal bank for over 6 years which is a military bank I move around a lot I have had accounts that have been closed do to Negative Balance and I have paid them off before it Reached my credit I just had a account that I paid off I let the bank know that I had death in my immediate family and that I was impacted by COVID-19 I asked them not to close the account because a large amount of money was coming in I only did that because they say to let your representative know if you are impacted by COVID-19 so my big deposit came in they took care on the account and paid it off and they sent me a check for XXXX I then took that check and A mobile deposit it in another checking account with USAA the next day they said there no longer want me to bank with them and said that XXXX they will close my account and sent me any funds I have rent to pay by Monday XXXX of XXXX they told me there is nothing they can do I will have to wait 60 days my son has a youth account and they will also hold his funds I have called and ask why are they doing this they have said they will reverse the decision because there was a miss understanding and that someone will call me no one has called and I have to just wait for them to send my money they said they have the right to make a decision and lock me out of my account I told them it COVID Im behind on bills but there nothing they can do! They also told me that they dont have to list a reason for there decision but I think they are really unfair as a bank institution to keep receiving Direct deposits and locking a person out of there account no fraud was committed and they could have contact me to give a warning saying whatever instead of locking me out my account I have XXXX kids and no money no cash no nothing! Please help me thanks my email is XXXX my phone number is XXXX however my phone maybe off do to the fact I cant pay it because of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: IA
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: Problem with personal statement of dispute

Complaint:
I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called Equifax and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to Equifax of the matter and they said they were not reporting to Equifax and informed me that Equifax is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called Equifax on this information and they told me they would file a dispute. 
I received information on the completed dispute from Equifax on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. Equifax is using the 3rd party vendor XXXX who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to Equifax, however they will not contact Equifax since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: MO
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:
This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning   of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: NY
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 am submitting this complaint in regards to my XXXX XXXX/XXXX  account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX ( XXXX ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at express that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by 39 points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.

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 2018-05-10
Company: LEXISNEXIS
State: IA
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: Problem with personal statement of dispute

Complaint:
I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called XXXX and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to XXXX of the matter and they said they were not reporting to XXXX and informed me that XXXX is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called XXXX on this information and they told me they would file a dispute. 
I received information on the completed dispute from XXXX on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. XXXX is using the 3rd party vendor LexisNexis who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to XXXX, however they will not contact XXXX since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Continuously Hacking of cellular devices by resident in housing developement, identity theft and attempted bank fraud! With in the last 2 days, there has been attempts to hack into my bank accts, an unauthorized individual attempted to purchase a alcoholic beverage for {$53.00} at at XXXX XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX, on Thurs, XX/XX/2020 at the time XXXX using my stolen identity with a PayPal debit card linked with my XXXX  Debit card! The XXXX detected the attempt, but PayPal had no record of the attempt and believe the individual was utilizing a Guest Transaction! Thare is a serious problem in XXXX with hacking of Cell phones and bank fraud! The XXXX admin. Is doing absolutely nothing about the spreading threats to senior citizens in the City! And the police dept is incapable of addressing the issue! The victims are left to defend and deal with the problem themselves! I on the other hand had decided to do my own investigation of the hacking, because of my background as a XXXX   XXXX  XXXX  from the XXXX XXXX! I was able to trace the source of the cell phone hacking to a resident in my building name XXXX, who resides in # XXXX, XXXX, NY XXXX he has be caught using a XXXX keyboard to remotely control the cell phone! The hacking technique is called " XXXX XXXX '' it involves remote having of Wi-Fi Routers and cell phones, rerouting of emails, texts & phone calls to the hackers server, identity theft and bank fraud as well as illegal surveillance by activation of the camera and microphone of the device! It also involves stealth background operations and processing of the device applications which allows the hacker to download encoded files in relation to obtain under age XXXX XXXX  materials undetected, so that they can secretly transfer it to unknown cloud accounts on the Dark Web!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Riverwalk Financial Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2018 I sent a letter to XXXX XXXX XXXX explaining to them That I am XXXX and my ONLY income is XXXX from Social Security, which is exempt from collections. I also sent my award letter from Social Security. I asked them to remove a collection from my credit file which is causing my credit to be poor. They responded with a counteroffer of reducing the debt 25 % of {$3600.00}. I am on XXXX permanently. I am unable to work for the rest of my life due to poor health. I called on XXXX at XXXX am and explained it to 2 different people. The last man I talked to told me he would look into it and call me back. I have not heard anything from them yet! It is XXXX. They gave me 30 days to respond and when I did they didnt respond back to me. Tomorrow will be 30 days as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions Inc.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was looking over my Experian credit report to make sure the information was accurate and noticed a ton of inquiries that I did not make. Experian makes it fairly easy to dispute information through its online services which I have used before to dispute inaccurate information and was successful, however the website did not allow me to dispute the hard inquiries online, but instead prompted me to call. I called and spoke with a representative. I told her that I wanted to dispute the inquiries on my credit report. I had already been in touch with some of the companies that made the initial inquiry and was unsuccessful. I relayed this information back to experian to see if i could go ahead and dispute through them and the answer was no. The representative told me that they do not dispute inquiries unless I had a deletion letter from the company that made them. I received absolutely no help from them whatsoever and do not know what to do ... 

The inquires that are in question is XXXX XXXX XXXX XXXX auto ( several inquiries ) XXXX XXXX XXXX XXXX XXXX credit XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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 2018-05-10
Company: Oracle Financial Group LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I was given a call by Oracle Financial Group LLC by XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
State: IA
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:
Chase dispute and the Chase executive office have failed to provide adequate reasoning and evidence for their denial of my dispute of prepayment made to a contractor. Chase claimed in my original dispute XXXX that they mailed letters to me stating that the contractor had rebilled my account as proof to support their claim that too much time had passed to investigate the matter. 

To provide a brief recap of that, the other party rebilled my credit card after I disputed them for not finishing their contract and walking off the job. Chase did not deny my right to rebill and instead stated that too much time had passed after I disagreed with their finding in writing. I know from working in customer remediation with executive offices at other companies that the elapsing of time is a valid reason to deny a claim but it is legally invalid when the company itself is the cause of the time delay. That is what occurred in this case. 

Chase originally attempted to state I didn't respond to their rebilling in time ; I did not know that the rebilling had even occurred until after the time limit had expired. I immediately contacted chase when the balance was reinstated on my account and only then realized this had occurred. As earlier stated chase responded to the CFPB complaint in XXXX by stating they had mailed letters to me during that period which I did not receive. 

In my complaint XXXX I stated that I had never received these letters from chase ; no notification was shown on my account on their website either which I logged into almost daily during the period where this incident occurred. In their response to this dispute chase admitted they didn't have any proof of letters being sent out, handled by a mail carrier, or delivered to my address. Another note is that the Chase executive office called me on Friday XXXX, 2020 to tell me that their response to my dispute was in the mail. I have not received this either. 

I would also like to add that during this dispute period Chase without my consent withdrew in excess of {$3000.00} from my bank account resulting in a bounced check that I had made to another person. They also posted interest fees to my account while CFPB complaints were pending against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Prior to XX/XX/XXXX I contacted Chase online informed that I was receiving several texts/email for deposit code from them and I was not trying to deposit anything. Chase representative checked the account and assured me everything was fine. On XX/XX/XXXX I called Chase online advising them there were two deposit items on one of my account and I nor my son had deposit these items and they were not mine. Chase representative told me that the items looked legitimate and they appeared to be part of the Government stimulus funds. I told the representative I had already received these funds and I insisted on speaking with Chase Fraud. I told fraud the items were fraud, no funds and I believe my account to be compromised. I ordered one account suspended/closed and I changed the passwords and emails for both account. Chase later confirmed the items were fraud and charged my account for the returned items. I have contacted Chase several times asking that the charge for the two return items be removed from my account after all I contact them before, on the day of the fraudulent ites and that I had not use any funds from the 2 fraudulent items. Chase refuses to refund me. Am I suppose to protect my Chase Bank account, or is Chase supposed to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an account with MoneyLions in XX/XX/XXXXor possibly XX/XX/2019 I requested a card and a card was sent out to me however I never received that card so another request was put in another card was sent out again I never received that card I was able to create an online account login to my online banking have access to my account and routing numbers as well as link external accounts I just had no debit card. I filed my taxes and request a direct deposit into that Account which is where my stimulus payment went as well and around all this time my phone was stolen and unfortunately my banking app was on my phone as well as logged in so I contacted XXXX  made a report as to the phone being stolen and wipe the device clean however unfortunately it was too late and some of the information had already been accessed and compromised days later I was able to get a new phone And as well have my number ported over which after doing so which was nearly a week later I received a call from as well as text from XXXX  which is a fraud company a third-party I believe through the bank letting me know that my card was suspended and there was fraudulent activity that had occurred on my card at that point I notified them that I did not have a card i then the very next day contacted the bank and filed a claim dispute at which the outcome of that was that a credit would be provided to my account and a new card would be expedited XXXX   as well that upon delivery that verification of ID and signature be required for not only my protection but theres as well however unfortunately I ended up very very sick and in the hospital and as to the card being delivered I have no knowledge of if it ever was or wasnt but What I do have knowledge of is that I was able to log into my online banking activity and not only was all the money compromised from my account but there were fraudulent transactions and the transactions were identical to the prior transactions so I contacted the bank to file another claim advising them of everything that I was aware of and as to me never receiving the card once again Ive now waited 10 days and havent received feedback so today i contacted them again and was able to get through to the supervisor which they are now in process of working on as well as providing a provisional credit however they have put a lock on the account not allowing me any access to the funds whatsoever until the investigation is complete which could be up to 90 days that is unethical and illegal As the federal banking law stipulates they have 10 days to either provide provisional credit or have a resolution as to the investigation.

Company response to consumer: Closed with monetary relief