BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: Experian Information Solutions Inc.
State: LA
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:
Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!

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 2021-02-17
Company: Netspend Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2021, my XXXX year old son received a solicitation to open/use a NETSPEND XXXX by XXXX card. He does not have a job and did not apply for this card. When I tried to contact the company to see why he was sent the card, I could only reach a voice prompt that said I could press 1 to activate the card or 2 to deny the card. When I pressed 2, I was told I had to enter the card number and the # sign for this option. I was not comfortable with doing this option. 

I do not think it is right for a bank to reach out to a minor with this type of offer.

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 2021-02-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against BBVA USA located in XXXX, AL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, [ insert CAs name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

Below would be the following dates I sent my letters to them : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Lending Club Corp
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have received 2 emails from these people notifying me of a refund owed and asking me to update my address which I did twice ... this was in early 2021 and I have yet to receive the refund. I have called on multiple occasions, sent emails etc ... they are un responsive as the representatives are unable to provide me answers and although they say somebody will call me nobody ever does. I believe the refund is due to an interest overcharge but I have yet to receive the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: KY
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:
Before XX/XX/XXXX my physical credit card was stolen. I did not notice the missing card until XX/XX/XXXX, when I noticed charges that I personally did not incur. The charges totaled {$920.00}. These charges were all made in brick and mortar store fronts. I immediately phoned Chase Bank 's fraud department to report the fraud. At first Chase was helpful, they immediately issued credits to my account, when asked if I should file a police report Chase said that would unnecessary. After almost two months I received an email from Chase that said a new notice had been posted to my account. After about 10 minutes of scouring their website I found the letter buried within my alone account. Much to my dismay the letter read that I was responsible for the listed charges with the only explanation being " I received benefit from these transactions. '' I called Chase the next day to better understand their decision. Their response was that because I admitted to two charges that occurred within the fraud period, I had been in possession of the card I reported stolen. I explained the two charges, one from XXXX company and the other from XXXX were both reoccurring purchases, which they would have noticed had they done any due diligences and looked at previous statements. Chase opened the case back up and said they would look into it. After 15 days Chase came back to me with the same answer, I was responsible for those transactions because " I received benefit ". At this point ( XXXX XX/XX/XXXX ) I called the local police department to file a report, unfortunately because of the gap in time there is nothing they can do as the security footage of these stores is not permanently stored. I am beyond frustrated, I pay my card balance in full every month and have been a Chase customer for over 7 years. My combined card limit is over {$40000.00}. This is the first fraud I've ever reported. I am extremely unimpressed with the lack of customer service I received throughout this entire process. It's not the money at this point, it's the principle. Hopefully someone sees this and if you ever have any fraud with Chase be sure to immediately file a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/21, I deposited a check from XXXX XXXX XXXX, XXXX in the amount of {$8900.00}. Two days later, Chase released the funds and I used this money to lease a new car. On XX/XX/21, Chase reversed the deposit and took all of the money back, stating the check had insufficient funds. 

Chase shouldn't have released those funds if they were insufficient. Furthermore, I've asked them to do a formal dispute with me for this check and they said no. They did say they'll escalate the issue but I have not heard back from anyone at Chase. 

I need help from Chase to dispute this and get the funds back into my account. I believe the person who wrote the check - who is ignoring my repeated requests to re-pay me the {$8900.00} - is committing fraud and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: National Credit Systems,Inc.
State: TX
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 launched an investigation into National Credit Systems reporting of a debt with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX  XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, National Credit Systems is falsely reporting this as a debt owed on report with XXXX  and XXXX. THIS IS false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 would like to file a complaint against the collector Portfolio Recovery Associates, LLC for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Portfolio Recovery Associates, LLC to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have to more 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
anytime I file a dispute they tell me that I have to get a letter from another company. They make it impossible to dispute a transaction. CapitalOne never send anything in the mail about dispute but the bills come faithfully I switched from the Capital One card to the Venture and was told that I would get the annual fee refunded after 2 month I was told that there is no refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX at approx. XXXX my XXXX XXXX XXXX   was repossessed by XXXX XXXX XXXX XXXX XXXX on the request of ALLY Financial Online - IRepo .

for late payments as follows : ( i ) 1 of {$220.00} and 2 of {$280.00} = {$790.00} ( ii ) Late Charges = {$110.00} and ( iii ) Expenses ( Retaking and Holding said vehicle ) = {$400.00} a total of {$1300.00} which was PAID on XX/XX/XXXX. ( 1 ) After paying the FULL total of {$1300.00} and the Towing company Charges of {$95.00} ( Storage = {$20.00} and Handling fee = {$75.00}. ( NOTE : The Towing Company would not release the vehicle unless it was satisfied that ALL payments were made. I left with my vehicle at approx. XXXX. Ally Auto Financial then sent a bill with a {$240.00} MISCELLANEOUS Charges. When I enquired they told me its from the Towing charges, REMEMBER they already charged me {$400.00} for Retaking and Holding vehicle. ( 2 ) I decided to PAY off the vehicle to avoid any more problems with the bank and on XX/XX/XXXX I called and requested a Pay-Off Quote and was given a quote of {$5100.00} good for Ten ( 10 ) days.I PAID with a XXXX XXXX Cashiers check for $ XXXX.I then went to the USPS Postal Service and mailed the check Certified Priority - Express, Tracking # XXXX XXXX XXXX XXXX . delivered XX/XX/XXXX @ XXXX. ALLY AUTO acknowledges receipt of the check which was posted on XX/XX/XXXX ( Four ( 4 ) days later and well within the Ten ( 10 ) day time limit ). I was told that I would get my car title within Fourteen ( 14 ) business days Confirmation # : XXXX. I then got a bill that I owe {$31.00} MISCELLANEOUS Charges. XX/XX/XXXX I submitted a complaint to the Florida Office of Financial Responsibility ( OFR ) who notified me that they mailed your office a copy of this complaint. I still have NOT heard from ALLY AUTO or received my Title. I believe I was robbed by the bank of the {$240.00} MISCELLANEOUS fees and would like to be reimbursed and given the title to my vehicle. Thanks for taking the time to investigate this request. I have all available documents, if requested.

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 2021-09-08
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Wa XXXX Has been sending me collection notices. The collection has been reported as ast due balance. I dont not know this company. This company does not have a contact with my signature. This debt is a 2018 debt i was incarcerated at this time ive tried to resolve this error with convergent outsourcing inc multiple times.

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 2021-02-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, We are current with our mortgage. 
We have been told by shellpoint mortgage co. that our payment has increased by over {$500.00}. 
Their reason is something about reserves. We can not afford this large increase. 

We have attempted to resolve this with them but they will not work with us at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: TX
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 ; Experian and XXXX are reporting incorrectly a collection on XXXX XXXX XXXX XXXX partial account number XXXX*****. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit 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 explanation
Consumer complaint received 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Reading this pointless letter was a huge waste of my time. However, acting oblivious to the consumer laws does not make them go away. The laws are the laws, and they stand as such which I see you lack knowledge of. Unfortunately for you, Im just going to take this process to the next step and my rights will be enforced by a court. Also, unrebutted affidavits stand as truth, so maybe learn about the laws to avoid embarrassing yourself next time. Take care, talk soon. Cant wait!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TD BANK US HOLDING COMPANY
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:
I have fallen victim to identity theft due to the XX/XX/2017 XX/XX/XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I applied for a XXXX XXXX secured credit card, o was denied. Do I went to XXXX XXXX. One there I pulled up. I pulled up three credit reports. Had one negative remark with XXXX, it wzas gor the original {$300.00}. I then attempted to go to Wakefields website to see if I could get any info. Well it required an account Number which I didnt have, I called them spoke with a lady named XXXX she states there is more than {$300.00} on my account I asked her to send me records with all We. on them. Well on XX/XX/XXXXI received an invoice from them for only the additional charges not the {$300.00} we stayed with was not on there at all.They are located at XXXX XXXX XXXX, XXXX Tenn their phone number is XXXX. Now on XX/XX/XXXXI wrote them an email expressing that I did not understand why The amounts the had and the amounts credit reports showed was two different figures. Today onXX/XX/XXXX I received the invoices

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