BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-08
Company: APEX Asset Management, LLC
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:
Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : Apex Asset Management Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : Apex Asset Management. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard InquiryXXXX XX/XX/XXXX. XXXX XXXX. This is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: GA
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 sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXX 2 ). XXXX  : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXXXXXX 2 ). XXXX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. Experian : a. XXXX XXXX b. 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 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This issue has been languishing since mid XXXX when Capital One froze our teenager 's checking account. Capital one decided they had 'to investigate ' this account which has less than {$500.00} in it. Finally, after two and a half months, Capital One decided to close the account. No communication. No indication of what happened to those funds. Outrageous that our 10 other accounts were impacted ( since resolved ) but it's theft to close an account and keep the money. We need Capital One to send our kid his money immediately. Otherwise, I will open a fraud detection alert on this account and file a case with the FBI. 

We've never gotten a sincere apology from Capital One for all the trouble they've cause, just some gratuitous form letter. At this point, we just need Capital One to return our kid 's money and we'll finish migrating our accounts to a reputable financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX left a message on my boyfriends voicemail discussing contacting my son and discussing contacting my sons employer about debt my adult son supposedly owed. I then called XXXX XXXX at XXXX XXXX XXXX who discussed with me the exact amt. my adult son owed on a loan from Loan Cashnet and that the loan was taken out in XX/XX/XXXX. It is my understanding that debt collectors can not disclose this information to friends or family which XXXX XXXX at XXXX just clearly did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a XXXX  XXXX XXXX XXXX awhile back to build my credit and the card has not been reported to 3 credit bureaus. They promised to report and help build credit and when I called them they said they sent the info to the bureaus but I see nothing reporting this card

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 2021-02-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a new checking account with Citizens Bank XX/XX/21 ( Application # XXXX ). On XX/XX/21, I received an email from Citizens stating that my new account was open and a {$50.00} transaction was processed from my debit card ( from another institution ) to fund the account. At this point, I setup an online account to access my new checking account and setup my paycheck to be direct deposited into this new account at Citizens Bank. I opened this account under a promotion offered by Citizens Bank for a {$400.00} bonus for opening a new checking account with direct deposit ( Promotion code = XXXX ). 

On XX/XX/21, I received in the mail a new debit card for this account. When I called the number to activate my debit card, I was instead forwarded to a representative. He said there was a problem with my account and he needed to speak with a supervisor. After waiting for a total of 45 minutes on hold, the representative told me there was nothing he could do to help me and nothing he could tell me about the problem. He said I should wait for a letter in the mail which would come in a day or two. At this point, I also realized that my online account was locked and I could no longer access my account. 

On XX/XX/21, I finally received a letter from Citizens Bank. It stated that my account had been closed. It offered no other information other than vague threats like " If you continue using this closed account, we will be forced to place a freeze on it. '' In fact, earlier that day my paycheck in the amount of {$500.00} was direct deposited to this account, as I had set up earlier. 

The letter also claims that they will send me a check for the balance at some point in the future. But they have no right to hold my money. They have already held {$50.00} for more than 2 weeks and now they are also holding an additional {$500.00} from my paycheck. Furthermore, as I have set up ( and they have received ) the direct deposit required for the promotion they offered me, I am now due the {$400.00} bonus that was promised. At this point, I have no idea when I will get my money as they have refused to speak with me on the phone. The letter I received is signed by " Fraud Operations '' but it seems clear that Citizens Bank is the one perpetuating a fraud here. The have enticed me to sign up for an account under false promises of a bonus, and then locked me out of access to my own money. 

I have attached screenshots showing the promotion that was offered and the promotion code attached to my account application. I have also included a copy of the letter I received. Finally, I can not provide my full checking account number as I have been locked out of online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Broward Adjustment Services
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I sent by mail a verification letter to the collector. I informed them that I did not recognize the account that they are trying to collect. Also I requested them verify the debt as required by the Fair Debt Collections Practices Act ( section 1692g ) and XXXX XXXX  XXXX Administrative Code ( section 20-493.2 ). I asked them for : A copy of an original document confirming the debt to the original creditor ; A copy of the final account statement issued by the original creditor ; A document itemizing the total amount due and additional charges ; and Any other documentation verifying the balance and all other charges alleged due. 
Unfortunately to date I have not gotten any verification from the collector. To my surprise, today I have checked my Credit Report and I noticed that the collector only updated the information as : " Account Information Disputed by Consumer ''. It means the collector got my letter but it did not verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Diversified Consultants, 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:
Company # 1 : Diversified Consultants , Inc . 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : Diversified Consultants , Inc . Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. This is an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated robo calls telling me I have an outstanding debt and threatening to take legal action. several calls a day from Meridian stating for me to call an XXXX number or they will take legal action. To my knowledge I have not debts which have been turned over for collections.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XX/XX/2005 this a XXXX educational loan account has appeared on my credit report due a fraudulent signature executed by my ex-spouse in attempt to implicate me in her student loan debt. I have disputed this account several times and have since been held XXXX by both XXXX and Experian for student loan debt that is NOT connected to me and is detrimental to my credit score. The ex-spouse has since legally accepted all responsibility for this debt through the Office of the XXXX XXXX XXXX XXXX ( California ) and is making all withstanding payments as per the legal agreement. This is a disgusting violation of my personal finance position and as you are acutely aware, I have no recourse to move on. Both the creditor and credit reporting agency refuse to do the right thing and remove my name from this debt despite me providing the all documentation associated with this claim.

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 2021-02-04
Company: Experian Information Solutions Inc.
State: CO
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:
Experian, XXXX and XXXX are showing an account for XXXX that is past the date of them reporting this so this is a violation of the Statute of Limitations and this is a violation of my rights under the FCRA and is actually a civil crime. I am requesting that all 3 credit bureaus remove this old outdated item from my credit reports immediately. 

The law is very specific and it even says on the credit report that it stays on until XXXX of 2021 and here we are in XXXX of 2021 Remove this violation immediately. See attachment to show proof

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 2021-02-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is in regards to my complaint sent on XX/XX/2021 on PayPal. Not only has an unauthorized charge on my account by someone in XXXX ( I've never been to, nor do I know anyone in XXXX mind you ) been allowed by PayPal, they have retaliated by limiting my account usage. I have tried twice to dispute the UNAUTHORIZED charge but they have denied me both times. I will attach screenshots. Now, to my knowledge this is the CFPB 's main function- keeping big bad consumers from violating the rights of consumers. 

Paypal states ( on the screenshot ) that the limitations are a result of questionable activity on my account. If they had used some common sense and put limitations on the transaction going to XXXX, we would not be involved in this dispute right now. Additionally, why would a transaction to XXXX not be considered questionable? There are no transactions to XXXX or anywhere else internationally on my account EVER! As one can easily see, this is willful malice on Paypal 's part. 

I am counting on the CFPB to con duct a thorough research into this as this is not the first time Paypal has acted with malice to me. The only reason I still do business with them is because there's a client or two who comes along that I am unable to convince to use another form of payment ( due to Paypal 's protection program ). And on that note why does the protection program not apply to me? 

Is it because Paypal does not count this as unauthorized transaction? An unauthorized dispute means that an account has been hacked and used without their consent. My account was hacked by an individual in XXXX and the individual used my account without my consent. Why is it that my funds are not being restored to me? Maybe it's retaliation. Maybe it's discrimination. Maybe it's laziness. Whatever it is, it is also a violation of my rights as again this charge is not authoirized by the account owner, who is myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In violation of 15 USC 1692a ( 7 ) Portfolio Recovery accessed my location information. Portfolio Recovery contacted I, hereinafter Consumer, on XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX   and XXXX XXXX, XXXX  without prior consent in violation of 15 USC 1692c. Portfolio Recovery caused my telephone to ring on the above afforementioned dates harrassing and abusing me with language the natural consequence of which was to abuse the hearer in connection with the collection of a debt violating 15 USC 1692d ( 2 ) ( 5 ). Portfolio Recovery used false and misleading representations in the initial communication by failing to disclose to the consumer that the communication was from a debt collector in violation of 15 USC 1692e ( 11 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/2020 I requested a courtesy update to my credit reporting as I was affected by Covid. An agent advised me they would do so, and every time I followed up they stated they were handling it. After six messages and getting the run around, no changes have been made. 

I told Chase that I was unemployed during the pandemic and once I got my job I immediately paid up. They in turn closed my account without any notice. 

All Im asking for is for my two late payment statuses to show as on time as they originally promised. The late payments were out of my control and only for two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender but all they do is give me the run around. I have provided everything that they need and they still continue to ask for more documents that is not required. 

Their intake team or underwriters have had my loan under review for over 4 months asking for more and more documents. Each time letting documents expire and then asking for more.

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