BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOVERY ASSOCIATES has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who PORTFOLIO RECOVERY ASSOCIATES is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PORTFOLIO RECOVERY ASSOCIATES is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from PORTFOLIO RECOVERY ASSOCIATES via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized PORTFOLIO RECOVERY ASSOCIATES as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ PORTFOLIO RECOVERY ASSOCIATES } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to PORTFOLIO RECOVERY ASSOCIATES, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My sister and I are joint trustees on an estate Trust account that our father left for the care of our mother. This account is currently held with Capital One at the XXXX, VA branch. When he passed away in XX/XX/XXXX we went to the branch to present the Trust documents and completed the required process to represent and manage the account. Since that time we have had no issues accessing the account funds. Suddenly and without notice in late XX/XX/XXXX we received a call from the memory care facility where our mother is a resident indicating the payment sent from the account for XX/XX/XXXX services did not process. We contacted the Capital One only to learn that the account had been frozen as they had questions about our trustee roles. Despite almost daily calls we continue to get the run around indicating their Legal dept is still reviewing the situation. Meanwhile we have no access to the account funds. We were told we need to complete new signature cards so we did that on XXXX XXXX, XXXX anticipating that would be the answer, but still nothing. It has now been over 30 days without resolution! They have refused to provide a contact above the Branch that we can discuss this with or connect with our attorney. 

Today I was told they discovered another signature requirement and their Legal group is working on the details. Upon receiving this information, I told their representative XXXX that if the situation was not resolved by Friday XXXX XXXX, I would be escalating my approach. 

This situation is horrendous. We have been forced to access other funds to pay for the care of our mother and there is no evidence of urgency from Capital One. We are prepared to cooperate with any action required to address this situation and look forward to your contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ENCORE CAPITAL GROUP INC.
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXXthrough today ( XX/XX/XXXX). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails,XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I should be receiving near {$10000.00} dollars through the XXXX  XXXX XXXX but everyday the transaction isnt deposited into my account and is pushed back until a later date.

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 2020-07-09
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Transworld Systems Inc ( TSI ) to dispute a XXXX XXXX bill, and they sent me the paperwork to dispute the bill. I filled the paperwork on XX/XX/XXXX and returned it back to XXXX XXXX. I followed up with TSI, as instructed on several different occasions : XX/XX/XXXX, XX/XX/XXXX & XXXX speaking with various different agents there, including XXXX XXXX and XXXX XXXX, each time receiving a different story about the status of the debt. I was told that once that XXXX XXXX mailed out paperwork regarding the dispute on XX/XX/XXXX. By XX/XX/XXXX, when I had not received it, I called and was told that someone was going to look into it, and call me back with an update, that they need to reach out to XXXX XXXX. I asked if I should call XXXX XXXX, and was told that they will not be able to help me, and they would just send me back to XXXX, since the account was in collections. I never heard back, then I called back again on XX/XX/XXXX and then got a completely different story, that XXXX XXXX hadn't sent out anything yet, and that no one basically knew what was going on, and I keep getting the run around. The debt is not mine, I have provided all the requested paperwork and have confirmation of the fax being received. I would like this debt removed from my credit report. I submitted more than 1 dispute for this account, only to ever receive dispute paperwork. I have asked for the written contract for this debt. I have requested that if they do not have the proper documentation that they remove this immediately, under Section 611 ( a ) ( 5 ) ( A ) ( i ). A final bill from the original creditor is not verification. Please assist in this matter. I also received a call from a XXXX number, and was told that it was in regards to my dispute on XX/XX/XXXX. When I called that number back, it was a sales call for utilities at a lower price. I believe that was my information was sold or compromised because they specifically referenced my account with TSI and the dispute. I did bring this up on the call to Ms. XXXX, when I spoke with her on XX/XX/XXXX. This has been going on for nearly 2 months now and I just would like help to get this issue resolved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX  XXXX, Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.

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 2020-12-16
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, JPMCB - CARD SERVICE, on XX/XX/XXXX, XXXX, XXXXXXXX/XXXX  and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fraudulent charges were posted to my credit card account which were disputed and a complaint submitted with CFPB ( See Complaint ID # XXXX ). Case was found in my favor as credit card holder. TD Card Services issued credit for the fraudulent charges on XX/XX/2020. TD Card Services failed to issue credit for any of the interest charges accrued during the 8+ months it took to resolve the situation. Therefore another complaint was submitted to CFPB ( see complaint ID # XXXX ). Again case was found in my favor as credit card holder. TD Card Service credit interest charges up to XX/XX/2020 on XX/XX/2020 but not all interest charges. However since TD Card Services took until XXXX to provide credit/refund of interest charges interest fees were charged by TD Card Services on account statements dated XX/XX/2020 in the amount of {$44.00} and statement XX/XX/2020 in the amount of {$42.00} totaling = {$87.00}. We pay our credit card account off every month and did not carry over a balance any month in 2020 with the exception of the fraudulent charges and any finance charges, which I refuse to pay. Therefore we are seeking a credit/refund of all interest charges incurred during 2020 to date including the 2 mentioned above and any subsequent interest charges until matter is completely satisfied. We are demanding TD Card Services follow it's obligations set forth in the " Credit Card Agreement '' and the " Visa Zero Liability '' arrangement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
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: Account status incorrect

Complaint:
There is inaccurate information on my report, specifically the account XXXX from 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 explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, 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:
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX  creditor : XXXX XXXX XXXX account # XXXX balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

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 2018-07-25
Company: Bread Financial Holdings, 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 have disputed this account entry with both the credit bureaus and XXXX XXXX XXXX as they are reporting this as XXXX XXXX on my XXXX report. In XX/XX/XXXX, I noticed that XXXX XXXX ( XXXX XXXX XXXX ) had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my entry to XXXX XXXX XXXX addressed as XXXX XXXX in my letter dated XX/XX/XXXX and XX/XX/XXXX since this is the reporting that XXXX  is doing. This is inaccurate and misleading. XXXX should be reporting as the reporting agency. To date, I have not received any correspondence from XXXX XXXX regarding my dispute. See attached documentation that reflects the company indeed received my dispute, yet failed to respond. 

XXXX XXXX XXXX ( XXXX XXXX ) reports no payment history on my report, which is yet another inaccuracy. If an account was opened and they are stating it is a collection account, it should have payment history. VIOLATION AND I WANT THIS ENTRY DELETED IMMEDIATELY!! THERE IS NO VERACITY IN THE INACCURATE REPORTING OF THIS ENTRY!! 

It is evident that XXXX XXXX XXXX ( XXXX XXXX ) is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entries. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Colony Brands, Inc.
State: OR
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:
XXXX XXXX allowed an individual to open a new card account in my name and subsequently allowed a charge for jewelry. It was shipped to a different city than I live, to an address I have nothing to do with, to someone I don't know. I had a XXXX card in the past but it was closed about 20 years ago. I have not opened a new card. 30+ Days ago I spoke with XXXX and their fraud department, they told me they would cancel the card and start a fraud investigation and provide me with information within two weeks. I have yet to receive anything AND am still getting promotional material for the account that appears to still be open. I am having to pay on this fraudulent account to keep from having derogatory reporting from XXXX XXXX on my credit report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-25
Company: Western-Shamrock Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am behind on my loan. My husband recently lost his job. The company keeps calling. They call me multiple times a day. They leave me multiple messages. They keep calling my job multiple times a day. Now they have stopped calling my personal phone and only call my job. They will not stop calling me at work. I am afraid I will loose my job because of this. This violates my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX credit card with XXXX XXXX. 

-the bank changed the monthly due date from the XXXX of the month to the XXXX of the month without informing me. 
-charged a late fee ; even though the payment was submitted on time using electronic funds transfer ( inter bank ) which my bank does within one day - I have electronic confirmation. 
-when called to get a refund of the late charge, only a partial refund was creditied. I was not informed of a partial refund and was told on the phone that I would receive a full refund of the late fee -daily interest was incurred on the remaining balance of the late fee - when payments were made, none of the funds were credited to the revolving balance. Only credited to non revolving balances. 
- when called to inquire about the charges, initially I was told that nothing could be done about it. I insisted to speak to a supervisor that after many inadequate explanations could not fully justify the charges to my account. 
-was told bill pay via electronic funds transfer ( inter bank ) take 5-7 days to post to account when doing inter institution bank transfers..ie- check not being mailed. = NOT true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: CarMax, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, CarMax XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, 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:
CRA violation no knowledge Name, Address, Telephone and Inquiries that I did not authorized appeared on my Equifax credit report.

Company response to consumer: Closed with explanation