BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had the unfortunate situation where the merchant charged me {$950.00} for the XXXX XXXX. They utilized my XXXX XXXX from USAA that advised that if I didn't give them permission to use the card then it is considered fraud and per the terms of XXXX XXXX themselves has the area which shows it as a fraudulent transaction.

Please see the area below : Thieves may acquire records containing your personal information and/or account information from intercepted or discarded financial statements, payroll stubs, or other records sent to you or from third parties with whom you interact in your normal course of business where such information is disclosed.

My XXXX XXXX was on the XXXX   Webpage. The merchant in XXXX made the charge without my permission and I contacted them as a email came through to me. They advised me it was in error and it would be cancelled.

USAA had me completed the required Fraud forms and submit them and after many months came back with a non written response stating that I gave them permission to use my card. I firmly denied it and they insisted and then went into a personal matter I told them about my health. ( Per their request ) The USAA representative sided with the XXXX XXXX with no proof to back their position. They do not have a signature and they have my sworn statement that I contacted them in the window of cancellation with no charge if the employee hit a button during the call. I expected a company with a reputation that was built by XXXX  would not be soiled by lies and fraud.

I have requested all proof with signatures that show that I made the transaction. Additionally, the hotel is not admitting to calls and stating that I needed cancellation numbers which they said were not needed at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: CA
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 had paid off the full balance of my XXXX XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX  but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: HW Holding, Inc
State: SC
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:
Hunter Warfield has broken several Fair Debt Collection Practices Act laws. First, they never sent me notification of the debt. I did n't even receive any notices giving me 30 days to respond. They said they did but I never did receive anything. If they did send anything, it needs to be documented via certified receipt.
I filed an identity theft report and also sent them the information because I do not know where this debt came from, and it is indeed identity theft. I sent them the identity theft affidavit, and they failed to acknowledge it as well.
I also asked for verification, and I did not receive anything. I have attached everything that was sent to them certified. Another law they broke was verifying this proof with the credit bureaus after I have requested verification of the debt and filed identity theft. During that time frame, they still verified this debt. CC : XXXX XXXX XXXX XXXX XXXX XXXX Attorney, BBB, FTC

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CURO Intermediate Holdings
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX, I noticed a collection entry on my credit report. On XXXX, I wrote a debt validation letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS, XXXX via certified mail. The letter was delivered on XXXX to the Front Desk/Reception/Mail Room according to the USPS tracking information. As of XXXX, I have not received any communication from XXXX XXXX XXXX regarding the validity of this debt. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: NY
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 one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Incomm Holdings Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
trouble ticket # : XXXX Acct number : XXXX Card ending in XXXX XXXX XXXX XXXX On XX/XX/2020, I contacted MyVanilla customer service and reported several unathorized charges from a merchant called " XXXX XXXX XXXX. '' I MEVER got a notification that these charges were being made using my card, not one fraud alert, nothing. 
I was told that I needed to fill put a dispute form, which they did email me and I sent it back to them both via email and fax the very next day. A few days later I received a letter in the mail stating that my claim had been denied. 
HOWEVER, 2 days ago onXX/XX/XXXX the dispute team JUST NOW emailed me saying that they had now received my completed dispute form and that it would be reviewed by the dispute team. 

It had been more than 10 days and nonprovisoonal credit was issued and on top of that the information which they requested and I returned promptly, was not even reviewed. 
I contacted the merchant XXXX XXXX XXXX, myself and told them about the unauthorized charges, etc. And requested that they reduce some sort of identification, which I knew that they could NOT produce because I was not the one making the purchases on their gambling site. 
I have screenshots to prove everything that I am stating to be completely factual and accurate. 
Incomm/ myvanilla violated regulation E. Clearly. 

I have been the victim of fraud. 
I should be entitled to my funds that were stolen. 

During this pandemic, the worst time for this to happen, and it happened. 

Now the card issue refuses to rightfully return my money to me and I cant speak with anyone via customer service that can help me out by doing anything useful for my situation. 
I am SO stressed about this .... 
Please help me get my money back asap. 
I did not make these purchases. 
My card information was stolen, the merchant can not produce ANY proof that I made these lurchaes myself, the card issuer should have issued provisional credit, and XXXX should have actually read my completed dispute form which I sent to them promptly. I gave an explanation as to how I believe this happened, merchant communications, nd other details. 
This is not right or lawful. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency Capital Accounts sent a bill for a medical debt account. I sent a request letter for the information to be validated and they sent me a copy of the bill from the original creditor which is a dentist. They violated HIPPA by sending a copy of my bill which included my procedures, operations, medications, etc. I did not sign a HIPPA form authorizing the collection agency to access my medical records. Collection on accounts has to cease immediately and the information needs to be removed from my credit reports as well. They are not allowed to collect or report on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I can't redeem my points for cash back or for anything. It says I'm not enrolled, but I'm earning points. I should be able to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid and the company told me that they would remove from my credit report and they lied to me I am very disappointed the way that company lied to me in order to get their money very deceiving company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

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 2018-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have been on the phone with Portfolio Recovery countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX  and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BTH Management
State: TX
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:
I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Ocwen Loan Servicing, LLC, communicated for the first time that the flood insurance had expired. Under Florida statutes a lender or servicing company must provide sufficient notice to the homeowner at least 30 days before it actually expires to avoid any gaps or lenders force placed insurance. 

We provided flood coverage. However on XX/XX/XXXX, Ocwen loan servicing LLC, responded that was unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX. 

In response to their letter dated XX/XX/XXXX, unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX, be advised Ocwen Loan Servicing LLC, stated on thier previous letter on XX/XX/XXXX, that the policy had expired. This means that there was an existing policy. As per Fema regulations, when ever a homeowner has an existing flood policy there is no gap when renewal because is a rollover.

As per Fema regulation, when is a new flood policy then there is a 30 day wait. Ocwen made an admission on XX/XX/XXXX, by clarifying that there is an existing flood policy and therefore is a rollover with no gaps. Whys is Ocwen referring to a Gap? Because is a long time scheme Ocwen was engaged to for many years. 

In XXXX, a class action lawsuit XXXX v Ocwen Loan Servicing, the servicer agreed to a XXXX XXXX class action lawsuit settlement over allegations they entered into a force placed-insurance scheme that charged the homeowner inflated premiums for flood policy. 

Ocwen, failed to provide us with the flood renewal within the statutory 30 day prior notice to the policy expiring. We ask that you investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: NC
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 dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX and they said my account was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile.

I reached out to the XXXX, Equifax, and XXXX  to inform them
of dispute and inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All
three bureaus failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile. 

P.S. 
All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

Sincerely XXXX XXXX Address : XXXX XXXX XXXX   XXXX, NC XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: MoneyLion Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I can not use my account because they closed it for " security '' measures. I have XXXX in the account. With pending deposits. And after 8 and a half hours of talking to multiple reps and a supervisor no results have came even after I supplied documents that I am who I say I am

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled my credit report from all XXXX agencies. I noticed a collection listed from Ability Recovery Services with 2 accounts that I did not recognize. Acccount ID : XXXX for {$52.00} and XXXX for {$52.00}. On XX/XX/XXXX I sent a certified letter to the Ability Recovery Services requesting  validate the debt. On XX/XX/XXXX, I received a letter from the company with a printout of a bill. On that bill it states that the XXXX XXXX Due amount is XXXX. Then under that it states under creditor information that the current balance is {$52.00} for both accounts. The printout does not state what the charge of {$52.00} for both accounts is for. I sent another certified letter which was picked up by someone at Ability Recovery Services XX/XX/XXXX at XXXX. In that letter I requested that the company provide me a breakdown of the fees, what the fees were for, who and how it was verified and verification of a HIPPA authorization. I have not received any documentation or response from my letter since it was received by the company XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, 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:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I had XXXX fraud on my credit card which I cancelled and have not received yet. 
XXXX has charged my new credit card which I have not received, and I do not have the number to use, without my permission. 
I was told by capital once that, Visa Mastercard gave my new credit card number to XXXX ..... I did not give them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening, and please help me with this. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.

Company response to consumer: Closed with explanation