BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection age ncy Collection Services of Athens failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. The y did not produce the documents establishing liability to them. In  US la w encyclopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Collection Services of Athens b ack on  XXXX  and I received a bill which does not equal validation. I have disputed this with  XXXX  and they stated that the debt has been verified which is inaccurate and inval id. Co  llection Services of Athens h as not properly validated the debt within the 30 day time frame and are continuing to reporting invalid and inaccurate information on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: NCP Holdings, L.P.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX, I was a victim of Hurricane Ida, and I received a one-time deferral that was put until the end of my loan contract, due the the natural disaster. All of my other payments have been made on-time, and in full. However, this company illegally added extra interest to my loan, as part of the one-time deferment. The balance is incorrect, and being have been illegitimately charged interest. My maturity date is XXXX. XXXX. With the deferment, it changed to XX/XX/XXXX. However, this company illegally added interest without written notification, and is now trying to extend the debt even further. I was NEVER legally notified ever, in writing that there would be added interest due to my deferment due to XXXXurricane Ida. The company also NEVER notified ANY of the credit bureaus that I was effected by Hurricane Ida, like most other creditors did during that time. This added interest needs to be taken off immediately, due to the the aforementioned facts of nothing being sent to me in writing, as well as nothing being notated to the credit bureaus of me being effected by Hurricane Ida. Legally, they can not charge added interest without proper written notification at the time of the deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CITIBANK, N.A.
State: FL
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:
when i booked my XXXX XXXX ticket via XXXX website i was asked if i wanted {$200.00} off the ticket and XXXX extra miles when i charged {$2000.00} dollars on the new card. so I applied and was accepted. When i got my new statement on this new card that show the airline ticket purchased. I was told no {$200.00} credit of first XXXX XXXX ticket purchased and that i would not receive the XXXX bonus miles either. due to my having an existing XXXX XXXX  Citi bank issued credit card. I might point out that no place on XXXX XXXX website did it say for new card holders only. there refusal to grant the credit amounts to bait and switch and really is upsetting. Please order Citi Bank to live up to the offer they made made me on XXXX XXXX website. Had they not offered the {$200.00} on my first ticket with the new card i would have booked a much cheaper flight the the one i booked

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 2017-09-11
Company: EQUIFAX, INC.
State: OH
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:
Equifax was hacked. As a result, my personal information was divulged. This situation could potentially affect me and my family for the rest of our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: GA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  XXXX XXXX, 2017 Via US Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX Re : Account numbers : XXXX and XXXX Dear Chase Bank Representative : I am writing this to you due to inconsistencies in your reporting to the credit bureau. After the accounts were closed with Chase Bank, Chase Bank entered additional activity of late payments once the accounts were closed. This practice is deceptive and increased the amount of time the entries regarding Chase will be on my credit file.
I have attached the Chase Bank credit reporting for your review. This practice violates the Fair Trade Collections Practices. Once the account is closed the credit grantor should not continually report activity to lengthen the time of debt collection.
Since you do not have the correct information to solicit this debit please remove Chase and all trade lines regarding Chase from my credit bureau credit reports. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Additionally, I have submitted a complaint to the Consumer Financial Protection Bureau in response to this alleged debt. Please remove from all credit bureau files.
Thank you for your cooperation.
Sincerely, XXXX XXXX Cc : XXXX XXXX  XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Results Unlimited, Inc.
State: IN
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023, I noticed two unauthorized transactions were taken from my bank account for {$120.00} and {$410.00}. I found out that the bank stated it said legal order Debit case on the history and to contact XXXX XXXX XXXX, ( XXXX ) XXXX in XXXX XXXX, Va XXXX Instead of speaking to XXXX XXXX the number goes to a collection agency in XXXX, Va. where I no longer live and where there the debt was originated. The company did not notify me about the debt before they took the debt amount out of my bank account. my bank is still holding the funds and the company is stating that I need to sign a release form for them to receive the funds but I want to make payment arrangements and they seem to be making it difficult for me to do so. The original debt is {$250.00} but I'm being charged 6 % interest, Attorney fees : {$63.00}, and court cost : {$78.00}. Not right! All of these fees were taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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:
XX/XX/XXXX, 2023. 

I have a medical bill reporting as a collection on my credit report from an out of network provider named, XXXX XXXX XXXX XXXX, who is trying to collect a debt for medical related services without my prior authorization, in the amount of {$1400.00}. 
XXXX XXXX XXXX XXXX is violating my right under the " No Surprise Act of 2022 ''.

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 2022-09-07
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:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXXXXXX XXXX XXXX ) Account Number : XXXX 7. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) Account Number : XXXX 8. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did back in XXXX apply for a payday loan with CheckSmart to help my mother with her medical bills back then. I was also working as a XXXX XXXX XXXX so I had the financial means to pay the loan back in which I did. I received a phone call from a guy named XXXX and his voice message he left me said that he had some information in his office about me that I wasnt aware of and for me to call the number he provided. When I called the number a young lady who would not give me her name answered the phone. She never said a business name when she answered the phone and neither did XXXX leave the business name In the voicemail. She told me what the call Was about and with a lot of forceful authority in her voice said why havent I paid the balance? I stated its been 13 years since I paid that off and the original building I went to for the loan isnt there and hasnt been there since XXXX. She was really smart mouthed and rude and when I called her on it, she said that she didnt have time for me to ask her questions and for me to have a good day and then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had residence in apt complex XXXX XXXX located in XXXX XXXX FL. My lease ended XX/XX/XXXX. New residence wasn't available til XX/XX/XXXX. Asked XXXX XXXX if we could be prorated for 2 weeks and was informed that full month would have to be paid which was done and paid via their web portal. Place was cleaned out and keys turned in before end of XXXX Now it's being stated that move out date was in XXXX and trying to charge for approximately 3-4 days which is incorrect. Now account is negatively on credit report even after showing proof of payment. Collection agency keep trying to say they are waiting on response from their client but dispute was placed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: MI
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:
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.

has violated my rights. Or list of inquiries 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 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 2023-04-12
Company: Experian Information Solutions Inc.
State: NY
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: JPMORGAN CHASE & CO.
State: NY
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:
I got a call XX/XX/XXXX from chase notifying me that my card had fraudulent activity. While I was on the phone I was told someone was still trying to use my card at the same time I was starting a claim and reporting my card as lost. I realized that I must have left my card at a restaurant that I visited a couple days prior to the charges. 

My card was charged on XX/XX/18 {$400.00} from XXXX in XXXX XXXX And {$2.00} from a vending machine in XXXX XXXX Initially the charges were credited to my account and I thought it was over XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that I told the claims department that I had my card on me during the charges but I never told them that. I received another credit XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. 

XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. I do not know where they got the information that i had my card because I did not. 

I tried calling XXXX the customer service and also the store but they were not able to help me. They told me they could not retrieve transactions from the past. 

XX/XX/2018 I received another reversal charge of {$400.00} spoke to the claims departments once again and was told that they will reopen the claim and have someone contact me at this point I am livid because not once did they reverse the charge of {$2.00} that was apart of the same claim. I am ready to close this account because they are not even trying to investigate what happened back in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
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 information incorrect

Complaint:
I made a complete payment of the credit card amount around XX/XX/2022. I was told this was a COMPLETE payment for the remaining amount. Later, there was an interest charge. I was unaware of the charge nor did i receive any contact from the company regarding the charge. I only became aware of the charge when my credit score was hit with a late charge for an unknown charge.

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 2021-09-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
5/3 mortgage insurance services paid homeowners insurance for another individual out of my escrow account. The payment occurred on XXXX for {$630.00}. I noticed this because later on XXXX I saw that my normal insurance premium was paid out of my escrow. I first notified 5/3 on about XXXX. They explained what had happened and confirmed that the policy paid was not my policy. Since 5/3 have contacted me with updates a few times and I have contacted them several times. On XXXX XXXX notified me that the other person 's insurance had agreed to refund the premium. On XXXX they notified me that the refund had been processed by the other person 's insurance but was sent to the wrong XXXX XXXX XXXX On XXXX 5/3 notified me that the refund had occurred. I called back XXXX to inform them that I did not see any refund in my mortgage transaction list.I do not understand why it is the insurance company 's job to refund the money that 5/3 took from me. On or about XXXX XXXX sent me a statement of escrow increase showing that the {$630.00} made my escrow negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2021 a Fraud alter was added to my personal profile. on XXXX XXXX i received a checking debit card in the mail that I did not apply for. i called capital one and an account was opened in my name. there were no transactions at the time and the account was closed. i filed a complaint with capital one and was to receive a letter that I was a victim of identify fraud. to date I have yet to rec anything. XX/XX/XXXX capital one sent a change of address letter to changed to another state. 

Now capital one continues to send me several unwanted pre-approved credit card applications,. i have called capital one several times to rectify the security breech in this process, i get international representative that dont know what to do. I've set on the phone over 2 hours each time to rectify my issue. i spoke to us representatives that don't know what to do, send me to XXXX and they said that capital one has to remove my name from their mailing list. i continuously get the run around and unsuccessfully continue to receive unsatisfactorily service with a company that is jeopardizing my credit and personal identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have an open loan account with Equifax, called Equifax to see whats going on. They have no idea because they do not have loan products. Asked to provide the phone number of the account on my credit file the phone number they provided was the Equifax fraud alert phone number. Equifax told me on the phone XX/XX/XXXX they have no idea what that account even is but kept it on my credit report, because of that account i was not able to get a job. 
Equifax XXXX loan showed date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Attempted and filed claims with the bank and local branch, with little to no help to get my money/funds back. 

I had used my TD account to fund these purchases, which were all considered pre-orders for physical goods. TD debit card, visa card. The expected delivery date would vary depending on when I purchased but stated 4-5 months after public release. 

Please refer to visa card rules : XXXX XXXX XXXX Says the bank investigated the dispute claim but now has wrongfully decided to reverse any funds given back to me. 
Case : XXXX Includes multiple transactions relating to my personal TD Bank checking account : As posted on my statements ( all relating to the same merchant - XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$3900.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$190.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) Please reach out to the necessary personnel at the TD Bank HQ and/or me if any other information is needed. 


I would like to get this resolved and receive my funds back.

Company response to consumer: Closed with explanation