BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XX/XX/2020, Portfolio Recovery Associates, LLC filed a debt collection lawsuit against me in Texas. I reviewed the consent order from the CFPB against PRA and I believe they are in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt : including Filing Misleading Collection Affidavits and False or Unsubstantiated Representations about Owning a Debt. PRA 's petition deceptively lists several separate companies as a single original creditor by a series of " / '' which are undefined and appears to imply 3 different companies are a single corporate entity : " '' XXXX XXXX XXXX / XXXX XXXX / XXXX issued a credit account in the Defendant 's name ... '' When later in the petition it is stated in PRA 's affidavit that " XXXX XXXX XXXX  / XXXX '' was the original creditor. On XX/XX/2020, during the court hearing to dismiss this lawsuit for baseless causes of action, when I contested PRA 's claims they are owed a debt because they can not prove the chain of assignment from the original creditor to PRA, the PRA lawyer responded they did not have to abide by the Texas Rules of Evidence and they had an affidavit stating PRA was the rightful assignee of the debt. I believe this is also a violation of the FDCPA because it is deliberately attempting to collect a debt they have no intention of proving by chain of assignment. The judge permitted the unsubstantiated documents as evidence and ruled in favor of PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has my credit report blocked and continue to tell me they do not. I placed calls to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after multiple attempts to sign up for third party credit monitoring through XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Equifax during each call insisted my account was NOT blocked at all. Well, on Saturday XX/XX/XXXX I received an email from XXXX XXXX XXXX advising me that Equifax denied the request for monitoring which resulted in my having to cancel my account with XXXX XXXX XXXX. Then on Monday, XX/XX/XXXX I received notification from XXXX, via my Equifax credit report that there is a block on it. I am furious that multiple phone calls resulted in me being lied to. That is insulting and a waste of time! It 's bad enough you have caused MILLIONS of consumers grief with yet again ANOTHER system hack, but you lie to me when I asked a simple question. I consistently have to go back and forth with you on inaccurate data on my credit report, now you jokers have the audacity to block my file WITHOUT my permission. If this block is n't removed I will proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX paidoff {$140.00} XXXX purchase {$5.00} XXXX autopay on XXXX balance {$25.00} XXXX XXXX XXXX XXXX They refuse to put funds back in account. Told them they were not authorized to autopay on my XXXX balance. She hung up. I want money back in account. Charge them interest for use of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX XXXX Consumer Department. I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX XXXXXXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand.

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character XXXX XXXXXXXX is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. 
All XXXX XXXXXXXX accounts are to be removed from my credit report Per 15 USC 6802.

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 2023-02-13
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:
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 accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

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 explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX XXXX XXXX XXXX I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both XXXX XXXX Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of XXXX as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of XXXX 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA.

All capital one accounts are to be removed from my credit report Per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
US bank let others open up new checking and saving accounts under my name without my authorization/identity check. 

US bank let others deposit the money set to me without my endorsement. 

US bank doesn't allow me to get the money back. They just hold the money without sharing any instruction how to get the money back.

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 2022-11-18
Company: EQUIFAX, INC.
State: MN
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 read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Equifax about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to the conclusion that the Credit Bureaus are not afraid to break Federal law thus they chose to be lazy and neglected my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the Item removed now! 

XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and Experian will not remove the hard inquiries on my credit report. I am a victim of identity theft, and I filed a police report last year in 2018 when my identity of compromised. I also, sent a federal trade commission affidavit to all three credit bureau to have my report corrected and remove fraudulent information from my report. I checked my credit report and found that some new hard inquiries are on my report that are fraudulent. To date, the only credit agency that has worked with me is XXXX. XXXX   requested information from me, and I sent in what was needed, and they did not removed the fraudulent information and follow the law for the FCRA section 605B.

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 2020-07-27
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:
Upon receipt of my recent credit reports from XXXX XXXX, and Experian, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXXXXXX XXXX  of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my Experian, XXXX and XXXX  Credit Reports.

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 2020-05-29
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/2020, I made a cash deposit at the authorized TCF ATM location at the amount of {$500.00}, one I made the deposit I was expecting to receive a receipt. Instead of receipt the ATM screen said the transaction can not be complete. It did gave me my card back, no receipt, no money, all I got was empty screen with a phrase the transaction can not be complete. 

Reminder I deposited that {$500.00} in cash because I need this money to cover my bills that I already mailed. 

XX/XX/XXXX I made a call to TCF Bank to let them know about what happened, gave them the address oh the ATM, explained that that I need the money deposited as soon as possible, because i have already paid my bills! If I I have known that the ATM was broken I wouldnt use it. The lady told me Ok, the case is open we are gon na investigated XX/XX/XXXX I am calling back TCF Bank to inquire about my money, my bills need to be paid! TCF Bank Representative : We have not updated for you, the investigation is pending XX/XX/XXXX I am calling TCF Bank to inquire about my money, panicked! TCF BANK REPRESENTATIVE : Investigation is still pending, it may take up to 5 business days for us to know something Me : I need to pay bills, I dont have money for insufficient funds! I am not working! TCF BANK : you may have to pay fees when the checks you wrote clear me : But you have my money? I didnt do anything wrong! 

They have stolen my money! What am I to do? I dont have any more money, that XXXX was to cover my bills! Help me please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
From XXXX XXXX to today XX/XX/2021, Santander Bank has charged me 2 overdraft fees {$35.00} each for checks that came in at the end of the day unbeknownst to me, and right before my regular deposits occurred. In fact I was able to deposit money in the bank before XXXX XXXX  when I saw I was going to be short by {$18.00} dollars. Then, and in both cases, checks for {$30.00} each came in from my bill pay account, right before my regularly pension checks come in. We're talking hours before deposits came in.

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 2019-03-04
Company: CITIBANK, N.A.
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:
On my XX/XX/2019 Statement, the bank charged a " RETURN CHECK FEE '' of {$28.00}. 
There was NO such " RETURN CHECK ''. On XX/XX/2019, an electronic payment of {$25.00} was made in good faith from a XXXX XXXX XXXX  account, which unfortunately was SHUT DOWN BY XXXX XXXX XXXX AFTER THE PAYMENT WAS MADE, due to IDENTITY THEFT and FRAUD. I IMMEDIATELY opened a new bank account and made a SECOND payment to this credit card on XX/XX/2019, WITHIN THE PAYMENT TIME FRAME AND BEFORE THE DUE DATE. This payment WAS SUCCESSFUL, in the amount of {$480.00}. 

There is absolutely no reason to charge me a " RETURN CHECK FEE ''. 

On the same day, XX/XX/2019, at aprooximately XXXX EST I communicated electronically with bank associate " XXXX XXXX who stated that the fee would be removed if the originating bank sent a fax stating that " the funds were available on the date the payment was attempted ''. XXXX XXXX XXXX was contacted and this was sent. 

The fee was still not removed or reversed. 

On XX/XX/2019, I made a second communication attempt via fax, explained the situation again and demanded a fee reversal. This communication was not answered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint before and Home Point Financial claimed the issue was fixed which is not true. I never received a direct call from a supervisor/manager that can truly address my questions/issues. I just received another escrow analysis showing that my account is low which now means my monthly payments have increased by almost {$320.00}. Every time I call for answers I get another escrow analysis which then turns into me paying more ... .how is that possible?? I contacted the City of XXXX regarding my " past due '' tax payment notifications and they said that the mortgage company has been submitting payments late, hence they have also charged me interest. I need HELP getting someone who truly knows the business to explain why and fix all these ongoing issues, including escrow balances and interest charges. Please let me know if there is anywhere else I can raise this to, it's been months and resolution is way overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: AFNI INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my Credit report it just pop up a collection from a lender AFNI 11 at T with the amount of {$500.00} age of account 3 months. I am not familiar with this lender or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a XXXX  XXXX account that I have never owned or received a credit card in my hand that was made in XXXX of 2019 I mistook XXXX XXXX for XXXX  XXXX which I did own and am making payments on. 

I never owned a XXXX  XXXX account but the company said I did but around that time I did not have my social security and had to get a new card so this may have been a form of theft I need this account shut down because I am a XXXX XXXX I am still paying on school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit reports it has been well over 30 days in I haven't received any investigation reports.

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 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been a Capital One cardholder since XX/XX/XXXX. 
I have always made my payments on time. I lost my job during the coronavirus crisis. 
I contacted Capital One for assistance. In XX/XX/XXXX, I called Capital One to be enrolled in a Relief Program. Capital One informed me that I will be enrolled in a Specialty Assistance Program.

After Capital One enrolled me in Specialty Assistance Program, my monthly payments went up. 
I wrote Capital One and informed them of the inaccuracies and requested that they correct them. 
Instead of helping me Capital One ruined my credit. 
Capital One did not respond or correct the inaccuracies on my Capital One Account Statement.

Is their Specialty Assistance Program a shell? Instead of helping me they have been deceptive, unfair and ruined my credit. 
Capital One sent my account to collections. 
I wrote them but they are still calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NV
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:
These accounts and inquires have been opened without my knowledge and consent and I want them removed immediately. 

XXXX XXXX {$440.00} XXXX XXXX {$7000.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} INQUIRY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation