BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: JPMORGAN CHASE & CO.
State: NJ
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:
XX/XX/2021 1 ) XXXX XXXX ( XXXX  ) 2 ) JPMCB Auto Finance ( bank ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Riverwalk Financial Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or about XX/XX/ 2015 I received some document in the mail stating that i purchased a vehicle which i had no knowledge of, from the above mention company ( XXXX ). At that time I started my own investigation, I went to XXXX Police Department regarding credit fraud. After receiving my police report I went to the speak with the finance department at the dealership ( XXXX  ) where the finance Manager stated that I was not the person that signed the documents for the purchased of a vehicle in front of him. I spoke back with -- date XXXX and they assured me that everything will be taking care of. 
XX/XX/XXXX I received another letter from a miscellaneous company stating that I owe {$14.00}, XXXX for a vehicle that I never saw, purchased, and I never wanted it for that matter.They state that the money is due within ( 30 ). 
In conclusionI feel that when someone takes advantage of your credit you should not be responsible and should be conforsated for the heartache and pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
See previous complaint for details on dates. As of XX/XX/2020, my capital One accounts show a close out check sent in amount of {$13000.00}. 

Previous balance was over {$30000.00} before Capital One various withdrawal transactions without details. 

If I am being issues a check, it should be for the full amount of my balance or I demand detailed accounting to why those funds were arbitrarily withdrawn from my balance. I am happy to show documentation proving sources of my deposits and origination of my funding sources. 

Additionally, I am unable to reach anyone at Capital One who can assist me in updating my mailing address for the close out check. I am continually forwarded to the fraud Deparment voicemail inbox for which I have left numerous messages over the past year. 

1. I AM CONCERNED ANY CLOSE OUT CHECK WILL BR LOST TO WRONG ADDRESS. I REQUEST TO UPDATE THIS INFORMATION IMMEDIATELY. 

2. I DEMAND A STATEMENT DETAILING YOUR INVESTIGATION OF FUNDS WITHDRAWN BY CAPITAL ONE FROM MY BALANCE WITHOUT MY KNOWLEDGE OR AUTHORIZATION. THERE ARE VARIOUS AMOUNTS RANGING IN SIZE AND FREQUENCY INTIATED BY CAPITAL ONE. 

IF CAPITAL ONE IS UNABLE TO PROVIDE LEGAL EVIDENCE AS TO WHY THESE FUNDS WERE WITHDRAWN WITHOUT MY AUTHORIZATION THEN I DEMAND THEY BE INCLUDED IN MY CLOSE OUT CHRCK BALANCE. I HAVE CONTACTED MY ATTORNEY REGARDING THIS MATTER AND WOULD PREFER TO NOT FILE A CIVIL DISPUTE IN COURT FOR DAMAGES. 

Thank you XXXX XXXX XXXX Please have someone from correct department contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/ check number XXXX in the amount of {$240.00} was presented and NOT paid by Bank of America. On XX/XX/2018 a fee for {$35.00} was charged. 

On XX/XX/ the check was returned to the business. 

On XX/XX/ the check was presented and processed electronically. 

On XX/XX/, THREE FEES in the amounts of {$30.00}, {$35.00} and {$35.00} totaling {$100.00} were charged. 

On XX/XX/ the check was again returned. 

On XX/XX/ a fee in the amount of {$30.00} was charged. 

FIVE FEES totaling {$160.00} were charged for ONE CHECK-which was never paid by Bank of America.

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 2020-11-07
Company: Experian Information Solutions 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:
There is a Bankruptcy and a XXXX card! I attached what I received back from Experian account on my credit file that does not belong to me! Experian keeps saying its verified without any information to support this claim! I do not or ever lived at the address on my report of XXXX XXXX in IL!! This is fraud and a Identity theft report was sent to Experian!! XXXX was 2 times a request to delete was sent and no reply but verfied I attached a pic of what Experian keeps telling me

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 2018-03-16
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$22000.00} to my Coinbase/XXXX  account on XX/XX/2018. I sent the funds before XXXX XXXX time, which means the funds should post to my account the same day. It has now been a month and my funds still havent appeared. I have made MULTIPLE phone calls to Coinbase/XXXX, I have also sent NUMEROUS emails as well to no avail. I am literally at my wits end because this isnt a small amount of money and there is no reason why my funds arent yet available. CFPB PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX- Woke up to an email from Chase Bank Fraud saying there were suspicious charges on my account and to call if they were unauthorized charges. Chase denied several charges, but 3 went through ( {$1.00}, {$71.00}, {$100.00}, total of {$170.00} ). Charges took place in XXXX, Texas. I have proof ( through the same card with transactions ) that I was in XXXX, New Mexico when the charges took place. 
I called Chase on the morning of XX/XX/XXXX, explaining that I was in New Mexico and the charges were indeed fraud. They shut down my card, put the money back into my account and ordered a new card. 

XXXX XXXX I realized that the charges were reversed and taken out of checking account again. I spent an hour on the phone with the Chase escalation department explaining that I was in New Mexico, 10 hours away when the fraud charges happened. The Chase employee said that my story was valid and there was no way I could have been in XXXX, Texas where the charges occurred. I used my Chase checking card 4 hours before the fraud charges. The fraud charges happened 10 hours away from where I was! He filed a claim with this information. 

XX/XX/XXXX My claim was denied. Chase said the charges would stay on my account. I called Chase fraud escalation again, this call lasted 40 minutes. The Chase representative said that there was more than enough evidence to make the charges fraud.

1- I had proof I was 10 hours away from the fraud transactions.

2- There were 3 approved transactions and 4 denied transactions, making it look like someone kept trying to use the card until it was approved anywhere. 
3- They did not use an authorized chip card XX/XX/XXXXt- I just received correspondence from Chase that my claim was denied again. 

I do not have the exact times that the Fraud charges occurred, but I have attached Chase email from XXXX the morning of XX/XX/XXXX ( Chase rep said the charges happened 4 hours after my XX/XX/XXXX purchase [ plus the 1 hour time difference ] ). I have also attached a XXXX XXXX XXXX from the night of the XX/XX/XXXX in New Mexico.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05
Company: Netspend Corporation
State: CA
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:
on XX/XX/2021 my phone and wallet were stolen from my car. when word got around seeing as how i live in a small town it wasn't long before i found out who had been seen with my phone and then seen using my cards. charges that were made using my cards were FOR places based in XXXX arizona a XXXX charge for {$470.00} a XXXX XXXX XXXX XXXX arizona for {$510.00} a XXXX resort 4 {$110.00} another XXXX  for {$240.00} another XXXX for XXXX dollars and XXXX XXXX {$7.00}. and two charges for XXXX XXXX by XXXX XXXX {$640.00} and {$540.00} all charges lead from the XXXX of XXXX to the XXXX of XXXX i confronted the people that were said have possession of my phone and my debit cards and when i got a hold of the mail he said that yes it took my card and so a lot of things to it when i got in contact with the girl she said i don't know what you're talkin about thanks for the trip to XXXX it's great. when i filed a dispute for these charges with netspend they denied my claim based on notifications that were sent to my phone and my ip address for my device i would i explain to them that my phone and my wallet were taken because my phones case was my wallet they said sorry why don't you send in some documents so when i did send the documents and i waited another month and a half i called them i called back and aspirin appeal they told me no i couldn't appeal how to talk to their fire department they have no way to get ahold of them i have to get ahold of him so what i asked for the contact information they said that they didn't have it and then they hung up on me so i called back i was on hold for 6 hours and then got hung up on a call back. put on hold for 6 hours and got hung up on i call back between 5 and 7 more times hold from anywhere from four to six hours each time being hung up on it is obvious from my prior history that these charges are not consistent with my normal usage they refused to hear it and they won't work with me

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 2021-07-12
Company: Experian Information Solutions Inc.
State: TN
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 had my identity stolen ( Police Report # XXXX ) and am trying to challenge a collection on my report I do not recognize and Experian is not allowing me to dispute except over the phone but I can never get past the automatic operator because there is no option for dispute and live chat agent said that is the only way. I am tired of playing games with them and hearing their excuses.

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 2018-01-31
Company: Credit Corp Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past month I have been in constant contact with XXXX from XXXX XXXX XXXX. I explained to XXXX as well as two of his managers that this debt was incorrect due to me paying it off. XXXX then proceeded to tell me I owed over {$2000.00}. I again explained that this debt was incorrect. I also told XXXX to stop calling me as well as sent a cease and desist letter to his company. He then threatened me with legal actions stating that their law department wouldn't be as nice as he was. 

XXXX then proceeded to call me three more times since then. On the third time,XX/XX/XXXX, I asked them to provide information that showed that this was my account, mainly a signature or some type of agreement. They lied and said they had that documentation and it was my account because they had everything. They proceeded to send me multiple bills all with my name along with the WRONG address. They never sent me the documents I requested and never did their due diligence of proving that they were indeed contacting the right person. I explained that this was not my address and I have not lived there in over 8 years so it was impossible for me to have opened that account ( this account was opened 3 years ago ). 

I continuously stood my ground while they took turns asking me questions like " why did you stop paying? '' " Did you lose your job? '' " Did you have a baby? '' Each time I explained that this was not my debt and that was not my address. They then asked me why I didn't update my account so they bank could get in contact with me. I'm not sure what was going on on their end but I have never been harassed so much by a company in my life. If the information is incorrect and I can show documentation of my address which will show that this is not my account, why not due research to see if maybe there was an error or maybe even identity theft? Either way this line of questioning continued for 30 minutes and it resulted in the manager threatening me with legal actions over an account thats not mine! Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am in the process of purchasing a home and came across a debt ( Portfolio recovery associates ) on my Credit report. 
I dont recall opening a credit card with set company. I am not admitting or denying this debt. I was not contacted by XXXX XXXX that my account was being sold to Portfolio recovery associates and not notified by Portfolio recovery that they were handling this account. 
I have contacted Portfolio Recovery and have made numerous attempts to try to resolve this account with Portfolio Recovery. Due to my financial hardship, family members are willing to assist and doing so Portfolio Recovery laughed in my face and mistreated me when I tried to offer an amount that I am being helped with. 
Due to the representative being very rude I requested to speak to a manger and after 5 times a manager by the name of XXXX finally came on the line and whom I might say was extremely rude and continued to laugh in my face, being very unprofessional. 
I requested to speak with with XXXX general manager and he refused to put his manager on the line and asked XXXX several times for the name of his general manager. 
I feel victimized when trying to resolve this account with Portfolio Recovery especially when this account is out of stat. 
This debt has been removed from one of the credit bureaus and I am requesting this item be removed from all credit reports since this account is out of stat. 
I am filling a complaint to have the appropriate actions taken with Portfolio Recovery for the embarrassment, harassment and unprofessional they have shown towards me and settling this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TEX Collect Inc : Request a payment of {$140.00} which was covered by dental and health care insurance. This company has repeatedly wrongly place this on my credit report without any notification or knowledge that it was placed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Vital Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company is contacting me regarding auto debt. I spoke to them on XX/XX/21 when they called from XXXX. When I spoke to them, they said that I spoke to them on XX/XX/XXXX and confirmed the debt belong sto me and that my auto insurance should have covered the amount. This is a false claim. My phone records show that I received a call from a XXXX phone number on XX/XX/XXXX, which I now know any call that shows up as " Potential Spam '' with the same first 6 digits belongs to this conpany, but I did not answer. According to 15 USC 1692e of the Fair Debt Collection Practices Act, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This company has clearly violated this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I filed a complaint last week against Ally Financial regarding their collection practice, specifically making numerous calls after being served written notice that I revoked their right to call/text me or others affiliated with me. Ally Financial signed for registered USPS mail on XX/XX/XXXX, indicating they had received the notice of revocation. This morning at XXXX Ally Financial attempted to contact me again via phone calling from phone number XXXX. In the complaint filed last week with CFPB - Ally acknowledged receiving the complaint and were 'working on it '. Apparently they do not care about any complaints and continue to contact me in violation of the FDCPA.

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 2018-11-03
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls daily 5 or 6 times. -paid on payments until I was hospitalized. Told company rep who threaten me.

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 2018-11-03
Company: CORELOGIC 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 was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-11-07
Company: R.M. Galicia, 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:
On XX/XX/2019, Progressive Management Systems added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Progressive Management Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: All State Credit Bureau, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquiry on my report that was not authorized by me from the following company, ALLSTATE CREDIT BUREAU. I disputed this fraudulent credit inquiry with XXXX from XX/XX/2019 until the present and no action was taken. Please delete this unauthorized inquiry. I am compelled to demand that you provide communication exclusively through US Postal Mail. If this rational request can not be met, this is a clear indication of XXXX  and ALLSTATE CREDIT BUREAU disregard for consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation