BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A notice of cease and desist, as well as a request for proof of a contract was sent to the Virtuoso Sourcing  Group on XX/XX/2018.  However, they refuse to respond.  Instead harassing and contacting me everyday, 3-4 times a day since the date listed on the notification letter of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have over the course of a few year while with PNC have been charged overdraft fees. Primarily they have triggered occurring fees the next day after deposits have been posted. PNC regularly uses a predatory tactic of ordering my transactions to allow for the maximum overdraft allowable in a day. This behavior is unethical and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This morning at roughly XXXX I got notice that my account would be closed. No notice no anything as soon as I got the email I tried logging on and couldnt. They stated they are holding my money for 30 days. I made contact with the company and emailed them. Ive been told different things from everyone that I speak to. Ive been told they will expedite the process. I explain that I needed the money which is my money for medical expenses for not only myself but for my young children as well. They have left me with no money at all and are refusing to release my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. A XXXX XXXX account was opened resulting in me having a balance of {$920.00}. I contact XXXX XXXXXXXX they they took it off my credit report and apologized. Now midland credit management. Is trying to collect and its on my credit report. I dispute it and they trying to say they records are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I as of late sent a debate letter to XXXX, XXXX, and Experian on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.

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 2020-11-25
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX must be a Third-Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with FIRST FEDERAL CREDIT CONTROL # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: KY
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:
This collection that wasn't even supposed to be mine is reporting to two different creditors with the same account number. I just paid it to resolve it on my credit but instead they have it labeled twice on the credit report and it is wrong. It should have never been mine but I just paid it because I thought that would help my credit because I don't have the time to look into it. Instead they reported it as two trade lines with separate companies which is wrong. On top of that, they didn't even put it in a dispute status when I disputed it with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-03-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : OneMain Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2023, XXXX XXXX has reported wrong zero balance on my credit card to all credit reporting agencies. BUT IT IS NOT XXXX ( See Attached Document ). Thus, XXXX XXXX reporting XXXX balance - caused my FICO score to DROP BY XXXX POINTS ( See Attached Document ). 

I plan to sue all credit bureaus for FCRA violations on or about XX/XX/2023 - seeking damages and attorney 's fees for this XXXX points FICO score drop and also for any " eventual subsequent '' FICO score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2019-08-09
Company: EQUIFAX, INC.
State: NV
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:
This ran unauthorized credit inquiry on my credit report. Please remove as these are suspicious to me : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
There was a corporate debit XXXX XXXX XXXX, XXXX not authorized in the amount of {$2900.00} from my TD bank account on XX/XX/XXXX XXXX transfer thru an ach went to XXXX XXXX . XXXX IDENIFICATION number XXXX on line payment, not done from my initiating TD Bank. I spoke to XXXX customer service XXXX XXXX on XX/XX/XXXX XXXX ; XXXX XXXX est ... merchant she said was an online payment ph # XXXX. 
CONTACTED XXXX XXXX / XXXX XXXX @ XXXX NO SUCCESS I have been trying for one year to retreive funds with no success, from either banks..td and XXXX. NEED HELP! 
ALSO NOTIFIED THE LOCAL POLICE WHO ISSUED XXXX TO BOTH BANKS. 

STILL OUT THE MONEY, THIS IS A CLEAR CASE OF FRAUD THANK YOU! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from " XXXX XXXX XXXX '', dated XX/XX/XXXX, stating " We are trying to collect on your Comenity Capital Bank debt that you now owe to XXXX. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to XXXX XXXX XXXX XXXX XXXX, which is now the sole owner of the debt ''. 

This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe XXXX XXXX XXXX is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX  and XXXX XXXX  as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter. 

They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " COMENITY CAPITAL BANK XXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX. 

The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly. 

Below I will list off contact info they have listed in the letter : Email : XXXX XXXX : XXXX Send payments to : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : Consumer Support Services XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, MI XXXX You may also call : XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a XXXX XXXX credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My complaint is about Capital One opening the Money Market Account and getting the Bonus.

The details are : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX, XXXX and entering the promotion code " OFFER500 '', then Capital One will deposit the {$500.00} bonus money into my account within 60 days after completing the above conditions. 

At the beginning of XX/XX/XXXX, I contacted the bank for the {$500.00} bonus which should be paid by the end of XXXX and the manager told me I am not qualified for their promotion.

His reason is the total new money deposited into my MMA is less than {$50000.00} and I have a saving account with their bank before. 

My answers to their concern are : 1. According to their requirement, the cumulative deposits should work on the similar bonuses, and my total deposited amounts are more than {$50000.00}. Meanwhile, the cumulative deposits are always working for Capital one other promotions and for their other clients. 

2. The saving account I have was opened in XXXX with XXXX. After 10 years later, it was transferred into Capital One due to the business changes. I do not open any saving accounts with Capital One directly before. 

Based on all the facts I presented, I think I am qualified for their requirements, and they should deposit {$500.00} into my MMA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Chime Financial Inc
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At XXXX XX/XX/2023 I received a text and have filed a police report over {$500.00} bucks in charges to the account after my wallet, work phone, and ipad. 

I received a text from Chime in which they asked me if I had authorized these charges, I said no. They said no charges will be made to my account. However, I checked my Chime account and 7 charges were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to them and they said they would send this to their investigation team and could not cancel it. Because of this I can not afford my bills. I did not authorize the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-01-11
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On or about XX/XX/2023 my car XXXX XXXX  was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. I do not have an account with Flagship credit I do not have a debt with Flagship credit. I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. Flagship is holding my property and will not closed this 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 2020-02-04
Company: Conn's, 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: Account information incorrect

Complaint:
I paid my two Conns account in XX/XX/XXXX. I have called several times but XX/XX/XXXX I spoke to a Conns rep and she stated that she shows the account settled and will send it to the review department AGAIN. This has been two months on going and still they report my credit as open and none payment .. delinquent.. for the full amount. I have letters of settlement by this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.

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 2023-05-16
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Note : it is now my understanding that my Sallie Mae FFEL student loans from XXXX, and consolidated in XXXX in to one loan with Navient ( formerly Sallie Mae XXXX XXXX are now considered " private '' ( and not Dept. of XXXX. ). 

On XX/XX/XXXX, I submitted to Navient an XXXX recertification application that included all XXXX YTD income information, with documentation and explanation. This documentation clearly identified an IRS Form XXXX Gross Income projection for XXXX ( " something less than {$17000.00} '' ), and a most recent XXXX detail of Form XXXX Gross Income ( averaging $ XXXX, which would project to just under $ XXXX ). Both of these yearly amounts are well below 150 % of the federal poverty level required for XXXX. 

In a letter from Navient dated XX/XX/XXXX, I was informed my XXXX recertification had been declined because my " financial circumstances do not meet the federal definition of 'partial financial hardship ' required for Income-based Repayment. '' This is clearly an error. 

Since, to no avail, I have had several communications with Navient XXXX XXXX XXXX XXXX XXXX XXXX to address this error. 

On XX/XX/XXXX, I filed a complaint with XXXX XXXX and only just learned in the last week that my Navient consolidated loan is considered private and not, apparently, under the purview of StudentAid/FSA ( hence, my filing a complaint with CFPB ). 

In a letter from Navient dated XX/XX/XXXX, I was informed that Navient had somehow determined my XXXX to be {$38000.00}!? ( hence, the recertification declination ). 

Your assistance is greatly desired/needed.

Company response to consumer: Closed with explanation