BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL 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 2022-03-02
Company: Experian Information Solutions 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:
I did not authorize these transactions it was fraudulent activity. Unverified.

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 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a debit card dispute with Capital One on or around XXXX, a fraudulent charge in the amount of XXXX, XXXX on XXXX, this is an XXXX purchase and is not on my XXXX account. XXXX and XXXX both advised me to dispute charge with my bank, Capital One, which I have done. Capital One reps included a supervisor in charge have referred me back to XXXXXXXX to resolve this. On the other hand, I 've also been told they are working on dispute and can take up to XXXX business days. The item ordered appears to be an XXXX XXXX, which was returned/refused, a tracking number was provided via secure message on capitalone.com. The last dispute rep, XXXX, was rude by stating he would no longer reply to messages. Item is not in my possession, refuse to pay for it. At one time, a temporary credit was issued, later reversed as again, XXXX refused to reply to messages or look into it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried several times to have Midwest Recovery Systems located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX to send me a complete verification of debt. onto this date I have not receive any documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: PLS GROUP, INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out two installment loans on XX/XX/XXXX totaling XXXX XXXX dollars each at PLS XXXX XXXX XXXX XXXX, IL.XXXX location. On a couple of occasions, I've been making my loan payments on time and when there we're times I could not make a payment, I would call XXXX or XXXX and make arrangements to pay on a different day. I check my bank account on XX/XX/XXXX and XXXX claimed that XXXX put my check through. XXXX lies because this is the second time she did this and wanted to put it off on XXXX. I told her I wanted to speak to XXXX and XXXX said XXXX wasn't there. This is the second time XXXX put my check through, when she knows I always come into the store and pay. XXXX was very rude and incompetent of telling me how much she submitted the check for. I had an upcoming payment for XXXX XXXX, XXXX for the minimum amount for {$37.00} and XXXX submitted the check for the full amount of {$230.00}, I didn't request her to do that and I was only one payment behind and I was going into the store on XXXX XXXX, XXXX to make my minimum payment and XXXX was aware of that. XXXX and XXXX are very shady, especially when this is the second time they did not inform me that they we're processing my check and they are doing it purposely especially they couldn't inform me as a customer. After my loans are paid off, I will NEVER use PLS or refer anyone to them ever again. I would rather be down to my last, then to borrow a loan from them.

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 2019-04-02
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I created a XXXX account. I added 17 valid XXXX  packs to the account totaling {$790.00}. They have now blocked my account and will not release my money to me. Stating I need to show proof of purchase of the packs. Once they loaded to the account showing valid the receipts were not kept. None of the packs have been reported. They were loading from the devices that I verified, by a cryptic link sent to the email address associated with my account. 
I have a valid XXXX XXXX account that accepts XXXX  XXXX  cards. I am being told I cant have my cash. I have sent a copy of my drivers licenses a Picture of me with my drivers license and a picture of my valid XXXX card and I am being refused my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage using XXXX earlier this year. I received notice that TMS ( a part of XXXX ) would be servicing my mortgage. I set up autopay like I have for many mortgages Ive paid in the past and thought nothing of it. The first day after my payment should have been withdrawn from my bank account I checked my back and the money was still in my account. No problem at this point, maybe I screwed up. I called customer service verified the account number, setup autopay again, and paid my mortgage on time. The next month it happened again. I escalated the issue after reading other customers were having similar issues. Again paid my mortgage on time after an hour speaking with the service rep. The next month ... which triggered this complaint ... it happened again. The service rep was in complete disbelief that her system was at fault. After she read the detailed notes of the month before she realized this was a greater issue on my account since payments continued to fail to be processed. 
My compliant is twofold. 1. TMS needs to get its act together. 2. Why is there not an option for a dissatisfied customer to simply change mortgage service providers?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX resigned from the XXXX XXXX XXXX. This left only myself XXXX XXXX XXXX as the sole Board Member and President of the XXXX XXXX XXXX. The same week that XXXX XXXX submitted his resignation to the Board I went down to the US Bank XXXX XXXX and asked XXXX XXXX XXXX to remove XXXX XXXX from the Homeowners checking account and showed him a copy of XXXX XXXX 's e-mail he had sent to me resigning. XXXX XXXX XXXX said he could not unless I supplied other documentation. I told XXXX XXXX XXXX at that time if XXXX XXXX accessed the account I would hold him accountable. He later called me and told me that he had talked to a corporate lawyer about it. When I asked for the lawyers name and phone number he backtracked and stated he had just talked to the legal " office '' that he had n't talked to an attorney. I called XXXX XXXX XXXX 's manager XXXX XXXX XXXX to complain that it was n't ethical to say you talked to an attorney about my situation when you really had n't. XXXX XXXX agreed and so I did n't file a complaint at that time. However, later XXXX XXXX went to the XXXX US Bank Branch and verbally asked to be taken off of the account. For some reason XXXX XXXX was not taken off of the account. On or around XX/XX/XXXX XXXX XXXX called me to tell me that XXXX XXXX XXXX had went to an " outlying '' branch and withdrew all of the money out of the account and close the account. XXXX XXXX said he was sorry and sent me this link to file a complaint. I have taken all of the e-mails/correspondence to the XXXX Police and they have filed a police report on this issue. As the President of the XXXX XXXX XXXX I was left with debt to pay from the account as well as the XXXX XXXX having to go through legal issues due to this.

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 2017-11-14
Company: JPMORGAN CHASE & CO.
State: NV
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:
I made a purchase on XXXX/17 through a website. The total purchase was XXXX. When i received the order confirmation from the company my address was wrong. I tried to call them and their phone number just seemed dead, it did not connect or anything. I submitted two different contact forms through their website with no response. A few days later I filed a claim through my bank which is JP Morgan Chase, they temporarily gave me the funds back and said that it would go through a 45 day investigation. 45 days came and went and nothing came of it. Last week Chase took the funds back from me and when I called them I was told that this is not Fraud because I made the purchase ( even though this company does not exist and since also took their website down ) and that the seller use XXXX as their merchant services which protects the seller and that I have no protection of my money because of that. I spoke to someone else at Chase who said that did not make any sense and they would reopen the claim. I called again today and was told that the case was not reopen they were just going through the documents again and that this was not fraud because I made the purchase and there is nothing they can do to give me my money back. They have no contact information for me to contact sqaure. There is no contact information for this company, when you google the address it is a home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone had possession of my card without my permission and used it to make purchases until it reached it's card limit. I did not receive an alert from Capital One regarding the charges. So as soon as I found out on my own I called them immediately. This was two months ago ... They credited my account, but then just rebilled me yesterday for all the fraudulent transactions that had taken place. I am infuriated. What would possess them to do this?? The only thing would be if I made the purchases but I did not. And I refuse to pay for these charges ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a customer for Best Buy since 2009. I have always paid on time in store with my checking account I have been charged for a debit protection benefit that I was not aware of until I disputed my XX/XX/XXXX statement for fees charged for being late and I was not late and was not given credit for XXXX additional payment. When I was told I was paying for a debit disability, that I was paying for, I filed a claim and was denied because they said I did not soon enough and they would not pay. My disability is permanent and not temporary and they are still charging me the debit disability fee but will not pay the benefit. I have completed 2 forms and sent to them and all information of my disability and proof of my Social Security disability .Since I have paid the debit disability fee for over ten years I want them to honor the disability insurance that I have paid for and still being charged the fee. Or refund amounts paid for disability fee.

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 2019-04-04
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: Their investigation did not fix an error on your report

Complaint:
I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Experian stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Experian did not send me any proof ( original signed, consumer contract with my signature on it ) for any of the negatively reported items on my 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
Consumer complaint received 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I informed Capital One of an account that I did NOT open. I've also requested contracts showing I agreed or gave any consent to do business with them. I never have, but I initially asked for this because I was going to take it to the police. The theft that I've been dealing with have been far beyond a little credit card. I just want to say, I make well over {$100000.00} a year - capital one. My smallest credit card limit is {$6500.00}. I don't need neither would I ever open a {$300.00} credit card! 

I've disputed rounds and rounds, finally bureaus deleted the account. Capital One then had it placed back on there, only for it to be removed again. Capital one then proceeded to put the account under a NEW account number despite the bureaus informing them and providing them with my statements of the account possibly being opened for sure, but on every circumstance IT WAS NOT ME WHO OPENED THE ACCOUNT! 

To think this far in the year, I've had fraudulent account with far larger balances that I had to deal with this year and they've been done and over with. However, Capital One and this ridiculous {$400.00}! Could easily pay that however it's NOT MINES so why would I?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt on my credit report that was acquired by a company Vance & Hoffman and it is totally invalid. I already proved to the original company that I never received the product that was in question and the original company removed their debt collection efforts from my credit report. This other company decided they were going to continue to collect money from me illegally. They are affecting my credit score illegally and I need them to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates hasn't any correspondence in reference to this debt opened XX/XX/2015 {$750.00} and hasn't responded to my letters sent. This company isnt bonded in Georgia to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
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:
A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score.  Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.

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 2019-11-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax removed or blocked fraudulent accounts and reported to the CFPB that the accounts were deleted however the accounts were placed back on my credit report without any notification to me. I have complied with the requirements set forth under FCRA 605B by providing a statement from the FTC, police report and identification. Both XXXX and XXXX have corrected the errors, Equifax deleted and then reinserted the items without proper notification, this is a violation. 

Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted XXXX and Transunion via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.

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 2021-01-20
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumer Adjustment Company has issued collections on both XXXX  and XXXX  credit bureaus for an older debt that was settled by a federal class action lawsuit. 

The original creditor was XXXX and the original collection agency was XXXX XXXX XXXX. Since XXXX XXXX XXXX lost their case in court against XXXX  XXXX  XXXX, they were ordered to remove all negative information as it pertains to XXXX  should the loan be received prior to XX/XX/XXXX. 

Consumer Adjustment Company has opened a collection in XXXX of XXXX for the amount of {$950.00} on my XXXX  and XXXX  reports in another name for XXXX XXXX XXXX who they want to collect on behalf for as the original creditor was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, I received a letter from XXXX wherein they updated a delinquency for XXXX on my XXXX account to " current ''. XXXX indicated that they provided this information to the 3 major credit bureaus and that information should reflect as " current '' within 45 days. Today ( XXXX ) I pulled my credit report and that has not been updated.

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