BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My card had the incorrect address on it. When I would call the company to dispute charges I did not make on the card they would tell me they could not verify my account to help me because the address was out of california, and I live in missouri and have never lived in california. I finally got someone to help and they said they saw that I had closed the card and put a lock on the account in XXXX. There are charges from XXXX on the account from XXXX. Also, they will not take my new bank account information because they dont recognize my bank in their system. Therefore, I can not verify account, I can not make payment on the account, and there are two late payments being reported on the account that are not correct. This account is a mess and I can not get any assistance from customer service. One woman I talked to was extremely aggressive and insisted that even though I was able to verify my phone number, my real address, my social security number and birthdate, she would still not discuss or help me with my account because of the incorrect address and because I did not call from my own phone number that they have on file. This has been a nightmare. Also, I have given them permission for my wife to talk to them because I am frequently out of town. They refuse to add my wife to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
- On XX/XX/2022, there was a {$2000.00} credit card payment to a XXXX XXXX account using my Bank of America checking account. 
- On XX/XX/2022, I began a claim with both XXXX XXXX and Bank of America. Both companies failed to give me claim numbers and gave me misinformation, saying that someone else had made a bank account at XXXX XXXX under my name. 
- On XX/XX/2022, Bank of America said that they would help me write a letter over the phone to file a fraud claim. 
- On XX/XX/2022, I called XXXX XXXX to receive an update about my situation. They gave me a new claim number and told me to contact the Credit Card Department, who refused to help me because I did not have an account with XXXX XXXX myself. 
- On XX/XX/2022, I called Bank of America to get an update on my fraud claim, only to have the representative tell me that my claim was filed under " billing '' instead. I was on hold for the fraud department for over an hour. 
- On XX/XX/2022, I filed a CFPB claim, feeling that my case was extremely mismanaged by both XXXX XXXX and Bank of America, both of whom misfiled my claims and failed to communicate between their departments about my specific case. I'm deeply disappointed by how poorly the representatives communicated between each other, especially with how XXXX XXXX refused to help me because I did not own an account there myself. 

- XXXX XXXX asked me the account number of the scammer 's account multiple times. I told them the last four digits of the account under the receipt for the {$2000.00} payment on my checking account, because I had no further information on the scammer 's account information.

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 2022-09-01
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: Was not notified of investigation status or results

Complaint:
I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Already XXXX complaint against XXXX XXXX Bank account XXXX is on file report was made on XXXX/XXXX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency Portfolio Recovery which report to my credit report last XXXX XXXX for the sum of {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a check from my aunt from a family trust account for {$7600.00}. I opened a new account with Chase Bank with this check. After three days, when these funds had not been posted to my account I had a bank officer contact their office and learned that they were holding the check to confirm that it was valid. I called my aunt, who contacted the XXXX XXXX Bank and confirmed that the check had cleared XXXX XXXX. When I had my local Chase Bank officer forward this info to their main office, they reported that they had tried to contact my aunt with no success. I then instructed the branch manager to close my account and return the funds. After two weeks I still have not received my funds, but Chase has closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
Company: Paypal Holdings, Inc
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:
I received an email with a PayPal logo at the top. It stated that a charge of {$710.00} has been submitted successfully to XXXX XXXX via my PayPal account. Advised me to call Customer Support at ( XXXX ) XXXX for any questions. I did this and spoke to a person identified as XXXX XXXX. He said the charge was made in XXXX XXXX and the money was sent to XXXX XXXX in XXXX. He advised me to download apps from XXXX and XXXX to my XXXX.Theresfter I received an email from XXXX saying the charge would be reversed. I am XXXX XXXX XXXX and believe this was a scam ( Identity Theft ). 
I have cancelled my PayPal account and frozen my XXXX XXXX. I don't know what else to do. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: ZIONS BANCORPORATION
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I closed my Nevada State Bank checking account, but still have a credit card with them. The NSB teller closed my online banking account at the same time without my knowledge. I 've been unable to receive credit card statements by email or mail. I called multiple times asking them to send me a bill, but they could not help me with my request. Why ca n't I get a bill mailed to me? How hard is that! As a result NSB has now charged me late a fee. Since I have NO bills of any kind, I do n't know what I 've paid in late charges. Please help me Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: TX
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:
please delete these unauthorized inquiries : 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 XXXXXXXX XXXX XXXX XXXX Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EZCORP, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
There are people fro m e z mo ney loan which no longer exists calling me and threatening to have me arrested for fraud and that my probation will be revoked. I called  e z lo an and was told th at e z mon ey loan no longer exists. It went bankrupt and all loans that were through them were written off and I no longer owe them. The people calling me and threatening me are the frauds. They said I had to pay {$390.00} by  XXXX  today  XXXX   XXXX ,  2017 o r a warrant would be issued to arrest me for check fraud. The people calling me is saying they work for Texas. Their names are  XXXX   XXXX  and  XXXX   XXXX  at  XXXX  extension  XXXX . And a  XXXX  that says she works f or e z money loan Corp a t  XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Other

Complaint:
I recently got a Chase preferred credit card and received a pamphlet with their ostensible benefits. XXXX of these benefits was travel cancellation insurance. XXXX of the excluded conditions was " a pre-existing condition. '' When I called to find out how they defined that, they read me a definition over the phone. But when I asked that that be sent to me in writing they refused. This was the benefits administrator, who then advised me to call Chase directly. Chase also refused to send this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MN
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:
In accordance with the Fair Credit Reporting act XXXX, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number:XXXX  Account NumberXXXX Account NumberXXXX According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : Consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: OneMain Finance Corporation
State: TX
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: Received unwanted marketing or advertising

Complaint:
To : OneMain Holdings, Inc. XXXX XXXX. XXXX XXXX XXXX, IN XXXX XX/XX/2022 RE : OneMain Financial Impermissible Credit Report Use To whom it may concern : a Hard Pull against my credit by OneMain Holdings XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX occurred on XX/XX/2022. It was unauthorized. I have attached the disclaimer from XXXX XXXX that states that checking for loans will not hurt my score. 
I am requesting that the unauthorized credit check be corrected, immediately, and reported to XXXX, XXXX XXXX, and XXXX as such. 



XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX Copy : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I contacted Citi bank customer service, reporting unauthorized ACH transactions from my savings account. 
Citi bank opened a claim for investigation and I was issued provisional credit on 3 out of 5 disputed charges. The charges occurred between XX/XX/XXXX and XX/XX/XXXX. Citibank claim that the two charges they havent applied provisional credit to, that the charges  occurred long ago, thereby the credit will be contingent upon the response of the Merchant ; and that itll take 10 business days for credit to be applied. 
Transaction of {$1900.00} occurred on XX/XX/XXXX and still within the 2 statement wait time for disputing errors. It is my understanding that Federal Law states that one has up to 2 billing circles to dispute charges on an account. So why is my credit contingent upon the response of the Merchant, especially when the Merchant in question has been unresponsive. 
Citi bank didnt protect my account enough, to prevent unauthorized ACH debit. It is my understanding that youll need a full routing and account details to make this happen. Citibank has also not closed the account in question, even though it has been compromised. 
This is my hard-earned savings for my holiday. 
The reference number for the claim at Citi bank is 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 2016-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
They call up more then 10 times a day at times then hear nothing then starts again from at least XXXX different numbers Ive blocked so far. The medical debt WAS paid by the VA and its well known that the Hospital must accept what has been paid. They are still trying to collect a debt from XX/XX/XXXX-XX/XX/XXXX My husband is a XXXX Veteran with XXXX XXXX, XXXX XXXX. XXXX XXXX and the list goes on and they call and it makes him so hard to handle with the way they talk to us and Threaten us with arrest, etc. Then he usually has a XXXX because they set it off by their calls constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: OH
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/2022 XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX. 

They did not verify this collection and there was no written form of communication, contract, or 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, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to XXXX XXXX who is now violating my rights.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act ; U.S POSTAL SVC FED, has violated my rights with an unauthorized inquiry on XX/XX/20 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-01-11
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
About 6 months ago, I submitted a complaint directly to Ditech and to the cfpb. Ditech made several errors on my mortgage including changing my mortgage without my knowledge to include an escrow, incorrectly documenting that they paid my taxes, and reporting me delinquent to the credit bureau. This has caused and continues to cause me a great amount of stress and frustration. The complaint was closed with Ditech stating they had remedied the problem. I am now trying to purchase a car and pulled my credit report about 1 week ago only to discover that they are still reporting me delinquent. I called Ditech again and was transferred from department to department being told by each that it was a different departments responsibility. I asked multiple times to speak directly to a manager due to the ongoing nature of this problem and was denied and cut off while trying to explain the issue. After being placed on hold for several minutes the representative told me she saw the problem was because the escrow errors were never fixed and she would submit a complaint to that department. I told her the last complaint took close to 6 months to resolve and it was never actually resolved and it has caused my credit score to drop several points. I asked to speak to a manager again and she said there is nothing they can do. I told the lady I would pay whatever I needed to pay in order for them to make my mortgage right and remove the derogatory information from my credit report, however, prior to paying anything I wanted something in writing from them stating that they would remove the derogatory information. She said they would not do this and my only option was to wait for the complaint to go through the process. This company is very poorly run and one hand does not know what the other is doing. I pay my mortgage every month and continue to get letters offering options for financial distress. I want the errors on my mortgage fixed immediately and my credit report corrected. I do n't understand why ditech ca n't fix the problem they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
Here I am again fighting Portfolio Recovery and their IMMEDIATE removal of the XXXX account they have bought. XXXX deleted the file because they have no PROOF as required under the FCRA and FDCPA and still Portfolio insists they can keep reporting this account to XXXX   without PROOF of my physical signature of a contract between ME and PORTFOLIO It DOES NOT EXIST they can not. Sending me statements is not proof I have a contractual account with Portfolio and it must legally be removed immediately. 



Again : " 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Alorica Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received. 
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances. 
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains. 
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation