BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : XXXX XXXX and Portfolio Recovery Associates , LLC ACCT : XXXX On XXXX/XXXX/16, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XXXX/XXXX/16 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Ad Astra Recovery Services Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Ad astra recovery is listed on all   XXXX   of my credit reports as a collection account. Ive contacte d Ad Astra and as ked for them to provide documentation that validates the account and was told they ca n't provide me any paperwork. I proceeded to ask that the account is deleted and they refused to update my credit file.     Under the FC RA 15 U.S.C. [ 1681i ] all un verified accounts must be deleted from each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened 2 NEW CITIBANK accounts checking and saving last fall- for a {$700.00} bonus offer - XXXX & XXXX. Balances now {$19000.00} @ XXXX - bonus not paid! 
Have been trying to close for months and get my money back. Have written their New York HQ and XXXX XXXX - no response. Their phone systems just plain nuts - can't get anywhere because I don't have a debit card or cell phone. They never sent me ANYTHING but occasional statements. 

I want to close accounts and get my money back and the bonuses and bonus interest I was offered. 

This bank is nuts.

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 2022-02-24
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX card account handled by XXXX Bank was charged off more than five years ago, but a collection agency Crown Asset Management , LLC is now starting to try and collect the debt on this charged off account of XXXX under File number XXXX. When t CROWN ASSET SENT ME A collection request around XX/XX/2022, I replied in writing with their letter stating that the account at XXXX Bank they are trying to collect was charged off more than XXXX years ago. And I am no longer liable for the debt. They then sent a packet dated XX/XX/2022 attempting to collect this >5 year debt which shows as closed with no pending balance as of today at the XXXX credit bureaus. I've made a good faith call to the lawyer handling this case XXXX XXXX XXXX and spoke with a collector XXXX XXXX XXXX this case and confirmed my address and personal info with her today Thursday XX/XX/2022 regarding the illegitimacy of this debt because of its charged off status, and that I am no longer liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to any of the following closed accounts be reported on my consumer report for equifax, XXXX XXXX XXXX, balance {$510.00}, opened XXXX. XXXX XXXX, balance {$0.00} opened XXXX. XXXX XXXX XXXX balance {$1300.00}, opened {$0.00}. XXXX XXXX XXXX, balance {$0.00}, opened XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Fair Credit Reporting act Acceptance Now account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX  XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Bankruptcy Chapter XXXX account XXXX has violated my rights 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 non-monetary relief
Consumer complaint received 2016-06-06
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Transworld Systems sent a notice to my husband, in his name, for an alleged debt owed to XXXX XXXX XXXX. My husband has never BEEN to this eyecare place, but I have. I contacted Transworld Systems twice asking that they send me an itemized statement for this alleged debt, which I do n't think I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts

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 2015-08-06
Company: Netspend Corporation
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
They called and pretended they were XXXX and offered to cut my bill down in XXXX if I opened up a debit card called NetSpend and paid my XXXX bill with it. They had all my information ; address, last XXXX of my social, what package I had, my monthly bill, etc. I called XXXX and they said they were not affiliated with NetSpend and that they are a scam.

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 2016-07-27
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was in a mortgage refinance process with Finance of America, LLC. Near the end of the process, a separate company offered me a much better interest rate and significantly lower closing costs on a same term ( 30 yr. fixed ) loan. I asked my loan officer, XXXX XXXX, if there were any penalties or policies against me terminating my process with Finance of America. He assured me there were no fees and no laws against cancelling the process. As a result, I decided to end my process with Finance of America. During the initial loan process with Finance of America, I made a payment to Finance of America for {$440.00} for an appraisal of my house. Finance of America refuses to transfer this appraisal to my new lender company. All that is required of them is to email a release on company letterhead to my new lender, which has been requested several times by myself and my new lender. Requests were made to XXXX XXXX, XXXX XXXX, and XXXX XXXX. There are no laws, rules, or regulations in the mortgage industry preventing this and after some research I learned that nearly all lenders will perform this service when requested. As a result of Finance of America not transferring my home appraisal to my new lender, I am required to purchase another home appraisal at an additional {$440.00} cost to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17
Company: Asset Management Outsourcing, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have continually called and disputed this item with the credit bureau. 
Collection Company will not provide me with they date, time, or type of service or activity I 'm in collections for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I sent from my checking account at Regions Bank, through XXXX app to friend whose account is at XXXX XXXX XXXX, the reason ( description ) I notated XXXX only because the I have two friends with same name and one is a childhood friend from XXXX living in the US specifically XXXX, Florida. The transaction left my account through the XXXX app, successfully, reached XXXX XXXX XXXX but was never deposited into the destination account. I have contacted, Regions, and initiated a complaint as the funds have not been credited back to me. The destination party has gone to her bank XXXX XXXX XXXX and has been told that they do not have the funds and that the funds were being held by OFAC. I am well aware of the sanctions US has regarding any business, or transactions with XXXX again, these funds were not going to the island they were going to a childhood friend from XXXX and the description was used to differentiate from another friend with the same name. After weeks of constant calls to my bank Region no one can tell me were my funds are or if they will ever be returned to me. XXXX XXXX XXXX has acted without any question being asked has just determined they were going to proceed in this fashion. I must know were the funds are and were they have been applied otherwise this is just pure act of vandalism.

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 2022-08-18
Company: Experian Information Solutions 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:
So I sent a letter off XX/XX/2022. Here 's my tracking number all my tracking numbers. To remove personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 168. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer 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 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. I requested refund from Capital One Savor credit card for a flight tickets purchase of {$170.00} from XXXX to XXXX by XXXX XXXX due to covid19 that XXXX closed boarder to U.S. citizens and booked flight cancelled and we were put on a different flight 5 hours earlier. They offered one year time limit credit which is useless because the pandemic would not be over by then. So I insisted for a refund. 

2. On XX/XX/XXXX Capital One notified me the case # is XXXX and they needed more back document to continue the process. 

3. On XX/XX/XXXX, I submitted all the requested documents before the deadline of XX/XX/XXXX. 

4. I didn't hear any replies and I called on XX/XX/XXXX and I was told that no decision had been made yet and I should hear back from them very soon.

5. Up to today, two months have passed, I have not heard from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My problem is with the private student loan servicing company, Navient. My original loan was with XXXX XXXX until this company took over. I have a XXXX claim pending and have not worked since XXXX 2013. I have tried to get this company to either give me some kind of temporary forbearance or lower my payment or interest. Time and time again they have refused to do anything and some of the representatives ( particularly the last one ) have been extremely rude and unreasonable. I explained to them that I have other Federal students loans and they have been working with me on my situation, but that did n't phase them at all. I did not know what I was getting into when I took out this private loan until it was too late. My husband is having a hard time helping me with this loan because he gets paid on a commission basis and his paychecks can be skimpy at best. Companies like Navient need to learn to work with people just as the Federal system does!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Information belongs to someone else

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX 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

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 2022-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed a dispute over 30 days ago and I have not received any information about the investigation of the dispute that I have file.

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 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company calls with my full ss # and DOB and says I owe money and need to pay it or they will have me served. I call the creditor that they claim to represent and creditor said account was in good standing and previously paid off and closed ( as reflected on my credit report as well ). The " XXXX XXXX '' calls me every three days and leaves a message. I blocked my number and called them back and it said call could not be completed. I unblock my number and they answer on the first ring. They said that I haven't paid since X date. That is the date that the card was paid in full. I do not know how they have my full SS # either. I have 7 voicemails since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge.XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2016 Balance : {$0.00}

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 2022-02-24
Company: EQUIFAX, INC.
State: GA
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 making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is supposed to protect my rights. I am making complaint hoping that this issue can be solved. INQUIRIES : PLEASE DELETE ALL INQUIRIES Equifax : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - AN # XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX. Which is a collection company for Capital One Bank USA N.A. opened on XX/XX/2020 for the amount {$420.00} has reported on my credit report and I have disputed it with XXXX and XXXX. It is saying meets FCRA requirements. However I have no knowledge of this account at all whatsoever. I've asked them to please remove it and it will not be removed. This is fraudulent on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: IA
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:
XXXX continues to charge my Chase card after the card has been removed from the app and after I have called them ( XXXX XXXX ) and have disputed multiple charges on my credit card. I was told when I called XXXX they removed the card from the account. Since then, I have been charged a total of {$140.00} over 5 transactions. 

Previously, I tried to contact chase and have my card number changed so XXXX was unable to charge my account. I was told by Chase they could not stop these charges with a cc number change because XXXX has a deal with retailers to automatically provide the new card number. 

I have exhausted my options and want these charges to my card to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management has continued to call my office phone despite my repeated attempts to inform them that I am not who they are looking for and multiple requests to be removed from their system.

Company response to consumer: Closed with explanation