BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never opened this account ( XXXX  ) in XXXX it says. I have never lived in a XXXX Il. Where this account came out of. I have lived in XXXX XXXX Nv since 2003. I have went through XXXX XXXX, it has came back that it is mine, in which they are wrong. I have never order from XXXX ever!! Credit collections is LVNV funding LLC and says I owe XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016, a fraudulent attempt to open a XXXX card in my name occured. It resulted in a hard pull. XXXX has sent a letter ( dated XX/XX/2016 ) to all XXXX credit bureaus to remove the hard pull. Equifax is the only remaining credit bureau to have not remove it ( numerous confirmation numbers with no result ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I submitted a complaint regarding this company within the past 6 months with your company, case file no. XXXX, this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with Debt Recovery XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter XXXX bankruptcy back in XXXX and that has been XXXX, all accounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under XXXX XXXX XXXX Virginia - XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very stressful having to deal with false transactions and fraudulent reporting on my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Equifax - learned about FCRA XXXX and sent on XXXX XXXX to block. Equifax refuses to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/XXXX, I received a text alert that a transaction of {$50.00} had just occurred on my debit card without my approval. I checked my account and saw that a {$50.00} XXXX  gift card was purchased online using my account and was sent to someone ( recipient of the gift card was listed as e ). My XXXX  account had been hacked. ( I have not given anyone my email address, password, or access to my XXXX  account ) .A few minutes after I discovered this, I called Regions bank to file a dispute. I called today, XX/XX/XXXX, and they deemed the charge to not be fraud.

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 2022-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022 XXXX XXXX XXXX took a {$100.00} from my Checking Acct. 
On XXXX XXXX XXXX the same company took out {$70.00} from the same Acct. 
Several times I requested them to Cancel my contract and this all was because they didn't do the repairs as they advertise when I became a customer with their organization 2 times once in XXXX and once in XXXX. where they did nothing to repair my Heat Pump the first time in the winter when it was cold and once in the Summer when the heat was 100 degrees. I am a XXXX veteran with XXXX XXXX XXXX and both conditions of the weather have affected me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX 2017, I receiver a letter informing me that my taxes had not been paid. I called and reported that I would pay my taxes as I always did, understanding that there was a fee added each month, but I did not want an escrow account. I paid county, city and school taxed but the money was refunded because Chase had paid the taxes. I contacted Chase and asked if I could reimburse them and not have an escrow  account. and they denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The Credit Bureaus never did a proper ''Investigation '' according to the FCRA The term ''Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledgeable concerning any such items of information. 

They did not do this, Also they have violated my rights even more In accordance with the fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate the date last active is inaccurate and date last reported is not accurate this is ground for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy,15 U.S.C 1681 604 A section 2 it also states a customer reporting agency can not furnish an account without my written instructions I did not give anybody 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 2022-09-07
Company: EQUIFAX, INC.
State: AL
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 Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Jefferson Capital appeared on my credit report last year. I had no notice of information from them to dispute it. XX/XX/XXXX I noticed an inquiry from XXXX on my credit report ... XXXX is a collection arm of Jefferson Capital. XX/XX/XXXX I received a settlement offer from XXXX XXXX. Still, I could not dispute the debt with Jefferson Capital. This makes twice this debt has appeared on my credit report along with the original creditor. On XX/XX/XXXX I received yet another letter from XXXX XXXX about this same debt. I want Jefferson Capital to remove this debt from my credit report and contact me directly if at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated that " XXXX XXXX  XXXX XXXX verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not authorize the following hard inquiries and as such they are fraudulent XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated that " XXXX XXXX XXXX XXXX verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.

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 2022-09-07
Company: Couch Lambert LLC
State: OH
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 have an outstanding judgement for a credit card debt from XXXX XXXX XXXX. I have been trying to resolve this since I was notified by mail that I was being sued for a judgement. The debt collector is Couch|Lambert. I have repeatedly called and e-mailed. No one ever answers the phone ( I stayed on for 6 hours one time ) or responds to e-mail. I would like to discharge this debt, but am concerned about the inability to communicate with anyone and do not want to pay on-line without assurances of resolution. It feels like the company doesnt actually exist. I contacted the court and XXXX. The court just has Couch|Lambert and XXXX no longer has the debt on their books. This started in XXXX XXXX XXXX I have been trying to contact Couch|Lambert at least monthly since then. I have not received any communication back to repeated e-mails and voice mails. Please advise on the best way to resolve this issue. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I dispute this debt to Portfolio Recovery and also ask for debt validation. I also request to provide verification of the amount they said, I owe. They did not provide me with the original credit application as I ask. 
Portfolio Recovery respond back that they had completed our investigation of your dispute concerning this account. 
Portfolio Recovery never did a proper investigation, In accordance with Fair Credit Reporting everything has to be 100 % accurate on my credit report, how is that possible if the date open is inaccurate, last report date, date last active?

They also violated the law because according to 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 an account without my written instructions, I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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:
There are XXXX inquiries on my report that are unauthorized and unverified. I've already contacted the original creditors about these.

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 2015-11-11
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Opened arrival plus account back in XX/XX/XXXX with XXXX score and XXXX figure income I was originally given a XXXX limit which I could n't understand so I asked for XXXX. I was declined for the XXXX so I apped for XXXX more Barclay cards both were approved for XXXX a piece. After using arrival plus for couple weeks I received a call stating a needed to go into bank and do a cash advance in order to verify my identity which was done on XXXX since then I have had maybe XXXX security verifications done asking public record information which I have always been able to provide without issue I added Au to my account and there was a security freeze placed. I asked to speak to supervisor and the csr have refused to put a sup on line and now have frozen my account until I MAIL in my ID front and back is this not XX/XX/XXXX XXXX near XXXX why is it that they will not accept email or fax yet they can accept over XXXX in payments? I am beyond frustrated with the back and forth with them! They made me do cash advance to verify my identity and I was charged {$50.00} I want a refund and investigation of why I have been mislead and mistreated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
On Saturday, XX/XX/2019, I was at the XXXX Mall for holiday shopping. The merchant, XXXX XXXX XXXX ( merchant ), operated a holiday kiosk on the second level of the mall. Upon passing by the kiosk, a salesperson from the merchant kiosk approached me directly and asked if he could introduce me to his line of products. I agreed and allowed the salesperson to demonstrate his products. 

When the demonstration was finished, the salesperson revealed the cost of the products. I specifically asked the salesperson if the products could be returned if I did not like them. The salesperson assured me that the products could be returned or exchanged and the sale was closed. My Capital One Credit Card was charged {$370.00}. 

Half an hour later I found the same products online for a greatly reduced price. I contacted the merchant at the phone number listed on the receipt. There was no answer and the call went into voicemail. I contacted the merchant by text to document the discussion and demanded a refund. 

The salesperson stated that the merchant would match any price found cheaper on the web. I stated that I no longer wanted the product and requested a refund. Merchant stated in text that You have money back guarantee and promised to put me in contact with the merchant customer service the following Monday. 

Shortly after, I had an allergic reaction to the products. 

The salesperson never contacted me as promised on Monday, XX/XX/2019 and all calls to the customer service number listed on the receipt went directly to voicemail. 

I have made a good faith effort to resolve this issue with the merchant and Capital One. The merchant is non responsive and Capital One has ignored clear and convincing evidence that no refund policy was listed on the merchant 's credit receipts. During initial text conversations with the merchant, the merchant clearly stated that a money back guarantee existed.

Company response to consumer: Closed with monetary relief