BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-05
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
After receiving an uncertified letter in the mail from Legal Recovery Law Offices , Inc. stating that they would be suing for an old debt on behalf of XXXX XXXX XXXX ; My employer received documents for a wage garnishment. I then made contact with Legal Recovery Law Offices Inc. to reach an agreement on a payment plan. They accepted and a " good faith '' payment was made that day ( XXXX XXXX, 2015 ) in the amount of {$240.00} via my debt card. Following this payment I was sent documents for the payment plan that was agreed to. It was a three year plan with payments of {$240.00} per month. I was to fill in the date for each automatic payment to be withdrawn from my account. They printed my entire debt card number and cvc number on this document. Once I filled in the dates and signed it, I sent it back to their address at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. A few months later I realized that a payment had not been taken out. At this point my wife called to verify what was going on as our entire bank account information was on this document. They claimed they never received it. Several times after this I tried to fax them the information and not once did the fax go through. Last week I made phone contact with them again to resolve the issue and was informed on recorded phone call that the fax number had been out of order for over a year. This is the number still listed on documents sent by the company. At this time they informed me that since payment had not ben received, they were taking action again via wage garnishment. Over the last week my wife and I have made every effort to find a solution with this company and have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Sent in a letter to equifax to have them verify everything they had for my XXXX XXXX accounts and XXXX account and not to just send back item verified but to send all the documents they had on file used to verify it and if not received within 30 days under the fair credit reporting act it must be deleated off my report if failed to send the documents, so I want the accounts deleated asap and not wait for it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Equifax credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, Equifax reports the following information that does not belong to me : 1- XXXX, XXXX/XXXX/XXXX, {$410.00} 2- XXXX, XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- UnknownXXXX, XXXX/XXXX/XXXX, {$400.00} 4- UnknownXXXX, XXXX/XXXX/XXXX, {$940.00} 5- XXXX Mortgage, XXXX/XXXX/XXXX, {$18000.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 7- XXXX, XXXX/XXXX/XXXX, {$89000.00} 8- XXXX, XXXX/XXXX/XXXX, {$5100.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$4000.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$21000.00} 11- XXXX BankXXXX XXXX XXXX/XXXX/XXXX, {$300.00} 12- XXXX Vacation XXXX XXXX XXXX/XXXX/XXXX, {$13000.00} 13- XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX, {$180.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$3700.00} 16- XXXX XXXX, XXXX/XXXX/XXXX XXXX {$360.00} 17XXXX XXXX, XXXX/XXXX/XXXX XXXX {$4900.00} Please remove these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: Turning Point Solutions LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Turning point solutions called my home my cell AND my adult daughters cell who I have no idea how they got her number. They did not identify who they were representing but did threaten me that they can do whatever it takes to get their money. They also block their calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: JPMORGAN CHASE & CO.
State: CA
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:
At XXXX on XX/XX/2020, my husband received a fraud notification from Chase bank that a purchase for {$18.00} was approved on our debit card ending in XXXX at XXXX XXXX. The text asked if it was him that made this purchase. He replied " NO ''. My husband logged on to our mobile banking app with Chase and the charge was not there, but there were 3 " pending '' charges for {$500.00}. My husband promptly called Chase and as he was on the phone with the representative who was asking questions and deactivating my husband 's debit card, 4 more identical charges were made for the exact amount as well as a charge for {$780.00}. There was a total of {$4300.00} taken from our account from someone in the XXXX. The bank representative gave us a temporary credit while the " investigated '' the claim. Today, we received an email stating that the claim was denied and the bank would be removing {$4300.00} from our account. I XXXX the companies that were on the transaction statement and " XXXX '' in XXXX ( XXXX XXXX ) is a mobile banking app that neither my husband or I hold an account with nor have we ever heard of. The other company is " XXXX '', a clothing company in XXXX, XXXX ( again, I have never heard of this company ). We have our debit card in hand, it was never lost or have we EVER been to XXXX. I am disturbed that Chase denied this claim given we were ON THE PHONE with them while the transactions were taking place. Furthermore, the charges continued to post even after the card was deactivated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please remove/block/delete this account. This letter is a follow up to my original letter regarding an inaccuracy on my credit reporting, regarding the entry being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX ( XXXX ) XXXX Account number XXXX please remove/block/delete this account. You may have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX Account number XXXX am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in Wenger vs. TransUnion Corp No 95-6445 ( C.D. Cal. Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AMERICAN EXPRESS COMPANY
State: MI
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 XX/XX/2019, I disputed a charge with American Express from XXXX for {$920.00}. Today, XX/XX/2019, That charge is still showing on my balance. My contract terms and conditions with American Express clearly says that any disputed charges will be temporarily credited until after that investigation is completed. I brought this up to a representative through Chat, and they confirmed this dispute is being handled differently, I informed American Express they were in violation of our contract therefore breaching our contract and they were also in violation of federal Law which clearly states how disputed charges are to be handled. They did not care! I had a recent dispute for {$69.00}, for this dispute I received a temporary credit until the investigation is completed. 
The XXXX charge was paid by other means also the {$920.00} charge is more my contract with XXXX. I paid XXXX {$790.00}, when the car was dropped off. For some reason XXXX charged me again a higher amount. 

American Express is recklessly and deliberately breaking out contract and the law, meaning they literally do not XXXX XXXX XXXX! 
also they will be reporting the wrong amount to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Conduent Incorporated
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have my SS check deposited into my XXXX XXXX debit card every month. In XXXX my card was hacked into and they cancelled card and said they would investigate. They sent me a letter telling me that they had given me a provisional credit and it was mine to use. They would not take it back unless investigation was unfavorable to me. When I checked my statement XXXX XXXX, 2020 I saw where they had taken the money back. When I called them they said the investigation was ongoing. I asked why they took the credit back and they said they could take it back anytime they wanted to. But that is not what they said in the letter that I still have. I'm with XXXX XXXX Cardholders Victims and they have done this to so many people. I can't believe they are still in business! So, far I have not heard anything from them or received my refund. The purchase that someone made using my card was at XXXX XXXX Support in XXXX, ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 ( s ) # 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 2015-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXX I found accounts that were in collections and inquiries on my report that I did not authorize, had no knowledge of and did not belong to me. I contacted the FTC filled out an Identity theft affidavit and filed a police report. I placed a freeze with each credit bureau and started contacting the fraud department of each creditor. I sent my police report, letter from the police department, proof of identity, FTC affidavit to each creditor and the credit bureaus. XX/XX/XXXX all items were sent again to each credit bureau for all items and inquiries that I was still disputing. Equifax is refusing to remove information from a Creditor XXXX and inquiries stating because it is being validated as mine by the collection agency and the creditors, However when the collection agency XXXX was contacted they stated that they never received anything except the police report from the credit reporting agency. Equfax is allowing a creditor to validate a debt based off of information that was stolen from me, name, dob, ss and previous address that was in my wallet when stolen and information that they are sending to them like my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX sent a XXXX scammer {$300.00} via the XXXX feature on my XXXX XXXX Account. He never sent me concert tickets. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to Bank of America account, right? For some reason, every scam I come across involves Bank of America. '' Telling, right? 


XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( BofA ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing they could do and that the claim was closed. 


I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to BofA. BofA will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me XXXX and I 've learned XXXX some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. 

They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 


One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 


Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and Bank of America is a haven for scammers because they do not properly verify ids when setting up 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 2015-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband died in XXXX 2013 and I have been trying since XXXX 2013 to get a loan modification. I am a senior citizen and have provided SPS with the requested documents so many times I have lost count. I have never been able to talk to XXXX XXXX the relationship person assigned to me. Every time I call with is once a week he is never available, thus, each time I speak to a different person and get a different explanation as to why my loan modification has not been completed. XXXX reason given I is that my picture on the license I faxed in is too dark, which I find very offensive and do n't know how to fix. Another reason I have been given is that they could not find my son 's name on the check stubs faxed in. Which again I do n't understand because the previous person said they see the name. Every time I call which is once per week, I talk to another person and get another reason. It has been almost two ( 2 ) years and still no loan modification. I am falling deeper and deeper into debt and fear losing my home which is putting me under a lot of stress. I want the mortgage company to modify my loan. I want a fixed rate with a reasonable monthly payment and I do n't want my principle balance doubling because delinquent interest has been capitalized into my XXXX. I want to be able to talk to the same person every time I call who understands my file and my situation and who is committed to helping me. I want to stop getting the run-around from the loan servicer SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The accounts for XXXX were closed and the debt has been i paid in full, accounts show still owed

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: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 


The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: AR
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: Didn't receive services that were advertised

Complaint:
EVER SINCE EQUIFAX DATA BREACH I AM UNABLE TO USE EQUIFAX MONITORING THAT I PAID FOR I HAVE BEEN A MEMEBER FROR YEARS..ALSO, ARE A MEMBER FOR THE XXXX ID XXXX , WHERE I CAN NOT FILE DISPUTE ONLINE. LASTLY XXXX FAILS TO HAND SHAKE WITH ALL BUREAUS SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
{$2500.00} was scammed from me using Zelle. I contacted XXXX bank who failed to reimburse me because the withdrawals were approved by me. 

I was trying to sell an item on XXXX market place. Buyer supposedly sent the money with Zelle. I got an email from scammers telling me I had to create a merchant account by refunding the money to the buyer, I never saw the initial payment to me. Who I thought was customer service for Zelle kept telling me I needed to refund more money due to a problem get the account established and my bank not working properly. 

This happened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MI
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 ) # 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 response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I use XXXX for my financies. I track when I know my deposits will arrive and schedule bills according. 
If I know I will have funds on the XXXX I will schedule a bill/draft for the XXXX or XXXX. BB & T is drawing the funds XXXX to 5 days prior to the actual with draft/payment. This causes an overdraft because the depost will not arrive until the XXXX. This seems unfair to charge me an overdraft when an overdraft would not have happen if they did not cause it. 
If they are going to allow overdrafts then whats the point of pulling the funds early? 
I feel this should be illegal to charge me an overdraft when one technically did not occur.

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 2022-05-05
Company: WELLS FARGO & COMPANY
State: WI
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 Amex/DSNB Account # XXXX, XXXX XXXX Account # XXXX and First Centennial/DOVEN account # 310146has violated my rights. 

1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A 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 an account under an open end consumer credit plan as
late for any purpose.

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