BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-08
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and I had a whole lot of inquiries that I don't recognize I'd like these fraudulent inquiries removed please XXXX XXXX and Equifax please remove the inquiries immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, XXXX, AND EXPERIAN IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX  SHOWING THAT I WAS IN XXXX AT THE TIME THIS ACCOUNT WAS OPENED.

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 2023-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've received phone calls at one point, every day then every other day from Portfolio recovery. For example XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, then XX/XX/23. I initially missed calls by accident, then didn't answer because the caller ID seemed scam-like. I then began to look into who they are and what debts I potentially had associated with them. I have 1, that I am in the process of getting handled via XXXX XXXX or sending them a debt validation letter since I noticed inaccurate information on my account they're associated with. I then did research on XXXX and saw how they've maneuvered in this manner with other people by making legal threats, which I'm certain has been attempted but I haven't been home either time that they came to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Consumer Financial Protection Bureau, I writing with a complaint on all three Credit Bureaus : XXXX, Experian and XXXX. 

I am an owner within XXXX XXXX XXXX XXXX. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/2023. Based on this open dispute XXXX XXXX put the following comment two different times on my credit bureau reports : Account information disputed by consumer, meets Fair Credit Reporting Act ( FCRA ) requirements. This statement caused my XXXX XXXX XXXX to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and Experian credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. 

I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, based on the statement XXXX XXXX put on my credit bureau file it caused my credit score to drop drastically which was punitive to me. The statement XXXX XXXX put on the account should not have caused my credit score to decrease at all. 

I contacted each Credit Bureau and they removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. I mentioned that XXXX XXXX put this statement on my account twice so again my score is back down to XXXX with XXXX and in the mid XXXX with the other two bureaus. 

I want to know why me disputing a charge is punitive with the credit bureaus. I believe this practice should be looked into. Your assistance is appreciated. 

Respectfully, 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 explanation
Consumer complaint received 2023-01-08
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, It is my understanding that a debt collector must furnish a letter within XXXX days of contacting you. 

According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX days after receiving the notice, the debt collector will assume that the debt is valid. 

Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a XXXXday letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX times after the initial contact. 

I am XXXX and living on XXXX XXXX as my sole source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
XX/XX/XXXX with a balance of {$12000.00} Vehicle was repossessed in XXXX and sold off in XXXX loan company still reports as if the account was still an open account and balance now {$15000.00}.

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 explanation
Consumer complaint received 2023-03-31
Company: SYNCHRONY FINANCIAL
State: TN
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 have previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.

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 2023-10-02
Company: Chime Financial Inc
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023, I received an email from Chime Financial , Inc., asking me to set up direct deposit. 

On XX/XX/2023, I received another email, stating my Chime Visa Debit Card has been shipped to an address where I have not lived for more than a decade. Notably, I never signed up for a Chime account ; in fact, I've never heard of Chime. 

On XX/XX/2023, I received two emails from Chime stating I'd successfully sent Pay Anyone Transfers in the amount of {$500.00} and {$0.00}. I immediately contacted Chime and requested they close this account ( I had never opened ). 

I received an Account Closure email from Chime on XX/XX/2023 with the assurance that I would not be responsible for any activity associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023 I tried getting a loan and was scammed. They got my bank info and deposited a check from XXXX which the bank cleared. When I realized I was being scammed I called immediately to report it. After being with b of a XXXX  years they decided to close my account. I understood that. And that it would take 30 days to close. I was concerned because my direct deposit from my company that I worked for which I've been getting direct deposits the whole time I was working for XXXX XXXX it was due to drop in a day or XXXX they told me don't worry we're going to send it back to your employer and then they'll send it to you or whatever well they did not they kept my check they cash my check they kept the funds for what I was scammed for and what's left over they're not giving to me they said that my company has to send them something to state that that's really my money I don't understand how they cast XXXX XXXX 's check kept it all of it and hasn't sent me nothing I had fraud protection because I banked online I thought and it's been since XXXX and I've been more than patient and I just want my money

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 2023-11-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a tax refund for XXXX dollars on XX/XX/XXXX using the chase app. On XX/XX/XXXX my account was completely restricted and I can not get access to my funds. I am currently out of town and dont have money for gas to get back home. My account was restricted because they need more information on my irs check which is at home and not in my possession. They offered no recourse to allow me to have access to my funds ( which have nothing to do with the pending check amount, they were in my account previously ) and were rude and cold. This is my second horrible experience with chase bank. I feel abused and like they have control over my hard earned money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/21 my account was hacked. I tried 2 dispute it two or three times. I was denied and they closed my account out. I kept trying to get in contact with the fraud company but nothing ever happened. I got my bank statement which stated that I had over {$9000.00}. Never got any closure.

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 2023-01-30
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 USC 1681 Section 602 States That I Have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish my account without my instructions. 15 USC 1666B : A creditor Can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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 want these inquiries deleted. I did not authorize these companies to run my credit. I have uploaded/attached my FTC report below. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX  I contacted a seller via XXXX XXXX. The seller was selling a mouse for my PC and I arranged to meet with the seller now the item was new inbox meaning it was still wrapped in the plastic. while I was there nothing with the item looked out of place the plastic was intact Etc so I paid the seller via cash app and then headed home which was about 10-15 minutes away. Once I got home I removed the plastic and open the box getting ready to set up the mouse. When I opened the box I did not find a PC Mouse I found ripped up paper and small Pebbles shoved in a box. 

I've never dealt with such a situation so I went to cash apps website to find out what to do. 
https : //cash.appXXXX In this document cash app lists what to do ... however this section is an issue. 

How do I File a Dispute? 
If youve already contacted the merchant and are unable to resolve a transaction, you may be able to file a dispute. To file a dispute for a Cash Card transaction, you will need to select the transaction in Cash App. To do so : 1 Tap the Activity tab on your Cash App home screen 2 Select the transaction in question and tap the in the top right corner of the screen 3 Select Need Help & Cash App Support 4 Tap Dispute this Transaction. 

# 4 does not exist ANYWHERE in app where they send you just to get rid of you. This leaves no where to even submit a dispute. 

After reading thru the above link I reached out to cashapp tried to explain to there support what was going on, seller changed contact info so no way I can reach them. that seller was scamming people with there app and i was basically told they wouldn't do ANYTHING not even open a dispute or investigate doing nothing. I have reached out to them serveal times o. This matter and get same cookie cutter responses basically telling me oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I obtained this credit card to be able to finance a piece of furniture. I since have paid off my debt with them and was considering whether or not I should keep the account open. While I thought about my decision I reached out to the company asking how I would go about closing my account if i decided to do so. I did not at any moment ask them to close my account nor consent or sign anything agreeing for it to be closed. In the following days I got notifications from them saying that my account was closed. When I reached out via phone I was told nothing could be done despite the fact that I did not ask for this to happen in the first place. I was not given another alternative, I was simply told that my account could not be reopened and the only way I could have an account is to re-apply. Them closing my account without my consent will now negatively affect me and my credit score and their only alternative of me applying for an account will also negatively affect my credit score. I was given no alternative solution that did not negatively affect me. I now have {$8000.00} less in available credit than I did before. The company had no reason to close my account without my consent or confirmation, especially considering that my history with them has been exceptional. They have not provided an adequate resolution for me and it has been very frustrating.

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 2023-11-28
Company: TD BANK US HOLDING COMPANY
State: FL
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:
TD bank has been sending me paper statements since I opened my checking account. I have NOT and did NOT request these statements. Initially, these statements were {$1.00} then a few months ago they increased to {$3.00}. I called in to inform them that I did NOT request these monthly statements and requested my {$3.00} refund. I was given the {$3.00} refund and was informed that I had to download their application ( APP ) and sign in my account to stop getting charged the {$3.00}. I dont wish to download TD bank app or receive their paper statements. Is it legal for me to be charged {$3.00} if I refuse to do both? I have since been charged again on XX/XX/23. Thanks for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I applied with Navy Federal Credit Union for a new home loan XXXX  back in XXXX and I was denied I went to another Mortgage lender and was approved this is clearly XXXX discrimination and they need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation