BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka XXXX XXXX and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement  and illegible piece Paper that only showed an amount, not a statement from " XXXX XXXX " Recently XXXX XXXX erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed the incorrect information on my credit file including the address and account in 2010 for XXXX that i does not belong to me now they not only am i constantly disputing i never grt more then its correct no documents to support their investigation and now dropped my credit score by 73 points while its in investigation this is cause great distress on my credit

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 2022-08-24
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was looking at my consumer report, XXXX, XXXX, XXXX and saw a medical debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of my medical information to this company. This debt collection company has violated my HIPPA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wakefield & Associates account # XXXX was already proven to be illegitimate and deleted by all other credit reporting agencies except for experian. 15 U.S.C states that a thorough investigation must be conducted by the reporting agency and any and all misinformation or lack of verified information, must result in this account being deleted from my credit report. As also 15 U.S.C also states that credit reporting agencies have a obligation to accurate and fair credit reporting as I also have a LEGAL RIGHT to privacy and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022, Capital One responded to my initial dispute of error to be able to open a Checking account for Account Ending in XXXX ; Capital One Case Number : XXXX CFPB Complaint ID : XXXX. 

ATTN : Capital One Financial Corporation Legal Department RE :XX/XX/XXXX Account # XXXX This letter is to serve *CAPITAL ONE AND XX/XX/XXXX XX/XX/XXXX* an official notice of a dispute for the amount of {$2100.00}. The owner of the above-referenced account, as defined by 12 CFR 1002.2, is a federally protected consumer. I am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, I am demanding you provide me with FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. 

Please be advised, pursuant to 12 CFR 1026.13, this constitutes as a billing error notice. 

** Current closed account as negative and closed when no thorough investigation or settlement was open upon. 

** A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority **A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XXXX XXXX Revocable Trust XXXX XXXX, OFFICER for CHASE BANK, JPMORGAN CHASE BANK, NA at XXXX XXXX XXXX XXXXXXXX, WA XXXX On or about XX/XX/XXXX the Grantor and Trustee appeared by scheduled appointment at the location stated above. We intended to open a trust account, personal and/or business account ( s ). XXXX XXXX, Officer for CHASE BANK, JPMORGAN CHASE BANK, NA was provided with Passports as identification, a secondary ID, a tax ID number and Certificate of trust. XXXX XXXX made copies of the instruments we provided. XXXX XXXX, stated that it would take 3 to 5 days to get approval form what he called their back office ( legal review team ). No response was received. On XX/XX/XXXX, Grantor made another appointment online. XX/XX/XXXX, the Grantor and Trustee appeared at the location stated above where XXXX XXXX providing no documentation, policy or law supporting his script and non performance, stated on behalf of the Chase Bank that it would not open a trust account because it was a foreign governing body and that they would only open an account associated with a social security number. The Grantor stated he was unhappy about the situation. Upon hearing this XXXX XXXX stated he was entered that In the computer and Chase Bank will now refuse to do any business with you. The Grantor asked XXXX XXXX to provide me with direct contact with your back office and a supervisor of the department which he denied. I asked XXXX XXXX when did he receive the information. He replied Friday, XX/XX/XXXX. I asked why did he not contact me on the day he received the information. He replied, he didnt have time. XXXX XXXX stated that I the grantor has to get authorization from the state to open a trust account. 
Constructive Notice of Sec.1 Public Law 93-579, Privacy Act served XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: AMERICAN INTERNET MORTGAGE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company took over payments from me alleging that i did not have insurance despite me providing insurance information. They claimed they sent a refund check and i never received it. I asked for a refund check to be sent back on XXXX. They agreed and mailed me a check dated XXXX which I received in XXXX. I cashed this check BEFORE 90 days is up and the bank said that AIM LOAN issued a stop payment on this check and thus caused me to incur fees and not have this check. 

When I called up AIM LOAN said that i requested a stop payment on this check on XXXX. How can I request a stop payment on a check that has not even been issued yet? I didnt. AIM LOAN stopped this check on its on account because they dont want to refund the extra money they charged me on the extra fees that I have incurred because of this. They need to refund this check, the overdraft and stop payment fees and all other fees that I have incurred because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i had a secured credit card with citi cards for a little over XXXX yrs always paid on time never missed a payment .Im trying to fix my credit and after being a year i asked for a credit increase got denied after a third time i was told that because i had a secured credit card i wasnt able to get a credit increase.The high interest fees and they telling me 2 times to wait another year when they never were really gon na give me an increase just to keep squeezing money out of me thru their interest and fees.Now i finally got fed up and asked for account to be closed and my {$800.00} reimbursed and it has taken them more than 60 days to date to do so.I was informed that on this past Saturday XX/XX/2022 that the refund of my money was approved now i have to wait another 10 to 14 business days to get my funds when i have already waited over 60 days because the first time i called to finally close it they didnt do it because their excuse was, well we usually wait up to 21 days because customers change their mind ... ... theres got to be some type of regulation on the abuse these banks do on hard working people

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 2017-08-14
Company: SUNTRUST BANKS, INC.
State: TN
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:
I was out of the country and booked a reservation through a travel agency named XXXX. The actual hotel name was XXXX XXXX. THE reservation was the same day I arrived. The reservation was made at XXXX in the afternoon. I entered my personal info name address and bank card info. I then thought the reservation was final .XXXX then sent me a email about 20 minutes later stating that they needed a photo picture of the front and back of my debit card and license to verify my information for there fraud department. The email also stated that if I had n't provided the information within 12 hours my reservation would be cancelled. I bank with suntrust and have recently had several fraud charges on my account including someome using my banking routing and account number to open a whole account with my information. I THEN called XXXX XXXX for more information before sending them my info. I called several times and was told to leave a message and never received a call back. About three hours later I then decided to make a reservation with the actual hotel to be safe then sorry. I also asked XXXX first to confirm that did not have the other reservation. I then made the reservation with the actual hotel for $ XXXX.Around XXXX XXXX that same day after I was checked in my room. XXXX XXXX charged my card for {$490.00}. I never received a call back from XXXX XXXX and I never sent them the information they asked for. I disputed the charge with my bank and they denied the claim.

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 2023-01-02
Company: EQUIFAX, INC.
State: AR
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. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company XXXX XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXXXXXX XXXX is reporting to Transunion, account number XXXX Closed, 60 days past due. 

XXXX XXXXXXXX XXXX  is reporting to XXXX, account number XXXX Paid, Closed, Never Late.

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 2022-09-30
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding PHH Case : XXXX. CFPB Case ID : XXXX In the response for this case, PHH admitted they had processed my 2021 taxes in error to the wrong account. PHH transferred service to XXXX XXXX. They stated that amount of XXXX would be sent to XXXX XXXX  to be applied to my account. 

XXXX XXXX  has NOT received this payment. I have not received a payment. I had to make this payment out of pocket due to everyone 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received and email from Bank of America stating that I have been approved for a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, along with a secondary email asking to confirm my email. I believed this to be Spam but then received a text message " welcoming me to Bank of America '' with a link. The email stated if it this was suspicious activity then forward to XXXX which I did. I then reviewed my credit on XXXX where I saw a hard inquiry from Bank of America in XXXX XXXX, TX on XX/XX/22. I phoned XXXX to put a fraud alert, disputed the inquiry, and phoned Bank of America because this was not an inquiry I requested. I believe someone is using my information to apply for credit.

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 2017-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. 5/3rd bank was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. XXXX says verified on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
have no knowledge of an account in collections from Americollect inc, this is not my account and have written several letters to the company and have never gotten a letter back or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Scammed to send money through XXXX app for {$200.00} with fraudulent images of transactions for XXXX XXXX sale. I received no benefit from the transaction and no product was exchanged. Have filed an FBI report, XXXX report and contacted my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: PA
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:
To whom this may concern, my name is XXXX XXXX XXXX, and I have recently discovered that I've become a victim of Identity Theft. I am writing this personal statement on my behalf of myself. My information was utilized to apply and or obtain financial goods and or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately. The account information is listed in this report and below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: ENOVA INTERNATIONAL, INC.
State: NC
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:
This account is showing on my credit from cashnet USA saying I got a loan and I have not I live in NC and payday advance loans are illegal here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: CT
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:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : 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