BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Request for Debt Validation or removal from credit report over 30 days ( no reply from debt collector ) Debt is still present on my most recent credit report Alleged Debt is not Known and not Validated via my written request via certified mail This Debt Collector has made false claims on my credit report Filed a complaint viXXXX XXXX -issue left unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Earlier this month i had gotten my wallet and information taken.And my bank cards compromised The Banking Company Named ChimeOn the XXXX of XXXX and XX/XX/XXXX i received a message saying i spent {$730.00} and one for {$270.00} on XXXX A total of XXXX XXXX i had called and told them it wasnt me they said the transaction has to be settled before i can cancel or dispute. Days later i called them and filed a dispute and they keep denying it and based the out of the bot they use. now im stuck while losing money .Just not fair at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
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 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 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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2023-03-26
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: Reporting company used your report improperly

Complaint:
After checking my Credit Report I Reached out to the credit bureau to open an investigation on the verification of accuracy and consistency of information on my credit report. The Credit Bureau came back with the result as being verified and accurate, and after doing more in depth research i found the information to be improper and inaccurate after the credit bureau stated they have already conducted their investigation In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX - XXXX XXXX XXXX XXXX-30 Days 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 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 explanation
Consumer complaint received 2023-10-15
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Regarding Mgr. XXXX XXXXXXXX and her Mgr is XXXX XXXX. I was mistreated and barrated by this woman and she wouldn't allow me to speak to her Mgr. My loan has since been charged off and my rights continually violated by Navient because their customer relations rep XXXX XXXX has repeatedly emailed me saying they are researching my complaint on XX/XX/ and XXXX The Private Student Loan Mgr, XXXX XXXX, continuously denied my request to speak to her supervisor and/or manager. She barated me and violated my Fair Debt Collection Act Rights. I informed her that I was at work and I asked about how the repayment program I was in was cancelled a month ago, but my bank account was drafted for the agreed amount that day? She refused to answer that question and so did her subordinate. Instead the Manager continued to tell me I wasn't a good person because I was bouncing checks all over the place and that she was a shareholder and it was affecting her. She never asked how and why I wasnt able to pay. I asked Customer Relations to please investigate and review the call. My name is XXXX XXXX, however my maiden name is XXXX and the co-borrower is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Capital One Venture card set up with the Auto Pay feature to pay the statement balance in full every month. 

In XX/XX/2023, the payment was not drafted from my checking account on the due date, XX/XX/XXXX, so I called Capital One the following day on XX/XX/XXXX to inquire why it had not been drafted and was told that they could not tell because I was set up in Auto Pay to have the full statement balance drafted from my account. I paid the full balance over the phone on XX/XX/XXXX and the representative acknowledged that there was no reason he could see why it had not been drafted as it should have been. He agreed to refund the {$25.00} late fee that had been charged to my account. 

At the time, I did not realize that on XX/XX/XXXX I was charged {$21.00} in interest for the prior month 's daily accrued balance. On XX/XX/XXXX, the balance was drafted in full, as it had been in every month prior to XXXX. I was again charged {$10.00} on XX/XX/XXXX even though the balance was again paid in full. 

This morning I called to inquire about the XXXX interest charge and the representative again said he did not understand why I would have been charged interest as the account had been set up for many months to be auto drafted and paid in full every month but that he did not have the ability to waive the interest so I asked to speak to a supervisor. 

The supervisor then told me that he saw where the account had been cancelled to have the payment drafted but could not tell who did it. There is however, NO RECORD of the auto payment being " reactivated '' - it was never cancelled in the first place, at least be me. If there is a record of my auto payment feature being cancelled, it would stand to reason that there would also be a record of the Auto Payment being reactivated after the XXXX statement but I have verified that there is no such transaction record on my account. 

I am at a loss why I am being charged interest for two months worth of charges for what is effectively a one day late payment due to a system error at Capital One. At no point prior to speaking to this supervisor has anyone previously ever indicated that the Auto Payment was cancelled and I certainly did not cancel it. I paid the entire balance over the phone on XX/XX/XXXX and I pay the balance every month in full. 

I have been charged for accrued interest for two months through no fault of my own. Capital One, while acknowledging that no of this makes any sense, is unwilling to refund me for the interest they have charged to my account. Please look into this and help. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping thatXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these disputed items get corrected.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XXXX XXXX XXXX XXXX purchased the loans and this was placed on my credit. On XX/XX/ via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX  ; I found out these accounts were sold to XXXX. XXXX first denied it, but they purchased this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XXXX XXXX XXXX XXXX from XXXX stated, XXXX XXXX XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the nine loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX that the nine accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/ the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.

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 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I havent used my credit in quite some time. I looked at my credit report recently and found several fraudulent accounts. They are listed in my identity theft affidavit.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My son, XXXX XXXX, XXXX, and I are joint account holders of a Chase College Checking account. On XX/XX/2023, I noticed two unauthorized transactions to XXXX XXXX in New Jersey. The first charge was for {$65.00} on XX/XX/2023 and the second was pending on XX/XX/2023 for {$280.00}. I questioned my son, who is a XXXX XXXX in XXXX, NY, about these transactions and he was adamant that he did not make either of these two purchases. Promptly on XX/XX/XXXX, we contacted the Chase claims department to file a dispute for the two transactions. They quickly deactivated the debit card associated with the checking account, issued a replacement debit card and provisionally credited the account for both unauthorized charges totaling {$340.00}. Chase Claim XXXX XXXXXXXX. The replacement debit card was promptly received and activated. We thought that the issue had been settled. Thereafter, on XX/XX/2023, I noticed that the provisional credits for {$65.00} and {$280.00} were reversed. When I contacted the Chase claims department, they explained that their investigation indicated that the charges were not considered to be fraud, as no new devices were used for these transactions and that there was XXXX XXXX recognition. This is completely untrue! My son and I are 100 % adamant that neither of us made these transactions. I asked the customer service representative to re-open the claim, but they refused without me providing them with new information or documentation. When I asked what I can provide to them to show that this was fraud, they could not provide me with an example. When I asked if they can provide me their " proof '' that these were supposedly legitimate transactions, the customer service representative indicated that I would have to take their word that the investigation findings were correct. By the way, we have yet to receive their investigation conclusions in writing. Why can't they provide me with the investigation documentation? Show me the supposed XXXX recognition, show me what device was used. This " investigation '' was conducted by some " back office '' department that can not be reached by phone or by email..This is completely unacceptable! I would like to see the documentation uncovered during their investigation. Ultimately, I would like our {$340.00} credited back to our account since these are fraudulent transactions. It is very known that these fraudsters and hackers are very sophisticated in how they manage to obtain a customer 's information and run rampant on that individual 's accounts. The banking institutions are falling short in protecting the consumer of these cyber crimes, so we have to pay for it? No, unacceptable! Please have them return our {$340.00} as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I reached out to TransUnion customer service would not assist and take care of the negative inquiries reporting to my credit report

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am submitting this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus XXXX, XXXX, and TransUnion. If you require any further information, please do not hesitate to contact me. The inquiries in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-05
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint XXXX To Whom It May Concern : I am writing to dispute the validity of the collection account associated with my name and Social Security Number XXXX While I acknowledge that I have made payment to your agency to close out the account and that the reporting of the paid account was accurate, your company has still engaged in unlawful practices in violation of the Illinois Collection Agency Act ( IL CAA ) and the licensing requirements of the Illinois Department of Financial and Professional Regulation ( IDFPR ). 

The core issue in question here is not the accuracy of the reporting itself but rather your company 's legal right to collect the debt in Illinois. As an aggressive advocate for my rights, I must insist that you promptly address the following concerns : 1. Licensing Violation : Your company was not duly licensed by the IDFPR when you attempted to collect on the alleged debt. Your failure to secure the necessary licensing constitutes a violation of the IL CAA, which mandates that all collection agencies operating in Illinois be appropriately licensed. This violation nullifies your legal right to collect the debt and voids any associated reporting. 

2. Illegitimate Reporting : Considering the licensing violation, any credit reporting associated with this account, even if accurate, must be considered illegitimate. As a result, I demand that your company immediately remove any adverse information related to this account from my credit report. 

3. Legal Consequences : I would like to remind you that your company 's violations of the IL CAA, specifically 225 ILCS 425/2, 425/8, and 425/9, expose you to potential legal liability. Although I have paid the account, this does not absolve your company of its unlawful actions. I reserve the right to pursue legal action, including but not limited to seeking monetary damages and injunctive relief, as a result of your company 's violations. 

4. Documentation : I require written confirmation from your company acknowledging your compliance with the above requests and a comprehensive accounting of any actions taken in response to this dispute. 


Please be advised that if you fail to comply with my requests and continue to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), the IL CAA, and other applicable laws, I will not hesitate to take further legal action. 

I expect a prompt response and resolution of this matter. All correspondence should be sent to the address listed above.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation