BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: ONLINE Information Services, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ On XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ At the end of XX/XX/XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See XXXX XXXX    XXXX XXXX XXXX , XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ). 

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection on a disputed debt that had not been validated. 

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called FBCS inc has repeatedly called me and attempted to collect personal information from me. They state they can not share their reason for collecting this information and can not give me further information until I give them all of my personal information. 
I received a letter stating that they were trying to collect I debt I owed to XXXX. I contacted XXXX and they stated my account was fine ( and had even been closed for several years ) and no debts were ever owed and FBCS inc does not represent them in any way. 
This is obviously a scam. 
Several other people have commented on online reviews that they are also being harassed by this company. 
This is the second year in a row that they have been harassing me by phone and by federal mail. 
Last phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
Letter dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: FL
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:
I Have been a victim Of Identity Theft Someone is Using My Identity Which has cause Damage to My Name. I did Not Authorize These 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 non-monetary relief
Consumer complaint received 2021-03-02
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan Modification in XX/XX/2020. The payment was $ XXXX monthly. All payments were made as scheduled on time. Out of nowhere I received a letter from the Mortgage company around approximately XX/XX/2020, stating the Mortgage will be increasing approximately {$2000.00} due to an escrow shortage. This is not because the property taxes or homeowners insurance went up significantly high. This is because, of a {$7000.00} shortage created during the loan modification. I have been trying to get help to resolve the problem in some kind of way and have not gotten any help or solid information from the Mortgage company. The new amount is a drastic change for my budget and now the Mortgage is behind again. Midland does not call back to follow up as promised. Ive made all the follow up calls and still made payments to avoid the Mortgage from falling further and further behind. This is an FHA Loan.

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 monetary relief
Consumer complaint received 2021-12-16
Company: Blackhawk Network Holdings Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Ok so I was buying a XXXX XXXX XXXX from the official XXXX site. XXXX uses XXXX and I was not aware of the bad reviews of this site thus making me buy 3 XXXX XXXX XXXX 's which each cost {$10.00} making it {$30.00}. After I purchased them 5 minutes after I received an email saying " We're sorry. We were unable to process your XXXX XXXX XXXX order from XXXX. 

Settled charges will be refunded to the original form of payment. Pending authorizations do not represent capture of funds and will expire according to the policies of the financial institution. '' And after a long 6 hours I have not received any money on my debit card. 
The customer support doesn't give a XXXX about you. They don't even bother to respond. 

Sites that led me to purchasing the gift card : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/22, Discover lowered my credit limit from {$30000.00} to {$900.00}. I called Discover on XX/XX/22, at XXXX XXXX. XXXX, the representative, advised that a soft pull was done on my XXXX consumer report which I did not expressly authorize in writing, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I advised her that Discover had violated my federally protected consumer rights.

Discover 's actions in reducing my credit card limit from {$30000.00} to {$900.00} is discriminatory and in violation of federal law. Specifically : 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ), and 15 USC 1681b ( a ) ( 2 ). 

XXXX said promised that a supervisor would call me back within 24-48 hours. It has been 72+ hours and I have not heard back from Discover. My rights have been violated and nobody has tried to assist from Discover. I have suffered harm, injury, and emotional distress from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
There are some accounts on my credit reports that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX  XXXX XXXX {$660.00} not mine

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 2019-12-23
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, My name is XXXX XXXX ; I have contacted Chase in this manner. Chase bank representative told me that it is my fault for making Chase bank checks bounce. 
Bellow is the listed issue. I have notified XXXX in this about this. 

Chase bank charged my account a payment of XXXX $ on XX/XX/2019. When the Mortgage is paid in full on XX/XX/2019. The chase bank bounced the check on the customer and made the customer own the check fee. The second is the check should not be short the mortgage to the customer and should be accounted exactly by the chase-banking department. The customer has paid the balance in full on XXXX XX/XX/2019, customer got charged by Chase amount of XXXX $ do this day. The customer has called Chase bank to solve this matter ; Chase customer service told customer that it was their fault for chase bank bouncing the check after the balance is paid in full, customer was charged a check bound fee, chase bank is committing bank fraud. 

Chase bank told me that it does not refund check that bounce, when the Chase bank was responsible for stopping payment in the first place. 
Chase is committing bank fraud by charging the customer bank fee, without their consent and notification. 

Refund the customer XXXX $ for the XX/XX/2019 payment, which was charged by chase after the customer paid the balance in full. 
Refund the customer {$5.00} check bounce fee in the poor accounting case by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX XXXX XXXX XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : 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.

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 2019-12-23
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company is a fraud, Im starting to do a round up of signatures of people this company have messed up, this is the second time reporting this agency they keep calling harassing me after i have decided to give they broke car back to them, they closed the loan and still called and harsh me i got recorded conversation where the agency said the car was fix and then she came back in the same conversation and said that they didnt fix the car, but she also said they will give me a report on what was repair on the car i have attach the phone calls and copies of the recorded conversation on my credit report it shows a closed account and repossessed she claim they will repoen the account after the car was fix they have not sent over to me the report where the car was fix

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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 XXXX XXXX XXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 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 a credit 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: MD
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:
Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX XXXX  and the credit bureaus are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: ME
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:
I received a notification from Chase 's fraud department through text XX/XX/XXXX at XXXX for a purchase made at an establishment in XXXX XXXX called XXXX XXXX XXXX for {$4400.00}. I had my credit card on hand and was working when this transaction went through. I immediately responded to this text as I did not make the purchase and couldn't physically be there as I was working, I also was not aware of this store in XXXX and it does not reflect my shopping habits. This {$4400.00} charge never appeared on my balance and thought this issue was resolved. 

However while going over my XXXX statement later they did approve two other transactions in the amounts of {$2800.00} and {$340.00} also at XXXX XXXX XXXX. I immediately disputed these charges over the phone, they were taken off of my account and I thought that was the end of it. 

I went through and saw on my XXXX statement that the charges reappeared, I once again called customer service and disputed this decision. I called and Chase decided that because I live and make frequent purchases in the area ( even though I disputed the other charge of {$4400.00} and there was no pushback on that dispute ) my purchase history doesn't reflect these types of transactions it was valid. 

I have been in contact with the business and they have been very sympathetic to my struggles with Chase. They told me unfortunately that these disputes largely fall on the credit card company so I have followed up with Chase at every turn. 

It is a Chase XXXX credit card. I replaced the card immediately after receiving the fraud alert over text message. I have no authorized users on my card, I was not in the area of the charge when it was made and my spending habits do not reflect this amount of money being spent. 

I am appealing this decision for the third time now with Chase but they are being dismissive of my eagerness to provide physical evidence to prove I could not of made the purchase in person as they say it was. I was told to file a police report in order to support my case which I intend on doing as I see this purchase and how Chase is treating it to be utterly untrue and disrespectful to myself as a consumer. 

I am not in a position financially to spend thousands on clothing, as I new homeowner I was also put through the XXXX  of this charge appearing again while my mortgage was in underwriting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and  certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in  accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal  responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/21, I opened a new checking account with Citibank through a link that had a welcome bonus promotion attached to it. I deposited the required amount of {$3000.00} into the account and have kept the account open ever since. I reached out to via chat on XX/XX/21 because I noticed that I still had not received my {$200.00} welcome bonus. When I spoke to their representative, they assured me that I had qualified for the bonus and that I should not need to wait past XX/XX/21 to receive it. Now it is XX/XX/21 and I still have not received my {$200.00} bonus. I reached out for chat support and was now told that there is no such offer attached to 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 monetary relief
Consumer complaint received 2019-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one just restricted my SECURED CREDIT CARD for no VALID reason. 
I have never been latew with payments in over a year since i opened the account with a secured deposit of {$100.00} and was given a credit limit of {$200.00} that later on they increased without me asking for it to {$500.00} for a week and a half later restricted it for no explaination as every time i called they claimed that they cant provided me with details of they desicion. 
the card in refence is XXXX Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 contacted XXXX and sent multiple disputes regarding these unauthorize inquiries and i keep getting a general answer and they won't provide method of investigation and verification for these unauthorized items on my report. i want these items deleted because they are not authorized. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX HSBC BANK XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation