BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Collection Management Holdings, LLC
State: TX
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 following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Acct # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts opened in my name where not made by me Accounts : XXXX XXXX- XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX- XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, NFCU took out money from our joint account without authorization. When asked what happened, it was in regards to an credit card that was charged off that we didnt get any notifications of pertaining to it being charged of. So upon calling to settle. We agreed to settling the amount but instead of returning the full XXXX that they took off they only returned a portion and kept XXXX. We were given no choice but to agree even if we explained the hardship. This didnt end here. On XX/XX/2022. Once again they took money from our joint account without any authorization or notification. They took out XXXX. And left us with absolutely nothing. We begged them and pleaded for them to give back our money, as this was for our mortgage payment. After settling the second charge off for another credit card, once again they decided to only return half which is XXXX of the XXXX. They had no remorse on doing so, but instead questioned us on our activities in the accountwhich now got very personal. After explaining confidential information for them to consider returning money they they werent authorized to take since there were no notifications or warnings pertaining to these charged off credit cards, they pretty much told us we have no choice but to agree with the settlement. There were no negotiations. Only their side was considered and not our circumstances. The manager even stated that we should be thanking them for even giving back half. These were my debts. And the account was under my spouse but when I acquired these debts we werent married yet. And now shes suffering because navy fed is neglecting to follow the rules of communicating properly and doing unauthorized adjustments on our account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Radius Global Solutions LLC
State: GA
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:
RADIUS GLOBAL SOLUTIONS is communicating a debt without my consent, expressed permission from a court of competent jurisdiction, or verification pursuant to 15 USC 1692g. See Attached.

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 2019-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
I have requested an increase to my credit limit multiple times and have not had it adjusted even though I have a high credit score, use my card regularly and have paid off my balances in full and on-time ( early in fact! ) through the life of the card, as well as having a consistent full-time job with yearly increases of my salary. In fact, while over a five year period my salary has increased by $ XXXX, while my credit limit has only increased by about $ 4k. It's starting to affect my buying power and credit score because I don't have enough credit to make the purchases I need and can afford. 

For over a year I have been denied increases with opaque reasons like " there has recently been a charge on this account '' and " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' When I call customer service they are unable to provide any guidance on why I am being denied and have agreed that I seem like a good candidate for increases, but there's nothing they can do because it's based on an algorithm. So to boil it down, Capital One can not tell me why their algorithm won't increase my credit limit ( when other credit cards have doubled my limit compared to Capital One ) and couldn't provide proof that the algorithm was mistaken, faulty or biased. They also couldn't assure me that a person would look over the account to ensure the algorithm is working correctly. The XXXX XXXX was recently shown to have an illegal gender bias and I can't help but wonder if that's what's happening to me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed for unemployment benefits with CA EDD in XXXX and had been unsuccessfully trying to get ahold of a live person for 8 months before returning to work and giving up completely. Then once I was laid off again due to Covid, I attempted to contact EDD in order to discuss my claim and why I was able to certify but had never received a payment. At the end of XX/XX/XXXX I finally reached someone at EDD who explained to me that all of my payments had been issued to my Bank of America account... 
An account that I didnt know I had, with a debit card Id never received. I contacted Bank of America immediately to find out how to access MY funds. Just to be told that my account had been depleted and there was no money. BoA sent out 4 cards to an address where I do not even live. I never received a card nor did I have knowledge of an account with BofA. A claim was filed and I was told Id be notified by mail the outcome of an investigation. My claim was denied a few days later with the basis that some of the charges were over 365 days old therefor Im responsible for all of the charges. HOW IS THIS POSSIBLE?! I had NO knowledge of this account so how can I be responsible for it? How is it possible for b of a to tell me I am responsible for money I never even received and then refuse to give me back the money that is rightfully mine and stolen by someone. If Bank of America did their investigation properly then they would know that NONE of those charges made on debit cards they sent to the WRONG address, were made by me. I was never issued a provisional credit during the investigation and the reasoning of because the charges were made over 365 days ago being why Im denied MY MONEY, is unfair and misused considering I was NEVER AWARE I even had money in an account with them. And what about the visa zero liability policy? There are 4 claim numbers total. 

- 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 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED 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 2022-09-06
Company: AMERICAN EXPRESS COMPANY
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:
Dear Sir or Madam : Identity theft has happened to me, and my personal financial information has been used without my permission or knowledge to get credit, products, or services on the account above. I want you to get in touch with me and tell me that I am no longer responsible for this debt and that the credit bureaus and collection agencies should know this. Thank you ahead of time for giving this issue some thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Identity Theft. I filed the proper information, printed out the entire FTC Identity Theft Report with affidavit. Everything was removed from my credit report of all 3 bureaus except one item on XXXX from Progressive Management Systems. They intentionally falsified the paperwork they sent in regards to my immediate reply to their request for the FTC report & copies of ID/SSN card. I called, they apologized and sid they'd remove it immediately and still haven't sent the removal request to XXXX. Their paperwork also states their license is still pending. Is there a legal time limit they're allowed after it's been proven and sent certified to them -- that they're responsible for submitting immediate removal from my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX XXXXk XXXX {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.

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 2017-06-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am the parent who took out this  XXXX   XXXX   ( Navient ) p rivate loan for my daughter. They listed student without income as co-signor. They have been promising to remove her and have not done it. Now they want to run a credit check on me to see if I qualify to have her removed. This is ridiculous and unfair to me as the consumer. Please add this to your list of complaints and make part of the current lawsuit. On  XXXX / XXXX /   17  I will submitted the cosignor removal form and proof of my income. A total invasion of my privacy when the student should HAVE NEVER been listed as a co-signor.   XXXX  This bad practice almost cost my daughter the ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ability Recovery Services has never sent anything communicating with me. They have violated the FCRA/TDCPA by not providing me with the opportunity to dispute this information I am not able to request debt validation from them. This has been disputed with the CRA 's and is negatively affecting 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 2019-12-01
Company: Experian Information Solutions Inc.
State: MN
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:
ATTACHED TO THIS COMPLAINT IS A ID THEFT POLICE REPORT. There is a inquiry on my credit report that I don't have an account with, nor authorized to pull my credit file, as I do have a fraud alert on my Experian file. I did not authorize this inquiry. The inquiry is by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Contact : ( XXXX ) XXXX '' dated XX/XX/2019.

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 2017-06-19
Company: SYNCHRONY FINANCIAL
State: IN
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 mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  XXXX  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  XXXX , saying the inquiry was as a result of an application from  XXXX   XXXX ,  XXXX , which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report and they failed to do so.

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 2022-09-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my account was fraudulently used an atm withdrawal was done XXXX miles from where i live, i contacted chime i was told to call back when the transaction posted over XXXX to file the dispute on XX/XX/XXXX, i submitted copies of police report that same night chime sends email stating that there was no mistake and they closed the dispute how can this be they didnt even bother contacting the location were it happened, if they check the camaras they will see it wasnt me, hoping chime does the correct thing reimbursing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Skopos Financial, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a loan through Springlight Financial and called XX/XX/22 to set up a paymet arrangement for XX/XX/22. I was advised it was outside the parameters for payment arrangements but to call back the next day and it would be within. I called back XX/XX/22 and setup a payment arrangement for XX/XX/22. I was called XX/XX/22 by Springlight Financial and explained I had a payment arrangement on file for XX/XX/22. I was advised by the rep he couldnt honor that and the calls and collection efforts would continue. I explained it was a right party contact and calling me again within 2 business days would be a violation of TCPA regs. He called from a XXXX area code. On XX/XX/22 the very next business day I was called 3 times and on the third call I picked up and it was the same rep from the day before. I advised him his company was breaking right party XXXX violations and asked to speak to a manager. He called from a XXXX area code. Unless he moved in one day that seems like deceptive call practices. I was on hold waiting for a manager for 18 minutes before the call dropped. I was then called by XXXX area code and it was the manager. She was in the same location as the rep but I was called by 3 different area codes. I explained the TCPA violations and the right party issues and the auto dial system should have been pushed since a payment arrangement was on file for XX/XX/22. I do collections compliance and fully understand how autodial systems work. Right party and TCPA laws. Deceptive call tactics like calling from 3 different area codes from the same location. Each violation is {$1000.00} fine

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 2019-08-06
Company: EQUIFAX, INC.
State: TX
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:
I believe the reporting bureaus are in collusion and are treating people very unfairly that is damaging their credit. I have a lot on my credit and it is very old over 10 years I took out this loan over 5 years ago and made every single payment. I just paid the last payment of this car loan and the bank closed the account. These bureaus drop my credit -27 points for that even tho I have plenty of other accounts all in good standings. It is criminal what these bureaus are doing to people and it needs to be regulated and stopped. I cant even go get a new car now because the interest will be extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: DE
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:
I sent a certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all reporting agencies delete the entry. As of XX/XX/XXXX, this will be 5 months with no response.

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 2019-08-06
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am writing because my wife has been receiving phone calls from Hunter Warfield, a debt collection agency, regarding a debt we owe through XXXX XXXX for a lease at an apartment we were staying at until XX/XX/XXXX. We moved to XXXX  XXXX from XXXX  in XXXX and I notified the management company we would be moving to XXXX   XXXX at that time as I was relocating for school and work. They did tell me that I may end up paying the remainder of the rent for the lease so that is fine. What isn't fine is that the lady, named XXXX, from Hunter Warfield has been calling and threatening that XXXX will sue us if we don't pay soon. I didn't think she could make that claim on behalf of XXXX since she works for Hunter Warfield and claims XXXX still owns the debt. We tried to offer several payment plans, including {$150.00} dollars for roughly 16 months which would clear the debt but they claim this isn't sufficient enough. She then claimed that if we get a judgement against us, they can come after our financial aid as we are both in school currently. Then towards the end of the last conversation, my wife gave XXXX my phone number as I am more versed in consumer rights and protections and XXXX began asking invasive questions regarding whether I lived with my wife or not, if I wasn't in the picture and why my wife and I " don't discuss are finances ''. I took that as very personally harassing. The recent calls from XXXX were on XX/XX/XXXX at XXXX XXXX EST and XX/XX/XXXX at XXXX XXXX EST.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation