BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A safe deposit box fee of {$100.00} was charged to my checking account on XX/XX/XXXX. I did not authorize the charge and was previously told in XXXX by a bank officer that there would be no charge for this box since I was grandfathered in as a free safe deposit box rental for more than 20 years. At the time I agreed to rent another larger box for an annual fee of {$130.00} which was charged to my checking account in XX/XX/XXXX. If not for the promised free rental for the smaller box, I would have cancelled and closed it at that time in XXXX. 

The bank claims a notice was sent in XX/XX/XXXX that the free box would now be subject to an annual charge. I do not recall seeing the notice and would have no reason to even look for one since I was promised the smaller box would remain free. 
As soon as the charge appeared, I closed the box and requested a credit to my checking account, but the bank refused, even though there was 11 months remaining on the rental. The bank said they did not have the ability to credit back the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 a payment was made on my auto loan with Ally Financial. The payment was for the XXXX payment. I explained the payment was being made on XX/XX/XXXX because of my familys contract of XXXX. The representative for the company assured me the payment would not be reported 30 days late to the credit bureau because we are in the process of buying a new house. On XX/XX/XXXX I was notified that the payment from XXXX was marked 30 days late. I have spoken with an agent now 3 times and have been promised each time that a billing supervisor will be calling me back within 24 hours to remove the late payment once they listen to the recording of my original call. It has now been over a week and I can not get a billing supervisor on the phone and nobody has called me back. I need the late removed because I can not get a home loan now and I was promised by the original agent that there would not be a 30 day 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 explanation
Consumer complaint received 2016-05-13
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Collection agency is reporting to the credit bureaus as an open mortgage account. This is not an open mortgage account, they purchased a XXXX lien on a foreclosed property over 7 years ago. They are a collection agency and should be reporting as a collection not as an open mortgage account. Also date of last activity with original creditor is well over 7 years. Tried to dispute through the credit bureaus but they still will not fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Cometity bank closed a store card with XXXX XXXX XXXX for inactivity without notifying me. I did not want this card closed and inactivity timelines are not spelled out in the original agreements. I kept a XXXX  balance on this card in order to allow me to buy a wedding dress for my XXXX daughter when the time came. Closing the account adversely affects my credit and to do so with no notification what so ever is wrong on many levels. Since terms and property notification for cards out outlines in the 2010 consumer card act I believe not notifying me of closure of my account for inactivity violates said act. 

I plan on exploring legal options regarding this lack of property notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Kinum, Inc., Indianapolis, IN Branch
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They called me and I asked how to dispute this because my insurance was billed incorrectly and I was told that I signed something with them to pay it and I HAVE TO PAY IT and ask to be refunded. There was no option of figuring out how to dispute it or go back I was told that I signed something ( I did not and received no notice of collections ) and that I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I told them I did not live at that address but they put it on my credit report so I disputed it.   It was removed but put back on After the 7 year statutory period. I have Never lived at  XXXX   XXXX   XXXX ,  XXXX , Ny  XXXX !

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX,2016 I received correspondence from this company stating a debt was owed. The letter is dated XXXX/XXXX/2016. The letter states it is attempting to collect a debt on behalf of XXXX XXXX but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than XXXX and I will be escalating to the XXXX and XXXX! For XXXX, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself is dated/mailed XXXX/XXXX/16 I was given less than 30 days to dispute or validate said debt. I was never given a final bill or breakdown as to the cause of this debt. On XXXX/XXXX/16 I sent an email stating I had no knowledge of this debt but if it could be verified I would be willing to set up a payment plan on reference to not having it placed on my report per the letter they sent me stating this as an option. However today I woke up and found that instead of a response to my email or allowing the allotted 30 days from contact to dispute they went ahead and placed this on my report anyways. I will be contacting an attorney if this is n't settled correctly. This is clear violation of rights! I have attached their letter, my email and my credit report reflecting the negative acct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I linked an external account to capital one saving account on XXXX and initiated a pull of {$100000.00} money from the external account ( XXXX XXXX XXXX ) to capital one. 
Then the fund was put on hold and I was asked by Capital one to do a XXXX way phone call with XXXX XXXX XXXXXXXX on XXXX. 

During the process the capital one specialist was in a rush to conclude that my account can not be verified resulted in my capital one account being restricted while the fund was still transferring into capital one. 

The XXXX XXXX XXXXXXXX account I linked with is a brokerage account where the account number capital one want to verify is associated with that brokerage account. But the capital one specialist conclude in rush that the XXXX XXXX  XXXX brokerage account can not be verified because the account name is not the account number and terminated banking relationship without me explain further. 

What is even worse is capital one still process the transfer and I can see the money being withdraw from my XXXX XXXX XXXXXXXX account even capital one said they terminated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: LA
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:
See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have been emailed several times about payments and payment arrangements from these companies. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form XXXX you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: VA
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:
I have been disputing multiple accounts on my credit report and I haven't seen any responses from Experian or XXXX. It almost seems like they're not taking anything serious currently. I would just simply like them to remove these accounts that are not mine. It is going on six months of no responses from this, I will attach all my letters to this complaint to prove my struggles with them. I'm just trying to move forward with my life and these accounts are hindering me from getting a new home and new job opportunities.

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 2020-03-09
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe this debt due to I do not have a binding contract with this company bearing my signature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  as not updated my XXXX  XXXX credit card balance ending in XXXX and XXXX XXXX balance must be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Experian Information Solutions 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:
To who m it may concerns, I have  XXXX  public judgments on my credit report that have been satisfied and release but Experian h as refused to remove them from my credit report.   I have called them in vain. I have also disputed these  XXXX  public judgments in vain. I have provided all documents and it is still not removed. These  XXXX  judgments have also been on my credit report for more than 7 years showing release and satisfied but still not removed from my credit report.   Here are the reference #  XXXX  and reference #  XXXX .     There are also others collection accounts collection that have been satisfied with a  XXXX  balance that are just sitting there and not being deleted. Some of them were even deleted before and added back. I can not get any help from Experian and this is now affecting me financially.

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 2023-03-29
Company: Experian Information Solutions 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:
I have disputed accounts with Experian several times over the last year alone and I get the same answer every time. They're verified as accurate. That is absolutely completely untrue, especially when I have called them, I have talked to the fraud department, I have sent them information identity theft reports to them as well as the creditors in question and I get nothing resolved. They refuse to do anything about it. I am about to call an attorney and file the lawsuit. This is absolutely ridiculous. They should not dictate what they will and will not do with information that is mine. Especially if it's wrong, I have the right to dispute it. In addition, I have a collection account on my credit report from Experian that is not mine. I have no idea where it came from. The creditor or collection agency in question. Never contacted me. Never sent me a letter and has XXXX information on me or this so-called account but yet Experian said it's accurate. It is absolutely not accurate and they won't dispute it again. This is again. Absolutely ridiculous. It needs to change. I want it resolved. I want it removed or I'm going to sue.

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 2016-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am filing a complaint against Experian because I am unable to remove the Security Freeze, from my credit report, I have try in the pass years on Experian website with my personal identification number to remove the Security Freeze, and attempted to pay the fee with my debit card and system was unable to process my request. I was told by the website system to provided document to prove my identity and I may send the requested documents by mail or upload to the link that was provided. I have upload the required document ( s ) to assist Experian to resolve my problem, and the system still denying me. I call the corporate office at Experian at the XXXX XXXX XXXX XXXX and I was told that some consumers experience the same error when uploading document, and some the document are received despite the error. I was then transfer to another representative who can check and see if the documents was received. When I was transferred to XXXX in consumer services, I explain what was going on, I then asked to speak to a supervisor because he was not helpful, I kept asking him are you denying me to speak to a supervisor, he kept repeating " can I ask you why you need to speak to a supervisor '', I became frustrated and hung up the phone. I call back and I was transfer to a supervisor where I was on hold for 45 minute and I hung up. I have attached copies of documents that was uploaded to Experian website along with a letter to Experian. 


Thanks 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 2016-05-16
Company: CASHCALL, INC.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX has called both cell phone and office phone twice over a debt I received relief from in bankruptcy. The have told me they were a fraud department and arrest was going to happen in XXXX days. The first time I spoke with them I explained that they were in violation of bankruptcy laws. They said they would remove my record. Less than a month later they have made harassing calls again. The number they are calling from is XXXX. It was only after I refuse to give them any personal information did they finally tell me what debt they were after.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CASHCALL, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XX/XX/2016, at or about XXXX hrs CST, I received a call from an unidentified male claiming to be employed by XXXX, the number called from is XXXX. The caller said he was calling " in relation to a breach of contract in the amount of {$1700.00} with cash call USA. '' He said if I did not pay immediately, XXXX would take me to court, get a judgment against me, and then have me " jailed '' if I did not pay. It was then he asked for me by name, the only information I would confirm. Most of his information on me is VERY outdated. When I insisted upon them mailing me proof of this debt, the male caller began insulting me, using foul language, resorting to name calling, and actually at one point threatened me with physical harm if I did not pay him. 

I explained to the caller that I am XXXX, low income, that my income is derived from XXXX benefits, and that my state laws do not allow a judgment to be paid from that. He threatened agin to have me jailed if I do n't pay, and claimed to " know many ways of getting around the law to get what is owed. '' I explained that I would be documenting and reporting the call. This apparently upset him even more, though I doubt I would be allowed to post here what exactly he said. I told him to please not call me again without sending by mail proof of the alleged debt. He said he will be calling me every day " if for no other reason than to make my [ stream of foul language ], miserable '' until I paid. 

I wished him good luck with that, said goodbye, and terminated the call. An immediate internet search lists many pages about this company ( IRP ), with many reporting this is likely a scam. 

The alleged debt holder " CashcallUSA '' is an internet " payday loan '' business known to me. They alleged several years ago that I borrowed money from them in such a way, on a date and time, from a location, and in such a manner that makes this impossible. That business has already been furnished with evidence to that effect ( employer documentation, Driver 's Daily Log book entries to that effect, and various statements from those proving I could not have been the one they claimed borrowed money from them. I have also informed them of who might have stolen my personal information to take out such a loan who was in fact in the location on the date and time they claimed. That individual is a suspect in another identity theft issue involving the IRS and law enforcement ( reports filed ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CCS Financial Services, Inc.
State: NY
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:
account open : XX/XX/2022 company : Credit Collection Service amount supposedly owed : XXXX dispute with transunion company stated information was accurate i am a victim of fraud

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