BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I deposited my retirement annuity check from XXXX into my Capital One bank account. It was verified by their legal department on XX/XX/XXXX to be a valid, good check and the funds were released to me. I paid bills, one of them was my Walmart credit card. I only have a {$200.00} limit on the card so I paid it in full, XXXX. Normally Capital One releases funds to credit cards as soon as a payment is made or posted. This transaction cleared on XX/XX/XXXX but Capital One still has not posted it to my account or allowed me to use the card. Their excuse is this is " unusual '' activity for me. Well actually it isn't, I have done this before. When I have extra money this is what I use it for. But not only did they place a hold on the account for no justifiable reason they are reporting that the card was denied because I was over my credit limit. No, I wasn't, this is a lie. The money is there, they have it, they just are apparently playing XXXX with it or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business banking account at Chase for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX as XXXX XXXX XXXXXXXX XXXX XXXX XXXX Although, I followed all regulations when establishing the account, the bank sent me a letter in XX/XX/2022 asking for copies of documents. I went to the bank in person on XX/XX/2022 and supplies all copies of articles of incorporation, IDs etc. 

Yet Chase froze my account on XX/XX/XXXX and XXXX, causing disruption to my business. Several insurance companies and XXXX suspending me from their electronic payment system. My long term care insurance premium which is set up on automatic pay .... was rejected. 

Although, my account is now unfrozen, Chase refused to take any responsibility for the harm done to my solo medical practice. As a XXXX, female business owner, I shudder to think if this is how I was treated ... how many other XXXX owned business are suffering. 

Multiple phone calls to Chase representative XXXX at XXXX ext XXXX have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I discover fraud on my account XX/XX/XXXX, for XXXX when the person who purchased our condo received mail from us and accidentally opened the letter to discover a returned check from our XXXX then another XXXX was taken out of our XXXX account and then sent to XXXX. What we were able to intercept both those charges and stop them. In doing my taxes this week. I discovered that in XX/XX/XXXX that once again XXXX took {$5000.00} of our money in XXXX unauthorized contributions from our XXXX account. A separate deposit, XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX each for {$2500.00}. I called him right away and they gave me the runaround I was on hold for XXXX XXXX hours back-and-forth finally it turns out that theyre holding {$2000.00} of my money as of yesterday they had lock down the money and lock my account they never sent me any statements and never notified me that they were holding {$2000.00} and when the risk XXXX and I were working on the fraud case on XX/XX/XXXX, the risk officer never went back to XXXX to see that more fraud had taken place for the XXXX  {$5000.00}. This is absolutely unacceptable that our account was hacked in this way, More over, I have the fraudulent check made out to a XXXX XXXX in XXXX XXXX only because they messed up the address and it was returned that is the check was returned to my old address of which I am holding. A police report was filed by today it seems like nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am making this complaint about what I believe to be unfair banking practices that is causing my account to be over drafted so that they can charge ridiculous fees. I have reached out to Simmons Bank on several occasions regarding this and they are very nonchalant and unwilling to help. I have been banking with them since XXXX and since then I have noticed a significant change in how they process debit transactions. They used to come out of the account immediately or at least one business day later. Now, they hold transactions for 7 or more days in order to make accounts go in the negative so they can charge fees. This unfair and illegal practice became very prominent in XXXX when the pandemic started. 

Just recently, I made an XXXX purchase on XX/XX/XXXX. They did not settle or debit the money until XX/XX/XXXX, but it showed pending until XX/XX/XXXX. This happens often where they change the dates to show it settled but it wasn't posted like that. 

Since they held that transaction and waited to post it when they knew it would cause an over drafted, my account when into the negative and they charged {$36.00} fees on transactions. Two of those fees were assessed to a {$0.00} transaction and a {$1.00} transaction. This is one example of the same exact situation that has happened over several months. 

As stated, I have tried before to get them to resolve this issue but to no avail. I know they changed their posting practices, but as a customer, I am at a loss as to how I recoup the money I feel they have stolen from me with these fees and unfair practices.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Credit Reporting Agencies, XXXX, XXXX and Transuion ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; & XXXX XXXX XXXX XXXX ; & XXXXXXXX XXXX XXXXXXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. 

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have never lived at the address reported on my Equifax report XXXX XXXX XXXX XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. 
By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. 
I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all XXXX credit bureaus trying to get negative inquiries removed, and all XXXX were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. 
Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was Experian that I have an addiction and am getting help in therapy. Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.

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 2022-06-13
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2018-02-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent is attempting to collect on a debt, however they have presented no written agreement or contract with my wet ink signature proving that I contracted with them and that I owe said debt.

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 2021-02-02
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2020 company reported me late on my consumer file pursuant to 15 USC 1692e ( 2 ) ( A ) The false representation of ) the character, amount, or legal status of any debt ; or is a federal violation I contacted them multiples times regarding this matter As a consumer and the original creditor which i extend myself credit from my social security card which is my credit card pursuant to 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Midland Credit Management is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Us Dept of Education is reporting an collection to my credit report. However I should have no collections with them as my accounts were in forbearance. This is in violation and there should not be a collection on 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 2020-01-07
Company: ASG Solutions LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voice mail from " XXXX '' from XXXX XXXX XXXX. Indicated that there is pending litigation and indicated they checked the DMV and they knew I had a car insured and registered to my home address and that I would be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Original creditor continues to sell collection included in a XX/XX/XXXX chapter XXXX discharged bankruptcy. The new open collection has been removed in the past and returned under a new company. The collection is from XXXX XXXX and should be deleted and not appear as an open collection,. I disputed with XXXX and status remains open and states consumer disagrees it should not be open. Creditor needs to close or delete collection per BK law or be fined.

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 2020-01-07
Company: LEXISNEXIS
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: Account information incorrect

Complaint:
I wrote a letter to LexisNexis in regards to wrong unverifiable information on my C. L. U. E auto report ( not at fault accident XX/XX/2018. ) I asked them to remove this information. I also asked them to freeze my account which they have, but never respond to my dispute. I know due to the F. C. R. A. They have 30 days to respond.. They have only responded to the security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
US DEPT ED # XXXX has violated my rights. 
and US DEPT ED # XXXX has violated my rights. 
Reported Twice! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2018-12-03
Company: NCC Business Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
About two months ago, NCC Business XXXX called to collect a debt from XXXX ( a rental company ). I asked NCC Business XXXX  for their XXXX  XXXX number and they told me they would call back. 

Today, XX/XX/XXXX, I had two conversations with them, they assured me that debt was not for damage, but for utilities. I asked them for their XXXX number, they would not give the number. The supervisor claimed that NCC complies with all local regulations.

I accessed the XXXX XXXX XXXX and printed out their XXXX number which was revoked on XX/XX/XXXX. I called back and informed them of this fact. This was on a recorded line on my side

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation