BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Where does XXXX XXXX XXXXXXXX XXXX XXXX get permission to report public information on my consumer report who gave XXXX authority to collect my information and then sell it? Please provide authenticated and signed documentation showing that they received permission/ consent to report this on my consumer report please also provide verification of such alleged debt if you can not provide so delete the account from my consumer reports it is an unfair and deceptive acts and practices to report on the consumer behalf without their consent and permissible 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 2022-02-25
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They debt was disputed twice sent letters to the company asking to validate debt asking to show proof of services rendered and yet have to receive anything. Called several times and no one seems to care or look at the dispute. One representative will say we are still looking at it and the next said we sent you something already within the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told them they are calling the wrong number repeatedly. They keep stating they have the right number stating I owe for a loan. I do not drive, nor do I take out loans. They keep finding new numbers to call from. This is beyond harassment. Not only that but the most recent calls they just stay on the phone. They don't know this but I have caller ID so I know its them. I've also had times they would not get off the line. We need our line to be open since more than one person in our household has serious health issues and they could turn deadly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/22, I received an Email offer from Citi which states " Earn {$20.00} back on your Citi Card with XXXX. '' I did have 3 purchases using XXXX and each of the transactions is {$470.00} on XX/XX/22. However, until now I still have not seen this {$20.00} credit yet. I tried to call the customer service line but it seems they even do not know the offer and they decline to honor the offer.

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 2022-11-19
Company: BlockFi Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account on Blockfi and they have paused withdrawals. I made attempts to withdrawal XXXX on XX/XX/XXXX and the date of delivery is set for XX/XX/XXXX however I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: IL
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 sent a Letter on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a new complaint in that now American Express is ILLEGALLY, FRAUDULENTLY, and UNETHICALLY charging me interest on an American Express credit card that I followed ALL the required procedures to COMPLETELY/ENTIRELY close out more than 2 months ago!!! They are doing to retaliate against me because, in the XXXX consecutive years I had a credit card in COMPLETELY good standing with them, I NEVER ONCE had to pay them XXXX cent of interest because I completely and timely paid my ENTIRE undisputed balance EVERY month!!! As we all know, they hate those card holders. I do not now owe them XXXX cent of interest and they KNOW IT!!! I am NOT paying their fraudulent, unethical and illegal interest they keep trying to charge me, especially NOT on a CLOSED ACCOUNT!!! 

Even after being with them for approximately XXXX consecutive years, during which they earned thousands of dollars of " float '' from my charges onto my American Express card ( which is why credit cards exist!!! ), American Express fraudulently charged me interest while they were " investigating '' charges that I had properly ( exactly following THEIR procedures ) put into dispute status over the last approximately 9 months. Despite my detailing this to them in numerous phone calls over that 9 month period, they kept fraudulently adding/accruing/compounding interest EVERY month!!! 

So, I had no choice but to entirely close out that American Express credit card about 2 months ago. Now American Express has the AUDACITY to continue trying to FRAUDULENTLY and ILLEGALLY charge/accrue/compound interest on an ENTIRELY-CLOSED-OUT credit card account!!! What scammers!!! XXXX XXXX XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: CA
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, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. I previously sent a dispute letter addressed to the Credit Bureaus last XX/XX/XXXX and have submitted a CFPB Complaint on XX/XX/XXXX, I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I submitted. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
Sometime in XXXX - XX/XX/XXXX - I entered an agreement with American Express one of their affiliates and/or a representative authorized to collect a debt on their behalf. The agreement required me to pay {$530.00} ( 60 % ) of the outstanding balance of {$810.00} owed on account ending XXXX. 

American Express representative took payment information " check by phone '' and assured me that American Express would notify major credit bureaus ; XXXX, XXXX  and XXXX  that this particular account has been settled as paid in full. The check # XXXX was remitted over the phone for {$530.00}, reviewed and confirmed. The payment cleared my bank account and electronically transferred to " Account XXXX AMEX Escrow ITF Account ''. My checking account was reduced by this amount, {$530.00}. 

I requested multiple investigations with the above mentioned credit bureaus, some on XX/XX/XXXX, XX/XX/XXXX and later. A few more as recently as XX/XX/XXXX because American Express has fraudulently reported the entire balance of {$810.00} as outstanding in spite of our agreement. It had been my understanding that American Express, its collection employees/affiliates and/or third parties were acting in good faith when they entered an agreement with me on XX/XX/XXXX. Furthermore, it was my understanding that American Express would honor their agreement. 

As of XX/XX/XXXX, I can see two of the credit bureaus - XXXX and XXXX  - reporting a balance for this account ending in an amount of {$810.00} in spite of our agreement. 

I feel violated and taken advantage of by this company. I also feel that the company used an " offer '' to entice me into making a payment with no intent to report accurate information to the major credit bureaus as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: MN
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 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX XXXX : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear XXXX Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report : Creditor Name & the account : XXXX I would like to see my payment history this account. Can you please send it to me. I paid off i have a XXXX  balance. please look all 3 credit bureaus with different reporting this needs to be remove from my file and the credit bureaus it not reporting not accurately I wait your response, Thank you.

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 2020-06-02
Company: Social Finance, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicer : Sofi Lending Issue : Servicer is refusing to release required funds from escrow to cover mandatory homeowners insurance premium. Lender has been provided all insurance information and information has been verified with the lender. They have stated they will hold funds because their system doesn't reflect a payment due although all invoices and documents have been provided by myself and the company. Receipt of documents have been verified by the lender. The lender has excessive escrow balances and should be making payment as required but due to some sort of issue within the organization, they have not. I have attempted to rectify from XX/XX/2020 to present XX/XX/2020 including emails and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is their email to me : You have a pending bill due for payment. 

Loan Company : Check n Go Account Number : XXXX Due Amount : {$1300.00} XXXX, XXXX are disappointed that you have not taken the initiative to make reasonable arrangements to resolve your delinquent balance. If we do not receive payment in full of the entire delinquent balance by XX/XX/XXXX, Regrettably, we are forced to send our collection team at your billing address, due to your failure to pay the {$1300.00}. 

On XX/XX/XXXX, legal representatives of our company along with the collection team will arrive at your home at XXXX A.M. in regards to the unpaid loan account. 

We had hoped to avoid this extreme action by offering you flexible credit options to lessen the difficulty you face making payments. However, your unwillingness to cooperate with our billing department has left us no choice. 

If you wish to avoid this situation then kindly get back to us to discuss one time settlement or payment arrangement as per your convenience. 

If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit payment for {$1300.00} or contact us to discuss reasonable arrangements to do so. 


Warm Regards, XXXX XXXX XXXX Department Check n Go Copyright XXXX Check 'n Go | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at about XXXX PST, we attempted to buy concert tickets in the amount of {$100.00} through a XXXX party vendor. The payment was made via XXXX, which is used to transfer money between XXXX parties. This mode of transfer is accepted through the major financial institutions which will usually protect their consumers from theft/fraud. We asked the seller of the tickets for proof that the tickets were real and they sent us an image verifying their authenticity but required payment prior to sending the tickets. We sent the payment, assuming that the bank would provide us some sort of protection if something occurred. Unfortunately, the tickets were not sent and the seller would not answer any attempts of communication. We then called Wells Fargo to see if they would reverse the transaction but they said that since we authorized the transaction that it could not be cancelled or reversed. We feel that XXXX is very misleading because it does not advertise that it should only be used with friends and family and yet it is being supported by the major banking institutions that give you a false sense of security.

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 2023-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This description is an amendment to complaint XXXX. The case was incorrectly closed. The responding bank USAA responded to my complaint but did not resolve it, despite my twice following up per their instructions in order to remedy the matter. In addition to the information already contained within complaint XXXX, I submit the following : On XX/XX/2022, I filed an XXXX complaint and generated case # XXXX. 
In response to the complaint, on XX/XX/XXXX I received a phone call from USAA representative XXXX XXXX who identified herself as calling from the CEOs office. XXXX XXXX explained that in order to attempt to resolve the matter described in case # XXXX, USAA required a letter of indemnity from the sending bank XXXX. I spoke with XXXX XXXX  which agreed to send a letter of indemnity but advised that they required a formal request from USAA to do so. I left two messages for XXXX XXXX at USAA on XX/XX/XXXX and XX/XX/2022 explaining next steps. I received no response to either message. No request for a letter of indemnity has been made by USAA to XXXX and the matter remains unresolved due to USAAs inaction. USAA has to date made no effort to retrieve the funds from the wrong recipient. I am asking that USAA submit a formal request to XXXX for a letter of indemnity to seek resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I checked my consumer report and noticed a collection from a company I never contracted with nor have i extended any credit with or done any business with at all. They are claiming I owe an alleged debt that I do not owe. I am fully aware that my consumer rights have be violated under the FCRA and FDCPA and would like all information be removed from the consumer reporting agencies and cease all communication and attempts to collect alleged 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 2023-08-31
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To Whom It May Concern, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that there might have been a misunderstanding or an error leading to this unfortunate decision. 

First and foremost, I wish to emphasize that I have always been committed to upholding PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. It has come as a shock to me to discover the restriction on my account, as I have been a dedicated PayPal user, valuing the services it provides. 

I kindly request that you consider re-investigating my case thoroughly. I am confident that a closer examination will reveal that there has been some mistake in labeling my account as in violation of PayPal 's policies. The limitation has caused a significant disruption to my online transactions and financial activities. 

I understand that PayPal has a responsibility to ensure the security and integrity of its platform. However, I sincerely believe that my account has been unjustly penalized. I would greatly appreciate the opportunity for a fresh review, providing any necessary documentation to support my case. 

In conclusion, I implore PayPal to carefully reconsider the decision to permanently limit my account. I believe in the fairness of your processes and remain hopeful that this matter can be resolved in an equitable manner. Restoring my account would not only alleviate the inconvenience I am currently facing but also reaffirm my trust in PayPal as a service. 

Thank you for taking the time to read and consider my appeal. I eagerly await your response and remain open to providing any further information that might aid in the review process. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation