BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have contacted USAA about 2 separate accounts opened in my name by someone else on three separate occasions attempting to just pay it off.They " can not verify '' my identity to allow me to make a payment. If you can not verify my identity to pay you then you shouldn't be able to verify the debt belongs on my credit report. I have tried to pay these accounts three times to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Glasser and Glasser, PLC
State: CA
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:
This company violated the following Try to collect charges in addition to the debt Communicate with you about a debt by postcard This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. 

This company violated the following : Misrepresentations about the debt, including the amount owed Falsely claiming that the person contacting you is an attorney Threats to have you arrested Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. 
A debt collector is also not allowed to harass you. In addition, there are state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made multiple attempts to have theses items removed, I have made several calls and written letters and this is still goes unresolved. I have this false information listed on my report the following address XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. These following accounts XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
ordered a XXXX return pallet it never came made a complaint thru the bank and they said they spoke with the company and they gave them a tracking number but I ordered a large pallet their discription of the package was light it was supposed to be a whole pallet of XXXX electronic returns. I feel like if I make a complaint with my bank about fraudulent practices the company should not be able to make up false documents I was looking for pallet that never came I am home all the time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Blackhawk Network Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/23, I purchased several Blackhawk Network ( BHN XXXX XXXX XXXX XXXX  gift cards to use to purchase goods and services in stores. Since that date, I have been unable to use the cards because every time I use the card for the full value, the card gets declined.

It appears that BHN is imposing some sort of arbitrary limit on using the full value of the cards, paritcularly when ran as debit. i.e., if I use a card to run a transaction for {$480.00}, it seems to go through. However, if I run a transaction for the full {$500.00}, it declines. 

This situation has happened at multiple stores, including in-person and online. This situation has also happened to other individuals across the country, so it seems to be pervasive. 

I have previously purchased similar cards with no issues, even as recently as XX/XX/23. I commonly purchase these cards and am very familiar with their functionality. 

I am concerned that the actions taken by BHN to modify usage of these cards is against the terms of the card, is unethical, and is illegal. 

The total of all of the cards which I currently have is {$4000.00}, XXXX {$500.00} XXXX gift cards. 

On XX/XX/23, I spoke with XXXX ( front line ) and XXXX ( supervisor ) at the BHN XXXX customer service department. Both parties identified that there isn't, and should not be, any limitation on the usage of cards. 

BHN case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There was an identity theft from my credit report. First, there are inquiries on my XXXX report that do not belong to mine. After that, I received many calls from around the country about applying for loans, financial support, etc., which is not my request. They called me every day, which made me very frustrated and stressed. I have to go to XXXX XXXX XXXX XXXX because phone calls keep me down from work and study. 
First, those inquires from my Equifax report should be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I have already contacted the XXXX bureau about this, and they have not solved my situation. I also filed an FTC report, but it was not helpful. Now, I am sharing the complaint on this to help me out. 
There have been a lot of calls from nowhere around XXXX months ; I took a picture from an example of how annoying those were.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: FL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Capio Partners, LLC
State: OH
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:
UPON CHECKING MY CREDIT FILE, CAPIO PARTNERS HAVE REPORTED TO MY TRADELINES AN ACCOUNT THAT I ALLEDGELY OWE FOR XXXX. I HAVE NEVER RECEIVED ANY NOTIFICATION, ANY RIGHT TO DISPUTE OR ANY INFORMATION VALIDATING THIS DEBT. 
I NEVER WAS EVEN GIVEN THE OPPORTUNITY TO DISPUTE THIS DEBT AS REQUIRED PER LAW. CAPIO PARTNERS WAS SUPPOSED TO PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THIS DEBT AS WELL AS PROVIDE ME WITH VALIDATION OF THE DEBT AS REQUIRED PER THE FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Chime Financial Inc
State: WA
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:
I have an account with Chime ( XXXX ). Recently they allowed a charge of {$160.00} to my account which was NOT AUTHORIZED. I told Chime that this charge was not authorized. Chime came back and said they had proof that the charge was correct! I am their customer, and they tell me the charge is correct!! I repeated to them that the charge is not authorized, and I want it returned immediately, but they refused. The company that made the charge XXXX XXXX was told in writing ( 4 different time that they were not allowed an direct withdrawal payments. I need my {$160.00} back ; I am having to choose between medicine and food because these people will not return my XXXX. I have the right to receive this money back upon request, and MY bank has to refund it. I need my money back now, Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Paradigm Assets, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX after asking them multiple times for a proper debt validation they failed in all of them but they wanted to still pursue an invalidated debt so they decided to sue me without even giving me a proper servicing of a court summons claiming and lying to the court that they served me on XX/XX/XXXX which is a total lie because at this time I had already moved out of state I moved on XX/XX/XXXX I can prove this with XXXX mailing address change and/or paystubs.It looks like they just needed to serve someone before the 90 days would run out and they also wanted to pursue a default judgment in which they filed in court on XX/XX/XXXX asking the court for a default judgment to try and steal from me and garnish my wages without me even knowing about this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Dear CFBP, I am writing to follow up on my complaint against Wells Fargo, which I submitted to Wells Fargo in XXXX of last year. I have yet to receive any response from Wells Fargo regarding the issues that I raised, and it has now been several months since I first brought this matter to their attention. 

My complaint concerns the illegal repossession of my vehicle, fraudulent activity, and false financial statements made by Wells Fargo. I believe that their actions have caused significant financial and emotional harm to me and my family, and I am eager to see this matter resolved as soon as possible. 

Given the lack of response from Wells Fargo, I am growing increasingly concerned about the progress of my case. I urge you to take swift action to hold them accountable for their actions and to ensure that I receive a fair and just resolution to this matter. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon.

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 2023-06-04
Company: The CBE Group, Inc.
State: CA
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 am unaware of any outstanding balances I owe and have had years of top credit scores. This company never contacted me about any credit issue and submitted a report to the credit agency XXXX with the following information : CBE GROUP has flagged your account as Collections on XX/XX/2023. 

Source : XXXX XXXX : CBE GROUP Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank, Abruptly closed my account for no reason I continued to pay my balance in full every month. I called company to get the reasoning she placed me on hold for 10 minutes couldn't give me a solid reason to closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-06-04
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Date : XX/XX/XXXX Remittance Company : Remitly Reference number : XXXX Amount : {$1300.00} USD Bank involved : XXXX ( XXXX ) I was sent a message on XX/XX/XXXX that the funds were delivered to the recipients account. 
But upon checking with my sisters bank account, nothing was credited. 
Numerous attempts have been made through the remittance companys phone number and chat service, but i was kept on hold for several times and have to wait for hours with no resolution on the problem. 
Today, XX/XX/XXXX, I demanded a refund of my hard-earned money, but all Im promised is a 24-hour call wait again. This promise has been their excuse for the past 2 weeks now, and its causing me a significant inconvenience to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: LA
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:
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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-02-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I files a dispute in regard to incorrect item on my credit report. Navient has agreed to 1.85 Billion Settlement with 39 State Attorney Generals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While renting a car for 6 weeks, I was hit twice and filed two separate loss incidents with XXXX, where I rented the car. Claim # 1, the driver who hit me acknowledged that they were at fault and stated that they would like to pay cash to fix the scratches on the BACK of the bumper. Claim # 2 I was hit, but the other driver claimed she had yielded, so each of our insurances determined we would each be responsible for our own cars. The damage for claim # 2 was on the XXXX of the bumper because the other driver had merged into my lane. I am willing to pay for the damage to the side bumper. However, XXXX sent me an invoice for all the damage, and included the damage to the BACK of the bumper which should be billed to the driver for claim # 1. I have sent several emails to XXXX XXXX who is handling my claim, but he has not responded to me. I spoke to him and he said I'm not being billed for the other damage, even though the invoice shows the back bumper damage to repair. I have asked for documentation on claim # 1 so that I can understand how they are separating the claims. After several weeks I received an email stating that they would be dividing the two claims, collect the damages from claim # 1 from the third party, and send me an updated bill, however, I have now received a letter from a collections agency, Transworld Systems Inc. ( TSI ) for the full amount of both claims. I have now mailed a certified letter to XXXX and TSI requesting again that the claims be separated and billed appropriately and that documentation of such is provided to me. I eagerly await their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account- XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Month showing late payment 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 2022-02-16
Company: EQUIFAX, INC.
State: IL
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:
To start off my XXXX complaint, I would just like to ask CFPB one question... Why are you allowing credit reporting agencies to commit Federal violations of the law?? The first evidence that I will be submitting is from a actual report from CFPB that was released on XXXX XXXX and is on the actual consumerfinance.gov website. In the report by CFPB it states that " Equifax, XXXX, and XXXX together reported relief in response toless than 2 % of covered complaints, down from nearly 25 % of covered complaints in XXXX ''. Also it states that Equifax promised to investigate but failed to provide the outcomes of their investigations to the CFPB and instead stated that they would forward the complaints to their " dispute channel. '' Lastly it states that " Equifax most often promised to open investigations and send the results to the consumers at later dates, but it would fail to provide the CFPB with the outcomes of the investigations. '' You can find this particular article at https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Now the reason for my complaint is that Equifax has failed to respond to my dispute letters that I sent XXXX XXXX and XX/XX/XXXX. I deposited my disputes via registered mail with the U.S postal service along with a return receipt. I know that Equifax received my XX/XX/XXXX letter because I did receive the return receipt which was signed off by someone at Equifax by the name XXXX XXXX on XX/XX/XXXX. The letters that I received from Equifax are soley only asking me to verify my identity and asking me to send in identity documentation. Each letter that I have sent them since XX/XX/XXXX all had a copy of my drivers license, SSC, and electricity bill so I don understand why they would need any documentation when they already have it. 

Federal law requires you to respond within 30days, yet you have failed to honestly respond to my letters. Failure to comply with these federal regulations by credit reporting agencies are investigated by the XXXX XXXX XXXX ( see 15 USC 41, et seq, ). I plan on filing a complaint with the attorney general, FTC and possibly small claims court if this issue isn't resolved soon. I will be attaching copies of my dispute letters I sent, Equifax letters asking for verification, my id, ssc, proof of address, Equifax return receipt and the CFPB report I mentioned.

Company response to consumer: Closed with explanation