BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Sequium Asset Solutions, LLC
State: LA
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 a year ago my service was canceled with XXXX XXXX XXXX XXXX  amount at that time was around XXXX I had no cable the service was canceled due to me being out of work due to XXXX so now this account has gotten sold to a company called XXXX who constantly calls me from numerous numbers they called me 4 times today XXXX from XXXX approximately XXXX XXXX back to back XXXX and XXXX they called me saturday from XXXX at XXXX XXXX i spoke to someone on XX/XX/XXXX approximately XXXX about how im not paying almost XXXX when my service was cancelled at XXXX i told her to no longer call my phone this company uses multiple numbers that are not linked to them uverse is no longer a active service with XXXX XXXX XXXX  any more i have XXXX and i dont appreciate these tactics at all i told them this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} EQUIFAX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX FIRST ATTEMPT. 

I RESPONDED TO THE COMPLAINT AND STILL THIS ISSUE HAS NOT BEEN RESOLVED/ TO THIS DAY THERE HAS BEEN NO VALIDTY OF THE DEBT. XXXX XXXX XXXX PREVIOUSLY WORKED UNDER ANOTHER NAME WHICH WAS RECENTLY CHANGED WHEN SPEAKING WITH XXXX  AND XXXX  THIS DEBT BUYING COMPANY WAS NOT ABLE TO PROVIDE A RECENT CONTRACT HOWEVER ACCORDING TO RESPONSE YOU SENT MY CREDIT BUREAU WAS UPDATED THE OLD CONTRACT FROM TIME OF PURCHASE DOES NOT VALIDATE A SERVICE THAT EXPIRED/ I ONCE AGAIN NEVER RENEWED MY CONTRACT THEREFORE THE CONTRACT IS NULL AND VOID. THE ORIGINALLY DOCUMENT SIGNED IS EXPIRED. THIS DEBT WAS ON MY CREDIT REPORT PREVIOUSLY THRU XXXX  THE ORIGINAL CREDITOR AND WAS REMOVED. I SEND ALL THE DOCUMENTS FROM THE XXXX  THAT SHOWS THIS COMPANY 'S NORMAL PRACTICE IS DO THIS TO CONSUMERS. XXXX Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/XXXX This company has reported erroneous information to the credit bureau as well about an account that had already been resolved from XXXX. This has also negatively impacted my credit score. I had not received any invoices or anything regarding debts owed from monitrinics. I asked for Proof if this debt and all I received was a copy of an agreement from XXXX. I do not owe this company anything. 
Complaint Type : Billing/Collection Issues Status : Unresolved XX/XX/XXXX I have never done business with this company and they have placed me for collection with a company called XXXX. I have never had or used anything from a company called XXXX. This business places scam accounts on your file to bully you into paying a balance and never belonged to a person in the first place. They blatantly fail to adhere to the Fair Credit Act and refuse to provide ANY single document that proves their false allegation that a person owes what they allege. This is a scam. All companies are bound by the Fair Credit Act and thi THESE COMPLAINTS GO ON AND ON I'M ASKING TO HAVE THIS COMPANY INVESTIGATED AND ALSO REVIEW THE 202 COMPLAINTS FILED JUST IN THE MONTH OF XXXX. I HAVE CONTINUED TO CONACT XXXX   THRU WRITING WHICH THERE HAS BEEN NOT ONE RESPONSE. I HAVE CONTACTED AT THIS POINT AN ATTORNEY TO ALSO ASSIST ME WITH THIS MATTER.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  OWNER OF XXXX XXXX SENT A LETTER TO MY HOME, SHOWING ME I DO NO HAVE NOTHING TO DO WITH THEM. 

A CREDIT CARD WAS OPEN UNDER MY SOCIAL SECURITY NUMBER AND NAME MY ADDRESS DOES NOT MATCH, MY PHONE NUMBER DOES NOT MATCH, MY CHECKING ACCOUNT WAS USED WITHOUT MY ACKNOWLEDGEMENT FOR CHARGES GIVEN TO THIS COMPANY AND MY CHECKING ACCOUNT BANK HAS RECIEVED THE FRAUD DISPUTES FOR CHARGES OF XXXX DOLLARS, XXXX, AND ALL OTHER DEBITS TAKEN OUT OF MY BANK ACCOUNT. 

I DO NOT OWN A PHONE NUMBER XXXX XXXX XXXX I DO NOT LIFE AT SOME ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  OWES ME FOR DAMAGES, REPORT THEM XXXX THE FTC FOR RACISM AND FOR CHARGING ME FRAUDULANT ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: NAVY FEDERAL CREDIT UNION
State: AP
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I made a payment arrangement with Navy Federal and when it was time to pay they took a different amount that was agreed to. Also, I would call and notify why I was late but every chance they could would transfer money out my account that was not authorized. I never agreed to have someone take my paycheck and do what they pleased. This last incident I made a payment arrangement of {$170.00} dollars but they took {$260.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX by and through the law firm XXXX and XXXX XXXX, XXXX Delaware XXXX, XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/2015, XXXX XXXX an Attorney from law firm XXXX and XXXX, XXXX, XXXX Delaware XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/2015, XXXX XXXX and XXXX law firm served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX XXXX XXXX XXXX. This time XXXX XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with XXXX XXXX XXXX XXXX appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX and XXXX XXXX, in attempt to scare me into paying a debt I dont owe.

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 2022-05-16
Company: EQUIFAX, INC.
State: MD
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 received your response in my complaint # XXXX, XXXX, XXXX and Im the one who submitted a complaint on XX/XX/XXXX. These items XXXX XXXX XXXX ( Original Creditor : XXXX ) and XXXX  Date of Inquiry XX/XX/XXXX is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My Venmo account was frozen, not useable for credit or debit transactions, in XX/XX/2021. Initially Venmo could not provide a reason for the freeze but after about 4-weeks identified the problem transaction, which ended up being unauthorized and was refunded back to the originating institution, yet for some inexplicable reason my account remains frozen despite my repeated requests for Venmo to thaw my account, which is now partially frozen but in a discriminatory manner, accepting a credit transaction for {$100.00} on XX/XX/2021 no problem, but still un-useable for debit transactions as of today, XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that XXXX is trying to collect and I dispute its validity. XXXX XXXX ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due - according to their documentation the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and XXXX has engaged in unfair collection 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 explanation
Consumer complaint received 2023-05-31
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2023 at XXXX {$7000.00} was transferred from my cash app to what I thought was my debit card, the ONLY bank I thought was linked but some how 2 hours before the money went through a XXXX bank account was linked to my cash app without my knowledge and cash app refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have requested my account funds be disbursed to me in " Lawful Money '' or the Credits thereof per the gold standard dollar for dollar, per HJR 192 and Title 12 USC sub section 411. The company is issuing XXXX, or " Federal Reserve Notes '', that Do not Cancel Debit only " Transfer '' Debit. This company has a issue with Following Federal Guidelines when it comes to its customers. I have also Requested a Federal Truth In Truth In Lending Disclosure Statement with the Listing Factors and Deciding Factors for the Denial of consumer credit Transaction reference # XXXX, and # XXXX for visa infinite credit denials. The company has not complied with my requests even after Telling this Bureau that they have complied and satisfied complaint # XXXX. Can you Please Help with this issue

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 2022-05-16
Company: Credit Karma, LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
So this problem is with credit karma / XXXX XXXX. I filed my taxes with XXXX XXXX and it says I filed with credit karma Ive also received 2 of the stimulus checks on there that I cant access nor does the irs have them payment sent back to them from when they sent it! Ive talked to multiple customer service representative. Ive tried to email Ive tried to call and never get no correct answers on why one day my credit card shut off right when I got my child tax and all my money Im missing XXXX with credit karma I can prove Ive called and emailed multiple times I can get a transcript from irs saying this much was sent to that account that still shows active but from my side its not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XX/XX/XXXX, our XXXX XXXX XXXX stopped working. It was purchased XX/XX/XXXX. It had a 1-year manufacturers warranty. After trying to get XXXX to extend a warranty ( which they would not ), However, Capital One ( XXXX XXXX XXXXXXXX ) have Extended Warranty Benefits up 2x the length of the OEM warranty and {$10000.00} of coverage. 

After trying to submit a claim 5x 's their " Benefits Management Department '' ( A third party service provider - AKA " Denial Department '' ) said that our card does not have those benefits, but the website clear states that my card does indeed have those benefits. 

Trying to escalate only escalates within the " Denial Department '' so it's obvious Capital One nor any of the underwriters intend to honor the benefit they advertise. 

Surely this can't be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX is showing on my credit report as a negative account. I never had XXXX XXXX and its been a hassle getting it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 USBK COURT XXXX TEXAS, docket XXXX, XXXX XXXX Account XXXXXXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account ( s ) XXXX, XXXX & XXXX, XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXXy account ( 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

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 WITH 3 BUREUAS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 I DO NOT RECOGNIZE THESE INQUIRES. THE 3 BUREUAS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2018-07-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This morning I went to buy a furniture item on XXXX that cost around {$4300.00}. I added the item to my cart and went to the checkout screen. While there, I was solicited to apply for the XXXX credit card, it said I was pre-approved, and that I could take 18 months to pay for the item. Because this was a large purchase, that sounded like a good offer so I clicked through and applied for the card. After my credit was checked and my credit history dinged for a " hard pull '', it came back with me only being approved for {$2000.00} ( even  though when I later spoke to a supervisor named XXXX, he said I have great credit ), which is obviously much less than the item price in my cart ( over {$4300.00} ). I called the company that issues the XXXX XXXX, XXXX, to see why the discrepancy occurred. They couldn't explain why, but offered to apply for a limit increase. After being on hold for a while, and having my credit history dinged AGAIN for a hard pull of my credit report, the person came back and said I was approved for {$4000.00}, which is STILL less than the price of my item. 

This is very shady behavior. I'm sure the credit card company 's executives receive bonuses based on the number of new accounts opened in a given period of time. If shoppers are led to believe that they can get credit to pay for the item they are about to buy, only to soon find out that the credit limit they're approved for is far below what they'd need to actually purchase the item, that strikes me as almost-fradulent. After all, why not just hand out thousands of new accounts with small credit limits so you as a credit company executive can show a huge number of new accounts opened, regardless of the small credit limits. Perhaps less people would be approved if the credit card company looked at the actual price of the item someone was looking to purchase. Maybe it's better to have 1000 new accounts opened with a credit limit of {$200.00}, or {$500.00}, or whatever, rather than 100 new accounts opened with a credit limit of, in my case {$4300.00}, or more. I imagine that XXXX would be upset about this practice as well. After all, I imagine a lot of customers would walk away from their purchases after experiencing this kind of poor treatment. 

FYI : The supervisor at the credit card company I spoke with is named XXXX, ID number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hey I was denied a credit extension through this company and by law they hall not refuse to extend a individual credit through them I know the underwriter making a deciding factor but it not a factor to Deny me a credit extension and that they are false advertising and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CCF Intermediate Holdings LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing an account thats has been being reported on my credit report since XXXX. This account has been paid off since XXXX  and I have been disputing it for three years. I have emailed a statement from EZ Money to the debt collection agency verifying the account was paid off. The agency said it wasnt sufficient enough and they wasnt going to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I advertently paid my XX/XX/2022 house payment twice. I called my bank ( Fifth Third Bank ) on XX/XX/2022 requesting that one of the payments could be reversed, and the response from the bank was that they could not reverse it. Personally I believe that the reversal could happen, and that maybe it would take a couple of days to process for which I can understand. But to believe that this reversable is impossible on the banks ' part is hard to fathom. Requesting that CFPB kindly intervene on this matter and have this corrupt bank simply reverse the XXXX bones that I inadvertently paid.

Company response to consumer: Closed with explanation