BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A XXXX party trying to collect for a debt not owed to them! 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: FL
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 Account # XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXX XXXX account # XXXX has violated my rights, XXXX  XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-01-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX to an alleged fraud or extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: OH
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. I provided my identification documents when I sent the complaint through the CFPB. By law, a police report isn't required for identity theft. You have a duty to do what is fair and equitable to me as a consumer by deleting the items identified as Identity theft from my consumer report. Please place the block on my file and delete the items identified as identity theft. You have 4 days per 15 USC 1681c-2.

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 2021-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I notified my local B of A that I had unauthorized transactions on my account {$8900.00}. 
It started XX/XX/2020 thru XX/XX/2020, there are about XXXX games, and XXXX charges. 
They asked if I was notified, and I said no I wasn't. They told ne to call the number on back of my card. I called them on XX/XX/XXXX and explained what happened. I got a letter on XX/XX/2020 saying they put {$3000.00} in credits on my new card. They said it would take up to 90 days to research my complaint. I received another letter on XX/XX/2020 that said they investigated and the {$3000.00} was permanent. So I called them on XX/XX/2020 to ask why I wasn't getting the rest of my money. I also told them I found out 2 weeks after I reported it, that my XXXX year old grandson and his friend were the ones who did this. 
I reminded them that they have a " Zero Liability for unauthorized charges ''. The person who took my call didn't have authority to do anything. So I called back and ask for a supervisor, They said to file a new claim for the rest, so I did, however she said that if I were to repeat a charge that had been credited, it would void the amount left. So I called back and ask for a supervisor again and explained that there were hundreds of the same game, I was bound to repeat. Then I was disconnected every 20 minutes, until the 3rd time when I was told they couldn't take my call. I have filed a complaint with Rep. XXXX XXXX 's office and ask for help. They said it would be a good idea to file a complaint with your office also. Thank you for your time. 
Sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ca. 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 monetary relief
Consumer complaint received 2023-09-09
Company: Comerica
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Had money sent to me on XXXX. My account said click here to enroll and recieve money. No matter what I try it will not send the code. There customer service told me it's an issue on there end showing my carrier is disconnected. They said there is nothing they can do. They refuse to refund the that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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:
am a natural person, I am a living human being, I have the right under 15 USC 1681.

Equifax Govern by 15 USC 1681. 
And they violated my rights numerous of times, I demand the accounts listed below to be removed 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 According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish this account above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I paid of my account last month Why there is a balance of {$150.00} I ask the rep she refuse to help She was rude and Im willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: AZ
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:
This company isnt complying with its own Policy in a timely manner, they've had more 30days to respond, i sent out a letter on XX/XX/2021, and im requesting all items involved be permanently deleted from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 I was alerted by XXXX XXXX and XXXX  that I have a collection with XXXX XXXX XXXX for a gym membership with XXXX XXXX/abc financial. This membership should have been cancelled years ago as I had asked them. The email I received was with abc financial services for {$98.00}. I called them to resolve they said call XXXX XXXX XXXX as my account is in collections. XXXX XXXX XXXX  first said they have no information of mine. I called again and was told I was in collections for {$160.00} which is much more than abc financial services had told me. I told XXXX XXXX XXXX, I will gladly pay the balance if they agree to remove it from my credit report as it is not legitimate. XXXX XXXX XXXX said they can not help me and to call abc financial services. Abc financial services said they can not help since the account is in collections already with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  was still unwilling to help me. They would not take a payment from me or remove the remark from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Flat Six Holdings Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 I went into XXXX in XXXX, Ohio to obtain a short term payday loan. I borrowed {$400.00} on that day and paid the loan in full in the amount of {$440.00} on XXXX XXXX. At no point during that transaction was I informed that Ohio no longer did payday loans and that it was now a line of credit loan. I also have no recollection of being handed any information regarding an annual fee to keep a " line of credit open. '' On XX/XX/2019 I received a phone call from XXXX about an outstanding balance. Upon returning their call I was informed of the annual fee. I was also told I should have received an email regarding that information. After thoroughly searching my email, I have no such email. They directed me to their lender, Crestline Finance. On XX/XX/2019 I called Crestline Finance and spoke to a customer service representative who directed me to her manager, XXXX ( sp ). I was told that if I did not pay the annual fee of {$150.00} in addition to the the {$10.00} credit reporting fee, my account would continue to accrue interest and go to collections. It was explained to me that the interest would not be based on the fee but rather the entire line of credit amount, even though there is no outstanding balance. The explanation was very confusing and repetitive but from my understanding their lines of credit extend to approximately {$1000.00}. I was approved for {$400.00}. The word collateral was used to explain why I would then be charged interest on not only the approval amount but also the remaining {$600.00}. The process was never explained clearly why I would be accruing interest on a loan with a {$0.00} balance, having no interest in " keeping it open. '' I was also told that I am not able to close the account, thus it will keep accruing interest, until I pay the annual fee, which I was not transparently informed of. 

I apologize for the confusing explanation but there wasn't much clarity to from the conversation. I am familiar with lines of credit and in my experience, if you don't use it, you don't pay for it. I realize that {$160.00} seems like it isn't worth this trouble. However, the deceptive practices and confusing/unethical product are worth taking the time to report. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I repaid my Student Loan to XXXX XXXX XXXX in XX/XX/XXXX. I then applied to get my refund because of the CARES Act in XXXX. My Student Loans were reopened and sent to EdFinancial. I never received my Student Loan Refunds but EdFinancial has reopened my accounts and reapplied my entire balance of {$14000.00}. In XXXX of XXXX I called EdFinancial asking about the status of my refund and if they can remove the remaining balance as I had never gotten the refund. I still have not gotten my refund nor did I get my balance cleared as of XX/XX/XXXX. Student Loan repayments are scheduled to continue in XXXX which will result in interest accruing on a loan that I have already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: CA
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 contacted XXXX XXXX XXXX on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to XXXX  on four other occasions that all of the individual tradelines for XXXX, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX is the new loan 's trade line entry. All my loans are duplicated and they should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Waypoint Resource Group, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I got a phone call from waypoint Resource group. The collection agent (?? ) demanded I verify an address. I refused as I have my bank account compromised recently. The agent refused to send anything by mail after admitting she had my address. I believe this may be regarding a balance with XXXX XXXX   XXXX  but I sent the modem back and got no correspondence. I saw this on my credit report and disputed it with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I continually receive a phone call stating that " this is XXXX XXXX and I need to discuss your file. I need to talk to you before I submit your case to the county processor. It is important that I talk to you immediately regarding the file I have received. '' Then the calls started to some friends of mine and the same message was being left on their answering machine and they asked me why they would be calling their house? I don't even know their home phone number. 
So I call and talk to XXXX XXXX and he informs me its in regard to a credit card that was opened in 2009 and that the balance is over {$3000.00} so how am I going to take care of that today, I relay to him that I have been homeless and am unable to settle that amount and the phone calls need to stop this is an official cease and desist! His remark was " well if your homeless I'm sure you didn't go to law school so you don't know what your talking about. How are you going to settle this debt. '' Furious I just stated " i'm not! '' I was so mad at his comment that is the only thing I could say. " He said " if your refusing to pay then let it be on your head '' and hung up the phone. 
Circumstances exist that place all types of people in homeless situations. Degrading my living situation is not an acceptable way of trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: TN
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 NUMEROUS 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, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00}XXXX XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190.00}, XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

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 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CF P B : Capital One just closes this dispute since XXXX XXXX  (! ) without resolution Submitted many times and Capital closes as duplicate but NEVER answered with resolution letter Please ASK CAPITAL ONE for resoltion and finality on this matter I have sent recipts, answered their form, copy receipt every piece of documentation I could think of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Coinbase, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
-Date/time of transaction : XX/XX/2023 XXXX XXXX XXXX -Transaction amount : {$100.00} ( pre-Auth charge ) - Prepaid debit card issuer : Coinbase I made a transaction at a gas station for {$39.00} on XX/XX/2023 XXXX XXXX pst using coinbase card, For this transaction a pre-auth charge/hold of {$100.00} was debited from my card. Pre-Authorization Hold/Charge issued by issuer bank to check if there's sufficient fund for the purchase. Typically the hold is released after 24-72 hours once the transaction is confirmed. The original transaction amount {$39.00} is already confirmed but pre-authorization charge still remains. I have raised a request with Coinbase to remove pending pre-Authorization charge/hold, they have assigned a case XXXX on XX/XX/2023. This case has been now open for 30 days, every time I followup Im being told the case is escalated but there is no resolution.

Company response to consumer: Closed with explanation