BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So we have had issues with the billing and payments through XXXX. For months before we ended our services we would make payments and they would deny the payment from our debit card. Then they would run it again and it would go through. In XXXX of last year we had the same thing happen, didn't think much about it at the time, until they started deducting the payments that they said didn't go through and still charging us. So in XXXX of XXXX I was reviewing the bills with support form XXXX and found I was being charged for things we did not have for years. The lady was going to credit the account XXXX one week and another XXXX the following week as that was the most they could do to help fix the issues. The credit never came and in XXXX and they shut the services off in XXXX. You can see there are XXXX transitions and technically there was a XXXX as well for XXXX, but that got resolved and does not show. 

All payments were made through XXXX. 

The payment through XXXX XXXX XXXX XXXX for {$260.00} on XX/XX/XXXX XXXX said it posted for 3 days then unposted. I have attached the statement from XXXX XXXX showing in was never returned. 

XXXX turned off TV on the XXXX and declined the payment for XXXX. I immediately get a notification the payment of XXXX must now be paid. So I pay that. Now I look at my banking and I have XXXX payments made to xfinity. 

A stop payment on the XXXX was started through XXXX as the account was over paid, but XXXX fought it and it went through. 

So now I have paid XXXX XXXX not just XXXX in the month of XXXX and the account is overpaid. They billed me again for the XXXX from XXXX in XXXX. 
On XX/XX/XXXX a payment for XXXX was made, but never credited to my account until XXXX. 

This is how screwed up they had my account. 

You will see over the next several statements along with a credit of XXXX. That was supposed to be XXXX, ( but they need a higher manger approval to do it all at once ) because they had been billing me for several years for equipment that was turned in years before. 

This is why I ended my services. There are literally days I have wasted on XXXX, trying to sort this all out. Not to mention I'm getting hit with all these fees and they are not being responsible for any of it. 

I have attached the documentation. I spent a large amount of time after work with XXXX trying to resolve this, I also spent hrs. during work. I should not have to spent this much time trying to undo the issues. I tried to work with them for months, trying to be understanding as they tried to figure out what happened. Then they tried to explain what they thought happened and at this point I was done. My kid could not do his school work, our security system was not functional and had no TV. I was done with trying to be reasonable. I dealt with this for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-11-17
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Reliant Capital Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XXXX XXXX. I was informed that Reliant Capitol Solutions called to look for me at my employer. A supervisor informed them to no longer call that the line was a business number. They stated they would no longer call and would make a not of it in their system. 

On XXXX XX/XX/2023, they called my cell phone at XXXX at XXXX hours. Again, at approximately XXXX hours, they called my employer and told an employee that they were from " Reliant Capitol Solutions seeking to collect a debt. ". 

This is repetitive, unprofessional, and harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX 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 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 2023-10-19
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXXXXXX  I sent a endorsed security and 1099A via USPS registered mail # XXXX to U.S. Bank Trust National Association and it was delivered by USPS on XX/XX/XXXX. I also spoke with XXXX XXXX the indenture trustee respective officer on XX/XX/XXXX that provided his email where I also sent copies. According to the most recent Security Agreemeet/XXXX  filings found on the Securities and Exchange Commission official website U.S. Bank Trust National Association is list as the Indenture Trustee for XXXX XXXX XXXX XXXX . I sent both the endorsed security and 1099A so my account can be correct to a {$0.00} balance. Also the transfer agent U.S. Bank Trust National Association received my certificate of indebtness/promissory note and securitied it. Once it was securitized the company was paid in full for the vehicle, while also receiving a cuisp number and trading the security. It is also the responsibility of the Trustee/Indenture Trustee to discharge this debt according to the banking act of 1933.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently opened a Chase Credit Card account - A XXXX XXXX. Within a month or so of having my account in great standing, paying on time, only using for basic everyday purchases, I received a letter saying they were closing my account. 

Without understanding why, since I have good credit and {$0.00} in debt to my name, no outstanding balances anywhere, I requested a motive. They did not give me XXXX other than in the past Chase had closed one of my accounts. 

About 12 years ago I had a Chase banking account and linked it to my XXXX where I ended up auctioning off things I had around the house. Chase said I was using a checking account as a business, which was very odd, but they ended up immediately closing my account, even though there were only a handful of transactions from XXXX and none that exceeded a few dollars. I went to the branch and was told the decision was final and I did not have the right of an appeal. 

The issue I have is they approved my credit card and ran a credit report, and now I have not only a credit request, but also an account closed under my name and I have never done anything remotely wrong. They put a dent on my credit and I have not broken any laws, rules or regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 I sent this company a letter asking for legal verification & I never heard back from them in the timeframe according to the credit laws. Can you help me? I have going back & forth with these companies for a while. They keep sending statements as verification & this time they sent nothing. 


XXXX XXXX XXXX XXXX ( XXXX XXXX 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 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Interest Rates are at an all time low. 
I have 3 Capital One accounts Ending in XXXX, Interest Rate is  21.99 % Ending in XXXX. Interest Rate is 24.40 % Ending in XXXX, Interest Rate is 23.90 % I have had one of these accounts for 23 years and never missed a payment. 
With the economy, stock market and Corona Virus weighing on me, I asked Capital One to consider Interest Rate relief. I spoke with Capital One on XX/XX/2020 about lowering my Interest Rates, but Capital One said they would not work with me. 
I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got in bind in XXXX because my check was short and had to get help with my light bill. I move in XX/XX/2018 still trying to pay them, I am trying my best to pay them back I am stressed out hair fall out lose weight.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
My USAA online bank account was accessed unauthorized and a fraudulent external bank account, ending in XXXX, was added and verified to my account without my knowledge or authorization on XX/XX/XXXX. Two transfers of {$5000.00} were made, one into my checking and one into my savings on XX/XX/XXXX and XX/XX/XXXX. On the same days, XX/XX/XXXX and XX/XX/XXXX, XXXX transfers were made out of my checking and savings, of {$4900.00} and {$4900.00} respectively into an account ending in XXXX. I did not receive a notification that this activity was going on. The initial {$5000.00} transfers into my accounts were made from accounts that I do not use often and did not have the funds to cover the transfers. One {$5000.00} transfer was into a savings account that I only transfer small amounts, less than {$50.00}, every month. I am very disappointed with USAA for not seeing that a large transfer into and out of my account that I don't actively use was made all in one day. That should have been an automatic flag but no response from USAA. They had the nerve to say there was no fraudulent activity and the transfers were my responsibility. I had to call to get this information about my account because USAA had not sent any correspondence or made any calls to me. I have been calling everyday to tell them what they should already know that my account had fraudulent activity. USAA reopened my case and I am waiting again to see what they will do to recover my money. I put a fraud alert on my credit file and submitted a claim to identitytheft.gov as well. I don't know what else to do. please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MD
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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-10-15
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Nelnet refuses to communicate why I have more interest applied on their website than t what has been displayed on student aid.gov page. Nelnet is irresponsible and not responsive when asked for help and clarification. The federal loans were transferred to them from Great Lake without customers knowledge and no explanations provided to customers leaving customers clueless regarding the amount and interests displayed which are inaccurate. Nelnet refuses to cooperate or answer any communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am current on my mortgage. In fact, I HAVE ALREADY PAID XX/XX/2020 On XX/XX/2020, Wells Fargo Reported that I am 120 days delinquent. THEY MUST STOP MESSING WITH MT CREDIT. I am Beginning to think it is because of my XXXX. I sure hope that this is not a matter of my 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 2020-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Asked them to contact me by email and not repeatedly calling interrupting calls for assistance with Health and Human Services for community services and when I need to speak with the doctor. They use different numbers and I have tried to block them. I can not make any phone calls without them interrupting the phone call by getting on the line while I am talking to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Atlanticus Services Corporation
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX  at XXXX hours, I was dispatched to the XXXX Police Department lobby for an Identity Theft report. 
Upon arrival, I spoke to the victim/complainant XXXX XXXX XXXX XXXX XXXX XXXX. who reported an unknown offender opened up a credit card fraudulently using her name. 
XXXX said on XX/XX/XXXX  she received a text message alert from XXXX XXXX  and XXXX Credit Bureau which alerted her a charge of {$3800.00} was made on her Fortiva Credit Card. 
XXXX said she contacted Fortiva Credit and advised the customer service employee she has never applied or opened a Fortiva Credit Card Account. 
XXXX said the Fortiva employee advised her the account was opened on XX/XX/XXXX  using her information such as her name, address, and social security number. 
The Fortiva Credit Card ( Account # XXXX ) was approved for {$5000.00}. 
XXXX said the Fortiva employee also advised her the {$3800.00} charge was made at XXXX XXXX XXXX XXXX. It is unknown how the purchase was made, or which location the purchase was made at. 
XXXX said the Fortiva employee advised her the fraudulent account in her name was closed. 
XXXX said she has no financial loss. XXXX will sign complaints if the unknown offender is identified. 
I gave XXXX a pamphlet on Identity Theft and provided her with advice. 
Reporting of this incident was recorded on my body camera. 
On XX/XX/XXXX  at XXXX hours, I contacted XXXX XXXX XXXX XXXX XXXX cell phone and provided her with information and direction on how to submit information/report to FBI IC3 and FTC. 
XXXX was satisfied and said she would contact the police department if she had any further questions or needed assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  REPORTING INCORRECT BALANCE INFORMATION ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX 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 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