BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I was charged two overdraft fees due to Speedy Cash debiting my account on the incorrect date. This is after I called in and reported the error. They refused to credit me for the fees after initially promising to do so. Therefore, I immediately halted my payments. I informed them that I would not make any payments until those fees were credited. I also revoked my phone authorization. They have continued to harass and call me daily, from different telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CURO Intermediate Holdings
State: TN
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:
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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:
I have contacted XXXX  XXXX on several occasions regarding a loan that's on my credit report. I have advised several times that information was incorrectly listed on my credit report. I contacted XXXX XXXX in XX/XX/2021 asking for the payoff amount. I was told the amount and a check was sent. For 3 months after the check was sent it said that the card was paid off and it was reported that it was on time then XXXX through XXXX its showed late and in collections regarding XXXX so no one ever explained that XXXX was late on the account I was told the account was completely paid off in XXXX. This is really hurting my credit I advised XXXX  XXXX of this and they are not helping with the current 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 explanation
Consumer complaint received 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 my wife wrote and mailed a check for {$500.00} to Capital One credit card. I was the primary on the card. On our next bill it said we had not paid our bill and there was a late fee and interest charge. l called and told them we sent the check well ahead of the due date just like we always have for years. I was getting nowhere so I asked for the supervisor. She claimed they had not received the check. She advised me to put a stop on the check. It cost us {$30.00} to stop it. Two days later Capital One tried to cash the check that they claimed they had not received. I called and again I talked to a supervisor that got real mouthy with me and would not listen. I wrote a letter and their response was, " I am sorry for your inconvenience, there is nothing we can do for you ''. I wrote two more letters and told them I had cut up our cards and had called and cancelled the cards. We called the number that we were supposed to and the woman kept trying to get us to take a " better card ''. After saying several times we wanted to cancel the card I asked her if she did not understand the word cancel and she claimed she canceled it. We are still getting bills and they keep adding late fees and finance charges. I have told them repeatedly i am not going to pay charges that were their fault. Also, we had a automatic payment for our phones that we canceled and put on another card. Capital One still tried to get a payment from the phone company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent in letter to have my name and address updated. I attached a copy of my SSN and driver 's license, but only my name was updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DP OF EDUC Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: GA
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: SFMC L.P.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have vehemently protest and demand that Service First Mortgage recalculate their Escrow amount as my monthly payment on a 30 year fixed 4.5 % interest FHA loan went up by over 15 % from {$2200.00} to a ridicules {$2500.00} I have tried to explain to them this is because of a faulty algorithm the company uses. The amount in escrow and payments were due to insurance claims for a replacement roof, not from regular escrow transactions. These were not real escrow overages or shortages, and certainly not worth a {$3600.00} additionally annually. I am willing to pay the overage for the time being, and the extra {$300.00} but it will be applied to the principal not escrow. This needs to be resolved ASAP COVID-19 virus or not. I have sent copies of this inquiry to the Texas Office of the Attorney General and to the CFPD. With my annual Taxes and Home Owners insurance not going up, there is no reason to be increasing my monthly payment by over 15 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello, On XX/XX/XXXX, I received a phone call from someone who spoofed their number to be Bank of America and said that my funds were going to be taken out unless I transferred the funds to a XXXX  authorized number. I ended up wiring the money over and filed a claim immediately which was denied by Bank of America. However, I think that I should be able to receive my funds back under the Regulation E act.

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 2023-01-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have talked to Equifax three times, with the last date being XX/XX/XXXX. I have explained to them ever since the data breach I can not access any credit information, my report says there is none to report. It also shows the last credit score in XX/XX/XXXX. This issue has caused be to be denied a loan because my creditors are unable to look up my information. I was told several times, this would be corrected and technical support would reach out to me, but the issue still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled a copy of my consumer report and I noticed inquiries that I did not authorize. 


The fair credit reporting act says that the only permissible purpose for pulling someones consumer report is for : Firm offer of credit Insurance Court order Employment These inquiries does not have a permissible purpose they are not attached to an account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outside of what I just listed above according to the FCRA these inquiries do not belong on my consumer report. Please remove the listed inquiries from my consumer report they were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I sent a letter to DISCOVER BANK requesting them to send me files regarding my account as well as file for their records a 2848 and 56 form that was included with the letter. It was in good faith that I reached out to DISCOVER BANK after learning my rights and the role of a consumer from the Consumer Credit Protection Act. 

As stated in the letter from DISCOVER BANK We are in receipt of your letter dated XX/XX/XXXX. As a result, we have decided to permanently close your Discover Card account ending in xxxx. DISCOVER BANK provided no reasoning, only a result which was obvious before I got the letter. 

After exercising my rights as a consumer under the Consumer Credit Protection Act, they discriminated against me and preformed this extreme adverse action. 

I have been a card member with DISCOVER BANK since XXXX. Every bill was paid BEFORE every due date and I referred friends and family members to this company. I was in good standing with DISCOVER BANK from the time I opened the account to even when they closed my account. 

After almost five years in business with DISCOVER BANK, I send one letter regarding my account after learning of my rights as a consumer and they discriminate against me as I exercise my right in good faith. 

On top of that, before I even knew that my account had been closed, DISCOVER BANK reported this negative activity to consumer reporting agencies to disclose on my consumer report. 

I am under stress because of DISCOVER BANKs adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: OH
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have accounts and addresses not belonging to me, 4 car card loans with XXXX XXXX  when I only have one loan, XXXX in which they told me this account was removed, as well as XXXX and XXXX in which I was told this was blocked. 
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 of 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX 2023, i uploaded the required documents to add a bank account to transfer money in Venmo to my bank via chatting with XXXX XXXX ( a Venmo chat representative ). 

On XXXX 2023, Venmo email me that my account is suspended. 
I replied to that email and did what the email said and Venmo did not respond at all by email or call. 

On XXXX, I decided I wait enough already and chat with Venmo rep and no help provided to solve the suspended account. I asked for a reason why my account is suspended and no reason provided. 
I called, email, chat and no help from venmo to solve this accound suspended. 
I can not close account either. 

I need help transfer the {$30.00} out of the Venmo account to my bank or Venmo can send me a {$30.00} check. 

This is a simple problem that can be solve quickly. 

thank XXXX XXXX phone XXXX email XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Approximately mid XXXX I went into XXXX Department XXXX located in XXXX to make a return. They processed my return however I noticed a charge on the account that I never authorized. I called Chase Credit Card and they advised to contact the merchant since the credit card was used via a chip. I went in and spoke to XXXX the Store Manager or someone in Loss Prevention Department who had advised that she looked at the surveillance video and noticed that I did not walk away with the merchandise. She stated that I would be receiving the credit of {$370.00} and that transaction was VOID. A month has gone by and I still noticed that I not only have still been charged but interest is gone up as well. I called back to Chase to get this removed off of my transactions and I explained to them that I did not make that purchase. I did not sign for the merchandise and I did not walk out of the department store with the items. They gave me a temporary credit and said they would dispute it with XXXX. A month after I received notification that the dispute has been resolved expect not in my favor. They said that the chip was used and I was responsible for it. I told them that the transaction for the {$370.00} was a void transaction not a purchase. I told them that I believed that the employee made a mistake or she probably engaged in fraud. As of today, I have still been charged for the {$370.00} and have not seen any refund. Again this FRAUD and I have not authorized this transaction. Please issue me a full refund in the said amount. Also, when I called and spoke to a manager or supervisor in charge of the dispute department ( I am sure you have the call recorded XXXX he was extremely rude. That was the last time I initiated a conversation with Chase about this issue.

Company response to consumer: Closed with explanation