BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted discover via certified mail about an alleged debt. They have reported negative information to the credit bureaus and the credit bureaus are saying they have sent in information verifying the debt. 

However, I asked discover for validation of the debt and a copy of my original signed contract ( as allowed by law ). 

I have attached the original letter sent via certified mail and also the signature receipt showing that my letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used cash apps cash card to make a purchase on XXXX for a XXXX XXXX gift card after getting the gift card i attempted to use it but it didnt work so i contacted the XXXX seller and they refused to refund me or give me a new XXXX XXXX i contacted cash app for a dispute and it was denied within a few days i then created a 2nd dispute and a CFPB complaint with further info but now 2 weeks later it was denied again for the same ground " the merchant fulfilled its service or product '' once again my whole point is they didnt and i was scammed and now i am beyond XXXX XXXX. dates : purchase XX/XX/2023 dispute date XX/XX/XXXX denied the 2nd redipsuted on the 3rd denied on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2023 I went to the dealer to trade in the car. The dealer said they would pay for the car, so the debt is gone, but the bank keeps calling, charging and threatening that my credit will be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

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 2017-05-14
Company: Avadyne Health Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX     - negotiated total out of pocket expense with medical provider.    XX/XX/XXXX  - billed {$280.00}, in addition to insurance payment, for previously negotiated  XXXX .    XX/XX/XXXX  - disputed collection attem pt b y H & R Accounts c iting the Fair Cre dit Reporting Act US C 1681s-2.      XX/XX/XXXX   -  H & R Ac  counts re ported non-payment of disputed debt to  XXXX ,  XXXX  and  XXXX .  H & R Accounts   did not indicate in their report, in violation   of the Fair Credit Reporting Act, that the debt was disputed. Following is the relevant excerpt from the act :  605.  Requirements relating to information contained in consumer reports  [ 15 U.S.C.   1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ]     that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.     I 've info rme  d H & R Accounts th at they are in violation of the Fair Credit Reporting Act and asked them to remove the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX, DOB XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX COURT XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 5.XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity loan that reset to more than double the initial payment. The loan has a variable rate and keeps rising as the Fed razes rates. This loan has all the ear-marks of a predator loan. 

The lender, Bank of America, is not consistent in mailing monthly invoice. I call asking for an invoice to be mailed to me and I am told it is a courtesy.

How do I determine what to pay each money?

I tried applying for a loan modification a couple of years ago. I was assigned a case manager, Mr. XXXX XXXX. He was as Not, very courteous with me badgering me, curt in his replies and not even keeping our phone appointments to keep me apprised of the progress. 

Finally, I was fat out denied the modification. 

Recently, I received notification of a due date change to he XXXX from the XXXX. See the last invoice I got and the change letter. 

I am struggling now and have to wait til I receive retirement benefits to make the payment which is already late. 

How can they change the due date we have already agreed to and implemented for several months???

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 2017-05-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Please see : Complaint #  XXXX  placed to cfpb on  XXXX /2017..   At this time I have n't received any status on this Complaint. As of last week, it stilled showed in " Collections '' on my  XXXX  report. I contacted bo th ARS  and   XXXX    by phone. They seem to just point the finge r at one anot her with no results to remove this error from my report. This error has hurt me in trying to  get a Home Equity Loan.

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 2023-08-22
Company: EQUIFAX, INC.
State: PA
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 mailed Equifax a letter requesting that they reverse some late payments that is reporting on my credit report. I informed Equifax of the laws that are in place that prohibits my payment history being reported on my consumer report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: JFQ Lending, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear reader, JFQ Lending sent me a several letters entitled " Report of Available Funds. '' The letters are designed to look as if funds are available to me from a government institution or a non-business entity. It is not clear in the letters that this is an advertisement to refinance. The letter also directs consumers to an individualized link, seemingly an FHA site, but that link is not secure. The fine print of a letter does explain that this is an " offer '' that is not approved by or affiliated with FHA, a government agency, etc. However, this fine print contradicts the look and feel of the letter itself. I recommend JFQ revisit their letter structure to make it more clear that this is a loan opportunity to ensure that people are not confused. I also recommend that JFQ ensure that any website links provided are secure and include their company name. 

Also, thank you for the work you do at CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone has applied for Capital One Credit Card with my information! It is now on my Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit 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:
1-Recieved TODAY email i missed a payment with no explanation - new payment due XX/XX/XXXX, for {$98.00}. 2- CALLED XXXX SAID I MISSED XX/XX/XXXX PAYMENT. Not true... paid! Asked for manager. MANAGER stated i did not osy XX/XX/XXXX and " i was 32 dsys late '' even though today is XXXX XXXX XXXX " YOU CAN NOT USE CALENDAR DAYS to compute! '' " It is calculated by computer '' I ssked when is my due date? " no exact way to tell '' i filed a dispute. SHE SAID " I DO NOT HAVE TO PAY XXXX XXXX' I asked for paper statements since I never recieved their automated notice. THIS IS A NEW acct. WE PAID XXXX OK BUT WERE NOT NOTIFIED FOR XXXX! I am making a {$98.00} payment which should make balance up to date!

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 2023-07-31
Company: EQUIFAX, INC.
State: NY
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I had a  XXXX  's credit card in which I also purchased insurance for back   XXXX   XXXX  . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in   XXXX   which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had a  30 30 60 90 l ate payment in  XXXX  after 6 months in which I was no longer responsible for the bill . Two thin gs are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was trying to apply for a mortgage loan, and this account has been under my collection and never let my score go up. Initially, many years back someone used my name credit card to make the purchase at Macys. I knew about it later, but they told me that I do not have to pay If I didn't make those purchases. My score went very bad because of this account. I called macys asking for the information to send the payment, and they sent me a letter saying I do not have to pay. Now I want that account be removed from my collection account so I can work on making my credit score better.

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 2023-11-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased a software program from the company XXXX XXXX XXXX XXXX XXXX XXXX  and paid {$89.00} which was processed through PayPal. A license code accompanied the purchase receipt. The vendor is listed as XXXX XXXX XXXX. 
However, the license code provided did not function and the software rejected it as " NOT VALID - Error code XXXX '' I called the software company who told me it seemed that the vendor that sold me the software was selliing pirated programs. 
I then emailed XXXX company - twice - and received no response. 
On XX/XX/2023 I filed a complaint with PayPal XXXX agent " XXXX '' # XXXX ; subsequently received an email with Case ID XXXX. However, this case ID never appeared on my PayPal webpage and I had no way to access the complaint. 
I telephoned again on XX/XX/XXXX, spoke with male agent " XXXX '' who looked the charge noting that it was {$89.00}, then disconected the phone call. 
I telephoned a third time and spoke with male agent " : XXXX '' # XXXX who eventually said he cancelled the transaction and that I would get a refund by XXXX XXXX. 
However, XXXX also told me that the vendor would not be suspended and that nothing would currently be done with the issue that XXXX was hosting a vendor that was offering fraudulent software.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XX/XX/XXXX, I received a plastic American Express Prepaid Management gift card valued at {$75.00}. 
I stored it in a safe place at home. 

On XX/XX/XXXX, I checked the gift card 's status online at : XXXX XXXX XXXX XXXX XXXX I saw an unauthorized charge for {$65.00} that appeared to take place XX/XX/XXXX to XXXX XXXX. 

I called American Express Gift Card customer service ( XXXX ) to report the fraudulent use of the gift card. I noted that the card states it is replaceable if lost or stolen. 

A customer service agent said she could not do anything about the charge ; she referred me to XXXX. 

I asked her if she will report the fraud to authorities ; she said she would report it internally. 

I called XXXX ; a XXXX customer service agent said she could not find any record of the charge and referred me to XXXX to file a complaint. 

Neither American Express Prepaid Gift Card Management nor XXXX resolved my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: Medical Data Systems, Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Credit of XXXX XXXX XXXX date stated XX/XX/2023. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TD BANK US HOLDING COMPANY
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I will attach my complaint. We ( my wife and I ) purchased a couch from Raymour & Flanagan in XXXX XXXX. We took the credit application for the furniture. We provided up to date contact information on that credit app. We had only a copy of the app and awaited a payment/bill within 60 days. XXXX months have passed. We contacted XXXX twice in XXXX and XXXX to ask where our bill was. We were told the TD is processing the paperwork or they may have lost our application. Finally, we found out in XXXX that we were late on payments and our credit rating was downgraded. We contacted TD, despite many calls and found out that RaymouXXXX provided TD with contact data that was over XXXX XXXX XXXX. Neither the address nor the telephone was correct. 
Our credit rating caused us to get a high interest rate on a vehicle loan. We have never missed a payment on any credit we took out. It is completely out of character for us and would like our credit history erased by TD. It was clearly NOT our fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
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: Their investigation did not fix an error on your report

Complaint:
I sent certified letter to Equifax,   XXXX   and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have f or two y ears have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .

Company response to consumer: Closed with explanation