BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a dental care from XXXX XXXX. The XXXX work I received is very horrible. My XXXX are mishaps, can't eat or chew like they stated after putting XXXX. I can't chew before hitting my bottom XXXX  due to mishaps of XXXX. Also I have been charged for XXXX cleaning I never received. They have a sign stating satisfaction guarantee 100 % if u aren't satisfied they will refund. I'm not satisfied with mishaps XXXX as well as overcharging my account ( charging me for service they never done ) ( I have never heard a XXXX work charged before you have XXXX work done ) Due to the XXXX work ( XXXX  ) I can't eat food need chewing, I can only eat soft meals ( billing me {$6500.00} ) constant XXXX and my top XXXX  hitting my bottom XXXX ( that hurts ). I need XXXX XXXX XXXX to credit that amount back on my account. I am totally dissatisfied with XXXX  work i received as well as the tactical they are using, instead of Standing on their policy of satisfaction guarantee 100 %. I AM NOT SATISFIED BUT HURTING DUE TO THIS XXXX WORK I RECEIVED FROM XXXX XXXX ( XXXX XXXX ) ALSO I LOT OF PPLE HAVE POST ON HORRIBLE SERVICE THEY RECEIVED. Also I had XXXX XXXX out which didn't pulling, they stated I needed a XXXX, till now I think that was wrong. They are after making profit. They suggested I need XXXX of which I don't have bad XXXX but they wanted to XXXX   every single XXXX out but I refused. I feel like they pressured pple to have XXXX work so they can make money and charge u before they even perform any work. I will never go back. Take this horrible XXXX XXXX off my bill. Or pay for another XXXX   to fix mishaps XXXX so I can chew hard food with no pain. Horrible XXXX XXXX and constant XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Ive requested two of the bureaus to correctly display a credit card and they have informed me that I need to contact the creditor as I have and they have assured me they are correct and reported the information

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 2023-05-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My personal information was used to attempt to obtained credit with out my knowledge this have severely effected my credit score i reached out to each credit company and they have done nothing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive disputed with experian, XXXX and XXXX about 4 accounts on my credit file, Per the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX and XXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) Sincerely 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 2023-05-24
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 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 6/1/2016 15 U.S.C, 1681section 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 an 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 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 2023-10-27
Company: EQUIFAX, INC.
State: TX
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'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 2022-04-17
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Today at around XXXX I purchased a gift card to add to my sons XXXX XXXX. I placed {$60.00} on the card. 

I got home, gave him his gift basket and we went on with out day celebrating XXXX XXXX 

My son decided he wanted to waste his money at XXXX XXXX  XXXX so we proceeded to the store. 

We got to the register to pay for his items and only {$0.00} was approved. The rest of the money was declined. 

I was confused and pulled myself to the side and checked the balance online. The balance was at {$0.00}. And the transactions showed that someone used the card for XXXX XXXX XXXX XXXX 

I was furious because that was an unauthorized transaction so I called the vanilla gift card credit card customer service telephone number and the rep I spoke to tells me that there is nothing I can do and if I wish to place a claim I would have to wait until 7-10 days when the transaction shows posted on their end. 

I asked why did I need to wait that long? I gave them {$60.00} and now my son wishes to spend it. and why can they check to see where the transaction happened? How it happened? And how something like this can happen? He had no answers for me but just repeating for me to call back in 7-10 days perhaps 8 days to file a claim so they can investigate the transaction. I told him if he can notate the file or request for a new card to be sent to me and to block that unauthorized transaction and I was quickly cut off by the rep when I was talking saying that he cant help me anymore and hung up on me. 

How can this happen so fast? How can someone just steal the card number so fast like this and of course why did it have to happen to me. 

I dont have much to give to my son and here I am having to explain to him how there are bad people in this is world robbing gold people that just want there kid to have a great XXXX XXXX and now he is going home empty handed. 

I was the company to do whats right and just give me back my money so I can give it to my son. 
For the company to have better customer service that doesnt lack professionalism when speaking to paying customers. To feel as they honestly would have our backs rather than a scammers back when things like this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: FISERV INC.
State: FL
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:
MY NAME IS XXXX XXXX MY BUSINESS NAME IS XXXX XXXX MERCHANT NUMBER, XXXX XXXX I CONTACTED MULTIPLE TIMES WITH THE XXXX COMPANY TO GET MY MONEY BACK. THEY GIVE ME A FINAL SOLUTION TO GET MY MONEY BACK. THE CLIENTS, AND THEY DID NOT WANT TO DO IT, I ASKED THAT THEY SEND ME A CHECK WITH THE FUNDS ALSO THEY DID NOT SEND IT TO ME, THEY TOLD ME THAT I HAD TO WAIT UNTIL 2 MONTHS TO RELEASE THE FUNDS TIME PASSED AND I HAVE WAITING FOR MORE THAN 7 MONTHS AND I DID NOT THEY GIVE POSITIVE ANSWERS, I ASKED THEM IF THEIR INTENT IS TO WANT TO STEAL THE MONEY, THEY DID NOT GIVE ME AN ANSWER, I NEED TO KNOW WHEN THEY WILL GIVE ME THE MONEY, AND TRIED TO WAIT CALMLY BUT I HAVE NO POSITIVE ANSWERS, IT IS NOT NECESSARY TO LOOK FOR A LAWYER AND SUE THE COMPANY FOR FRAUD BEFORE A JUDGE, SINCE WHAT THEY HAVE LET ME KNOW IS THAT THEY DO NOT HAVE THE INTENTION OF SENDING ME THE FUNDS TO MY POSTAL ADDRESS, NOR MAKE A REFUND TO CUSTOMERS,,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Netspend Corporation
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:
On XX/XX/XXXX I learned that someone had hacked my Netspend pre-paid debit card and taken every cent of my Social Security monthly payment out of my account. I notified Netspend and learned that due to this my account with Netspend was now even overdrawn. 
Netspend told me that whoever did this used my card at a XXXX XXXX XXXX in XXXX XXXX, Ca. and I live ruffly XXXX miles from XXXX XXXX in XXXX, Ca. I called the manager at XXXX in XXXX XXXX and he told me that someone came into his store and purchased four ( 4 ) pre-paid XXXX cards each at a value of {$100.00} plus a {$5.00} tax for a total of {$420.00}. Netspend failed to even notify me of this going on, nor did they even consider this to be a stange transaction. There was also a purchase made at a XXXX XXXX and I've never been in a XXXX XXXX. I don't believe there is even one here in XXXX, Ca. Netspend would not tell me the amount spent at the XXXX XXXX! Netspend simply told me I had to file a dispute ( which I did ) demanding the funds be placed back into my account since this was the monthly Social Security funds I had just received as I had nothing to do with this. Netspend told me they could not do that and all I could do was file a dispute. 
I also took it upon myself to file a police report as well with the XXXX Police Department ( report # XXXX ) as well. Netspend also stated to me that someone had contacted them back on XX/XX/XXXX at XXXX claiming they were me and Netspend allowed them to change both my contact phone number as well as my email address all without confirming it was even me they were speaking with. Nor did they follow up and contact me asking if I had done this! I am XXXX XXXX XXXX and have had to go all month long with no funds since Netspend failed to replace my funds due to their negligence and failed security. Yesterday ( XX/XX/XXXX ) Netspend notified me they were NOT going to replace my funds and claimed they did an investigation. They did nothing! I spoke to the manager at XXXX again just last night and he never heard from Netspend so what investigation are they talking about? Plus the store video showed a XXXX couple making the purchases of those XXXX cards and I happen to be white and XXXX miles from XXXX XXXX! Netspend should be held responsible for customers funds yet they get away with simply doing nothing. They shouldn't even be allowed to do business as a financial institution and I hope you investigate this matter.

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 2022-12-29
Company: SLM CORPORATION
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a Derogatory remark on my credit score. Showing that XXXX XXXX XXXX XXXX has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be Sallie Mae. I contacted Sallie Mae and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My father and aunt have a joint checking account with JP Morgan Chase Bank, N, A. While my father lived, he granted me POA to access the account so that I could assist with paying my aunt 's bills. Upon my father 's death, I received POA for my aunt. I went to Chase Bank with this POA, and death certificate for my father, and it was rejected ( see Chase letter XX/XX/XXXX ). I have attached a scanned image of this POA. 

This POA had already been accepted by other financial institutions so that I can assist my aunt with her finances. I then executed another POA ( dated XX/XX/XXXX ) for my aunt that I submitted to Chase. I understand that this is the most up-to-date version of the New York State POA XXXX I have also included the scanned image of this POA. I received a letter dated XX/XX/XXXX rejecting this second POA. Images of both of these rejection letters are attached. 

My aunt is XXXX XXXX XXXX and living in the long-term care facility XXXX XXXX XXXX XXXX I ensure that her monthly bill at the facility, and personal incidentals are paid with access to her financial assets. She has granted me the POA to assist her. 

I have spoken with the Chase representative who can not explain the rejection letters I have received. There is no person to speak with at Chase Account Services or their legal department. I do not understand why I am not being granted POA for my aunt 's account. As you can read from the two letters, the reasons for the rejections changed. Out of frustration, I am writing to you in hopes that you can shed light, and hopefully rectify this issue. 

If there is another form that needs to be signed by my aunt, I would like Chase to let me know. Getting these punitive letters is not a solution or a fair, customer friendly, way to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: GA
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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I sent a Bill Pay check on a relative for {$600.00}. I have sent money through Capital One 's Bill Pay before without an issue. When my relative reached out a week later saying they had not received it and reached out to the card investigation team. They told me that the check was en route and to wait until Friday the XXXX and if had not been received by then they would put a stop on the check. 

I reached out that Friday the XXXX and was told that they opened a case to stop the check. I received an email Monday the XXXX saying that the request had been denied. I called again and was told that they would re-open the case after I re-explained my issue. On Monday the XXXX of XXXX I called again and they assured me that the money would be put back in my account in 1-3 business days ( by the end of day Thursday at the latest ). When the money was not posted I called this past Tuesday, the XXXX, to complain that the money had not been returned and they again promised the money would be returned in TWO business days ( end of day Thursday ). I reached out again today since the {$600.00} has still not been returned and I was told by the employee and supervisor that the money would not be returned to my account until Friday or Monday which is now 10-11 business days after they told me it would be returned. The check STILL has not arrived at my relatives address and it has not been cashed. 

I told them I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, 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:
after reviewing my credit report with XX/XX/XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/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 2023-10-27
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: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Carvana Group, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have new and updated information for the complaint # XXXX with XXXX. 

I received communication from XXXX on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on XXXX dated XXXX. XXXX has violated my consumer rights under the FDCPA. 

I have attached a copy of the communication that was sent by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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: Account status incorrect

Complaint:
This is XXXX 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 non-monetary relief
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account # 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 Date opened- XX/XX/2017 Account # 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 2022-09-10
Company: Experian Information Solutions Inc.
State: GA
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 act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation