BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: LA
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:
Im accordance with the Fair Credit Reporting act XXXX  Account # 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.

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 2022-05-18
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 XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX, # XXXXXXXX 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

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 2021-05-15
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally submitted a complaint through CFPB, which shows to be closed due to being forwarded to FTC ( CFPB Report # XXXX ). Included in original complaint was the debt collection agency, XXXX  XXXX XXXX ( CFPB Report # XXXX ). 
Information from CFPB advised " Company 's Response : The subject account was recalled from XXXX by XXXX the day this complaint was received. XXXX had previously provided Ms. XXXX debt validation. XXXX is no longer handling the matter, however has advised XXXX of Ms. XXXX XXXX continued dispute. Pursuant to the account recall, has requested removal of the account trade-line from Ms. XXXX XXXX credit history. '' Since this time, I have received multiple phone calls, and multiple letters in the mail, from Source Receivables Management ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. XXXX ) in reference to this same debt/issue. I have explained the situation to all of the representatives who called, and it has done nothing. 

Original complaint info : " Original complaint info : " Approximately 2 years ago, I opened a no contract, pre-paid, cell phone account through XXXX. It was pay as you go, paying PRIOR to using service. I paid for the first month, prior to using the service, and it was verified, multiple times, through the company representatives, that if I wanted to continue service afterwards, I would pay first then have service, if I did not want to continue, I simply did not pay and I would not have service. After many issues during the first month, I decided not to continue using XXXX, and prior to the end of that first month, switched over to another company. I then started receiving bills from XXXX, saying I owed for a month of service, which would have been for the 2nd month that I did NOT use. I spoke with them over the phone and by email, but continued getting bills. I then noticed it had been reported on my credit. Somewhere around XXXX of XXXX, I reported this issue with the credit bureau. They decided in my favor and XXXX was forced to remove the collection from my credit. Then, around XXXX of XXXX, I again started receiving mail and emails from XXXX XXXX XXXX  stating they were a debt collection company contacting me to collect a debt on behalf of XXXX, successor to XXXX. I used their complaint portal, on their website, twice now, fully explaining that I do not owe this debt, it was for service that was never used on a no contract, pre-paid, account, and that it was already removed from my credit once due to this. After submitting the emails, both times, I never received any messages from them, but have STILL continued to get inundated with emails and mail stating I owe this debt. I have spent so much time dealing with this one issue, for 2 years now, for something I didn't use and do not owe!!! I would like it stopped!! ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: EOS Holdings, 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: Account information incorrect

Complaint:
EOS CCA is reporting {$120.00} to my credit report. I spoke to six different employees and I am not confident they are doing anything to research and remove this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Previously filed a complaint with you regarding Capital One fraud attenmpt to collect {$7600.00} in fraudulent cash transfer claim. Referfernce CFPB # XXXX. 

I thought you had resolved this attempted action to tap my checking account for over {$7600.00}. Capital One issue me a new credit card in responds to my filing a complaint with you. I thought this card was cleared of the fraudulent transactions, only to find they flipped all the fraudulent transactions on to this card. they used this cards number to access my XXXX XXXX checking account for a payment in XX/XX/2023. XXXX XXXX took this payment back. They again went into my checking account in XX/XX/2023 using a Walmart " Merchant '' number and took out more money, which XXXX XXXX took back. 
XXXX XXXX advised me to close the checking account I've had for over 20 years as they can not stop Capital One from using the " Walmart Merchant '' numbers to access my account, as they have thousands of them. 

XXXX XXXX continued to harass me by posting false claims regarding this issue on every Credit Bureau service. Destroying my credit rating, that before Capital One attempts at Bank Robbery was over XXXX, and now in in the low XXXX. 

To add further harassment, they have turned over this fraudulent claim to a collection bureau, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I am XXXX, sick and need your help!!! Please Stop Capital One NOW! They shouldn't even be allowed in this country! They obviously are breaking the law in attacking my bank account and credit report repeatedly. XXXX XXXX has never received a cash transfer from Capital One to my checking account. For ANY amount. Not {$5200.00}, Nor {$2400.00}. These amounts were NEVER posted to my XXXX XXXX accounts!!!!!! AS I reported to you previously. 

Also do something about them ruining my credit. Is this against the law? It should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 non-monetary relief
Consumer complaint received 2021-05-16
Company: Paradigm Assets, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 I submitted a complaint regarding JHPDE and the reporting of information due to me being impacted on my credit reports. I was a victim of identity theft. I accept their response and I look forward to them clearing it up I appreciate that. The only thing is their response didn't include them stating that they will have the negative information deleted from from my credit reports. 

CFPB XXXX Can they please advise the removal from my credit reports as well. If it's what they meant with the reply to stop the collection etc ... can the please advise? 


They have reviewed my my previous documents and agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: JPMORGAN CHASE & CO.
State: AZ
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:
On XX/XX/2021 I called chase and told them multiple times I cancelled automatic payments on XX/XX/2021 with the merchant XXXX. Since then I have received no correspondence. I realized Chase sent me a letter 4 days after it was due, however I gave chase the information they needed to assist with my dispute. They credited me for 1 transactions and in total have gone through, in addition to OD fees they have not addressed. 

I also had another claim involving being overcharged by food merchants and Chase temporarily credited my account and without warning or explanation reversed the {$15.00} and change they credited. No one has called to ask about the disputes or gain more information. 

They have continued to allow an XXXX  refreshment charge that was also cancelled for {$5.00}. 

Chase has the worst customer service. I feel like I can only come here now to get resolution on cases or issues I am having with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/2023 I received a Venmo transfer of {$1000.00} to my Venmo account. This {$1000.00} is child support. On XX/XX/XXXX I tried to transfer this into my bank account. It would not transfer. A couple of hours after that, ( Meaning hours in the middle of the night ) I woke to my Venmo account being suspended. I received an email from Venmo stating that my account had been frozen and that I needed to provide proof of identification. I immediately emailed a copy of my government issued driver 's license. I did not hear back from Venmo until XX/XX/2023 stating that my account has now been deactivated due to activity that is in violation of their user agreement. Upon reading through their entire user agreement policy I found nothing that demonstrated any actions by myself that was in any violation. Venmo did not provide any description of violation. I have sent numerous emails to customer service for an explanation and a request to release my child support money. I have called their customer service number which only allows you to use automated prompts but not speak to anyone. I have sent emails each and every day requesting my money as well as an explanation from Venmo. I receive the same emails from different " team members '' from Venmo stating the same " copy and paste '' responses or automated responses.. I do not use Venmo regularly and when I do it is consistent and with the same people or local community events. I have received child support through Venmo. This has created an extremely stressful situation for myself and my family. I am not certain how Venmo can hold {$1000.00} of my money. This money on all accounts is legally my money, my child support money. I am in great need of this money. After doing a tremendous amount of research on the Venmo company it has been brought to my attention that this is something they have done to thousands of customers. How is this legal? The fact that they have no means of speaking with a live customer service representative screams " scam '' to me. How is this not criminal? Venmo has created a major issue in a household. I have filed complaints with the XXXX XXXX XXXX and after seeking legal advice it was recommended that I file a complaint with CFPB. This is now my third step to retrieve my money. I have contacted legal assistance on this matter as well, Venmo needs to return my {$1000.00} immediately. This is child support!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Truist failed to withdraw payments as set up and has not reported to the credit bureaus accurately. Truist continues to misrepresent the problem. I would not be complaining about this over and over on this matter if Truist would finally take responsibility. Even if what their research shows is correct it is still being reported incorrectly. Truist is responsible for correctly reporting what happened to the Credit Bureaus and have not done so accurately. 

My Dad was XXXX of XXXX during all this ... the last thing I want to be doing is dealing with Truist and the information that is not being reported correctly. Truist can remove or report the information correctly or I will continue to complain. 

What Truist is doing is wrong. When is somebody going to take action on 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 2021-05-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I contacted Nissan ( NMAA ) in regards to my lease. Nissan sent my registration for my lease by mail on XX/XX/21 and did not arrive to my home until XX/XX/21. The registration on my lease had already expired. Due to Nissan mailing it late, I incurred an additional fee at the DVM. I contacted on XX/XX/21 to file a complaint at Nissan and was told I would receive a call back. XX/XX/21 I called Nissan back to follow up why I didnt receive a call back since it was unfair I was charged an additional fee to pay online to the DMV. Nissan told me they do not do anything with complaints and told me oh well the additional fee they caused due to sending the registration late they would not do anything about and my problem. The representatives at Nissan not only dis not take a complaint seriously, but didnt care I had to pay more in registration cost. I was promised again for a second time a supervisor would call me back on XX/XX/21 which never happened. I fee discriminated and completely unacceptable that I paid an additional fee to the DMV for my registration due to Nissan not caring any causing me harm. I would like someone to look into this matter since I am getting nowhere with Nissan and no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the credit bureaus under compliance regarding credit reporting. I have disputed a few matters. All of which have never even been investigated into. Ive sent US Codes along with the description of the matter at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals. I need a proper reinvestigation along with a letter of deletion of every hard inquiry on my consumer report. I thought it was supposed to take 15 days. This has taken well over 60 days just to get empty envelopes back with my credit report on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I dont remember the exact dates but for the last 12 years I have been charged lots of overdraft fees for nothing. They used the automatic system to XXXX the customers with bunch of overdraft fees. You make payments on time they hold it and wait when your account is low and then they processed they payments and bring your accounts with negative balance so they can charge you {$35.00} overdraft fees. I am a victims of that 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 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I saw an unidentified and fraudulent charge of {$7500.00} on my card at night time. I called the Bank of America fraud line right away, told them I do not recognize this transaction. They immediately blocked my card, sent me a new one with a new number. They did not remove the charge and said it takes upto 60 days for it to be resolved. They kept on charging interest and fee on it. I stopped using the card till this issue is resolved. They send me a letter saying that they were unable to resolve it as it was done by the guarantor. Its a charge I dont even recognize as its a place called XXXX  which I have no idea what it is. Dont know what to do about it

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 2021-12-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, I leased a rental unit from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They imposed a MANDATORY rental ( insurance ) bond that had to be paid by me ( tenant ) in addition to a full {$1200.00} security deposit ( one month 's rent ). The rental bond was purchased through XXXX for {$350.00} and it's purpose ( as told to tenants ) is to protect us and so XXXX XXXX can be reimbursed through the bond in the event that I did not fulfill my lease or damaged property. I was told if a claim is filed and paid XXXX would seek reimbursement from me prior to forwarding to a collection agency. My lease ran from XX/XX/XXXX - XX/XX/XXXX. I moved out XX/XX/XXXX XXXX XXXX XXXX after providing a 30 day notice. Due to XXXX  - family members lost housing and landed on my doorstep. Management confirmed it would be a violation of my lease for them to stay at my apartment so I had no choice but to lease a bigger rental space. 

I moved on a weekend. There was only an assistant in the office who stated I would receive my ending balance or refund due in the mail. I was expecting a refund since the apartment was left in mint condition ( I have video ) and I would only owe pro-rated rent for my XXXX  days in XXXX. In XX/XX/XXXX, I discovered a collection for {$3400.00} on my credit report. My complaint today is for the following reasons : 1. Property failed to contact me or mail/send a Notice of outstanding balance due. They were provided with my forwarding address. 

2. The required claim was never submitted to XXXX to recover outstanding balance. The property was legally obligated to file a claim for any balances owed otherwise why mandate tenants buy the bond. 

3. The outstanding balance was sent to a collection agency/reported to all credit bureaus without allowing me the opportunity to be made aware of, pay or dispute the alleged balance. 

4. XXXX XXXX charged an unfair and excessive " Late Notice Fee '' of {$2400.00} as a fraudulent attempt to keep security deposit ( lease requires 60 day notice ). Pro-rated rent and utility totaled approx. {$1000.00}. XXXX did not apply any of the {$1200.00} deposit paid towards the balance. My unit was immediately rented after my move-out so the late notice fee charged is not justifiable. 

5. XXXX XXXX mandate tenants purchase these rental bonds for their protection in case of lease breach or default but do not file claims because it results in a kickbacks/profits for the property if minimum claims are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: VA
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:
Equifax seems to think it can use the XXXX  program they run as a excuse to lower my score. They ignore years of on time payments, no hard inquires, the same XXXX credit cards, and using the same bank XXXX XXXX  XXXX XXXX ) for XXXX years. Equifax can't seem to figure out that I'm not disputing what's being reported to them, I'm disputing their interpretation of it. They are being rigid and unyielding, and they are unwilling to admit the algorithms they're using are faulty.

Company response to consumer: Closed with explanation