BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: CITIBANK, N.A.
State: WI
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: Overcharged for something you did purchase with the card

Complaint:
DO NOT BUY ANYTHING FROM BEST BUY I purchased an electric oven from Best Buy on XX/XX/XXXX. 

They sent me a receipt with a charge for {$1000.00}, but they charged my credit card {$1300.00}. 

When I purchased the oven I added a service called Totaltech, which costs {$190.00}. It is a protection service and offers help with appliances. 

When I received the oven ( XX/XX/XXXX ) I saw for the first time the oven company warranty, which included the services I was interested in. The warranty is not available on the site for the oven at Best Buy. 

On XX/XX/XXXX, I contacted the company to cancel Totaltech service. They told me that my receipt did not include the service and that I didn't have it. Another agent told me that I had it but had been canceled. Attach you will see the receipt that I got and the charge on my credit card. 

I don't care whether I had theTotaltech membership or not. I want my money back : {$190.00} and whatever taxes or charges were tagged along. 

I want them to refund me the difference between the charge on the receipt and the credit card charge. 

They are a horrible company with thousands of complaints at the XXXX and for some reason, they have an A+ rating. 

They keep sending me from one agent to another and making me wait for hours. I did manage to talk to an agent yesterday who said he could not make sense of the difference. He said that he would escalate it. Attached ( last photo ) is also a photo of the " chat '' I started at XXXX XXXX today ( XX/XX/XXXX ) and the current time at the top is XXXX XXXX. That is how long I have been waiting for an agent to show up. 

I have read complaints at the XXXX of people trying to get their money back still after a year. I don't want to deal with this for that long.

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 2022-05-02
Company: DISCOVER BANK
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I went on line to get a loan with Discover Personal Loans in XXXX. The loan was approved and I had the funds deposited into my daughters account and set up automatic payments to come out of the same account. The funds were deposited and a payment was taken out of the account. On the XXXX of XXXX my daughters bank account was charged a hold of {$880000.00} because Discover assumed there was fraud. The did not speak to me or do anything to verify that this loan was in fact good. I spoke to Discover personal loans on Friday morning and they assured me that they had reached out to my daughters bank and that they removed the fraud claim. My daughters bank, XXXX  XXXX XXXX said that they told Discover that they had to receind the claim in writing. As of Monday morning XX/XX/22 they still had not sent the letter to XXXX  XXXX XXXX. Discover said that they had to send the letter to their legal team before they could send it to XXXX  XXXX XXXX. This whole mess could have been avoided of Discover had done their due diligence and spoke to me before filing the claim in the first place. They are quick to wrongfully assume something but slow to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TN
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. 

Account XXXX XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX  : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX : XXXX XXXX, Account XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have XXXX Im sitting here and received a call from Sunrise Credit Services harassing me over a so called debt I have with XXXX internet services I had. XXXX messed up my bill several times stated I owe money for a modem I never received and they charged me for an extra month of internet services after I requested a disconnection. This is not legal for someone to charge you an extra month of internet services if you requested it be disconnected. I never received a final bill from XXXX I received a collection call from Sunrise credit services and havent received anything from them in the mail either. If anything is placed on my credit report I will file a lawsuit against both parties XXXX and Sunrise Credit Services.

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 2021-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing put a lender required flood policy on my account and will not remove. I have been actively trying to resolve this issue for one month. I have lived in the home for over 6 years, all with mortgages held by various providers, and have never been required to carry flood insurance. Select Portfolio Serving ordered a Standard Flood Hazard Determination Form what came back with flood zone AE. I provided the same form that was completed 2 months earlier during my refinancing that shows the property in flood zone X and flood insurance not required. The form does note that part of the property is in a flood zone, but all structures are not affected and not in the floodplain. This SFHDF is attached. I call Select Portfolio Serving weekly. I can never get the same person and each time I am told flood insurance is required with no further details. Despite trying to resolve the issue before that date insurance was required, I got nowhere with this company. They put lender flood insurance on my account and will not remove it or provide details as to how they are making this determination. My mortgage is being transferred on XXXX and I would like this resolved before the transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
There is an account opened on my credit report from XXXX or 2023! The account is XXXX XXXX XXXX  the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.

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 2021-07-30
Company: EQUIFAX, INC.
State: TN
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 have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
there are addresses on my credit report that i have never lived at. 
also there are 5 ( five ) different spellings of my actual birth name, some are correct and the others are not.

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 2023-06-27
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I'm XXXX XXXX received a debt collection letter from uscb America stating I owed a debt of {$88.00} I had no knowledge of this debt. I responded to these allegations XX/XX/2023 uscb America was in receipt of my response the same month I have a certified receipt showing proof in accordance to us code 15 section 1692 g I demanded a hard copy of the original signature for validation I received some type of document with a signature that does not belong to me further uscb America is in violation of the HIPAA by furnishing documents of my past visit to XXXX I have documents that XXXX furnished to me as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: LEXISNEXIS
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 requested LexisNexis to freeze my account and they refuse to process my request due to lack of identity documents. Copy of my passport, bank statement were submitted. My driver license is not current, However, proof my address were submitted as well..I believe that I submtted the necessary ducumentation. They also stated that were not legible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An apartment was rented that had began leasing on XX/XX/XXXX in my name. I was unaware of this until Saturday, XX/XX/XXXX when I received a notification that a collections account was added to my credit report. It is in the amount of {$24000.00}. I contacted the debt collector and they gave me a list of items to provide to prove that this is identity theft. This is the third apartment that has been rented using my identity in the past year, and the debt collector mentioned having a fake drivers license and paystubs in my name as well. I live in a completely different state than all 3 of these apartments and am trying extremely hard to remove them from my credit report as well as have these individuals handled properly as this is criminal behavior. I have since gotten identity theft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Navient Solutions, LLC.
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 student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXXXXXX XXXX XXXX, I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX bank opened on XXXXXXXX XXXX XXXX I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

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 2023-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Sued and garnished for over {$6000.00} by portfolio recovery associates. I believe used illegal collection tactics. Without legal notifications. I have court XX/XX/2023 with this collection company. Look forward to disputing the claims in court. No surprise that this company is currently under investigation. Typical behavior from a company that will do almost anything for the almighty dollar. Hope this company is investigated thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-06-27
Company: Paycheck Solutions llc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My employer received a call today and yesterday from this company wanting an email address or fax # to send a document to garnish my wages for payment of this debt. They called yesterday at XXXX central and again today at XXXX central. I know it is not lawful to threaten or even attempt to garnish wages in the state of Texas to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX {$6800.00} / {$5200.00} XXXX. XXXX XXXX XXXX acct # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$750.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Experian, XXXX XXXX, XXXX HAS VIOLATED MY RIGHTS AS FOLLOWING 15 U.S.C.1681 SECTION 602A STATES I HAVE THE RIGHT TO MY PRIVACY 15 U.S.C. 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2023-06-27
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled XXXX service but I paid a final bill of XXXX XXXX sent me another bill for {$100.00}. I put that bill into dispute with XXXX who later ruled in my favor. Since that time, XXXX collection agencies have tried to coerce me into paying. This last agency has tried to intimidate me by saying theywillnot contact me again but they are implying further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX  XXXX  XXXX  use  
XXXX
XXXX  XXXX  
XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX/XXXX
XXXX  XXXX  XXXX  XXXX

not  mine 
and address not mine 

XXXX  XXXX  
XXXX  XXXX  XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX

Company 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 2021-07-30
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After graduation, I contacted the discover student loan department to get on a payment plan and was manipulated to believe that as long as a made the minimum payment my principal loan amount and interest rate would not fluctuate and I would be safe from negative amortization. This apparently was not the case. My original XXXX student loan with XXXX % interest rate, resulted in my paying a total {$14000.00}. The total break down of that amount is as follows. Final principal interest paid is {$9100.00} and total interest paid is {$5600.00}. In return, trying to keep up with the accruing interest and principal while I was making their " minimum payment '' caused me to become financially unable to get on a payment plan with federal student loans. the result was the treasury department garnishing my 2018 tax return, in which, they took money from my child dependents which is against the law. I understand paying interest but the end result when I was making minimum payments allowed Discover student loans, over the course of 3 years to take advantage of my minimum payment situation. They did not look out for the borrower and then end result was an interest rate of XXXX %. In my opinion, this was malicious. I was forced to pay off the entire loan while my young family had to suffer from lack of money due to what had occurred. Even when I called back discover student loans on the phone the representative was shocked when he looked at my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Aargon Agency, Inc.
State: NV
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. # XXXX, and AARGON AGENCY # XXXX, have 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 an account without my written instructions I have not given either of these debt collection companies written instructions to fur
nish any accounts and as such they are violating my right to privacy.

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One requested a hard copy of my credit report without my authorization. 
Based on their privacy notice they must request a hard credit inquiry and based on the noticed I received from XXXX is that they received a hard copy of my credit report. This had a negative effect on my credit score.

Company response to consumer: Closed with non-monetary relief