BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-06
Company: Triton Management Group, Inc
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I am writing to file a complaint against XXXX XXXX XXXX in New York a debt collection agency. I called XXXX XXXX XXXX to let them know that I was mailing a XXXX dollars Cashier 's Check which someone named XXXX at the agency said that it was fine to mail in a Cashier 's Check. When I called I ended up getting the Operator of XXXX XXXX XXXX who then took matters into her own hands. When I explained to her how much money I was sending and that it was a Cashier 's Check, she then went off on me with vulgar language and threatened me with legal action. The Operator of the company then said, " We do n't accept Cashier 's Checks or Money Orders, the only form of payment that we receive are by phone using a debit card or credit card number only! '' Then I went on to explain to the female Operator of XXXX XXXX XXXX that by law any bank can take away a debit card or credit card when it has been abused! And I explained that I do n't have a debit card number or credit card number to give to XXXX XXXX XXXX. She said, " Who told you that you can mail in a Cashier 's Check?! '' I told her someone named XXXX from their company said that I could mail in a Cashier 's Check. The Operator of XXXX XXXX XXXX said, " XXXX had no business telling you that it was okay to mail in a Cashier 's Check! '' Then I told her also after coming from a Bankruptcy which my case was thrown out by the courts I have over XXXX bills to pay, so I will mail in another payment when I can. Then she used vulgar language by using the XXXX word ending in an XXXX, but I will quote what she said by putting blank in the place of the very offensive word she used. The Operator of XXXX XXXX XXXX said, " Do n't think that you can send money any blank time you feel like it! And we do n't accept less than XXXX XXXX dollars and you must be set up on a payment plan with a debit card or credit card! Or you can walk into XXXX XXXX XXXX and deposit the money into our account. '' I told her that there is not a XXXX XXXX XXXX in my area or even in the state that I live in from what I know! Then the Operator of XXXX XXXX XXXX began to argue me down by saying, " There is a XXXX XXXX XXXX in your state! '' The Operator of XXXX XXXX XXXX said, Yes it is! Yes it is! What state do you live in? '' I said, " Alabama! '' Then the XXXX of XXXX XXXX XXXX said, " Oh! Well you 're going to have to go and retain an attorney! '' I told her that I did not need an attorney. Once again the Operator of XXXX XXXX XXXX said, " You 're going to need an attorney and you are going to prison for not being able to pay Always Money! '' Then I hung up the telephone, since the Operator of XXXX XXXX XXXX upset me real bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: EQUIFAX, 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 Federal credit report act ( XXXXXXXX XXXX XXXXXXXX XXXX ) account number # XXXX has violating 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 82 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with XXXX, the scammer said they banked with XXXX XXXX XXXX and we should use XXXX. 

On XX/XX/18 at XXXX MST, I sent {$300.00} to XXXX XXXX XXXX an account under the name of XXXX . The phone number associated with the account is XXXX. I sent the money in exchange for football tickets. 

I contacted XXXX within 40 minutes of initiating the transfer as it was and is still pending. I was hoping they could reverse the transaction. They said they would file a complaint and that's all they could do. They did not tell me I would get my money back or if I would lose it. 

I contacted XXXX through their online form and told them the exact same thing. I received an email from them saying someone would get back to me within 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: WI
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:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened one CD account with Capital one on XX/XX/2023 with an 11month 5 % interest ; I entered and confirmed the external account around XX/XX/2023 then opened another CD around XX/XX/XXXX. To date, the accounts have not been funded and I called my bank ( XXXX ) who stated they do not show anything coming in to transfer the funds over ; I have called Capital One twice, they keep saying they have had " technical '' issues with lots of customers and those are no longer available. they can not transfer the money and refused to give me any information regarding an ACH Trace to prove they even tried to fund it. They now say that CD is no longer available and I would have to request to open a new CD 's at 5 % but it would be 12 months and I will not get approval for at least 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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:
The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I really dont know .I never received a Macy card net alone used one

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 2022-05-28
Company: WELLS FARGO & COMPANY
State: MD
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 credit report stated Wells Fargo balance was {$360.00}. I never owned this to Wells Fargo. But I paid it to help purchase a home loan. After hearing on the News of Wells Fargo false reporting. I needed to get my money back. Also Wells Fargo check for {$43.00} was returned stating insignificant funds.

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 2022-11-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received statement from PayPal Credit XXXX Synchrony Bank ) I never opened this account but, according to their fraud dept, it was opened in 2018. 
Statement shows balance of XXXX. 
I contacted XXXX  and informed them of the problem. Also, I have never used XXXX in any manner. Ive never had any type of account with them. 
They say they closed the account and I expect to receive a letter from them within the next 10 days. 
At this point, they are not holding me accountable for the money. 
However, I did receive this statement which has my correct name and address on it. 
I am trying to make sure I do all I can to protect my identity and credit.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: CO
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:
2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX XXXX 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # 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 2023-03-20
Company: Experian Information Solutions Inc.
State: IL
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:
Re : THIRD Dispute of Outdated Address Information on My Credit Report Demand for Immediate Action To Whom It May Concern, I am writing to express my extreme dissatisfaction and deep concern regarding the outdated addresses on my Experian credit report. This is my third attempt to resolve this issue, and your continued failure to address this matter is both negligent and in violation of the Fair Credit Reporting Act ( FCRA ). 

My only current and accurate address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX All other addresses listed on my credit report are outdated and must be removed immediately. 

Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. If you can not verify the accuracy of the disputed information, you must delete the disputed items. Be advised that failure to comply with the FCRA may result in legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

As established in XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies can be held liable for failing to conduct a reasonable investigation of disputes. Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that credit reporting agencies are required to use reasonable procedures to ensure the accuracy of the information on a consumer 's credit report. Should you fail to take the necessary action to rectify this matter, I will have no choice but to consider taking legal action to protect my rights. 

Your immediate attention to this matter is expected and appreciated. Failure to comply with my request may result in further legal consequences for your organization, including potential damages and attorney 's fees as allowed under FCRA provisions. Considering the legal precedents mentioned above, I trust that you will take this matter seriously and act promptly to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: SC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-03-20
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: Credit inquiries on your report that you don't recognize

Complaint:
The credit inquiry named XXXX XXXX is damaging my credit rating.

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 2018-05-21
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a Discover card member since XX/XX/2010. Today, I learned that each month, I have been getting charged for something called " Discover Payment Protection ''. This charges my card based on my current balance, and is currently averaging about {$60.00} per month. Over the past 8 years, these charges equal thousands of dollars. 

I was NOT aware of this " service '', and however I was signed up for it, it was not to my knowledge or with my explicit consent. The " service '' was never transparently presented to me, and Discover is unable to provide the documentation that kicked off the service for me in the first place. 

There was a lawsuit over this very issue, but Discover has since changed their policy to only refund 6 billing cycles worth of these " service '' charges ( as opposed to the full refunds that consumers have gotten previously ). I spoke to various people in this department of Discover, and all said that there is nothing they can do beyond the 6 billing cycles. They all kept reading from the same script, and not directly addressing my concerns. They claim that the monthly charge being included in my account activity and " newsletters '' are enough to notify me that I had this service. 

If you do not check your account activity, or do not read newsletters from your credit card companies, there is no other was to know this is happening. 

I feel that this I was signed up for this deceitfully and I am owed all of the money that has been charged to me since XX/XX/2010, not just in the past 6 months. I am truly considering leaving Discover and taking my business to another credit card company who doesn't use these low bar tactics to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: MS
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 did consent to authorize nor benefit from these accounts.

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 2018-11-20
Company: CITIBANK, N.A.
State: MA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX FL Value XXXX I contact the company, Citi Card, via chat around XX/XX/XXXX to report the fraudulent transaction and to get a new card issued. I was told that credit would be applied in three days. Since then, I have contacted Citi three separate times, where they say 2-3 business days for the credit to apply. 2-3 business days have long passed, without the credit. 

They keep kicking this credit down the road, and I can not reach a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MI
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 15USC1681. XXXX XXXX  # XXXX. XXXX  XXXX # XXXX. XXXX  XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX  XXXX # XXXX Department Of EdXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXdept of education # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX I lost my husband, I paid my mortgage off with the money he had left, he worked for the USPS and they put remainder of funds into a annuity account, my family wanted me to go to speak to a financial advisor to see what I should do with the remainder of funds, I was told at Wahcovia at the time to invest into an Money Market account and take out a Small ( XXXX ) revolving equity loan so I had a write off as I paid the home off, not sure what to do I trusted them but was not back to working and really did not need another payment as we had just purchased a new home. before he passed. I am 20 years into the loan paid a monthly bill whatever the payment was added to principal at times and never saw a amount off principal balance tried several times to to take out additional funds to fix up the home and upgrade, and was denied, also never told why exactly, I did receive paperwork about equity loans being given out at Wachovia with faulty disclosures and filed, but never received any following on that.. I had called and asked to speak to XXXX XXXX as she help out that day and was told she left the bank, I asked for what location she was at and was told they could not help me. I am asking now because I have a 40 year loan that I was never permitted to increase and was frozen in XXXX because of XXXX late payments,,,, also it was interest only payments for 20 years with a 20 year draw which was frozen 7 years into, and now they want payment high interest for another XX/XX/XXXX years on principal with again daily interest? I was even told to go to another company and ask for a loan to pay off this loan which I paid interest on for XXXX plus years..Seems like I am way overpaying on such a small amount my home has increased in value over the first XXXX, I am so confused and never heard of a 40 year loan and such long interest payments, ( 40 years interest ) .but I was taken advantage of at a rough time in my life I have stopped payments as this is not realistic, or fare to the customer. Please contact me for further information Thank you for your prompt attention to this matter 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