BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
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:
Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed 10 years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, 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 2022-12-16
Company: Credit Fresh Holdings Inc
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have made all payments on time ( less than 30 days late ) but the company decided to the report to the account 30 days late. XXXX was due on the XXXX of XXXX, and I made a payment on XXXX of XXXX which is obviously less than 30 days. XXXX different payments were due on the XXXX and the XXXX of XXXX, and I made the payment for both on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Yesterday, XX/XX/21, I found the promotional rate for the Venmo Credit Card on their website ( XXXX XXXX XXXXXXXX ) They are advertising double cash back for the remainder of the year if you apply before XX/XX/XXXX. I followed the steps on the webpage in order to apply, but was not allowed to apply. Today, I attempted again. The help section in the app directed me to call XXXX XXXX, at XXXX. I spoke to two representatives there and they told me that I needed to speak to Venmo because I wasn't even able to apply. They gave me the number for Venmo, and I spoke to a representative and his supervisor, and they told me that I can't apply, and that the application isn't even available for their employees. I told them that is not correct, and they should not be advertising a credit card, and then not allowing people to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I requested in writing that NCB a debt collection company should only communicate with me in writing. The telephone number that they are calling is a work phone and is on an unsecured line that can be monitored at any time by individuals who should not be privy to personal matters that pertain to me. I followed up with written communication via the BBB odr system again on XX/XX/XXXX to reiterate my request to communicate via writing only.. NCB has continued to call the line and even left a voice message which has resulted in me being reprimanded by my employer for using a work phone for personal reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} DEPT OF EDXXXX XXXXXXXX Balance : {$6300.00} DEPT OF EDXXXX  XXXX Balance : {$9600.00} DEPT OF EDXXXX XXXX Balance : {$4200.00} DEPT OF EDXXXX XXXXXXXX Balance : {$4600.00} DEPT OF EDXXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TRANSWORLD XXXX XXXX XX/XX/XXXX {$1800.00}. DONT OWE ANYTHING TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$500.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$480.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$450.00}. DONT OWE ANYTHING.
TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$71.00}. DONT OWE ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A woman called left a message on my voicemail stating that I was being sued. She left a number to call back. I called the number back a male sounding like in his twenties answered he sounded XXXX. He stated that they were going to sue me and pick me up at my home or my job if I didnt give them a credit card to put on file today. I explained I didnt have a credit card, and I just got a job I didnt have any money with me he kept repeating how much dollars do you have I said XXXX dollars. He then was getting very snappy with me I told him thats not good customer service. Your supposed to talk with the customer and try to help them. I told him you are threatening me trying to scare me. He then talked over me said he wasnt threatening me. I then asked if there was a number i could call back when i did get the money to make arrangements he said there wasnt it had to be done today. I said i couldnt do it today. He then got snappy again I asked him the name of the company to see if it was some form of fraud because he didnt sound legit he kept asking for a credit card he said they were called XXXX in XXXX GA. XXXX is the number the lady left me. I then said he was being rude and snappy with me and I asked to speak to a supervisor, he said please hold very smug and put me on hold i waited five minutes then they got back on and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have banked with Bank of America since I was XXXX XXXX XXXX. I am XXXX now -- so my entire adult life so far. I am not sure why I still bank with them because over the course of the last few years, there have been multiple issues that have brought me to this level. Today, when reviewing my checking account, I noticed dozens of overdraft protection fees charged to my checking account. I was completely unaware that there would be a fee associated with overdrafts because I have my checking and savings accounts linked. The point of that, or so I thought, was that as soon as my checking account balance is overdrafted, my savings would automatically and immediately fill in the balance. 

I always had sufficient funds in my savings to cover the expenses in my checking. The whole reason I stopped keeping a balance in my checking account is because my debit card with Bank of America has been compromised almost XXXX times over the last decade. Rather than risking this happening, I started keeping all of my funds in my savings account. Any direct deposit check I received, any deposit I made, and XXXX transaction -- all of it goes directly into my savings to protect it. 

I am sure Bank of America will say that the explanation is in the fine print. That is not enough for me. I should have had a representative call me and point out that my checking account was getting charged dozens of times in the same month, and what I can only assume may be hundreds of times over the last XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: FL
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 the days of XX/XX/XXXX & XXXX XXXX I made 3 separate transactions : two of {$470.00} and one of {$880.00}. It was to the company XXXX XXXX XXXXXXXX XXXX and for services they were suppose to fulfill. Since the day of the transitions and completing the requirement they asked from me the client in order for them to complete the services they promised. It was for an evaluation per transaction and if passed they would refund me the enrollment. By XX/XX/XXXX all requirements were fulfill as well as a request for the refund. The company from there in multiple forms of communication began to go around the situation and didn't want to do what they said. They rejected my reimbursement as continue to give excuses or ignore. During the same time after multiple broken promises and patiently waiting for these issue to be resolved nothing. I also saw on XXXX XXXX and other sites had nothing but negative reviews and how they were others in similar situations. I called Chase Bank to notify them of this company taking advantage of me and the experience. They credited me with a temporary credit to only come back shortly after and reverse the credit. They didn't give me a chance to dispute and send them further information to resolve this situation. After multiple phone calls and hoping someone can help they all gave me he same answer that this can't be appealed or disputed there decision. Now I have my account overdrafted with multiple other fees added as well as some of my funds lost in the reversal. I believe that this need to be looked into and they should have given me a chance to dispute. I now would like to file a complaint with Chase Bank and ask for a further investigation. I believe they should take responsibility on this on this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-05
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-06-30
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I file a fraud charge to the Navy Federal Credit Union in XXXX, Arizona, that appeared on my checking account and I had never been in contact with the merchant. I forget the amount of the fraudulent charge. But I think if was for {$44.00} The person at the credit union I talked to was very efficient and polite. She explained to me my debit card will have to be replaced and for me to destroy the one I had. Instead of waiting for it to be mailed to me, on XX/XX/XXXX, I drove seventeen miles to the Naval Federal Credit Union and requested replacement of my Debit Card. The debit card was replace immediately. I then made a withdrawl from my checking account, and was expecting an automatic deposit of {$320.00} to appear in my account on the XXXX of XXXX for XXXX XXXX. I was also expecting my retirement check for {$3700.00} from XXXX XXXX XXXX XXXX to be deposited into my account on XX/XX/XXXX. I received an email from XXXX XXXX XXXX XXXX that these deposits had been credited to my account. 

The following day I received an email from the XXXX XXXX XXXX XXXX, stating my password had changed successfully. I tried to access my account I entered my password and my account wouldn't accept my password. I also tried my debit card and I received a note that my debit card was frozen for XXXX year. I called the bank and complained about the debit card being frozen for XXXX year and the representative I talked to couldn't correct the problem and she said she has never heared of any Debit card being frozen for a year. I couldn't enter my account.nor could I use my debit card and I had to purchase a few items from XXXX. I made my selections on XXXX and paid for them by using my Naval Credit Union checking account and routing symbol and I didn't use the debit card. 
After I made these purchases in the amount of $ XXXX was notified by XXXX that there was a problem with the payment and I had to use a different payment method. I cancelled the entire order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was sued without my written consent and no knowledge of this alleged debt that the third party debt collection agency MENDELSON LAW FIRM claimed I owed. MENDELSON LAW FIRM has failed to send validation of debt and committed identity theft because I never gave written consent for them to use my social security number which is a federal crime/ fraud under the social security act. Attorney 's XXXX XXXX, XXXX XXXX, and XXXX XXXX are not obeying the FAIR DEBT COLLECTION PRACTICES ACT laws as well violating many more federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020 I received a a telephone call from a woman who identified herself as XXXX XXXX and stated she was calling on behalf of First Federal Credit Control, a collection agency and insisted I was indebted to XXXX XXXX Center in the sum of {$590.00}. I explained to her that the bill had been paid. She then threatened to impair my credit ( in a threatening, antagonistic and intimidating manner ) by reporting this debt to a credit reporting agency. Immediately after the threat she disconnected ( slammed the phone, in the old days ) the phone when I tried to repeat the bill was paid. Since it is easier for this senior citizen to hear conversations on a speaker, my guest, Mr. XXXX XXXX ..., heard the entire conversation. Since Ms. XXXX XXXX XXXX XXXX had information relating to my age and medical issues I believe she was trying to intimidate an old man.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: ENCORE CAPITAL GROUP 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 status incorrect

Complaint:
As of XXXX of XXXX, I had begun receiving harassing mail via XXXX  from Midland Credit Management with threats to take this matter to court from the time that the original company had sold this debt to this company. Midland Credit Management had always intended from its ownership of the debt to take this matter to court. I called Midland atleast 3 times to settle the debt and to handle the matter. Midland never reported the debt at any occasion until after it was paid, despite what their response implies to the consumer financial protection bureau. I had been checking my credit, and I had also had credit inquiries conducted upon my account, this account under XXXX XXXX XXXX took all parties inquiring myself by surprise as it had never been reported to credit bureau agencies by Midland Credit Managment until after the debt was settled. How can Midland Credit Management report that I owe the company a debt that had already been settled after it was settled and claim that it has the authority to continue to report this spurious claim until XX/XX/XXXX, because it has a dubious policy that it claims gives it the right to falsely report this settled debt as still outstanding? Government agencies must be vigilant about this company that is inaccurately reporting false information and harming individuals ' records because it deems it has the authority to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act the accounts listed below had violated my rights. 
15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish an account without written instructions. 

Please Delete the listed accounts. 
Disclosure ( Identity theft report ) 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
XXXX XXXXXXXX XXXX XXXX  XXXX Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXl ) XX/XX/2023 Equifax XXXX XXXX, 2023 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 2023 XXXX XXXX, 2023 XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/2023 XXXX XXXX, 2023 XXXX XXXXXXXX XXXX XXXX XXXX, 2023

Company response to consumer: Closed with explanation