BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I started dispute ( XXXX ) on multiple Transactions in my credit card account starting in XX/XX/2021. Discover said they would look into the disputes and gave me my money back from these transactions. 3 months later they reversed all the disputes and said I owed them. The entire three months they reported balances on my consumer credit report. I told them they committed multiple violations under Title XXXX Chapter XXXX XXXX ( B ) and ( d ) Correction of Billing errors by taking more than XXXX billing cycles to finish the investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transaction thus ruining my consumer credit report and once I brought up that issue they said they are going to close my account if I dont provide my Social Securty Number for authentication purposes. I demand payment of {$6000.00} for all the violations and my account to remain opened because I never gave them permission to attempt or to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My Name : XXXX XXXX XXXX Dates : Attempt to contact Experian on or around XX/XX/XXXX Remedies Attempted : Left a voicemail through one number. Filled out PIN request with zero response. Could not speak to a live person. 


On or around XX/XX/XXXX, I completed the Experian online form to retrieve my security freeze PIN and have it sent to me [ https : //www.experian.comXXXX ]. I placed a security freeze on my account on XX/XX/XXXX and paid {$3.00} based on the state I live in. In order to retrieve my PIN, I filled out the form and submitted copies of my Driver 's license and all required information. I never received a PIN in the mail or any correspondence from Experian via any other means. I attempted to contacted Experian using their customer service number of XXXX, but could not find a way to use the automated system to either retrieve my PIN or to speak with a live person. I tried a few different ways and searched their website and had no way to contact them. 

I am looking for one thing, and that is a copy of my security freeze PIN so that I can choose to temporarily or permanently lift my current security freeze if I so choose. I had no problems retrieving my PIN from either XXXX or XXXX, only with Experian. Please assist me and have them reach out to me and/or provide a way to contact a live person. It is ridiculous that they control my credit reports yet I have no ability to speak with customer service reps with my problem.

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 2023-06-12
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet debited my account after my loan was paid off under consolidation, and sent this payment unbeknown to me, to the new service provider. They claimed they had the right to do this because I had signed an automatic payment agreement with them. But my agreement was with them to make payments to. It did not authorize them taking money from my bank acct. to pay someone else. Besides they told me the automatic payment system was stopped in XXXX of this year after the loan was paid off. My bank acct was debited by them and indicated through my bank statement, on XX/XX/XXXX. If I had not checked my bank statement I would not have known because I was never informed of this taking place. When I discovered this payment was made, I called and they told me a check for the amount would be sent to reimburse me. It would take 6-8 weeks. I waited 10 weeks and after receiving nothing, I called again. First they told me I should have received it and put me on hold, then they told me the money was sent to new provider and my money would not be refunded. When asked who authorized this they said it was their policy. I hadnt even started a payment plan with new provider yet. I should have been informed by Nelnet that this was done. This is literally stealing money from my account!! How many people have they done this too without providing any information or authorization???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A person called me from a unknown number stating they were trying to find out if I would be home to be served legal papers by a process server. I asked suprisingly what legal papers. The guy said XXXX XXXX law firm. He asked if the address he was giving me was mine. I said, " I don't know what your talking bout? '' The man calling as a process server gave me a number for XXXX XXXX XXXX. I called the number and know one answer a few minutes later a guy called back and said did someone call this number? I said, " Who is XXXX XXXX, They guy said, who is asking. I told him who I was and he told me i owed a debt on a XXXX XXXX. I said, " Know that car is paid off. The guy told me that i had not paid the car note since XXXX. I said, The XXXX has been paid off. Is this a scam or something? The guy began to holler at me. He told me I should pay my bills. I said, " The car is paid for. '' He asked for proof. I had nothing more to discuss with the guy. 
I was pretty shaken by the call because the car was paid off. I have know credit issues at this time. God bless those challenged, because i have had problems in the past. I am not perfect but I don't want to feel like I am in a pool of people searching to see who they can prey on. The other thing is there has never been any credit or collections concerning the XXXX XXXX on my credit for anyone to call or have a man to come searching for my address to serve me. It is very dangerous in America at this time. I want to find out my rights and also how to make my information private. I want to be harassment free people preying on innocent folks concerning debt, public access to my name, and address, phone number, and any unauthorized person invading my privacy regarding.

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 2021-12-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My score dropped suddenly yesterday by 10 points and your report shows no explanation whatsoever for the drop. I need this explained or fixed right now. PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX have any type of block on it thank you.

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 2023-06-25
Company: EQUIFAX, INC.
State: IL
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. 

XXXXXXXX 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 XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: Diaz & Associates, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diaz & Associates sent me a collection letter for debt that is not mine. I have no outstanding debt, besides student loans. I googled this company and there many others who received similar letters for debt that is not theirs. This company is attempting to scam hundreds or perhaps thousands of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, Capital One deposited and then reversed a check that I mailed to them. I had send two checks, one for {$88.00} and another for {$220.00}. The {$220.00} check is in dispute. My wife and I received a tax refund from Virginia State, and it was addressed to both of us. Both of us signed the check, and then I mailed it to Capital One. On XXXX XXXX, Capital One deposited the check, and then reversed the check. When I chatted with 'John ' on XXXX XXXX, I asked what the status was. He informed me that they won't deposit the check, as we don't have a joint bank account. However, based on what I can find and per prior practices, they will deposit the check as long as both parties sign the check. They are being discriminatory in refusing the deposit. Additionally, they are not returning the original check, but are only sending a copy. I have told them that they stole my fing check and aren't returning it. I asked multiple times, and they have failed to provide a written policy on why they did this. I have not received the check back. I believe they are discriminating against us, as they could not provide a written policy to back their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from Diversified Consultants on XX/XX/18 while at work. The representative informed me that they were attempting to collect a debt on behalf of XXXX XXXX XXXX. I explained I had not been an XXXX XXXX XXXX customer for over a year and did not understand what they were claiming a debt. I explained in order for me to continue with looking into this issue I would need documentation to the debt owed. I requested this documentation be mailed to be. Diversified Consultants failed to follow through with this request. They have since reported to the credit bureaus false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX -- I received unsolicited prescreened credit card offer from BANK OF AMERICA ( BOA ) for card with 0 % APR for the first 18 billing cycles. I accepted this offer to purchase expensive XXXX XXXX, allowing me to FULLY pay off balance before the end of the 18 billing cycles. I planned to make recurring FIXED $ 250 month payments using the usual autopayment options. No problem - easy right! WRONG - BOA rigs their online payment system to prevent FIXED payments. 
XX/XX/XXXX - BOA XXXX XXXX XXXX XXXX approved XX/XX/XXXX - purchased expensive XXXX XXXXXXXX with new card XX/XX/XXXX - made {$1.00} online test payment in anticipation of autopayment process ; Told by customer service can NOT set up autopay until receive first e-bill. 
XX/XX/XXXX - received first e-bill and attempted to set up fixed $ 250 monthly recurring payments. Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXull balance payment of over {$3000.00}, EVEN THOUGH online BOA payment screen clearly reads ... '' You can also set up AutoPay based on the custom dates, amounts, and other details you choose ''. Also Txt response for HELP payment button gives FIXED payment as a third option. Service rep stated BOA stopped Fixed payments in XX/XX/XXXX!! This is FALSE ADVERTISING AND DECEPTIVE. BOA wants their users to miss payments and then pay a LARGE interest amount. BOA is preying on the working poor and elderly. Shame on BOA!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To Whom may concern, This is at least 3rd time Im writing this letter to the report unauthorize hard pull inquiry from XXXX XXXX XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), creditors must provide accurate and timely information to credit reporting agencies. However, I noticed Equifax still ignore this issue and havent removed hard inquiry from my XXXX XXXX XX/XX/2023. 
I stated in previous emailed that I never authorized a hard inquiry from XXXX XXXX and that I only authorized XXXX XXXX XXXX pulls only. I called XXXX XXXX but of course no one is taking responsibility for it. XXXX XXXX bank keep saying that how there system work but clearly the whole time the representative didn't explain me clearly there a hard pull fallow by soft pull? 
XXXX XXXX keep blaming that how their system work but never explain to me in details especially my XXXX is limited. They even told me I must be a customer for 12 months. Hold on, I just opened a XXXX XXXX account less than 1 month! In this case clearly the representative didnt do her job right and was not even supposed to pull a soft pull from my credit in first place! That just shows mistakes after mistakes from XXXX XXXX side and never admit they we're wrong and keep blaming how there system work. If I know how XXXX XXXX bank system work then I would never get this hard pull from them in first place. It their job to explain to me clearly not my job to now how XXXX XXXX Banking system work. 
XXXX. XXXX XXXX XX/XX/2023. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. contacted for information. Please investigate and update these items as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed bankruptcy and want to affirm the note but Shellpoint will not respond to me or my attorney. 

I tried to call the bankruptcy division as suggested by XXXX XXXX and there was no bankruptcy division. The phone just made circular suggestions and kept sending me back to the main number.

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 2023-06-12
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Goldman Sachs closed my account without warning. I have had the account almost 4 years and have had a stellar relationship with them. I have never had a dispute with them and even used the card today for a {$2.00} transaction. 

This is what the email said without much context at all. 


Your Apple Card account has been closed as of XX/XX/2023 and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My identity was stolen and these fraudulent account were opened in my name. 
I have reported the identity theft and attched the filing documnets to this complaint. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had a 10k credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
The Credit Bureaus are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data 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 2023-11-10
Company: EQUIFAX, INC.
State: PA
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:
Due to identity theft, I request the removal of this fraudulent inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief