BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I signed up for a venmo account in order to receive a payment from someone. I received the payment. Whole waiting in line to receive the debit card venmo froze my account in claims that I may have violated their terms of service agreement. I not sure how I could have done so within the app due to the fact that the explanation for withholding my funds was only expressed in one sentence " Your account has been frozen. We believe you may have violated our terms of service agreement. '' I was attempting, in lieu of being able to use the account to pay for basic needs without at debit card, transfer money to a system that I already have in place in order to meet my basic needs as that was the purpose of money transfered to my venmo in the first place. Venmo has offered no explanation as to why I can not access my funds.Meanwhile, I sit here on the verge of losing basic needs such as a way to get to work, losing my job, not able to provide myself with nutrition, or self cares and pertinent medications that keep me healthy enough to function properly. My stability is hanging on by an accusation. This is financial no abuse. I am a vulnerable adult. I would explain this to Venmo but they do not afford communication in the opposing direction in order for me to accurately defend myself, which is also not ok. I will be making a report with the common entry point for a VA abuse investigation. Even if may have accidentally violated their terms of service, they should not, without proper explanation, giving me proper evidence and a way to defend my actions, be able to withhold my basic needs with a one sentence explanation as if I do not matter and not afford me the rights I am entitled to. They should not be able to stop me from meeting my basic needs or steal my money in order to " teach me a lesson. '' That lesson is resulting in my failure to thrive. I should at least be given the dignity to defend myself and not just treated like a reason for them to steal from me and not care that I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You don't mess with someones money without taking into consideration what that actually means. I have XXXX and this has mirrored past financial exploitation as well as triggered episodes of XXXX XXXX that has effected my ability to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is was charged off and should not be on my report period this account is from 2015 it's 2019 not my account this account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS OUTRAGEOUS! I have disputed this account with you before, and thanks to your hard work and investigation, the inaccurate account was removed from my credit. Caine Weiner has since reinserted the item onto my credit. THIS IS A VIOLATION OF THE LAW! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: DISCOVER BANK
State: PA
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:
Discover Student Loans recently changed its software program. As a result, the company did not migrate auto-pay and banking information for its customers to the new system. I did not receive notice of this until I logged on to my account on XXXX/XXXX/XXXX and saw that the payments for XXXX and XXXX XXXX had not been processed. I called the company that evening and they advised me of the software change. 

This loan entered repayment in XXXX XXXX when I graduated law school. I have made nearly eight years of timely payments. When their software deleted my auto-pay details, XXXX took away my on-time payment rate reduction XXXX 0.5 % ) and my auto-pay rate reduction XXXX 0.25 % ), which raised my interest rate from 3.5 % to 4.25 %. The representative could not guarantee that I would be allowed to have these reductions back, despite my years of on-time payments. 

I can only imagine that XXXX did n't undertake the likely simple process of migrating auto-pay information from its old system to its new to be able to take advantage of higher interest rates, late fees, and penalties from its customers. Fortunately, I noticed the missed payments before being assessed any late fees or penalties, but I 'm certain many others will not notice in time. The company told me they begin assessing fees and penalties after an account is 60 days delinquent. 

I would like my rate reductions restored, as I believe the company engaged in this practice with the intent of raising rates and assessing penalties and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company XXXX made a deal with the property owner it would pay all the debts if I moved out by XXXX and I moved out and they still charge me {$1500.00} by making up stuff about apartment thought I overstayed charge me late fees fixer up fees Etc what they did is Criminal they make up stuff and lie about it and I have to pay for their criminal activities. I will not be taken advantage they should be charged criminally in court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: AL
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, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on Equifax ) 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I reached out to Capital One Auto Finance in XXXX to see if they would be willing to make a goodwill adjustment to my account and forgive late status from the prior year. The request was denied and they have reported to credit reporting agencies that I have filed a direct dispute with them. I sent a followup letter to Capital One that I was not disputing the accuracy of the late payments but rather requesting forgiveness for the late payments due to my circumstances. Again I received notification that my account was being disputed. I checked my credit report and it sates that the account is being disputed. 

Since they have done so, they accept the obligation to treat it as they have interpreted it ... .. as a dispute. This triggers their obligation to conclude a reasonable investigation within 30 days, and send me a formal notice of results of that investigation within 5 business days after conclusion of the 30-day investigation period. 

I believe this is a violation of the direct dispute process under FCRA 623 ( a ) ( 8 ). 

Capital One can not consider and report it as a direct dispute and then ignore their obligation to treat it as such. 

My request was not frivolous or irrelevant. I was in the process of home buying when I submitted my request. Having a disputed account made the mortgage lender I was working with concerned. I reached out to Capital One a second time to clarify the request and have the " dispute '' removed and Capital One ignored my request. This caused me to lose my lender and now I have to start all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nothing. I just want this debt removed from my credit being that the car was repossessed and 8 months after you reported to my credit that the car was affected by natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a consumer by law this was not sent in error. my information was misused and I still have an account on my report that I have sent multiple letters and FTC reports in to be removed an account i recently sent was deleted but the other still remains, so what is being reported is not 100 % accurate. XXXX was removed but XXXX XXXX still hasn't

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 2017-11-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was charged an interest fee after I paid my balance off in full. My balance is due on the XXXX and my bill recycles on the XXXX I paid the balance off on the XXXX but I was still charged an interest fee. I have paid over {$2000.00} in less than 30 days but I am being squeezed for an extra {$15.00} I have been a customer with capital one for over XXXX yrs. and they claim I'm a valued customer I don't feel very valued I feel like I'm being robbed. I called customer service they gave me a song and dance about how there is nothing they can do about it I just have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Trans Union CRA is reporting an inquiry submitted by XXXX XXXX for dates XX/XX/2020. I did not authorize or give permission for XXXX XXXX to pull my credit for that date or any date. Therefore, I am requesting that XXXX XXXX to update their system reflecting this information and send to Trans Union to have this inquiry removed 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 2019-10-09
Company: EMCC Holdings, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company keeps calling me to collect a debt that is no longer owed. Chapter XXXX was filed months ago and I should no longer be getting these phone calls. I have asked them to take me off the list and they just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the CFBP.

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 2017-11-09
Company: STERLING JEWELERS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I opened a Jared jewelry credit account on XX/XX/XXXX. At the time Jared required 20 % down on all purchases for a year, I agreed and purchased some items, I called back on XX/XX/XXXX and asked what day would I be able to shop in XX/XX/XXXX without the 20 % down, and this company they have now called XXXX said that I should of never been charged 20 % down in the first place and let her ask her supervisor, so she gets back on the phone and sais, my supervisor said if you have any problems when you go to Jared have them call the authorization dept at XXXX, so I take an hour drive to Jared in  XXXX XXXX XXXX XXXX XXXX Michigan, and the clerk called and told her it ca n't be removed, so I called from the store and got a representative on the line told her I was recording this call for my clarification, and I asked her, to read the notes from my very first phone call to there company on XX/XX/XXXX this is what she said " customer wanted to know if 20 % could be removed spoke to supervisor and told customer it could be removed " I can send you flash drive if you need a copy this is deceptive practices and this report will be forwarded to the federal trade commission.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. 

Middle man JP Morgan decided to enrich itself by stealing then lying to everyone. 

The bank expects you the CFPB to do nothing about it. 

Since JP Morgan decided to steal then lie, I chose to I document everything to show the Attorney General & White House.

44 asked questions. 45 didn't care 46 wants answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
XXXX XXXX CRA is reporting an inquiry submitted by Jpmcb Card for dates XX/XX/2020. I did not authorize or give permission for Jpmcb Card to pull my credit for that date or any date. Therefore, I am requesting that Jpmcb Card to update their system reflecting this information and send to XXXX XXXX to have this inquiry removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
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:
Credit score drop due to the fact that XXXX put me on collections for a account thats not mines. And on my credit report they have the wrong name and birthdate.

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