BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
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:
Between, Experian, XXXX  and Experian is a violation act of the XXXX Reporting inaccurate date last active or last payment are not the same in each credit bureau

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 2018-02-12
Company: Nations Recovery Center
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX-18 @ XXXX XXXX I contacted Nation Recovery Center about a debt that showed up on my credit report that i wasn't completely sure of what it was. I was transferred to an agent XXXX XXXX who i inform i wasn't 100 percent sure of the debt and when he informed my of what the debt was I told him I thought it was cleared in a previous bankruptcy. XXXX XXXX inform my it wasn't. I proceeded to inform XXXX XXXX that I, m currently unemployed and would like to try and settle the debt, when XXXX XXXX proceeded to inform me that I'm lying and that I am current working. He then gave me the name of a former employer when i attempted to inform him that the information was incorrect but was told once again I'm being untruthful. I asked for a settlement amount on a {$1700.00} debt when i was put on hold and was offered a {$1300.00} settlement. When i tried to get a lower settlement amount and explain that I'm currently unemployed, XXXX XXXX proceeded to in form me that I'm lying. I was also told that " how can i afford to buy a {$30000.00} car last year with no job '' I explain that I brought it last year when i was employed. XXXX XXXX continued to claim I was lying and then inform me that I'm gone pay this debt one way or the other. He told me that they could garnish my paycheck, also that they can put a lien on my bank account at XXXX and at XXXX. Then XXXX XXXX told me that I'm going to have to pay them anyway because I'm trying to buy a house and the place where I'm trying to get the loan will make me pay which I never informed him of. I then told him I never said I was trying to get a house and he proceeded to tell me I was and name 5 other creditors that I paid off. At that point I asked to speak to a supervisor and then was told by XXXX XXXX that he is rejecting my settlement off and i have to pay in full then transferred me to a supervisor XXXX XXXX XXXX ( supervisor of civil judgement ). I explain to XXXX XXXX that I don't appreciate the threats and the interrogation tactics, XXXX XXXX seem to condone XXXX XXXX actions. I then asked that the call be reviewed by a supervisor and the appropriate actions be taken. I then inform XXXX XXXX that i want to settle the debt, When XXXX XXXX inform me that the settlement amount was off the table. I honestly feel violated and no company should have the ability to threaten you and call you a liar to make you pay a debt in which I reached out to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-03-03
Company: Credit Systems International, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continually am getting calls from a debt collector on payments that I do not owe. The company is claiming to be Credit Systems International and calling from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sent certified mail to validate alleged debt in which they failed to validate debt. Also, mailed failure to validate debt letter with no response. This is not my debt. I do not own this debt. I wish to have this debt removed from my credit report to never return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Radius Global Solutions XXXX XXXX XXXX XXXX, XXXX, PA XXXX Radius Global Solutions, ( XXXX ) XXXX keeps calling my place of business about a bogus debt. I specifically told them I would ONLY correspond by mail and asked for a verification of the debt. It has been 2 weeks and they have not responded by mail and they call me 3 and 4 times every day at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX from XXXX called me and employer and is harassing me severely. He stated that he was going to seize my assets and file a judgment against me. He would not stop harassing after I told him to please stop. He is referring to an old credit card that was over 7 years old. I am not even sure that this card is mine as he was not able to send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with Kraken wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing Kraken 's services in the total amount of XXXX GBP!, I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: AES/PHEAA
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:
I set up automatic payments, they stopped them. 
I saved my bank information, they removed it after being saved for months. 
I try to manually pay, nothing goes through. 
I try to update anything on their site, their site won't let me ( constantly errors out ). 
I emailed and called, no help. 
I can watch my interest accumulate, so there is that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to close my bank account with chase bank. I initially tried to do it via customer service, but was told I had to speak to someone at the branch. 

Seeing that They offer remote services through their website to schedule an appointment for service due to covid-19 concerns, i scheduled my appointment. 

Upon requesting to cancel my account, i was told it was the " only '' service they don't offer over the phone. If I wanted to cancel i had to come in person. This was XX/XX/2020 at XXXX. 

When I attempted to go to the branch to cancel in person, they seemed willing to help, until I mentioned I wanted to cancel an account. Then it was by " appointment only '' with no appointments available without me taking time off work. 

Meanwhile, despite making it imposible for me to cancel my account, they will still charge me fees for it. 

By making the process so onerous they guarantee that I'll continue paying them fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX my bank account was hacked for {$500.00} my federal benefits bank is connected to XXXX XXXX you need legal unauthorized transaction occurred. I had {$5.00} on my XXXX XXXX  account my bank account was linked to XXXX XXXX  eye contact XXXX XXXX  over the phone they did an internal investigation and discovered It's transaction did not transpire to my phone but from an unknown source they implied that it was my bank responsibility and they were not responsible. My bank inform me that they saw no calls of their error and told me that I was liable for that mistake or transaction I did not authorize {$500.00} to leave my account I did not even have {$500.00} on my XXXX XXXX I do not have on the digital receipt that's on my smartphone that you can not remove any information nothing about {$500.00} entering or leaving my account I also get knowledge to check excuse me XXXX XXXX it crashed and XX/XX/XXXX They were offline for four or five days a nasty for some resolution my bank is going to charge me for that money They asked me to send them G trans transfer paper or the digital print on my phone I don't know how to do that and also a email did occurred that I can't find it recharged came from an unknown source and had an icon of a cell phone When you please help me reserve this issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My original XXXXXXXX debt which is now managed by transworld services inc was discharged in a XXXX  XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for 11 years now on this debt that was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: UT
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 have disputed multiple times with Equifax and the dispute comes back verified. I want actual proof showing that every debt that i have disputed has been verified. I have not got shown anything. I am demanding how they verified that every account has been verified. Including contracts, agreements, written consent that I have agreed to a certain account. I want full documentation to show that i was the one who signed the contract. If not i want everything i have disputed removed and taken off from my credit report that is not mine. Multiple address and phone numbers as well. Confirmation numbers for disputes are XXXX and XXXX. I want equifax to send verification that the accounts were actually verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-03-03
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax ; XXXX and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: SYNCHRONY FINANCIAL
State: VA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

-15 U.S.C 1681 section 602 A., states I have the right to privacy.

-15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

-15 U.S.C 1666 B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update and remove/delete this account immediately please! Thanks in advance.

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 2020-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I've been with # capitalone for years but on XX/XX/XXXX I paid {$300.00} to my account and it NEVER went through on their side. It came out from my bank and was NOT returned. 

Over all this time I have sent in the proof that was requested no less than 5 times while speaking to Representatives that confirmed that yes I was right and I was not credited my {$300.00} to the cc multiple times as well. For some reason there was still an investigation where they credited me a TEMPORARY {$300.00} that they then took back claiming that they need FURTHER proof of the very thing that I have given them so many times already just in a different form. 

When they took that {$300.00} it put my credit over the limit and some bills I had on auto pay was return where they also charged me overage. I am in another freaking country and unable to call them at the moment while charges continue to build because I'm not paying them anymore of my money until they fix this. I sent in the additional request just before I left at the beginning of XXXX of this year XXXX! and they are not doing anything until I call them I'm sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX , has violated my rights.

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

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act XXXX  Account name, XXXX XXXXXXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX ( has violated my rights. 

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

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were pre-approved by Rocket mortgage for a mortgage to purchase a condo. 
Rocket received the MLS and all the information, including standard contracts by realtor about 45 days prior to closing : XX/XX/XXXX Property address is known to Rocket and the MLS listing information clearly states it is deed restricted through XXXX InDEED XX/XX/XXXX Appraisal states clearly there is a deed restriction and that this unit is part of the XXXX InDEED program XX/XX/XXXX Title commitment was sent to Rocket - this also states there is a deed restriction. 

We were then notified Tuesday last week, XX/XX/XXXX, that XXXX would not allow a mortgage on a deed restricted property. This notification was by phone from XXXX XXXX with XXXX. 

Furthermore, we noticed that the XXXX points loan was changed over the course of the last weeks to a points loan with a much higher cost, without any form of notification. 

One week before closing, we were notified, without forewarning that the loan was declined by XXXX underwriting. We were therefore going to loose {$75000.00} if we could not provide funding to proceed with the purchase of the property. One week notice. 

The financing options were more limited and we were at the mercy of a last minute very high interest loan, which we were able to arrange. 

Furthermore, we noticed that the XXXX points loan was changed over the course of the last weeks to a points loan with a much higher cost, without any form of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: OH
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:
In the 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. XXXX  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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