BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: NC
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 am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: SYNCHRONY FINANCIAL
State: NC
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:
I was contacted twice by a courier service wanting to deliver paperwork to be signed by me for legal action. After the 2nd call, I contacted the company Collection Agency that requested the paperwork be delivered, XXXX XXXX and spoke to someone who was not only very unprofessional, they also threatened me and hung up on me. They provided me with the last payment date of XX/XX/2014 and the name of the company, Care Credit was suing me for the balance owed in excess of {$3000.00}. If this is a legitimate credit company, they should not only know the laws of the Statute of Limitations for the state they are collecting in but should also be professional when speaking to customers.

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 2022-12-14
Company: Affirm Holdings, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Affirm credit showed up on my credit reports for 8 or more items that I was never contacted about in writing, which is a requirement of Massachusetts laws. When I tried to contact them, they would not give me any information and just told me to pay. Now the keep calling me and demanding payment after I told them to write to me the debt claimed and provided proof that it's mine. The have violated the Fair and accurate reporting act. the fair debt collection act, and numerous laws within the XXXXXXXX XXXX Massachusetts to include XXXX XXXXXXXX for Unfair Deceptive acts and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet.

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 
Account name XXXX XXXXXXXX acct. # XXXX, acct. name XXXX  acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct.name XXXX acct. # XXXX, acct. XXXX XXXX XXXXXXXX, acct. # XXXX, acct. XXXX XXXXXXXX XXXX XXXX. acct. # XXXX, acct. name XXXX  acct. # XXXX, acct. name, XXXX acct. # XXXX, acct. name XXXX XXXX  acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
My XXXX XXXX of an ex boyfriend used my debit card. I already had to get a school version of a restraining order against him while the district investigates him for XXXX  XXXX. When I was over at his place on Thursday XX/XX/2018 I stepped out of his room with my bag still in there. My guess is that he took pictures of my card. Later that month on the XX/XX/XXXX I saw around a {$90.00} transaction for something I had to XXXX. They turned out to be dieting pills, the same exact ones I saw on his mother 's dresser. It was a messy breakup and obviously still continuing. Chase said they can take my money back any time before XX/XX/XXXX while my account was frozen for weeks. I am trying to press charges here because it is beyond their scope and hope he gets properly reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 around XXXX, I was trying to deposit a cash thru ATM machine BBandT branch in XXXX XXXX XXXX in Pennsylvania XXXX. However, my cash was eaten up by the Atm machine. I inserted XXXX US dollars, XXXX dollars each bill. When the money was inserted to the deposit slot, it appeared on the screen that this ATM machine is not available for deposit transaction now. My money was left inside and I tried to log on again and XXXX was not posted in my account. I called the customer 's service of BBand T that time and reported the incident. then the day after, XX/XX/XXXX, I contacted the bank manager and she told me she would file a dispute about this. Then on XX/XX/XXXX, I received a provisional credit of XXXX while investigation is ongoing. I received some paperworks and completed and signed them then submitted back to them by the bank manager. Then XX/XX/XXXX, I received a letter from Fraud and Dispute Center from BBand T bank informing me that they concluded that no error occurred in the ATM and they will reverse the provisional credit. I am wondering if they did any good inspection of the said ATM machine and checked all the cameras and transactions happened XX/XX/XXXX. They said in their final letter that transactions were checked XX/XX/XXXX, whereas my case happened XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Upstart 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: Investigation took more than 30 days

Complaint:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was attending XXXX XXXX of XXXX back in XX/XX/2016. I was granted financial aid and the balance that I owed was added to my government student loan account. I have proof that it is being paid through my student loans. However, the school was immediately closed down due to fraudulent practices by the federal government and I was never able to complete my program but was still responsible for the amount that was added to my loans. So this company ( XXXX XXXX XXXX ) claims I owe them {$280.00} from the school but they have not produced any information in writing. They added to my credit report for non payment and has damaged my credit. I have tried to reach someone at this company but there is NEVER a live person that can answer the phone. Every time I called the number on my credit report it goes straight to a voice mail machine on the very first ring. And NO ONE HAS RETURED MY calls after calling numerous times. I have filed a complaint with the credit agency and I know that I don not owe this debt. I want this REMOVED FROM MY CREDIT REPORT because both the school and this company have fraudulent practices

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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:
Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX XXXX account 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 2017-12-19
Company: AES/PHEAA
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Selene Finance LP
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mortgage was sold to this company Selene Finance from XXXX XXXX on XX/XX/2018. I sent my XXXX mortgage payment to Selene Finance on XX/XX/2018 via check. I called Selene Finance on XX/XX/XXXX to see if they received my check payment. I couldn't get online their website because it didn't recognize my account. Customer service rep told me to call back on XX/XX/XXXX. I asked her what is going to happen with my check payment until that time she said it will get applied to my account. So I called back XX/XX/XXXX and spoke to customer service rep named XXXX which was very rude to me when I asked him if they received my check yet. He said no they didnt. I then told him i will make my payment directly with my bank via electronically which I did. On XX/XX/XXXX i tried to go on selene finance website to see if my payment posted, but now Selene has kicked me off of site. I tried to log in and request a code so I can sign into website but I never get a code from them via email. So now I have no idea how to contact this company to see if my payment was received. How can this company do this.? Every time you call them you are on hold for a very long time over 45 mins. I have read a lot of complaints about this company saying they never got your payment and then add late charges to account. They do whatever it takes just so consumers can not contact them whether website portal or phone. I just want to know if they received my payment. So i dont get any late charges thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX - OPEN Balance {$750.00}. 
Acct Status : OPEN Remarks : Collection According to FCRA Law an account can not be reporting Open and In Collection at the same time..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern I was served a copy from a court settlement debt. This Discover account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXX XXXX   XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is Discover Bank with the case number of XXXX and I as the defendant. I never opened this Discover Bank nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( DISCOVER ATTORNEY ) but no luck. I was only able to leave a message. Please  help me settle this or correct this mistaken debt collection. 
I could also be reached at XXXX or XXXX XXXX XXXX. 
Thank you and have a great day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Theres wrong information on my credit reports from way back almost 2014. Wrong telephone numbers and wrong address included. This info has been targeted in more than 2 ocassions and stills appears.

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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent a wire transfer of {$33000.00} to Capital One National Association Account # XXXX, Routing # XXXX. Transaction reference # XXXX. Recipient is a business that is unable to deliver the merchandise that the payment was for and is unwilling to refund the money. Finally, on XX/XX/XXXX, I tried to work with Capital One National Association to track down the funds and rectify the situation. However, Capital One representative verified that the funds could be recalled but only if I was Capital One banking customer myself. I do have a Capital One credit card, but that's the extent of my current banking relationship with Capital One. I do not think this policy makes any sense and would appreciate Capital One 's cooperation in trying to recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Bureau of Accounts Control
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an been in collections by Burea of Accounts CONTR XXXX Address XXXX XXXX XXXX XXXX XXXX NJ XXXX. Phone XXXX XXXX XXXX. I am filing this complaint with this collections agency for destroying my credit to low 500s. I  am unable to even rent an apartment, or lease a car, or obtain a credit card due to their refusal to submit a claim to my medical insurance company or through my XXXX car insurance company. In NJ a person has the right to submit a claim to either medical or car insurance at their discretion. I confirmed with this company that a year and a half ago they had been informed of my medical insurance that covers ambulance bills. My emergency room visit had gone through my medical insurance but the company refused to submit the claim. I had confirmed with XXXX and there are notations made where I had attempted to even submit the claim myself but was advised the company must submit it. XXXX ID XXXX group XXXX. I am now being billed {$1600.00} with a ruined credit score and according to my plan I was only to be held responsible for 25 % of my ambulance bill because of my great medical coverage. Also, I do not appreciate the discrimination in having my ambulance bill refused to be put through as a claim to my medical and/or through a XXXX car accident claim under XXXX. The other people involved had been given free ambulance ride covered through my XXXX car insurance policy. This company had TWO options of submitting in a claim before they completed ruined my credit score. This company had not only refused to allow me to make monthly payments if it was past claim submission but they had lied to me a year and a half stating they will put the claim through my medical which had been provided over the phone. I had mental health issues for the past 3 years and was put on family medical leave and I do not appreciate them taking advantage of a person with mental health XXXX issues since the date of XX/XX/2017 where I had taken an ambulance to the emergency room. The emergency bill had been covered through my insurance and the ambulance refused to submit the claim to my insurance. I find this discrimination horrific and it has caused me even more emotional distress that could have been solved if they had not discriminated against me. Not to mention, I am unable to even rent an apartment that had led me to end up renting rooms where I was in horrific situations that caused me even more emotional distress. I had attempted to solve this issue on numerous calls about 2 years ago and they refused to cooperate with me. As a resolution I would like to be held accountable for the 25 % of the {$1600.00} that they are billing me for since they had refused to put in the claim within coverage dates to be covered through two insurance companies.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-20
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
First, I am a XXXX XXXX XXXX XXXX Veteran on a fixed income of {$3300.00} per month, with a VA Loan and payment of $ XXXX monthly. I have been trying to get assistance for over a year since I lost an income amount of {$940.00} per month that I had been receiving. This is what caused me to fall behind. Please see hardship Letter and letter from Housing Counselor at XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. I went to XXXX, on XX/XX/XXXX at which time I was XXXX payments past due on my mortgage. The Housing Counselor submitted for a modification on XX/XX/XXXX when documents were reviewed I was declined for insufficient income. It was at this time I contacted my VA Rep-XXXX XXXX. XXXX discovered that they had doubled my car payments ( two cars ) which caused me to be disqualified. Once this happened, and the VA informed Freedom Mortgage, I was asked to submit again, which I did on XXXX, and again I was declined on XX/XX/XXXX for not enough income. Since our house was scheduled to foreclose originally on XX/XX/XXXX it was postponed. My wife, XXXX started working onXX/XX/XXXX for the additional monthly income of {$2100.00} which should qualify us for the modification. We do not want to lose our home. In addition I would like to tell you that XX/XX/XXXX has made many mistakes in my case review -- example ; Asking for wife to sign all documents, and actually had already been sent in to them, they requested a letter as to how much my wife was going to contribute of her pay to the housing expense, also sent in on a notarized Non-Borrower Form also had been overlooked. It make me feel like they do not want to help me and are discriminating me because I am a XXXX veteran. PLEASE HELP I NEED THIS MODIFICATION, I have XXXX kids and this would traumatize them.

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