BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: J & C Auto Sales of Collier County, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit shows that I owe j and c auto sales a little over XXXX dollars for a vehicle that I voluntary gave back to them in XX/XX/XXXX. I have contacted the company via phone and was told by a gentleman by name of XXXX that he would not provide me with any documentation of what I owe them for the vehicle. After I turned the car into them, the vehicle had been re-titled in the company 's name around XXXX XXXX, then sold to leased to another customer. The customer then gave the car back to the company which it was then re-titled back in the company 's name around XXXX XXXX, then vehicle was then sold to another owner the same month. The FL DMV has documentation of these sales and re-titling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: CT
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Company had enrolled me in payment plan. I had made or exceeded the minimum payment as shown on my monthly statement. Company reported a 30 day late mark despite this. Periodic calls to company resulted in being told account is fine/good standing/showing payments received. Upon identification of credit mark, escalated call to company and was advised was " speaking to wrong department as my account is in special program ''. Statements clearly show payments as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} Spoke to representative about amount showing past due on XX/XX/XXXX, XX/XX/XXXX statements prior to negative credit mark in XX/XX/XXXX. Was advised that this will continue to show since I am on a special payment program. 

Statements did not reflect past due amount in minimum payment due. Thus, statement incorrectly showed the true status of my account. Enclosed are statements for XX/XX/XXXX-XX/XX/XXXX,  which clearly depict the minimum payment, and the amount of payment made. 

Again, several calls made to XXXX XXXX during XX/XX/XXXX-XX/XX/XXXX about past due amount v. minimum payment due. Each time I was advised that this is due to my " payment program ''. 

Was wrongfully advised by customer service as well as statement documentation ( enclosed ). Payments were made according to the minimum payment due. 

Company refuses to acknowledge their misleading representation of my account status. This falls under Unfair and Deceptive as a UDAAP violation. The company did not act in a way as to their fiduciary responsibility to protect me as a consumer by incorrectly specifying the minimum payment due on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Person claims to be with discover credit card ( I do not have discover ) wants to lower my interest I listen to his speach ( XXXX? ) I in formed him I am on a do not call list and hung up. He called right back swearing at me calling me a XXXX XXXX American for letting him finish his speach before telling him I was on a do not call list his phone number is ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2019 {$60.00} I have reached out to my bank to resolve the issue numerous times. 

I was asked to pay a deposit for a service up front, and upon a confirmed deposit I would receive the address for the appointment. Once I paid the deposit they young lady was no longer available, and social media accounts were gone. I spoke to my bank numerous times and they are refusing to return my funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The repayment options do not take Into consideration living expenses just gross income. I barely have income left after monthly bills and my son. I 've had years of issues paying the loan back and there has to be an option to help. Other people get help. I could have had assistance with school payment when I signed up for school. I did n't even have a stable home or live with parents. I feel the forebarences put me way in over my head with Intrest and I will always be stuck and I should have never be signed up for the route I was given. I was young and misinformed and could have had way more help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: ERC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter sent to ERC requesting Validation of Debt. The letter was returned as 'refused ' delivery. Since ERC refuses to accept the Validation of Debt letter what steps can be taken to have them prove the debt they purport I owe? Copy of Debt Validation sent to ERC attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: PA
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the first ( XX/XX/XXXX) of each month, and considered late on the sixth ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within XXXX ( XXXX ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my 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 2021-11-30
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase Global permitted cryptocurrency, XXXX to be traded on it's platform. It is identified as a stable coin to mirror the exact cost of the XXXX XXXX ( {$0.00} ). However, since it has been on Coinbase, the price of the XXXX coin has fluctuated as normal cryptocoins, and was extremely volatile during the week of XXXX XX/XX/2021 The price of the XXXX coin went up to as high as {$0.00} and above. Coinbase permitted investors to purchase the XXXX coin all throughout its rise up to {$0.00} and above. I personally invested a total of {$11000.00} in XXXX coin at various entry points ( average purchase price was between $ XXXX ). Out of the blue and without warning, Coinbase set the price of the XXXX to {$0.00} and everyone that invested thousands of dollars, lost their investments all of a sudden. It seems like a scheme or a scam deliberately to rob people of their hard earned money. Coinbase has been evasive to thousands of people asking questions about what is going on and whether we are going to get our money back. This is a huge issue and you can find several people discussing this. Please help asap. Coinbase has frozen access to funds, and have not permitted any trading of the XXXX coin nor permitted people to get their money back at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX reported to XXXX, Equifax, and XXXX that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : XXXX : A balance of XXXX, past due of XXXX, and 18 months of CO 's interpreted as 18 late payments. 

Equifax : A balance of XXXX, past due of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

XXXX : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with XXXX, Equifax, and XXXX through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: IA
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:
Joint credit card opened in XXXX with former spouse. After divorcing in XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and discharged the account in XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was responsable for four XXXX telephone lines. I canceled three on XXXX/XXXX/XXXX and left the remaining in care of my XXXX XXXX old brother, XXXX in XXXX XXXX, Tx. 
XXXX has sent me a notice of collection placement and is demanding immediate payment of {$550.00}. I was paying {$30.00} per line and have no service on three lines since XXXX/XXXX/XXXX. 
XXXX claims that XXXX never took responsibility for payment on his behalf. 
Please, advice what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have made a reservation with XXXX for one day stay at The XXXX XXXX XXXX XXXX   that I later needed to cancel. Upon cancellation I have received an email from XXXX stating that if my cancellation occurred less than 5 days prior to arrival I would be charged {$160.00}. Instead of the correct amount The XXXX XXXX charged my Chase card {$460.00}. I disputed the charges with Chase and a month later received a USPS letter stating that my dispute has been closed and transaction was determined to be valid. I called chase and was told that The XXXX XXXX has submitted printouts from a website I have never seen stating what their cancellation charges would be. I insisted in reopening the dispute and once again, submitted a cancellation email from XXXX stating that my cancellation fees would be {$160.00}. A month passed by again and I once again received a USPS letter stating that my dispute was denied. This happened several times without any explanation of any kind. Chase kept saying that The XXXX XXXX submitted a web site printout and was not paying attention to anything I was sending in. When I received a third denial letter dated XX/XX/19 I called Chase again and was told that even thou they now do see that my cancellation fee should have been {$160.00} and not {$460.00} there is nothing they can do because my dispute time frame has passed and hence charge is deemed to be valid. 
I feel that since I filed the dispute within the allowed time frame and provided all support documentation I should not be paying for Chase incompetence and refusal to even look at the documentation I was sending in. 
Chase caused time to lapse, not me. I provided all documentation since the day I filed the dispute. Why am I responsible for incorrect charges that Chase failed to properly dispute with a merchant?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a police report with the XXXX Department XXXX XXXX XXXX. I sent the police report to the three credit agencies. 

XXXX and XXXX received the police report and blocked this information : 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX  XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX XXXX # XXXX 9 ) XXXX # XXXX 10 ) XXXX XXXX # XXXX They sent notice to EQUIFAX AND XXXX stating : Blocked fraudulent infromation and provided the accounts. 

After speaking with Equifax they stated on the phone : " We received notice that XXXX XXXXnd XXXX received a VALID police report and blocked the above mentioned accounts ; however, at this time we take notice to rescind the block '' I asked why? They stated they have no reason ; they do n't block fraudulent accounts. 

SO! They verbally told me that they ignore the FCRA 605B LAW which states when they receive a valid police report from the police, credit bureau or consumer, they are required by law to PROTECT me, the consumer, and block and remove the information immediately. 

Equifax is ignoring this law. They are ignoring a law enforcement report. They are also ignoring their fellow credit bureaus which they share certain information this. 

This is not LEGAL. This practice needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Approximately one month ago US Bank personnel embezzled, converted or otherwise unlawfully exercised dominion and control over, the complainants checking account as an unappointed fiduciary, overdrafting {XXXX}. 
Without the complainants consent, said personnel then tendered that amount to the XXXX XXXX  XXXX and thereafter imposed overdraft penalties on the complainants account in the amount of {XXXX}. 
Notwithstanding, the complainant recently deposited money into [ his ] checking account, whereat which time US Bank personnel excised the overdraft penalty fees fraudulently manufactured by them. 
Since then, the complainant has been reluctant to deposit any more funds onto [ his ] checking account, due to these unfettered actions, and the lack of procedural safeguards associated therewith. 
Nevertheless, through recorded conversations between the companies and the complainant it was determined that funds would be redeposited onto the complainants checking account and the overdraft penalties remitted.

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 2021-05-17
Company: CITIBANK, N.A.
State: NJ
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:
THIS IS NOT A NEW COMPLAINT. 



RE : CFPB COMPLAINT # : XXXX XXXX XXXX XXXX  # XXXX This is a resonse to Citibank 's letter to CFPB. 

Citibank has reported late payments on my credit card for XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

In their letter to CFPB Citibank asserted that they did not receive payments during XXXX, XXXX and XXXX of XX/XX/2021. 

I have attached copies of my bank statements for XX/XX/2021, XX/XX/2021 and XX/XX/2021 showing that All REQUIRED payments have been made on time. 
These payments were paid electronically. 

Citibank must correct their mistake and reinstate my good credit. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: A.R.M. Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX XXXX XXXX in my home heating propane delivery. then they merge with the XXXX company. the sent me a bill for {$110.00} for price protection for next year 's service. I close the account with them I did not take service I have a different company now. I call so money time to XXXX I explain to them. and now they keep adding up {$30.00} each month. now they asking for {$330.00} from collection company A>R>M solutions , inc. I just received the bill. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation