BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company name is now called Phoenix Financial Serv. Prior company named was XXXX XXXX. They keep changing names of company so it will impact credit negatively. I know this due to the phone call i recieved from the company. They do this so credit scores will not be able to rise due to an old debt, but looks like a new debt to credit agencies. all because they keep changing name of company. Its not supposed to reflect negative on credit if the debt is over 2 years old. Its a shame that because i went threw a hard time no health insurance, that I have had negative items on my credit for almost 7 years. How can one ever get ahead if there are companies acting out with gray business practices? This has been going on for 7 years now on my credit, they have changed names atleast 4 times. they do this to the people that are unable to pay very old debts. An agent for there company told me that some 5 months ago when attempting to collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX. The bank placed a hold on it without notifying me by email or telephone. They subsequently bounced 8 transactions based on that hold. The hold was ostensibly because they " received notice from the paying bank that the check may be dishonored. '' They refuse to provide proof of such notice and have used this excuse in the past on other large deposits to incur fees for uncollected and dishonored funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018 I mistakenly made a purchase at XXXX using PayPal 's payment system. Paypal used my debit card on file. Once the mistake was discovered, XXXX immediately refunded my debit card through Paypal within two hours of the purchase cancellation. The refund is sitting in Paypal 's account but they refuse to send the money back to my debit card until 30 days has expired. This arbitrary timeframe of 30 days before they will apply the funds back to my bank account is excessive. It feels as though they are holding the money/refund to gather interest and a profit before putting it back in my account. They are causing an overdraft situation because of their excessive timeframe to return funds back to the debit card and bank account associated with the debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have loan with Sallie Mae and I got behind they dont want to try and help reduce my payments they call constantly and have been contacting people that I am in someone associated with leaving them a bunch of messages as well ... I try to pay with them and they pretty much set me up for failure and I am soo sick of dealing with them ... they call one of my husbands cousin whom we are not close with at all. Its getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TD BANK US HOLDING COMPANY
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:
In accordance with a Fair credit reporting act [ NORDSTM/TD ACCOUNT # XXXX has violated my rights. 
THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX. Under 15 USC 1681 section 602 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: TX
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 submitted a formal request for debt validation in XX/XX/2019 to XXXX XXXX. They never responded to me and then I requested to have it removed from my credit report. Equifax did a 3 day dispute and kept it on my file even though i dont believe the debt is mine and it was never validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
A company named XXXX reported that I applied for and was approved for credit with them. This information showed up on my credit report. I did not apply for this credit. I contacted Experian credit agency. They investigated and replied that XXXX maintains my request for credit with them therefore it has not been removed from my report. I did not apply for this account.

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 2022-08-07
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:
On XX/XX/2021 I sent {$300.00} to XXXX via XXXX Chase for a XXXX refund. I was told this could be sent back to my Chase account via XXXX and due to COVID was the quickest way to get my money. This was a scam ( details below ) and Chase bank refused to issue me a credit. 

I needed a refund for a XXXX order. This was during covid so there were no reps at XXXX online or no live human I could find. When I XXXX  XXXX VIP support, an XXXX number appeared and when I called it asking for a refund, I was told to first go get a gift card which I refused then was told if I send {$300.00} via XXXX to XXXX - I would get the complete credit back. details were sketchy and I should have known better, but it was a XXXX XXXX phone number I found on XXXX - so I thought it was legit- it was not an ad so they must have used XXXX marketing to pay for this URL and NUMBER to be a top hit. This was the number I found and called - XXXX XXXX - Both XXXX XXXX email and the phone have most likely since been XXXX. Details below order number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX tXXXX  I wanted refund XXXX XXXX - fraudulent activity using XXXX via Chase XXXX sent {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: PA
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:
Equifax and XXXX, XXXX have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CITIBANK, N.A.
State: WI
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 rewards from credit card

Complaint:
I am not receiving the rewards points as advertised on roughly. For some reason they stopped after XXXX. I have made 4 phone calls and sent 4 emails. The Citi bank online chat is never answered, I have tried 7 times. 

They really don't seem capable of figuring out where {$1200.00} worth of points are.

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 2018-09-26
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:
XX/XX/XXXX, I contact ( online ) XXXX  ( frozen ), XXXX ( frozen ) and Experian to freeze my credit report. Experion declined my request without an explanation. Stating I would be required to send all source documents by regular mail. I have always paid on time, paid in full and closed all accounts - except for two recent credit cards. My FICA score is XXXX. I dispute two areas on my report - spouse and address! All loans and contracts co-signed or co-owned with ex-wife ( divorced XX/XX/XXXX ) were paid on time, paid in full and closed! Why does her poor credit history still negatively affect my credit report after seven years? I was the sole owner of XXXX XXXX XXXX XXXX, NY. Which I sold XX/XX/XXXX. Mortgage was paid on time, paid in full and closed. I moved toXXXX XXXX XXXX XXXX XXXX XXXX, NY. The home is a residential three story home, on seven acres of hardwood swamp ( not a gymnasium or commercial property ) The home is paid in full, with a clear/clean deed, recorded with XXXX County Dept of Records, NY. Property is solely-owned by a XXXX XXXX. Previous Owners must have filed for bankruptcy? I have never known or meet previous owners! What does thier past financial history have to do with my credit report? Why is it easy for Creditors to report/record false data on my credit report - and so hard for the debtor to correct/remove erroneous information? The Consumer Financial Protection Bureau is the only agency standing up for all the disenfranchised! I thank the CFPB reguardless of the outcome involving this dispute. Note : I viewed my credit report with Experian.

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 2019-11-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to remove the block on my Equifax account. The type and amount of security questions were unreasonable and in most cases did not apply to me and I was unable to remove the block from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
I recently had two companies put a inquiry on my credit Experian credit report unauthorized on XX/XX/2018.

XXXX XXXX XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone : XXXX   I contacted this Bank and spoke with several departments and they said they do not have any application on me and that they don't know who pulled my credit and refused to give me a letter showing that, so I could give to Experian because they said they cant give me a letter due to I haven't filled out any application. I don't understand why my credit was pulled by them in the first place. I want this removed from my credit and have exhausted every other option and Experian suggested I contact y'all.

XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX  Phone : XXXX Never heard of them before, will not answer the line given above. This company seems to be a scam artist. I have called everyday and a ladies voicemail name XXXX  is all you will get. They were not authorized to pull my credit. I need some help here.

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 2021-03-03
Company: CITIBANK, N.A.
State: NV
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 had called XX/XX/XXXX to have an authorized user by the name of XXXX XXXX removed from all my accounts. The citi bank representative assured me he had been taken off but in XX/XX/XXXX he was still able to use the card that was supposed to have been deactivated to make charges for a cruise ship. Citi bank failed to properly remove him thus allowing these charges to be made. They keep refusing to remove the charges because they cant find the recording of the phone call when I asked to have him removed which is completely unfair to me. Because they failed to do their job correctly I am punished?!? I dont think so. I have called over 20 times and spoken to multiple departments and supervisors and now they are just completely rude and they hang up on me and its completely unfair and unprofessional. These charges need to be removed. Citi bank and XXXX XXXX ( the person who was not supposed to even be on my account anymore in XX/XX/XXXX ) are responsible for these charges not me!! Furthermore they allowed all of Mr. XXXX contact info to be kept as the primary contact info on my account leaving me completely in the dark about these charges even being made. HORRIBLE CUSTOMER CARE! I have even sent letters to try and get the correct resolution and no one responds and their representatives on the phone are awful and no help at all. This has been a completely nightmare!

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
On or before XX/XX/2019 this company purchased an old Business   Debt/Loan from XXXX XXXX that our XXXX had acquired. Now they are harassing for payment and has decided to place it on my personal credit report. 

Also, on XX/XX/2019 I notice there's a credit report inquiry from this company. I didn't grant permission to this company to pull a credit report. This is illegal. I also have just recently seen that I have a new derogatory mark on my XXXX  and XXXX  credit reports. 

Account Number - 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 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.

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 2023-01-27
Company: Bridgecrest Acceptance Corporation
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 Fair Credit Reporting act 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.

15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.

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 2023-01-27
Company: EQUIFAX, 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:
Under the GLB Act of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. I did not give your Company permission to report anything to my private property my consumer report. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX at XXXX Tried to place a security freeze and was denied. 

XXXX XXXXXXXX XXXX called Experian and no one was available to respond and only reached an automated bot that led to nowhere. 

Experian is being unreasonable and creating a hardship with placing or lifting a security freeze. 

Requiring customers to provide a copy of the ID and a copy of a bill to be mailed to Experian. 

No consideration that customers don't have a copier and printer at home. Also expects customers to pay postage for a service that could have been completed online or through phone. 

Refusing to place or lift a security freeze without going through an arduous process.

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 2020-01-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A mortgage loan has been reported to my credit history file for 2007, which was made by Washington Mutual Bank for an amount of XXXX. Need to verify the information with last two digits of social security information with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have an Experian product " Boost ''. I signed up for the program to examine my monthly utility bill payment records. The company is not reporting my payments accurately. I have accessed to program a few times to place the automatic payments in the system and the program still is not recording accurate and timely payments. 

My bills are paid automatically and timely directly to the vendor. I called Experian numerous times and I am unable to speak to a representative to correct the issue. The toll-free number has loop recordings. 

In my case, the Boost program is not working as it was intended.

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 2018-03-08
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was reviewing my credit report and found this on my credit. I do not have a account with Ad Astra Recovery which is reporting on my credit I am requesting this removed This is a violation of the fair  reporting act I have no con	ract with this company or there client. I wasn't even given any validation. /this is fraud I have no knowledge of this account. please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: U.S. BANCORP
State: FL
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 bought items on XXXX and paid {$13.00} via XXXX. I charged this to my XXXX Visa credit card. When I received my Visa bill, there was a fee I paid XXXX of 1 % for Foreign Transfer Fee. I called XXXX and asked what is was for. They said that it was Foreign Transaction fee. I asked them who got the {$0.00} fee and they admitted that they did. So they got the money. They said the charges came through XXXX XXXX. 

The Vendor I bought it from shows on XXXX to be in Kentucky. The first stop for the package was ( XXXX ) " XX/XX/2018 Origin Scan XXXX XXXX , OH '' and I got the package on XX/XX/XXXX in XXXX ( Fl ). As far as I can see the item was in the US ; the company was in the US, I am in the US, XXXX is in the US, and XXXX is in the US. I think this is a bogus charge and clearly I never authorized it nor was I ever informed of it. 

XXXX Credit Card Issued by XXXX XXXX XXXX XXXX Cardmember Services XXXX XXXX XXXX XXXX XXXX Mo 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 monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with non-monetary relief