BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-07
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19 I called XXXX XXXX c/s to have my cable tv & internet disconnected because I arranged for XXXX XXXX & internet to be installed XX/XX/19 The c/s rep told me my last day of service ( also last day of billing cycle ) would be XX/XX/19 I made sure that my balance was up to date and nothing would be owed. She said as long as my equipment was returned there would be XXXX balance. She arranged for an ups box to be delivered to me with self-addressed prepaid shipping labels ( tracking # XXXX ) Delivery has been verified. I was very careful to make sure I had XXXX balance, and that the equipment was sent and received. A month later I received a letter saying I owed over {$1100.00} for a months service, and un-returned equipment. I called XXXX c/s spoke to spent well over an hour on the phone with her, and finally she was able to verify tracking/return of the equipment, and showed my turn off date was XX/XX/19 ( conf # XXXX ) On XX/XX/19 another letter arrived saying I owed {$230.00} I called XXXX c/s spoke to XXXX in Kentucky call ctr conf # XXXX spent approximately 1.5 hr. on the phone with her. Finally she was able to verify everything and said there was one thing that had to be approved by a supervisor but she assured me settled. On XX/XX/19 I received another letter now stating I owe {$700.00} I called XXXX c/s spoke to XXXX @ Virginia call ctr. case ID : XXXX spoke to her well over an hour and she verified everything XXXX from Kentucky confirmed but she said the supervisor had to approve the {$230.00} I told her that was not acceptable I did not owe anything and did everything by the book. She said since you are stuck in the system it keeps showing you owing, you might as well pay it to keep it from hitting your credit. I told her I have an 800+ credit score and will fight this with whatever tools I can find. She said she would do everything she could to see it through, and to keep any eye out for a resolution letter. On XX/XX/19 I received a letter from credit control corporation ph # XXXX acct # XXXX saying I owe {$230.00} their customer service # XXXX My wife and I are exhausted from this matter. I have felt helpless dealing with frontier, is seems they can just throw all kinds of # s at me until I relent and pay. I have spent a lot of time of this and can not give up now. 
Thank you for your help, XXXX, and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home XXXX/XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-02
Company: S & S Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A Gentlman working as a collector threatened me with legal action if I did not pay off a debt I may or may not owe at S & S Recovery on behalf of the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Account status incorrect

Complaint:
After many unsuccessful occurrences of forwarding disputes to Equifax by certified mail to inform them of the negative effects their false and Inaccurate reporting has caused. At this juncture I'm moving to provide evidence of Equifax 's willful defamation of my character due to the continued false reports that are being published by their firm. These reports stand as violations of the FCRA and continue to cause a burdensome strain on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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: Information belongs to someone else

Complaint:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFailure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the 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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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.

This accounts and Inquiries 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 2023-07-29
Company: EQUIFAX, 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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XX/XX/2019, I recently received a letter from ( BOA Bank of America ) I realized they charged me {$35.00} while I requested closed account .I believed fraud activity from someone else .Last spring XX/XX/2019 I spoke with banking manager so why were you charged me a negative account balance.He said I must require to set direct deposit but I disagreed with him. I decided to be closed account, but manager refused it.Then I came back again I then my debit card to returned back to closed account.someone stole my funds without I know.I should not pay a deposit {$35.00} in my old account. 
Thanks 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 monetary relief
Consumer complaint received 2019-12-07
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX XXXX advertised about getting a full head with no XXXX, you can swim, sweat whatever it will never come off, so I went in for a free consultation spoke to manager XXXX he explained I would get 3 hair units and 1 yr of service for washing, styling, cutting and products included for {$4700.00} and they didnt take XXXX XXXX card but I could finance it on their credit card so I was approved from Comenity Capital BankXXXX XXXX $ XXXX XXXX said my card would come in the mail and he measured my head and ordered the hair and stating it will be back in 6 to 8weeks, and got an appointment to come back after 8 weeks to get hair put on and styled then the service started from that first appointment I waited 3 months for a card I never received, I called Comenity they first said it was in the mail after months of waiting they said I had no card I had a line of credit ... so in the mean while every 3cto 4 weeks I go in to hair club for wash and style ... Towards the end of the year I asked for my other 2 units and was told I wouldnt receive any more units I had used them when I changed hair styles but that was never explained to me during the treatments, I thought they were using the same 1 unit and restyling, washing and cutting, the stylist nor XXXX ever said to me a style counts as a unit during the 1yr service .... then I asked for a manager because this was never explained to me until towards the end ... .another manager XXXX came out to speak to me and my daughter, she said she would try to make it right as best as she could, she contacted upper management and got back to me 1wk to 2 wks later and said she would order me 1 new unit and repair the one I was wearing to make up for the misunderstanding but it would take 6-8 weeks to get the new hair, at the end of the 8 weeks I called XXXX and was told XXXX no longer worked there, I asked for XXXX , he refused to talk to me so I contacted an attorney who wrote XXXX  and they refused to answer the attorney back. I contacted comenity capital bank/XXXX XXXX to start a dispute a dispute the beginning of 2019 and the end result was they sided with XXXX. I feel like the public needs to know that XXXX is doing a sort of bait and switch they tell you all good things in the free consultation but switch up after you take a line of credit thats why they do not take other credit cards because outside credit card companies we stand up for the consumer and make them honor the verbal contract but Comenity Capital BankXXXX XXXX will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I went to my bank ( XXXX XXXX, XXXX WI to send money to JP Morgan Chase Bank, XXXX MD. My bank said it wouldn't go until next day. On XX/XX/2021 Late in the day I called bank to say I think this was a fraud case.I was told to call receiving bank and talk to their fraud people. I did call and talked to them and said i believe this was a fraud sale that I sent money too. They said they would note the account that this deposit coming was possible fraud. They also told me at the time I called the money was pending. I asked if they could hold funds that I sent so my bank could recall money next morning. They would not do that but would note the account. On XX/XX/2021 My bank filed a recall of funds into Chase Bank and have not heard back from them as of yet. In the meantime the people with the auction company said they would refund money I sent and should have it in two or three days. Nothing yet two weeks later. The auction site stopped answering call and took down the website. I feel that Chase has done nothing but help these people get away with my {$28000.00}. I think that Chase should be charged with something for not doing anything after myself and my bank called and told them this was fraud. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently opened a Kohl 's credit card and forgot to schedule the automatic payment as I always do with all my credit cards causing a 30-day late payment on my part. The monthly statement went to my junk mail, and I never got a paper statement because the paperless setting on my account ( all of these was the explanation Kohl 's representative gave me ). After reporting me to the credit bureau, Kohl 's sent me a letter by US mail letting me know I was late ( I asked myself why they didn't send me a letter before they reported me? ) I called them immediately, paid the little bill of {$79.00} over the phone, and explained the representative that the statement was going to my junk mail, and they just didn't care. Bottom line, my credit score went from XXXX to XXXX and Kohl 's refused to contact the credit agencies to reverse this " the information is accurate and updating the information will create an inaccurate representation of the status of your account ''. 
I am not trying to change the rules of the game here, I understand the system, but I don't think they understand the damage they have done to my family financially for not doing the right thing, at least trying. If I want to refinance anything right now, it will cost more money... well I don't have to explain to you what this means, you are in the financial business. 

Please help me, these people don't understand, and they don't care. Consumers are people who sometimes make mistakes, we shouldn't be punish this way. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
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:
XX/XX/2018 : Certified letter received by Experian, from myself, requesting physical verification of the account listed on my credit report from collector : XXXX XXXX XXXX My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from Experian stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from Experian that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile

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 2020-04-25
Company: PNC Bank N.A.
State: PA
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:
I am trying to purchase a product online and was given the option to pay via XXXX a payment every month. I chose that option and proceeded to enter my information and connect my bank account and then it gave me an error. The error says " PNC has made a change that prevents you from being able to link your accounts. '' I was then told to file a complaint, which I did. I have attached a screenshot on the bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-12
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX {$0.00} XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an email offer from American Express to receive XXXX Membership Rewards points if I opened a savings account and deposited {$25000.00} by XX/XX/2020 and held those funds in your account through XX/XX/2020. The advertisement encouraged me to be looking ahead to the future and the timing was great because I was going to be buying my first home soon and needed to keep the down payment money in cash somewhere until then. 

The terms and conditions stated that the XXXX Membership Rewards points would be deposited within 8 to 12 weeks after the conditions of the offer were met. After twelve weeks, I called American Express National Bank who told me that some of the Membership Rewards points had not posted for folks due to a computer error and to give them a few more weeks. 

When I called back on XX/XX/XXXX, a representative from American Express National Bank stated that it appeared that I had met all of the terms and conditions and that she did not know why I hadn't received my points, but that American Express Bank was not the group that actually posted Membership Rewards points to accounts. She stated she would " open a case. '' Now, nearly a month later, it seems clear that American Express National Bank has insufficient policies and procedures to actually pay out this bonus.

Since American Express failed to pay out the bonus in the timeframe provided, this appears to me to be a violation of 12 CFR 1030.8 and and deceptive act or practice under the Unfair, Deceptive, or Abusive Act or Practices ( UDAAP ) framework.

Company response to consumer: Closed with non-monetary relief