BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested proof of the original  obligation and documents  as well as the below I am requesting that XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX   Phone: (XXXX XXXX you provide verification of this debt.   your account nmber ending in XXXX ,XXXX each in the amount of $XXXX and beginning with XXXX  for XXXX  dollars I requested that they Send the following information:The name and address of the original creditor, the account number, and the amount owed.Verification that there is a valid basis for claiming I am required to pay the current amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest; the date the original creditor claims this debt became delinquent.Whether this debt is within the statute of limitations and how that was determined.Details about your authority to collect this debt: whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. I need more details about what you claim I owe so that I can make an informed decision.Moreover this debt under Louisiana Laws Civil Code CC 3494 — Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019and thus a violation of state and federal law.  The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act (FDCPA)  the main federal law that governs debt collection practices  see 15 U.S.C. § 1692.I dispute  the information contained in my equifax credit report and XXXX credit report also and request they supply me above requested information   Sincerely,XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Credit Corp Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given you written or unwritten, verbal or non verbal in accordance with 15 USC. 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I went to make a reservation at the XXXX XXXX XXXX XXXX, South Dakota hotel for four nights, XXXX XXXX. As I was making the reservation on the website a $XXXX discount promotion was offered if I opened up a Barclay's Wyndham Visa Credit Card. The webpage even showed the subtracting the $XXXX from my total for the reservation: $XXXX- $XXXX= $XXXX. So I jumped on it and was approved. When I received the approval email came later that XXXX XXXX  day, nothing was mentioned about the $XXXX promotion or any promotion for that matter. Right after I checked out using the Barclay's Wyndham credit card, I contacted Barclay's to inquire about the $XXXX promotional discount. The woman at first said it was only a $XXXX credit promotion then she looked on the XXXX XXXX  website and said, "I found it." Just as I said, "Ok great" she put me on hold for quite a few minutes. Then she came back on and said it was now "only for $XXXX." I told her that was unacceptable. Fortunately, the call was recorded on her end. I received a generic letter from Barclay's on XX/XX/2019 that did not even address the issue and said if I have any concerns to contact Barclay's. On my first statement, I was only given a $XXXX credit.  I called two more times to complain about not getting the $XXXX promotional discount and the customer service is in the XXXX. I don't appreciate the "bait and switch" tactics. I never heard of nor read or saw a $XXXX promotion. Every time I call Barclay's they want "proof" of the $XXXX discount promotion but they don't provide proof of the $XXXX promo in their email to me or their website. Knowing what I know now I should have taken a photo of the screen when I applied for the Barclay's Wyndham credit card. I would have never applied for another credit card for just a $XXXX promo. I have three major credit cards and several store credit cards. I don't need more credit cards.  I just took out a consolidation loan to pay off my credit card debt. I maintain Barclay's pulled a "bait and switch" promotion. They should be held accountable and fined accordingly and I should get the full $XXXX off.

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 2021-01-26
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my stimulus check of {$600.00} was deposited to my account. Chime kept all of it for for a negative balance I have. A tax refund check of {$3700.00} came back as returned for some reason so thats why my account is negative. Also, I have {$1600.00} in Savings that Im not able to access. From my understanding, the IRS prevents banks and debt collectors from taking the 2nd stimulus check. I sent them numerous emails asking if they will compromise with me and let me make payments or even just take half the stimulus and half my savings. The only responses I get totally avoiud my question. I need intervention with this please. I desperately need my money for what it was intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Albert Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is the second time in XXXX days I've had trouble using my card. They set up a new card yesterday and mailed a physical card however that card isn't working either. I'm getting the same error message as before. I've tried reaching out to support once again with no response. My direct deposit goes into this account this week and I have no way to physically access money or a card to pay online. I couldn't buy food or my prescriptions on Thursday and still can't. There's a transaction for {$5.00} made at XXXX that I never made. This has been more than inconvenient. I've changed my password to access both the app and website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: HI
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 is in violation of the fair credit. My underdtanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Army and Air Force Exchange Service
State: TX
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 have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

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 2019-07-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Heloc Loan with NewRez mortgaged company. I was declined due to my credit score being XXXX. They want my score to be at least XXXX. Later, I was approved by XXXX XXXX XXXX for a Heloc Loan. However, XXXX XXXX XXXX wanted a letter stating I was declined for the Heloc Loan. 
I have continued to reach out and I have sent email after email, call after call and NewRez have continued to fail to contact me. Please assist me because I feel they are purposely doing this to me because NewRez wanted me to apply for a personal loan instead and I said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Monday,XX/XX/XXXX, I telephoned American Express at the number on the back of my card ( XXXX ) to redeem earned cash rewards. The person I spoke with credited my account for the earned cash rewards and encouraged me to upgrade my XXXX XXXX XXXX  card ( no annual fee ) to their XXXX XXXX XXXX  card ( {$95.00} annual fee ).

I told the person I needed to confirm that the enhanced benefits on the new card would more than offset the annual fee. He told me for XX/XX/XXXX calendar year, I charged {$4900.00} at supermarkets, {$6000.00} at gas stations and {$180.00} at department stores. He did the math and confirmed the added benefits more than offset the new annual fee. In addition, I would be given a {$150.00} credit for {$1000.00} in purchases in the first 3 months. It all sounded pretty good, so I said sign me up.Later that night I thought his XX/XX/XXXX spending figures sounded high so I checked my XX/XX/XXXX statements fromXX/XX/XXXX through XX/XX/XXXX. For those 6 months, I averaged $ XXXX/month for groceries and $ XXXX/month for gas ( both typical for the year ). The figures that he provided to convince me to switch to the annual fee card were approximately 2.3 more for groceries and 2.8 more for gas than I spent in the 6 months of statements I reviewed, and I'm certain are typical of the entire year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for XXXX borrowers who were deceived by XXXX job placement claims and submitted a valid borrower defense application. The Department of Education is continuing to process new and existing applications and expects to approve additional claims. All borrowers with approved claims will receive full loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a trial modification with SPS back when covid hit. THey extended everyones payment dates and for a few months. I was able to make 2 of the 3 payments under this modification ( they always do a trial modification before a full modification ). I was not able to make the 3rd payment. It was due in XXXX. I was not able to make the payment in XXXX and I am not able to make this payment now. This is all due to covid. 

My daughter had a friend that was exposed to XXXX, so she had to quarantine for 2 weeks. As a result of this we had to as well. 

My wife was then later had a coworked exposed and then she had to quarantine and so did we all. 

I also had a coworker exposed to XXXX  and most of my company had to go home and quarantine for 2 weeks. 

We never contracted covid, but this 6 weeks has put us in a spot. 

I contacted SPS and went over all of this with them, and they did not offer any help or even try to see about pushing the payment out further. 

We can make the payment, just not now ( I offered to set this up for XXXX and they did not accept it. ). We are paying on our utilities to keep everything on. When you miss 6 weeks of work, it is hard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
FDCPA Violation Did Not Provide Mini Miranda. 
Violation Per Code 807 ( 11 ) Used Abusive language and called repeatedly Another Violation 806

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I relieved a letter from XXXX XXXX XXXX XXXX ( sent from XXXX XXXX XXXX XXXX, MA XXXX ). This letter was addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX. I am XXXX XXXX   XXXX  at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX. The letter stated that XXXX XXXX XXXX owes {$780.00} to XXXX XXXX   ( no further information given ). I have never held an account of any type with XXXX XXXX and no such debt is reported on my credit report. The letter states that the debt can be settled for 50 % of its total value at {$390.00}. The letter states that it's required to say : " This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' The letter directs you to their call center : XXXX  or to their " self-service '' website at XXXX. At the self-service website, payment options include check, credit/debit card, and payment plans. I did not enter any requested info into the website above as I suspect it may be a phishing scam on top fraudulent debt claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, It is time to do my XX/XX/XXXX taxes and today ( on or about XX/XX/XXXX ) I called Wells Fargo because I had not received my XXXX for my interest bearing checking account that I have had for decades. They informed me that last XX/XX/XXXX, they changed my account ( and all/ everyones interest bearing accounts of this same type ) to a non- interest bearing account and went to on line statements. ( they sent me a privacy notice in the mail but did not inform me of this change by mail ) Their website now says that posting on line counts as their notification. My account did qualify for two interest bearing accounts but they just changed mine -and everyones, according to them- to the non- interest bearing account. I do not believe it is nor should be legal to change an account from an interest bearing to a non bearing account without actual notification. Is this a cross selling derivative? I am willing to join or institute a legal action against Wells Fargo for this obvious unethical and possibly illegal behavior. I did try to talk to Wells Fargo but it was unsuccessful. 
Please help me recitify this abuse of my and others accounts. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: HKM and Associates
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2020 I settled a debt to XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX... The XXXX XXXX XXXX shut this company down for fraudulent practices after I paid my debt..Now XXXX XXXX XXXX XXXX coming for me 3 years a debt collection company called XXXX XXXX saying I'm still liable for the debt and now they've added extra fees totalling XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have XXXX for a dispute as my last dispute for this company XXXX. I was having a last transaction in my account left from a company XXXX owed to me.but my account was closed. So when they attemtped to return it it went to card ending in XXXX it my closed acct so I never got it. The acct it was attached to was put on Hold awhile ago. Thus I never got it by that I mean my account w the company in question squatetrade had out my acct on hold since XXXX and I couldn't get my XXXX money funds or an even have them returned from XXXX because my account on hold meant I has no say in what happened with anything including even If I wanted my own deductible back. That In question caused the whole situation to become lateness and what it is now. Which is when in XXXX they finally took the hold off and after confirming they would release they said to my bank. Of course from XXXX to XXXX my acct was closed .thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. MXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I've sent multiple dispute letters ALL YEAR to the consumer reporting agencies in regards to violating my rights as a consumer. No changes have been made. The consumer reporting agencies are unable to provide validation and/or verification for reporting these accounts. The accounts attached show multiple violations and inaccuracies.

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 2023-07-05
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient is calling anyone who is associated with me. They are giving personal information and information about the private student loan debt that a cosigner paid. A navient employee called an ex significant other of mine last week. He told him I owed a debt and was defaulted. He was asking XXXX for my personal information and telling him I would get sent to collections if he did not tell him my contact information. The private loan account is closed and charged off and has been since XXXX XXXX. My mother 's boyfriend XXXX also got a call about this same account and was told he needed to tell them my information or it was going to be very bad for me. This event happened last year in XX/XX/. Navient is breaking the fair practice laws, threatening people and making false claims while giving out my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-03-21
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My complete identity includeing Id, passport, social security card, birth certificate, credit cards, debit cards ect. Was stolen out of my car in XXXX of 2021. Various accounts has been open in my name because of this. A police report was made and i also have the case number Case # XXXX

Company response to consumer: Closed with explanation