BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
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: Personal information incorrect

Complaint:
Dispute letter sent to Equifax requesting CRA to correct my name and remove all incorrect addresses from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: EQUIFAX, INC.
State: GA
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:
Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX XXXX XXXX XXXX, XXXX, US DEP ED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have an old account with XXXX in which I owe {$1500.00}. I previously listed a person who I was dating as a reference. I'm no longer with the person and want no contact. I started receiving letters in the mail thanking me for my payments. I assumed it was in error. However, they discussed the amount I owed along with other personal information they had no right discussing with this person. They allowed him to set up recurring payments. This was a direct violation of my rights and I've already contacted my attorney. I have proof from my ex boyfriend and printed documents of the transactions drafted from his bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: SC
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 have been a member of Experian, for years now. I have disputed the same falsely derogatory marks on the report. The one largely impacting my report, which is a utility company, who was purchased by another company, reporting a settled debt, along with they are reporting the same amount as if it is two separate companies. They're reporting dates, long after my account had been settled with them. It has taken a long time, to gather the documents to back my claim. The disputes are " completed '', normally within a couple hours. AFTER business hours, without any verifying evidence to their findings. I'm unable to get approved for a home loan, that otherwise I would. It's life altering, and causing myself and my family, undeserved grief.

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 2018-04-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is my third complaint and everytime I get a pasted response along with new information. The new information is I opted out of debt card protection but " I '' did not opt out for ACH debt protection. That is dishonest business practice if I ever. They keep trying to sell me things I do not want. The person on the phone did not offer to give me {$19.00} of my own money back, I had to basically tell her I was going to walk away from doing business with BBVA Compass to get her to over turn the fees. again check each statement they basically telling my story for me and XXXX, XXXX. But adding they are not going to give me my money back. So I need to know who I need to get with to get my money back and help other people at this den of thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a XXXX XXXX {$25.00} gift card. When I scratched the security covering off of the numbers of the back of the card, some of the numbers came off. I can not read the security numbers. This is a production error with the card. 

I contacted Google 4 times and sent them a picture of the front and back of the card. Their response was " Unfortunately we are unable to redeem the value of the gift card to your account. Google is not responsible for gift cards that have been lost, stolen, or destroyed. Learn more about our Terms of Service. '' I should not be penalized for THEIR production error. I have the physical card, but I can not use it without the code. I merely wanted them to issue the {$25.00} back to me or provide another card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AXOS FINANCIAL, INC.
State: PA
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:
Since the migration of the AXOS Invest product to their website on XX/XX/XXXX, no withdrawals or transfers have been possible. I have been attempting to withdraw funds for over a month. I contacted support after my request was not filled and was notified my investments have not yet been sold and they have no ETA. Nothing has been transferred weeks later. Keep in mind the market is extremely volatile, so my account balance is decreasing during this time. There is no way to determine when funds will be sold or the value of the underlying funds when trades are executed. I desperately need this money. There are over 19,000 other people in the same position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I added XXXX to my Cash App, run by XXXX XXXX  and Square Cash App. 
After Adding the XXXX I unlocked my card to use it for spending like I usually do. 
Upon making the purchase the merchant said he received an odd error code that never happened before. I went back to the app and did this 5 times. The App declined the purchase 5 times. I had been using the app frequently throughout the entire month and this never occurred. They were not only trying to block my transaction but did it intentionally. I uploaded the funds 10 minutes prior to swiping the card online while on the phone with the merchant. They denied me my purchase and never fixed the app even after reporting it 5 times by email and by contact on the app. I deleted the app and then downloaded it 2 times and it still did not work. They intentionally blocked my purchase. If you look at the image attached while on the app, it shows I added XXXX then immediately after they declined my purchase repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have money in Gemini that I cant withdraw, they are holding my money since weeks. I contacted customer support multiple times on every platform and I have no replies. I linked my bank account automatically with plaid in order to withdraw my funds. It says it was done successfully but I still cant withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: NJ
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 have kept Equifax current with my personal information, including name changes and address updates. I recently wanted to unfreeze my account, but was denied access through the website, automated telephone system, and with the representatives. After the 4th person, I was informed that there is a name and address discrepancy. However, it was confirmed that the address and name I reported matched my online profile and what my creditors are reporting. The representatives at Equifax will not unlock my online account or help me via phone. I would like to temporarily lift the freeze so I can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had not received a response for the prior compliant filed, XXXX prior to submitting the CFPB feedback for the filed complaint. The response from Bank of America did not address the concern in complaint # XXXX. The response states they failed to see a Bank Error ; however, it was their teller that informed me the Cashiers Check was a valid check. The tellers supervisor/co-worker ( XXXX ) even asked the teller if they were going to verify and the response given was, no no its good, and she pushed the check through. If there is a process of 14 days verification, when I asked about the validity of the check, the response from the teller should have been that there is no way to verify with 100 % certainty right now, please allow up to 14 days for the funds to clear. This was not the response, the teller stated the check was valid! 

The entire reason I went inside the bank to cash the check was to verify the check was legitimate before proceeding forward with XXXX XXXX process. The teller assured me that the check was a valid check and this in itself was a {$15000.00} bank error. The teller should not have provided this information if they were not 100 % sure that this was the case. The response from Bank of America no where addresses the fact that miss-information was provided by their employee. Based on the information provided by the bank teller, I proceeded to wire the funds to what I thought was my client. The check was not valid and through Bank of America 's research, was completely fraudulent. The funds were returned, and my company now lost the {$15000.00}, of which I only had so much in the account to begin with so it now shows I owe the bank, and that is my dispute, since improper information was given.

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 2019-08-28
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was sent a preapproved offer and check via mail and negotiated the check and signed up for auto pay. The terms of the loan were on the back of the check interest rate etc. but never said payment amount, so after enrolling in auto pay they took XXXX per month which I assumed was the payment. It wasn't until recently I looked at my credit report and saw that I only owed {$88.00} and was excited and budgeted for that final auto withdraw when they actually took {$91.00} I called to ask why? They said it was a telephone convenience fee. I said I was in auto pay I did't pay by phone. They said oh its because you paid on the computer I repeated it was auto pay and there should be no fee, they put me on hold for a long time and said oh that was the monthly payment fee and I said provide me with documentation stating you were authorizzed or it was part of the terms to take an additional fee, they put me on hold for over 20 minutes and the call disconnected. I called back, the person was not available, I left a message. He called back but I missed it, I called back and he said it was a mistake and they had been charging me a monthly fee for the life of the loan and would refund it. 

I did get the refund check which is incorrect in its amount does not include interest and should they pay me a penalty and how many other unsuspecting people have they ripped off who were unaware. 

i would like an audit of their accounts. I have attached a copy of the check they cut me showing they admit to overcharging and I can forward a copy tomorrow of the original check with the total terms of the agreement which did not include a surcharge. I hope an audit is done of their practices. Additionally i didn ; t think you are allowed to charge 33 % and I think it is irresponsible to target low income people with instant money with such high interest rates i have also found tons of complaints from others on line of their practices. 

I hope you will randomly audit their customers to see how many others have been violated and should they not owe me money for each unethical unauthorized charge to my personal checking account as well as an accurate repayment of fees and interest.

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 2019-10-31
Company: The CBE Group, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We signed up to have XXXX/XXXX services in our home. We moved because of a job change and wanted to transfer this service to our new home. We wanted XXXX service at our new home, but we were told we could not have service. 

Later, we received a bill for cancellation charges. We did not cancel ; XXXX cancelled our service because it was not offered in our area. We were not in breach of our contract. We wanted XXXX   service. We called customer service about the charges after receiving the bill dated XX/XX/2018 with the cancellation charges. We spoke to XXXX from the Billing Department, reference # can be provided. He assured us this would be taken care of. We went into the service center on XXXX XXXX in Wyoming, and called the customer service number again on XX/XX/2018 and spoke to XXXX. He assured us the matter was resolved and the charges would be removed, so we put the issue behind us. 

We started receiving calls from a collection agency trying to charge us the cancellation charges. The collection agency told us we had to dispute the charges with XXXX. We wrote the attached letter and received no response. 

In order to stop further problems with our credit report, we paid the {$660.00} cancellation fee and hoped again the problem was behind us. 

We recently refinanced our home and discovered there is " serious delinquency '' listed on our credit report because of this issue. 

Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, 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: Problem with personal statement of dispute

Complaint:
Hello and thank you very very much for even having the time to read over my small issue. Because of this covid19 I have been slow to pay off my cards this year since XXXX however I am 100 % responsible and have tried to ask for forgiveness on some of my late payments. It is my request that you please help perhaps look into my case and see if we could please have some of those late payments forgiven. I am 100 % responsible I have kept and maintained the minimum payment balances to keep all of my accounts in the green. 90 % of my credit accounts are 100 % paid off except for about 3 of them. Can you please on my behalf try and help me erase these late payments because they are 100 % a result of Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Mountain Land Collections, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. Mountain Land Collections obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted Mountain Land Collections to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: Comerica
State: IL
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:
AFFIDAVIT OF THEFT & ROBBERY BY CONSPIRACY I, XXXX XXXX XXXX purchased a bus ticket from XXXX XXXX XXXX XXXX, location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, for {$180.00} on XX/XX/2019 with my XXXX   XXXX  Debit Card. After purchasing the ticket I became ill and could not travel. I contacted XXXX to request a refund and or a credit, and they refused both. Two days later I contacted my bank of my debit card : Comerica Bank XXXX XXXX XXXX, XXXX XXXX XXXX MC XXXX XXXX TX XXXX ( XXXX ) XXXX, I filed a dispute with the bank on XX/XX/2019 by mail and received a letter response from the bank on XX/XX/2019 informing me that they could not find an error and would not reverse the charges. I do not agree with having to pay for a product or service and not receiving the product or service. Please help me identify what authority these two entities have to not return my rights and property. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted one specific relative to collect a debt twice. When that was unsuccessful they called another relative and left a voicemail. The company already has my phone number and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: LA
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 XX/XX/2020 I sent them a disputes for all unknown and inaccurate accounts its over 30 Days now but I haven't receive any response. I was a victim of Equifax Data breach and I want that all those account will be remove ASAP on my credit report or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Hello and thank you very very much for even having the time to read over my small issue. Because of this covid19 I have been slow to pay off my cards this year since XXXX however I am 100 % responsible and have tried to ask for forgiveness on some of my late payments. It is my request that you please help perhaps look into my case and see if we could please have some of those late payments forgiven. I am 100 % responsible I have kept and maintained the minimum payment balances to keep all of my accounts in the green. 90 % of my credit accounts are 100 % paid off except for about 3 of them. Can you please on my behalf try and help me erase these late payments because they are 100 % a result of Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: First Federal Credit Control, Inc.
State: OH
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:
Since XXXX of XXXX I've been contacting First Federal Credit Control and have been transfered to XXXX XXXX every month regarding their False Reporting to XXXX for a medical  bill which they specifically stated they did not have any contact information for me and this is why XXXX XXXX XXXX XXXX gave the information to FFCC. I must say after hours and hours of research and getting to the bottom of this, the physician had all information prior to seeing them. Then FFCC argued for about 2 months, XXXX XXXX from FFCC wanted all types of proof of this bill being paid. It was paid prior to them reporting this. I proved it and she said it should come off my report because there is no debt and she was sorry it happened but it was reported because they supposedly didnt have any of my information. Finally in XXXX of XXXX FFCC emailed me a copy of what they said they sent to the Credit agencies. XXXX XXXX and XXXX XXXX. Every month to this day this is still reporting and now when i call XXXX just tells me to have XXXX call her ( this does not happen and XXXX said they will never call a collector ) Now, FFCC   stated that they do not call the Credit Agencies and so now FFCC is totally in the wrong by not helping me ( the consumer ) do to their error. this is affecting my Credit Score by 20+ points and is obsurd that this is still on my XXXX XXXX both companies should merge together because XXXX and FFCC do not care about anything they do that affects others. Horrible at trying to help the consumer get the correct reporting information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation