BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-10
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit acceptance keeps reporting my account as delinquent, this account has been current as of XX/XX/2019. A {$820.00} payment was made on this day. A {$190.00} payment was made on XX/XX/2019.

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 2020-10-19
Company: Oplis Financial LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I originally took out the original loan for XXXX, i XXXX  my XXXX  due to XXXX  and they added on an extra XXXX  dollars after i paid them XXXX already. We agreed upon a settlement for XXXX.They took out an extra XXXX dollars for not responding to an email without sending me an statement.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: AL
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 a problem filing a dispute or checking the status of a dispute with Equifax .I have told them about it repeatedly but nothing is ever done about it.It always kicks me off of the webpage stating that the information I entered does not match their records.This forces me to have to call in every time and talk with people who are speaking an alien language waisting my time.I enter the correct information every time.I am sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Cuzco Capital Investment Management, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was texted by a phone number XXXX. I returned the call, there was an auto attendant that announced that there was pending matter in the office of XXXX XXXX with a representative of XXXX XXXX. I held for an operative. I received XXXX XXXX. I asked a few questions about who XXXX XXXX XXXX was. He reported that they were a, and claims processing agent for XXXX XXXX. He had my birthdate and my last four of the social security number. He was agitated that I was asking questions. He finally explained that he was calling for XXXX XXXX and there was an unpaid debt. I acknowledged that I had a previous account with XXXX XXXX with a XXXX Card. I explained that this was paid and that periodically there were debt collectors that called and tried to re-collect it again. I asked if he was a contractor or had he purchased a debt to collect. He said that they were a skip tracer engaged to learn if there was a case of action against me, which I take to be legal action and is a threat. 
I said that I was uncertain if this was a scam. He was incensed that I would think this and said that he made 400 calls a day and that everyone claimed it was a scam! I said that I didn't believe he could make 400 calls per day. He got angrier and said that most were hang ups, and went on to say that he had tried 4 numbers for me today. ( To clarify, I had received a previous text and call last week from I believe the same company, and they had reached my wife and my ex wife via text message. When I spoke to that representative, he hung up when I mentioned that I needed to know everything about him and the company to file a complaint with the FTC. ) I said that he was annoying my family and friends by making these calls on a paid debt. He was incensed again and said that I was combative and didn't want to cooperate so that he was going to recommend that they take action against me. 

I consider this to be combative and unusually aggressive. I have paid the debt, and I am not interested in sending proof, which verifies my personal information. I am not certain if these are these are scammers, or if they obtain this information and think that they can call unsuspecting individuals that don't know which debts they have paid, and get a few dollars out of them. I am not certain that they are a legitimate company, and if they are, they use aggressive and threatening tactics, even if there is no debt. 

The number that I received the text from today, XX/XX/2020 was XXXX. The previous call was from XXXX. 

Please reach out to this company and admonish them to follow the rules and not attempt to intimidate or threaten people. I am certain that if there ever is any legal action that it would be dismissed as there is not basis.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
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: Investigation took more than 30 days

Complaint:
I submitted a written request to equidax t investigate XXXX XXXX/XXXX   XXXX to submit signed document per validation since the year XXXX. No information was supporting documents validating I own this account has ever been sent. I am unable to do dispute online this creditor due to re-investigation STatus remark which denies me to re submit online dispute since XX/XX/XXXX therefor my right to dispute has been denied to me. I called equifax and spoke with XXXX XXXX 0n XX/XX/XXXX who advise XXXX  XXXX XXXX XXXX  and XXXX will be deleted due to statue of limitation and they are passed the deadline for investigation, the confirmation he provided me with is XXXX. The representative basically lied and all has been done is a deletion of the remark has been removed and not the the account collection. I am requesting for equifax to accept responsibility that they have reached the proper deadline and are over the limitation to re investigation for over a year of re- investigation status. I am not allowed to file a disputes over the phone by mail and by internet each options has been denied with remark account under re- investigation. XXXX the customer service agent did not delete as provided on the phone call he just deleted the remark which is very deceptive. Please also reference credit report XXXX on XX/XX/XXXX that has remarks as well account under investigation until current. They were unsuccessful in the investigation they have not provided validation of these fraud accounts as promised. I am requesting to remove/delete entirely due to statue limitation has been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There is an issues with incorrect information on credit reports, but one or two incorrect information is one thing, but when there is a list of incorrect information on credit reports that can only be attributed to either really incompetent data entering from credit bureaus or the credit organization reporting to the credit bureaus, which in this case I believe is both, there is something to be said. 

I tried to look at my credit reports and there is so many incorrect information on them, and when I tried to request my credit report online, then the credit bureaus would not let me access my reports and even show my information incorrectly, and when I tried to correct some of the information, they would not let me correct it, and when I enter my information correctly into their system, they display incorrect information right after I enter it correctly. I hate to say there is something going on that is very wrong here but it seems to me it is bad enough when the credit card companies are taking advantage of customer, but when the credit bureau who should be protecting the consumers no longer do their job or even goes as far as adding on the mistakes of incorrect records, consumers have little to do and maybe if that is the case, the credit agencies who are incorrect and not doing their job in the first place should not have a job.

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 2019-11-04
Company: Atlanticus Services Corporation
State: AL
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:
On XX/XX/19 I made a payment of {$200.00} conf # XXXX. Also, on XX/XX/19 I made an additional payment of {$39.00} conf # XXXX. 

The {$39.00} payment I made on XX/XX/19 was not applied to my account until XX/XX/19. I spoke with XXXX on today, XX/XX/19 in regards to the issue and she said there was not anything that could be done to adjust the payment to the correct payment date of XX/XX/19. XXXX stated there has to be a 7 day delay in processing of check payments. The 7 day delay in payment is not Terms and Conditions, nor is it written on the disclosure on back of the statements. Company is unable and unwilling to adjust my payment date neither are they willing to adjust interest that has accrued over the 7 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was in the process of making a valid charge to Care Credit, A Synchrony Bank issued card. 

The transaction was denied, I was not told why, but I called Care Credit, and was told that my card had been flagged for fraud. I must add that the transaction was done through Care Credit 's Website, not over the phone or with the merchant. 

I asked to speak with a supervisor and had a hard time getting one because the customer service rep was making excuses for transferring me to a supervisor. 

Things started out well, but they quickly devolved in me being angry, and then shouting and then swearing at supervisor. 

None of the information that I gave to the supervisor in the Fraud Department was sufficient to this person to verify me. The phone numbers weren't acceptable, then my email address, my cell phone number wasn't going to be of use, because the cell phone is from XXXX, not XXXX, XXXX, Etc. My email address wasn't acceptable either. 

I asked for questions but she refused. 

I'm a serial swearer and I must say my language was not my bright moment. But I was doing what was expected and she was refusing to use the information because she couldn't supposedly verify it. Which I think is a bunch of XXXX. 

The payment has not been authorized and now I have to wait for some XXXX letter in the mail.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence supporting my claim. XXXX had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.

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 2021-09-20
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debtor placed collection account on my credit report after payments had ben made, and account was paid in full. requested deletion and was told will be deleted 60 days after payment received. account is paid in full and therefor should be reflected as such or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a student loan in XXXX with Navient, I have since than been deferring this loan. On XX/XX/XXXX, I received an email from XXXX XXXX ( my credit card ), advising me that my credit score had dropped from XXXX to XXXX. When I viewed the reason, I discovered I was 90 days past due on my loan. I did not receive any type of contact from them letting me know my bill was due. Every year, I receive a letter from them and I defer the loan, this time I received nothing and therefore, was unaware the account was delinquent. I recently moved to California on my own and am work part time and enrolled in college for XXXX XXXX full time. This neglect by Navient has changed my life. I work hard on my keeping my credit score above average and now it is below average. When I contacted Navient, they informed me that I did not have an account with them and I tried to explain that I did because I have deferred the loan for years. I than questioned why I didn't receive a bill and their reply was because I was signed up for electronic billing. This is contradiction by Navient, how can I sign up for electronic billing if according to them I never had an account and if I never had an account, where has my loan been for the past years. Navient informed me the only way I could get it removed is if I file a dispute, which I have. If Navient was not neglectful in contacting me has they have done in the previous years, this would not have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TALBOTT, ADAMS AND MOORE is trying to collect a debt that is not mine and a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BB & T refused to revoke authorization for an ACH debit to IRS as requested under the Coronavirus Tax Relief - People First Initiative. 

I first sent 2 emails through the online portal and then called in to customer service. They had not heard of the tax relief so I read the information to them from IRS.gov. 

The representative consulted with her supervisor and advised they could not revoke authorization because it was not initiated in their bill pay system and stated the only option was to do a stop payment for {$35.00}. I declined the stop payment and advised I would contact CFPB for assistance. 

The representative proceeded to process the stop payment and charge the {$35.00} fee without my authorization.

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 2019-03-10
Company: Midwest Recovery Systems
State: MI
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:
Midwest Recovery Systems has reported a collection account to all three Credit Reporting Agencies ( XXXX, XXXX, and XXXX XXXX. I do not recognize this account as being mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting Midwest Recovery Systems to provide me with a validation of the debt. To clarify, I am disputing the account being reported by Midwest Recovery Systems and demanding validation of the debt. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that Midwest Recovery Systems provide me with complete documentation to verify that I owe the said debt and have a legal obligation to pay it. Please provide me with the following : ( 1 ) the agreement with the creditor that authorizes you to collect on this alleged debt with the agreement bearing my signature stating that I have agreed to assume the debt. ( 2 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. ( XXXX ) Proof that the Statute of Limitations has not expired. ( 4 ) Complete payment history on this account along with an accounting of all additional charges being assessed. ( 5 ) Proof that Midwest Recovery Systems is licensed to collect debt in the State of Michigan along with license numbers and Registered Agent. If Midwest Recovery Systems fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my XXXX, XXXX and XXXX credit reports. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/2019 I opened a checking account online with Chase Bank 3 days after account was opened the Company decided to force close my account when I confronted their corporate office about what had happened I was informed that it was an internal decision I asked for a statement of reason why they chose the decision the Company refused to give me the reason saying that they did not have to provide me this reason I believe I was discriminated against because of someone or some information internally used within this Company and I have the right to know as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I called XXXX and Experian to request items on my credit report be deleted. The accounts were two XXXX accounts. I was told the deletions will take place within 24-72 hours. The deletions did not occur and the accounts were " updated ''.

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 2019-03-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, I have experienced fraud in my Chase Checking account. On XX/XX/2019 a transaction of {$1800.00} transferred from my account through the XXXX money transfer system on XXXX. The amount was sent to someone named XXXX XXXX. I do not know who that is and I did not authorize that payment. I have filed a dispute claim to XXXX 's fraud team but they have denied it by saying according to their investigation, they can not prove fraud. But they are not taking into account the fact that another fraudulent tried to go through right after that transaction for the amount of {$1900.00}. For that amount, XXXX sent me an alert asking if I authorized it and since I had not, I denied it. XXXX refused to see that similar amounts were tried to be taken out within the same time frame and being sent to people with similar names. All money transfers I do on my account are to family members. You can clearly see that on my account. Also, I have been a member for over a decade now. If they were to analyze my account holistically then they could see that I have been on good terms with Chase all these years. 
On top of this fraudulent activity on Chase 's account, I have had other instances that have led me to believe my identity has been compromised. I have closed a lot of my accounts and placed fraud alerts on everything and froze my credit. I am terrified that another hack is going to happen that is going to compromise my identity further. But when I am telling all this to Chase 's fraud team they are refusing to listen at all. They keep repeating the same line that they have investigated and they can't prove that this is fraud. They are refusing to see it holistically or even to hear about my struggle. I don't know what else to do. This incident shows that there is a deficiency in Chase 's systems and also in the XXXX Payment system. Unfortunately, they are not giving this a thought at all. If this happened to me and Chase is not willing to investigate it further then they are giving power to the thieves who are getting away with stealing money from hard working Americans. As one of the leading financial institutions, Chase should be doing more to listen to the customers and their plight rather than training their employees to just repeat what's on their screen. Please help me understand what I should do next to get my money back and how to put those thieves behind bars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
ftc violation on inquires that are not mine sent over 45 days ago 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 explanation