BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit card company has been applying my payments to 0 % APR balance instead of 27 % APR balance. It is my understanding they can not do this. I have called them twice now and spoken with 3 different people. 
Per CARDS ACT credit cards should allocate payments above minimum to higher interest balance first. 

Please see 3 months of statements. On XXXX statement, there is a total balance in the account of {$18000.00}. This is split into {$12000.00} at 0 % APR and {$5300.00} at 27 % APR. 
I made a payment of {$2800.00} that should have been applied to higher APR balance. 
Instead, on XXXX statement I see my 0 % balance decreased to {$9200.00} and I was charged interest of {$220.00} You can see this numbers on the last page of my statement where the balances are separated per APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a statement from XXXX XXXX Credit Card. I NEVER applied for this credit card. There is a {$1000.00} charge that I never charged on the card I did NOT apply for. XX/XX/23 XXXX XXXX XXXX XXXX XXXX NJ {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX promised me they would help me find a job if I ever needed help. They never helped and out out of business. Stuck with school loan for 21 years now. Maintained job that doesnt provide enough to help me pay it down. They added another XXXX to it some how thru there tactics. Not sure how to prove that as I cant find where they upcharge me ect. I still owe XXXX with a XXXX interest rate, there is no covid relief for a school that no job considers a school anymore. They just tell me there is nothing I can do about anything when calling them. Loan type FFELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: SYNCHRONY FINANCIAL
State: RI
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:
Hi. Ive notice a hard inquiry on my credit report that is dated XXXX XXXX. Its listed as SYNCB / national credit cards/ airlines Ive tried calling XXXX and other credit companies and havent gotten a response. Ive never opened that account nor have i done anything to get that account to appear on my credit. I used XXXX XXXX  to check my scores.

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 2023-10-03
Company: EQUIFAX, INC.
State: GA
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, Account - XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: GVA Holdings, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Sunday, XX/XX/2021, I received an email from XXXX stating that my {$1500.00} loan had been approved. Within 3 minutes, I received a communication from XXXX stating that my personal information had been used to secure a short-term loan. I reported to XXXX that I did not apply for any such loan. I opened Case # XXXX with XXXX and then called TargetCashNow at the number provided in the email they sent me : XXXX. I spoke with a representative and learned that someone online used my date of birth, email address, and social security number to secure a {$1500.00} loan and is having the money sent out of the country. I tried to explain that this was fraud. The agent told me I needed to file a police report. I told her I have XXXX and they would handle it. Today, XX/XX/2021, I received an email from TargetCashNow demanding payment of {$260.00} by XX/XX/2021, or I would be assessed an additional fee. I called XXXX and together we called and spoke with a representative at Targetcashnow.com named XXXX. XXXX told me I MUST secure a police report for his company as it is the policy at their company. He told me that they did not issue the money to the person who applied in my name. I asked him why they are demanding payment from me and he could not answer me. He told me that the only way to resolve the matter was to secure an official report from law enforcement. I believe this is not my problem. I asked for compensation from TargetCashNow for my lost time from work and miledgae but was not offered anything other than if I wanted to fix this so it is not my responsibility, this is what I had to do. I would like this matter investigated as this company is violating my rights under FERPA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Bread Financial Holdings, Inc.
State: MA
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:
Someone applied for a credit card with Comenity Capital Bank under my name I was issued at hard inquiry from the credit bureaus. 
I have received a letter from Comenity the the account has been closed upon finding out the the account was opened without my authorization.

I like to have the hard inquiry erased from my credit report as I am in the process of buying a house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Hello, I have been a PNC Bank customer for over 10 years, maintaining a checking account and a savings account. A few months ago, approximately XX/XX/XXXX, I noticed service charges being deducted from my checking account as my balance went below the {$5000.00} required minimum. Upon further review of my account, I noticed my account went below the minimum starting XX/XX/XXXX, and PNC Bank has been charging {$25.00} a month on my checking account till date. A total of {$370.00}. In fact, the charges resulted in my checking account going down to XXXX   balance and PNC started taking funds from my savings account for the monthly service charges. 

In XX/XX/XXXX, I called PNC customer service to fix the issues and potentially get the bank charges waived. After spending over 30 minutes on the phone with the representative, she told me she did not have the authority to waive the charges and I have to call on monday. She offered to change my account type to stop the bank charges which I agreed to. I called PNC on monday and I got the same response that the charges could not be waived. This was also after being put on hold for another 30 minutes. During the call, I found out the representative I spoke with the previous day was a supervisor and could have processed a fee waiver. 

On XX/XX/XXXX, I checked my account again and noticed the bank charges were still being deducted from my saving to payoff the charges in my checking account despite my account type being changed to stop the charges. I called customer service to resolve the problem but they hanged up on me. I called PNC again this time to close my account and relationship with PNC. The representative put me on another hold for 30 minutes till they hanged up on me. I called again for the 3rd time on XX/XX/XXXX, only to be told I can not close my account because there are some pending charges on the account. 

I want to formally file this complaint with the CFPB so PNC can refund the bank charges of {$370.00} or part of it. The bank charges applied to my account were unfair, deceptive, and abusive, especially after my account type was supposed to have been changed so avoid the late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested that an overpayment I made to my credit card be sent as a refund check to my home because I mistakenly made a double payment to my credit card. The refund check was returned by the courier because i wasnt home and I have been calling chase to get the refund reissued. I have waited nearly a month for them to return my overpayment. And I have been hung up on multiple times and they have been using stalling tactics, telling me to wait ten business days for a stop payment to be done then an additional 3 - 7 business days for them to figure out where the refund is, or whether its been cashed or not. The supervisors cant give any updates about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: IL
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
XX/XX/XXXX -- Purchased two airline tickets at XXXX XXXX website. A pop-up offer of {$400.00} credit immediately available if I opened an American Express Credit Card on the spot. I immediately filled out the required information and was approved for the card. 

XX/XX/XXXX -- Date of first billing. No {$400.00} credit listed on the billing statement. I called immediately. After a long and difficult time on the phone, including being told it was a XXXX problem, calling XXXX who apologized but said it was definitely an American Express problem. I called back American Express ( again, not a simple process ), and was given an " investigating case number XXXX ( or perhaps XXXX ). I was told by different people that I should call back after XXXX weeks, but later told it takes 4-6 weeks. 

XX/XX/XXXX -- told by Customer service " case is still active ; call back in 1 week. '' XX/XX/XXXX -- told again it was a XXXX XXXX problem. Again called XXXX who again apologized for the trouble, but said it way an American Express problem. 
XXXX -- told by XXXX XXXX at American Express ) to wait 7-10 business days. 

XX/XX/XXXX -- talked to XXXX, a XXXX, with no resolution yet. 

XX/XX/XXXX -- Told by XXXX that it can take up to 90 days. 

XX/XX/XXXX -- first talked to XXXX, who asked be to hold while he investigated ; after some minutes, another person, XXXX, told me she was taking over, and again I was put on hold. She eventually told me the case was settled and that it was determined I was not offered {$400.00}! This is after, somewhere along the line, I sent a screen shot of the pop-up offer of {$400.00} that showed up again when I was looking at flights at the XXXX website XXXX 

The last person I spoke with said the decision that I was not offered {$400.00} was final, and there was no more recourse through American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This is in relation to a confirmed ( by Wells Fargo ) computer bug that is on Wells Fargo 's network that is in relation to their " early payday feature ''. 

On XX/XX/XXXX, I received an email from Wells Fargo confirming my " early pay day '' was in my checking account. This email also advised that these funds are available and I could start paying bills. I checked my account directly on XX/XX/XXXX and saw the " funds available '' in my checking and paid a few credit cards. 

On XX/XX/XXXX, I received another email from Wells Fargo advising that " over draft protection '' had been applied from my credit card to my checking. I looked in my accounts and saw that I no longer had my " early pay day '' funds available. Later that same day, my paycheck posted normally to my account. 

From XXXX XXXX, I have called Wells Fargo 7 times and multiple times, multiple supervisors on their end have confirmed that this overdraft transfer should NOT have happened and it was caused by a " glitch '' related to their early pay day feature. On Monday the XXXX, Tuesday the XXXX, and Thursday the XXXX, I spoke with 3 different representatives who all advised that they see the pending overdraft reversal and that I should also see it corrected on my side within that same day ( told this on three separate days ). I have not seen this corrected when I log into my accounts. I called today ( XX/XX/XXXX ) and they can not confirm a date of final resolution. Additionally, problems with the " early pay day '' feature has been an ongoing known issue for Wells Fargo since before XX/XX/XXXX and wells Fargo has taken NO action to proactively warn or communicate with clients about it, and wells Fargo has taken no action to roll back this buggy feature.

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