BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My XXXX  from XXXX has been getting deposited on Relia card since XX/XX/XXXX. I had no problems using the card until XX/XX/XXXX. Relia card locked my account and asked me to fax documents proving my identity. I faxed all the documents they asked for except my XXXX tax return. The reason that was not faxed was because it was done online as just a non working tax return. This complaint is very urgent due to the fact that i have no money to live. I am about to be evicted due to relia card not allowing me to access my money. I have tried to get XXXX to deposit my money into my checking account but they keep putting my money on this Relia card which has unlawfully locked my money. They have a horrible customer service. Please i do not want to have to pay for a lawyer to allow me to access my own funds. At this point i feel they are stealing my money. There is no fraud i couldnt remember my password to sign into their mobile app so i tried over three times amd they locked it. Like i said this is very urgent i get this fixed. I have called their customer service everyday to try and get this resolved. Please let me access my money from XXXX. That relia card is a horrible pre paid card i just want what is rightfully mine.

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion should not be reporting that I am ( 90 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-10-09
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am writing this due to non compliance and falsifying documents with debt collection agency : Convergent Outsourcing inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX They have failed to provide me with sufficient information to prove I owe a debt of {$1700.00}. On XX/XX/2020 they mailed me a debt validation letter after i filed a dispute online. I also most importantly want to point out they are illegally using the symbol of pre sorted first class mail on the document they mailed to me to validate this debt. I have worked at the Post office for 10+ years and I know for a fact that pre sorted " PAID '' FIRST CLASS STAMPS '' are not supposed to be used on the bottom of billing statements. They are only supposed to be used on the outside of envelopes when mailing something through the Postal Service. I also stated this to them in a debt validation letter i sent them on XX/XX/2020. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I will also be reporting the company to the Postal Inspectors and Postmaster General.

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 2018-01-27
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: Account information incorrect

Complaint:
I submitted a certified letter to Credit Reporting Agencies Experian, XXXX, and XXXX  in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

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 explanation
Consumer complaint received 2022-08-12
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: Account status incorrect

Complaint:
On XX/XX/XXXX I called Equifax and wanted to discuss my credit report and the erroneous accounts. They rushed me off the phone and told me to contact you so I am wring you now.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes XXXX years after Equifax announced XXXX of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XX/XX/2017 for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is reporting on my credit report for the amount of XXXX. I disputed this item and also sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX has not responding and XXXX XXXX XXXX keeps reporting this item on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX I signed up with global Client Solutions to pay down my debt. On XX/XX/XXXX they debited out {$690.00} from my checking account. Global Client Solutions continued to charge me {$690.00} in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on are approximately on the XXXX day of each month. Global Client Solutions promised to assist in paying down debt. As of today no debt was paid down by global Client Solutions. On XX/XX/XXXX I asked Global Client Solutions to close my account and refund me the money. Global Client Solutions sent me a check for {$1800.00}. I assume that the rest of the money is being held as fees. They did not pay down any of my debt and I believe they are fraudulent. Global client solutions claimed to have paid {$290.00} to XXXX credit card and assessed the rest in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I submitted a certified letter to Credit Reporting Agencies XXXX, Transunion, and XXXX in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

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 explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-01-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2017 I paid XXXX to XXXX accidentally. I immediately called both chase and XXXX card service and they both said the money would automatically bounce back into my account. This has NOT happened. The transaction ID is XXXX. XXXX card services has already investigated this through the consumer financial protection bureau and says that chase is the one who should issue the credit. The initial consumer financial protection bureau is number is XXXX. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX, XXXX XX/XX/XXXXdeliberately accessed my credit report WITHOUT my consent. This is illegal. 
Then she asked me to sign a document for a loan, where she misquoted the terms, after I had over four ( 4 ) hours of major dental work and was heavily sedated and fatigued.

Also, over four ( 4 ) hours earlier, before I was in extreme pain and fatigue, she verbally agreed that I could pay with my credit card, half of the fee, that day ; and the remaining balance when service was completed. 

I am XXXX years old, XXXX, XXXX XXXX took advantage of me by deliberately : - illegally accessing my credit report without my consent ; - unilaterally changing our prior payment agreement ; - informing me about her above-listed actions when I was in distress. 
- having me sign an agreement, and falsifying the terms, while I was in distress. 
- this voidable agreement was at 27 % interest rate, while my credit card was 22.25 % interest. 
She put me at a financial disadvantage of XXXX basis points. 

Comenity Bank did an investigation, and after 90-days they just gave me the agreement that I signed under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We have a Chase Sapphire Reserve XXXX. We always pay in full every month. We pay {$550.00} per year for this card. We are currently in XXXX for 90 days on a XXXX XXXX. We have no cell service and limited XXXX. We tried to purchase a tour on our card and it was denied. So we paid cash. We had used the card to purchase the cruise months ago and also XXXX tours through XXXX XXXX. Chase does not require you to file a travel plan. When we got XXXX they sent us an email asking if we had attempted to use our card for the tour or was it fraudulent. We replied it was us. They went ahead and cancelled our card even though there was no fraud. Here we are now stuck in XXXX with no cc or way to get new cards. They mailed new cards to our US address!!! We called twice and got no where. We have consistently emailed Chase requesting they reinstate our card at least till we return home in XXXX. We have begged and pleaded. We feel there us no customer service or u understanding of our particular situation. They have lost nothing. We have lost everything. No one is willing to help us. They cant ship new cards to a XXXX XXXX XXXX XXXX!! Many ports we are only at one day. We have asked to XXXX to upper management but to no avail. The new cards will sit in a mailbox. We have no new numbers, expiration date or PIN numbers. What about our automatic payments!!!! Its really absurd. We feel like XXXX XXXX  citizens and totally disrespected. We need help from someone who gets this situation. XXXXXXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.

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 2020-06-18
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a notification from a credit bureau notifying me of a collection on my account from sequium asset solutions for XXXX. This collection agency did not bother to call me or mail me anything to inform me I owed money and they reported it to the credit bureaus before I could make it right and pay the XXXX so they did not report it on my credit history. I paid the collection on XX/XX/XXXX I have a email from them confirming my payment. It is now XX/XX/XXXX and I have yet to receive a paid in full letter that I have requested twice. I also would like to get this off my credit history and they will not report to any of the credit bureaus that is paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I represent myself. I sent a cease and desist and validation of debt, Capital One received it on XX/XX/2021. They did not answer any of the questions on my audit request. Soon after they closed my account within the 30 days of Cease and Desist. Also they report fraudulent delinquent activity on my credit report. It has cause so much anxiety and stress because I exercised my rights as a consumer. Under Title 15, Capital One has committed misleading, deceptive acts. XXXX XXXX I sent them my billing error notice because they were not truthful as to how to make payments for my alleged debt. I demand an answer, full documentary evidence and for opening new accounts with the correct methods of payments issued on my account pursuant to 12 CFR 1023.13. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Had a vehicle that was financed at the Bank that was traded in and paid off in XXXX. Subsequent to the payoff, another payment ( {$540.00} ) was sent by my bank due to my failure to stop the automatic draft in time. I have since called the Bank and spoke with numerous people ( at least 6 phone calls ) who all told me they would be sending me a check for the payment in about a week. This went on for three months. Today I called them again because I still have not received the check. The CSR that I talked to today informed me that my payment was applied to a family members account that I have nothing to do with. So I had that family member to call and confirm that the payment was posted to their account so that I could get them to refund my money. I gave her my case # and she called and spoke to two different CSRs who both told her the payment was not there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital System is reporting a debt that was involved in identity theft and fraud under my name. Im not aware of any such debt. As I never received any correspondence by this debt collector. Instead they reported this debt to the credit report agencies. Im requesting under an original contract and an actual signature that shows 100 % verifiable proof under the FCRA with 100 % accuracy that they have the LEGAL right to report this debt. If they are not able to provide 100 % verifiable proof and accuracy with my actual signature and a contract agreement the reporting should effectively be removed immediately from all credit reporting agencies promptly. Further reporting will result in me seeking legal remedy for violating my rights in the statues governed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation