BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, 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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-05-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Follow up to last complain XXXX, XXXX, XXXX. 
This is a follow up to complains mention above. 
The same people that I complain about in my complains above. I was ready to get in my car when a gray sedan ( license plate XXXX or XXXX ) speed up and park beside me. It was a intimidation tactics because that was in between to 2 handicap parking and the car didnt had a permit. 
The intimidation tactics are getting me very afraid I know is midland collections. I am reaching to the police. 
The intimidation tactics are not going stop so I am filing a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: MoneyLion Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went this evening ( XXXX ) to use my roar money debit card to buy some food. The card gets declined. I have {$520.00} in the account. I contacted customer support to only be told scripted mumbo jumbo about sending documents, and the account will be unlocked in 7-10 days. All transaction history was done by me after carefully reviewing it. I'm not sending them any documents or waiting 7 to 10 days to use my money, because I did nothing wrong. I demanded numerous times to release my funds and they refused. 
I had this same issue around the XXXX of XXXX this year, and now I'm considering after this complaint is resolved filing a law suit for damages against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The nature of this correspondence is to inform you an error and greivance that has caused me severe hardship on my credit report, i'm speaking of the charge-off ( s ) on my XXXX and XXXX credit file. On XX/XX/XXXX I made a payment to Navient I have attached my bank statement to this message as proof. 


I had made a payment but the loans were still charged-off on XX/XX/XXXX. According to the Cares Act their was a Covered Period that started XX/XX/XXXX which goes 120 days after XX/XX/XXXX. Under those terms I should've been covered without the derrogatory marks and late payments on my credit file. Furthermore I was informed by a Navient Supervisor that there was a program that I could've qualified for that could have saved me, but Navient did not disclose this information to me. 


Lastly I have made a several of payments in XXXX I have attached bank statements to this message. And I bring that up because as you know Navient is in a Lawsuite with the CFPB ( Article attached to this Message ) where they ( Navient ) forced borrowers into high payments which had a negative affect on borrowers credit file and I was notified that I was a victim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This compliant file against the law frim of Molding & Slinsky, PA XXXX XXXX corporate office in XXXX FL. Who is the represent of XXXX XXXX XXXX Here are the fact XXXX XXXX is a company were the member had to pay a member duties of XXXX per year. card number XXXX is a gold card. XXXX XXXX NO reason the closel the card base on these fact that they request financial statement for the year XXXX and give the client just 15 day to send the finical report to them. the client could not produce the financial base on the fact that CPA was out commission for a year. XXXX XXXX just had bill the client the card for XXXX membership fee. which in fact that shall be refund back the client. the client have never missed any monthly payment or late that XXXX XXXX request over since the card was issue back in XXXX. the evidence will show that there are two card that  have a XXXX per card per year membership fee. Which is XXXX that XXXX XXXX just bill the client for. XXXX XXXX need to refund those charge. and this account is not past due on the second card number is XXXX but XXXX XXXX failed to put that card in collection why? we just pay then on or about XX/XX/XXXX for amount of XXXX and the pay ment was XXXX and pay them on XXXX XXXX XXXX forXXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX which is XXXX in one month. CFPB need to invesgatin XXXX XXXX for take there client money and then close there account. that unfair practice. please have XXXX XXXX to produce and presented a validate document of this debt by a sign date personals Guarantee by  the owner of a LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is a unauthorized charge on my account for the amount of {$110.00} I contact BMO and they stated they can not due anything for me to obtain the money back.

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 monetary relief
Consumer complaint received 2019-05-26
Company: CADENCE BANCORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Cadence Bank sends notifications of the customer account activities via unsecured and not encrypted email messages. The information in the messages includes payment transaction amounts and names of the payees and is made accessible by unauthorized third parties. 

When contacted by the customer about the issue, Cadence Bank responded that they do not consider transaction amounts and payee 's addresses sensitive information. 

Cadence bank rationale of not protecting transaction amounts and payee addresses as sensitive information, as expressed in the attached response from its customer service, was that it is the same information " as would be printed on a physical receipt at any merchant ''. 

While I understand that certain physical instruments used in processing payments by the banking systems contain payee 's name and transaction amount, I expect that such physical instruments are protected from being accessed by unauthorized third parties by being physically stored in secured locations or transported by mail carriers with appropriate level of security. It appears to me that Cadence Bank 's management does not understand the difference between storing and transporting sensitive customer data via physical instruments and unsecured and not encrypted email messages. 

Perhaps the Cadence Bank 's management is not aware that information that is transmitted by unsecured email messages is travelling through multiple internet cables and routers, it is being stored in unsecured and not encrypted form by many parties handling the data transmission, and as such is easily accessible by unauthorized third parties anywhere in the world. 

There are plenty information online describing why companies should not use unsecured email to transmit the type of information that consumers would like to keep private. For example, a quick internet search can point Cadence Bank management to the following article 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
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

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 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Self Financial Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I opened an credit builder account XX/XX/XXXX. I paid off and closed my account as of XX/XX/XXXX and was told Id receive my payout XX/XX/XXXX. I spoke with a plethora of representatives to supervisor and I have yet to receive any response to when my funds will be released. Instead I was told my money will be frozen until I can provide personal information such as my social security card and a picture of myself to unfreeze my monies that I paid to them back. This is inappropriate to be asking seeing that you sign up I provide valid information to send them money to hold until I requested payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: OneMain Finance Corporation
State: VA
Product: Credit reporting, credit repair services, 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 One Main has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681A Definitions Rules of Construction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The following transactions were on my checking account and total the amount of {$2500.00}. Huntington will not provide me with any information regarding the fraud departments findings after many phone calls I have made to them. They continue to tell me the info will be mailed to me and I yet to receive anything. They claim I did approve the first 90 days of payments, but will not provide me any information on how this was proven in their investigation. They will not help me determine what happened with the rest of my money or how to get it back. These are all withdraws from a company called XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have confirmed with me I don't have any type of account with them. 
XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are so many inquiries on my report which I dont know because I came new and someone took advantage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Self Financial Inc.
State: OH
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 closed my accounts with this XXXX  and XXXX XXXX XXXX and the company has not refunded my money back into my bank account as stated. Close to {$4000.00} Theyre now ignoring my emails. 

The Company is : XXXX XXXX XXXX and their address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have variously disputed several negative accounts from my report. I have disputed several times which i believe should be removed from my credit reports. I have previously disputed various times. Yet, no help. Therefore, I believe these negative accounts should be completely off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Bread Financial Holdings, Inc.
State: MN
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:
In XX/XX/XXXX I paid off Comenity Bank - XXXX account - to a XXXX balance and have NEVER used their card ever again. I had both called the bank and wrote them a letter that the account had been paid in full and would no longer be used because I didn't agree any longer with their interest being charged. I thought that was the endd of it until last week. 

I was checking my credit report and discovered that as of XX/XX/XXXX this bank had norified the credit bureaus that the account had been closed - thus I received a XXXX point drop in my credit rating because of a CLOSED account. 

This account was PAID OFF IN FULL, not closed by the bank. This MUST be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, I tried to pay the balance of my Best Buy/Citibank credit card. However, the Citibank payment system did not allow me to log in. I went back online on XXXX XXXX XXXX, and paid the entirety of my balance ( approximately USD XXXX ). 

HOWEVER, next month Citibank sent me a statement with a USD XXXX late fee penalty. I did not pay it because I should not have to be penalized for a late payment that was only late because the bank system did not work the right way. In other words, the only reason why I did not make the payment on time was because the system put in place by the bank did not allow me to do so. 

Now, Citibank and BestBuy have added an extra amount to the penalty, that now totalizes around USD XXXX. 

I called BestBuy/Citibank call center XXXX and they refused to cancel all the charges. They still intend to penalize me with XXXX USD. 

This is the closest thing to robbery I have ever seen. I could not pay because of their defective payment system, and they go ahead and unilaterally impose a penalty for the late payment.

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 monetary relief
Consumer complaint received 2023-03-29
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I got scammed by a work at home Company, used my Credit card for work expenses only To find out it wasnt a real company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: JPMORGAN CHASE & CO.
State: TN
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:
In XXXX, XXXX Chase issued me a check in conjunction with a refund on my credit card. That check was bad, recalled by Chase, when I tried to deposit it. I called in XXXX when I realized the check was recalled and they said they would issue another check. I waited until XXXX/XXXX/XXXX and still had not seen the 2nd check, when I called this time they said the check had not been " finalized '' by Chase. I told them that day that I was not going to wait for several more weeks for a check because they had failed to submit or finalize my request from XXXX, I requested to have my funds made available to me via back onto my credit card or into one of my deposit accounts at their financial institution. After speaking to a supervisor 's supervisor, unbeknownst to me one of their associates put in for another check to be mailed to me, without my consent ( further delaying the process ). They said they would cancel the request for a check to be mailed to me that was not authorized by me and they would attempt to put the funds back to my credit card and that they would call me back in 24-48 hours. 
XXXX I have yet to hear from Chase, so I called again. They said several things from that they were working on getting the funds back to my card, to they were mailing me out another check. I told them again that I would not wait for another check in the mail and that I wanted my funds back to my credit card. The supervisor XXXX was unable to help me, so I was transferred to his supervisor, who was unable to help me and said that it would be another 7 days. 
I still have yet to have my funds ( in the amount of {$170.00} ) made available to me since XXXX, XXXX. 
I am requesting that Chase put the funds back to my credit card, so that I may have my funds available to me. 
I am also requesting this case against Chase be made to proper authorities as I believe that Chase has at this point been negligent on several counts of making a consumer funds available to them. 
Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: TRUIST FINANCIAL 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: Information belongs to someone else

Complaint:
Regional Acceptance Corporation is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Square app credit card processing app closed my account without my permission and without reason. They are withholding {$2000.00}. I am a XXXX  registered Ohio XX/XX/XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation