BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: PA
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 XXXX Account # XXXX XXXX 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 written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: OH
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:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Continental Finance Company, LLC
State: MS
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 applied for a surge credit card and was approved for a XXXX dollar limit. Once I received the card i webt thriugh the online account set up. But once I read the interest rate abd fees I hung up on the account activation specialist abd decided not to activate the card. HOWEVER, continental finance still activated my account and though the card was thrown away and never activated for use, they are saying I owe XXXX dollars with XXXX dollars past due. I never activated the card, I never fully opened the account. I decided I didn't like the terms. I thought The account would be closed when the card was not activated. If they did activate the card they never got my permission. AGAIN the card was never used but I have a XXXX dollar ballance? with XXXX due and XXXX past due? What? No way.

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 2017-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Portfolio Recovery constantly contacted me about debt owed to XXXX XXXX and XXXX although I told them not to. Also they reaged the debt and rudely informed me that I would have to pay or else. They said they would continue to ruin my credit. I was coerced to pay it and was promised that the items would be deleted from my report. The items are still listed on there although I have disputed them. One of the supervisors was also really nasty to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Risecredit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am under XXXX  XXXX protections. This credit has continued collection efforts and severely damaged my credit. My attorney has sent them numerous communications on this. I also called and correct contact handing never called me back. They are breaking the law and I have asked my attorney to get federal bankruptcy court involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Consumer Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
From : XXXX XXXX <XXXX> Subject : Fraud ob XXXX Check I did not write a check to XXXX  for XXXX. I have not written any hand checks since XX/XX/2019 for XXXX please remove charges and reverse courtesy pay. I should have XXXX in my account! Please investigate now and remove fraud XX/XX/2019 Withdrawal Fee / Courtesy Pay Fee In the amount {$30.00} XXXX XXXX - {$35.00} - {$63.00} XX/XX/2019 ACH Withdrawal / XXXX XXXX - {$30.00} - {$28.00}

Company response to consumer: Untimely response
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Chase business checking account for my business on XX/XX/23. I deposited checks for customer orders for about a month and a half. I called them on XX/XX/23 about a payment issue and they told me my account was restricted due to I think they said some stop payments. All of the rest of the checks cleared ( and all the checks are legitimate checks of course ). I tried to resolve this on the phone to keep the account open by them verifying the checks. But XXXX of the check makers did not want to give out the information over the phone to them so they said the account would then be closed. I received a letter in the mail from them saying the same thing. They said my account would be closed on XX/XX/23 and a check would be sent to me in the mail for the balance. I called them again on XX/XX/23 and they told me they had to verify all the checks yet again before releasing the funds to me. They already went through this exercise. Also, the balance consists of checks that have long since cleared. They are holding my account up and not releasing the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple accounts on my report I do not recognize

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 2020-07-14
Company: Experian Information Solutions Inc.
State: VA
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:
Deparment of education/XXXX  is reporting a 90 days late payment in XX/XX/XXXX for 20 different federal student loan accounts with experian & XXXX & 22 accounts with XXXX, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.

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 2022-12-15
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal student loan servicer is Nelnet - I had previously paid off my entire loan balance on XX/XX/22 ( payment made that day of {$220000.00} ) and had a {$0.00} balance on my account as of XX/XX/22. I contacted Nelnet by phone on XX/XX/22 and asked for just {$10000.00} of my payments to be refunded to me under the XXXX act, the representative confirmed that it had been submitted. I called again on XX/XX/22 to check-in that they had everything that they needed from me and to confirm again that I only wanted {$10000.00} refunded to me- and that I did not want anything additional to be refunded. I received a credit reporting alert on XX/XX/22 that there was a change in my credit report and that my student loan balances had increased. Upon logging into my Nelnet account on XX/XX/22 it showed that my previous {$0.00} balance was not {$220000.00}. I spoke to a representative on XX/XX/22 and questioned why so much was refunded to me- they could see in their records that I had in fact asked for only {$10000.00} to be refunded and that there must have been a " glitch '' causing so much more to be refunded. They said there was nothing further they could do at that point and I would just have to wait until I received the refund ( could not give me any information on when to expect the refund ). Upon logging into my Nelnet account again on XX/XX/22 my balance increased yet again - to {$280000.00}. I called again on XX/XX/22 to understand what was happening- the representative said a balance that had been paid previously to another lender was also refunded ( {$61000.00} ) that was added to the {$220000.00} balance on my account. They said it had not yet been sent to the XXXX XXXX XXXX XXXX so there was a chance they XXXX be able to stop this refund but they couldn't guarantee this. At this point in time this is impacting my credit report showing a large amount of debt and I have not received any sort of refund to pay this money back and reduce the balance. Their mistake is impacting my ability to complete the necessary applications/have satisfactory debt/income ratio to close on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: NAVY FEDERAL CREDIT UNION
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:
Late Payments on credit report In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 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 an account without my written instructions. 

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Due to these violations I have a right to sue per violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Skrill USA, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Skrill promised the money I sent to an individual would be available for them to withdraw. It is not available for them to withdraw. They have yet to show proof that it is available for them to withdraw and have instead decided to keep it for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: MD
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:
Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.

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 2023-06-27
Company: GOLDMAN SACHS BANK USA
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:
Remark Code " Dispute resolved, Customer disagrees '' was added to my credit report between XX/XX/XXXX - XX/XX/XXXX this remark code needs to be removed. The Dispute has been closed in my favor and the temporary credit given has been made permanent to me. 

Given that the dispute has closed in my favor and the temporary credit has been given to me. 

The remark code " Dispute resolved, Customer disagrees '' Should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: MI
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:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 2 ) account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This week while looking through my wallet I came across an American Express Serve card that was given to me by my mother on my XXXX birthday on XX/XX/2019. I had received this card as a gift with a {$50.00} balance. When I received this card, I did not contact American Express, download and app, or make any efforts to register or activate this card. Upon looking at this card yesterday, I attempted to verify the balance on said card. When I contacted the company after following the steps on the back of the card I was told that there was a XXXX balance. I inquired how there can be a XXXX balance as the expiration date had not lapsed and I had not made any purchases with said card. The operator relayed that the card was being charged a monthly maintenance fee from the onset of the purchase. I explained this must of been a mistake as my mother had purchased this card at XXXX with the preface that is was a gift card. I asked if there was a way for me to speak to someone regarding having the initial {$50.00} dollars returned as I had never activated the card or registered it, therefore the money should just be sitting in escrow, and what maintenance exactly would apply, theres been no use. I was told, and I quote, there is nothing we can do and no one you can speak to here that can do anything. This card was being sold at a retailer, on an end cap amongst the other gift cards. How can a large company that continues to profit not have a means to rectify a situation in which a consumer purchased a product under false pretenses. As I stated, my mother purchased this card, I did not. I did not agree to any terms, register, or seek assistance regarding this card prior to yesterdays inquiry. What maintenance is applicable. I think its safe to assume my mothers intentions were not to purchase me a piece of plastic to pay and activation fee, put {$50.00} dollars on it for the product to act as a donation tool to American Express. I am looking to speak to someone who can rightfully return my intended gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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: Information is missing that should be on the report

Complaint:
XXXX XXXX declines me b/c they don't have accurate information XXXX is not reporting all my paid accounts proof is attached XXXX XXXX doesn't show up on paid accounts costing me loans XXXX XXXX I paid how the loan have proof attached XXXX still showing XXXX owed attached proof of paid

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 2018-03-12
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This weekend I got a master card from Netspend, XXXX XXXX XXXX, XXXX, TX XXXX. I did not request this card nor do I want it. When I tried to call the phone number on the back of the card, the phone system would not let me talk with anyone unless I entered the card number. When I did this, the system started to activate the card. I hung up to try to stop the process. When I went to their web site, the only phone number given was the one on the back of the card. When I tried to use the a link to send customer service a complain email, the wed site blocked it. I did send an email using my email app to the customer service and the president of the company. This company provided NO option to contact a person to get the card I don't want cancelled and removed from my record. They should be investigated for unfair or illegal practices.

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