BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: AL
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:
I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX ) is reporting 2 derogatory accounts on my XXXX, XXXX and Equifax. XXXX XXXX XXXX  ( XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. 'XXXX XXXX XXXX XXXX  ( XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report ( XXXX XXXX {$610.00} and XXXX XXXX {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, Equifax, XXXX and XXXX. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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: Old information reappears or never goes away

Complaint:
On XX/XX/2019, I sent a letter to the credit bureau listed below along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the accounts ( s ) until I pulled my credit reports for review. I've asked the credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, I have not received a copy of my credit report and the item ( XXXX  XXXX  {$4900.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$490.00} ) continues to be reporting and affecting my credit. It would be of great pleasure if CFPB would assist me in resolving this matter. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX accordance with the fair credit reporting act XXXX XXXX Acct # XXXX Credit Coll Acct # XXXX XXXX services L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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.

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 2018-04-13
Company: Receivables Performance Management, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX2016 a debt collection in the amount of {$530.00} was added on my credit report by the collection agency Receivables Performance. I have sent in 2 debt validation letters requesting they send me the original signed contract I have with them to validate the debt they have sent letters saying the debt was validating but I'm not provided the information as to how?.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: OH
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:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and DOB 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 2023-04-26
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a XXXX XXXX XXXX credit card at the store in order to make a tire purchase on XX/XX/XXXX. The agreement was a promotional 6 months 0 % interest thru Comenity Capital Bank. In XX/XX/XXXX Comenity immediately started charging me interest @ 25 % +. I contacted Comenity bank in writing in XX/XX/XXXX and received a confirmation of the dispute in writing dated XX/XX/XXXX. Comenity claims they can take up to 90 days to resolve a dispute. I went ahead and paid of the total charge ( the only charge ) made to this card totaling {$1100.00}, on XXXX XX/XX/XXXX. Since then Comenity continues to charge me interest, late fees, and send me statements. I called in XX/XX/XXXX for a resolution, no resolution. I called in XX/XX/XXXX, no resolution. I called on XX/XX/XXXX and no resolution was reached, instead the service person opened a new dispute dated XXXX XX/XX/XXXX. Now Comenity is claiming they are missing the original dispute from XXXX XXXX in XXXX I was able to " close this account '', however Comenity refuses to stop the late fees and interest accumulation. Now I, my family, and my acquaintances are getting collections calls from their collection division, and it is having a negative impact on my credit reports. There is no way to call their dispute division directly, multiple customer service persons have " sent them an e-mail '' and I have heard nothing. This is abusive! We are now 7 months hence from the original dispute, I have no one I can call, and no one will call me back. I am just watching me credit score drip downwards unless I pay them, currently, {$220.00} ( XXXX % of the original purchase price ). This is criminal abuse of customers! I have lost countless hours of time trying to resolve this credit card agreement, and there is no end in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09
Company: Ceannate
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Recently received an order from my employer 's Human Resource Department that my wages were going to be garnished due a student loan. Now, I was aware of the actual student loan, but the garnishment of not only my wages, my taxes where also seized. Thus, I called the collection agency to verify and they HAD THE WRONG ADDRESS!! It was a residence I lived at approximately 6-7 years ago! I was under the impression that I 'm suppose to have at least 30 days of notification of the actual wage garnishment! But it was sent to an old address. Furthermore, the amount the agency asked for is susceptible. This story is " To Be Continued '' hence I have to forward my now residence information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
a collection company is harassing me and reporting an account that is not mine on my credit and calling my job repeatedly and filling up my work email with collections messages after i asked them to stop calling me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Navient Solutions, LLC.
State: TN
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 have a closed account with Navient that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with Navient was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with Navent regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Comerica
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my Comerica debit card stolen and unauthorized transactions showed up on my account. I opened a dispute with Comerica. They provided provisional credit for {$3000.00}. Well, I received a letter from them today that my claim has been denied. Their reason? Because the Authentic Chip-Read Card and PIN were used in the transactions. No, kidding??? You mean the thief that stole my debit card also stole the chip inside the debit card? Wow! Now, I have no idea how they got my PIN number. My guess is that they saw me punch it in. Regardless of how they got it, they got it. I explained all of this when I opened the dispute claim and they were happy to investigate only to come back and deny the claim based on the exact same reasons I filed the claim in the first place. Their other reason for denying my claim is that there were no failed PIN attempts. Someone please explain to me what that has to do with anything! So their whole investigation concluded that my debit card was used so were just going to assume it was you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: FL
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 following accounts 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 XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2019-03-19
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, My name is XXXX XXXX, a residence of Massachusetts. I got a kitten from a cattery called XXXX XXXX XXXX, owned by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX, XXXX XXXX, Email : XXXX. He introduce a shipping service called " XXXX XXXX '', owned by XXXX XXXX, Located at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. Tel : XXXX, Email : XXXX On XX/XX/XXXX I paid them {$950.00} for cat and shipping based on Invoice # XXXX. But on XX/XX/XXXX they ask extra $ 975+ {$1000.00} for vaccine, rental of crate and insurance, which is not mentioned on contract and claim to be refundable. On XX/XX/XXXX I was informed death of my cat and they promise full refund of $ 8000+ {$900.00} refund of crate, but with {$1200.00} processing fee before that. After payment of {$1200.00} they stop replying my call or email, vanished with $ 950+ $ 975+ $ 1000+ {$1200.00} in total. And their customer service number is invalid. 

I tried to contact paypal and XXXX XXXX XXXX for help but they insist receipt of service/ merchandise should be solved with merchant and the transactions are authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: WA
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:
This account includes no information, ive reached out to the collection agency on numerous occasions to have this information updated. Ive disputed this with Experian and the failed to provide proof or update the correct information on my credit report. Per FCRA if they can not verify or update this they need to delete it.

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 2022-07-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is having people call me from unblocked and blocked numbers. I told them I am XXXX  and can not pay but they keep calling to settle something. I can barely feed myself how can I pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Hello, So I traveled to XXXX recently and was charged an extreme overage at a restaurant. I spent about {$20.00} and they charged me : XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XXXX {$700.00} I contacted Chase about the charge. They temporarily reversed it but then gave me a call saying the merchant provided evidence and I did not respond to their mail. I contacted them back saying they did not send me any mail. They said the dispute has been closed in favor of the merchant. 

It was reversed : XX/XX/2019 REBILL XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Not sure what can be done because this merchant is in XXXX and I am in the US and tried calling but they just hang up. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: LA
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:
EXPERIAN WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, EXPERIAN IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM EXPERIAN, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.

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 2019-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
Accounts XXXXXXXX  and XXXXXXXX XXXX XXXX XXXX XXXX. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. 

USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. 

XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. 

XXXX XXXX XXXX is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. 

USAA is only for USAA members and Military and family members. The XXXX XXXX XXXX  cards were never open to Non Members and Non Military at any giving time. Sending me phony 1099-c tax forms and a {$10.00} dollar refund check with different account numbers. 

XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. 

I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. 

I GOT XXXX!! 

USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Block, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I wanted to cash out the {$1100.00} in my CashApp account using their phone app. It defaulted to the instant transfer with fee option. This is not the option I wanted - I wanted 2-3 business days with no fee. I have never used the fee option before. I accidentally tapped the transfer button while on the default instant transfer screen. There was no final step or confirmation before the transfer was completed to confirm that it was the correct selection. I had never used it before and was not aware of this fact. I immediately contacted customer support to try to reverse the action or cancel the transaction but was told it was not possible. I do not think it is fair to consumers to have no confirmation screen in between the cashout page and the execution of the transfer. It happened by mistake, and far too quickly. At the very least, if there is no final step in the process to confirm that the fee option is what the customer wants, the fee option should not be the default selection that comes up. I feel that it is an unfair business practice to not allow consumers to give a final confirmation that they are being charged unnecessary fees. An " are you sure '' type of intermediate step is the expectation when it comes to payment screens, especially online or on a touchscreen phone or tablet, where a person can easily tap a button by mistake. I would like a refund of the fee charged to me. I also feel that CashApp should be required to either default to the no fee cashout option, or else to have a final confirmation before completing the irreversible transfer. The way it is set up currently feels like a trap. It causes customers to pay fees by mistake, with no recourse to fix the problem after the transfer is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX XXXX XXXX through an authorized dealer. The services never worked correctly and some equipment never worked at all. XXXX let me out of the contract. This was between XXXX and XX/XX/2022. This week, Hillcrest Davidson collection agency posted a debt of {$1700.00} to my XXXX credit report. I did my due diligence to cooperate by calling XXXX and XXXX XXXX to optain what the collection agency wanted. I got a zero balance statement and a billing history report, but Hillcrest Davidson sent me a screenshot of a supposed statement. No services were rendered and XXXX had terminated the contract due to it not working in our area. XXXX XXXX, sold my information falsely reporting a charge that XXXX does not have, but they state that it is coming directly from XXXX. The bottomline is that they sold my information and have misrepresented a balance that is fradulant. I need this to be removed immediately, please, because it is fraud and I am in a time constraint to purchase a house. This is extortion because after I proven that XXXX let me out of the charges for lack of service from them, XXXX XXXX has sold my name is false information about the balance and the time of service. Please help me.

Company response to consumer: Closed with explanation