BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX XXXX and I am submitting a complaint on Branch Bank & Trust Financial institution. ( BB & T ) I began banking with BB & T after being transfered from an employee XXXX account during their BIG transfer. The situation began while I was working at a XXXX XXXX making about {$25.00} a night and began depositing my fund at the local atm by the XXXX XXXX. There were reports of people getting mugged and robvbed and even stabbed after work and I did not want to be one of them, so I began to deposit every last dollar I made. <P/>Before tips I made {$25.00} a night. I would buy a {$5.00} bus pass, {$10.00} phone card when applicable, {$3.00} breakfast at XXXX XXXX on a Bisquit and gravy. ( MMMMMM ) That was my routine. <P/>I did not want the Overdraft protection program and only wanted to spend what I had and stay away from overdraft fees due to my current job. I did not have direct deposit. This is why I DID NOT WANT THE OVERDRAFT PROTECTION AT BB & T BECAUSE THEY WILL HONOR THE TRANSACTION AND I WILL HAVE TO PAY IT BACK AND THAT WAS OUT OF MY BUDGET. <P/>Also, I later joined the BB & T at work prgram @ My new Employer XXXX. We, my training class of about 20, were promised an incentive of {$100.00} after 3 months of banking with the company. We have not recieved that!. Our personal banker, XXXX, promised us this on serveral instances. They have not since then honored their incentive program that they promised to serveral empoyees at XXXX. <P/>Please help us! <P/>With kindest regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated illegal calls from a spoofed phone number. I finally answered and they refuse to say who they are or why they are calling unless i give them my name, date of birth, address & social. When i told them i would not give them that they got verbally threatening, cursing and screaming saying they would send an armed agent to arrest me at work! I owe NO past debts and im on the DNC list. Clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I sent a certified letter to IC Systems for reporting a debt to the credit reporting agencies without validating debt for {$11000.00}. I received a returned receipt from IC systems stamped stating they received the certified letter requesting validation of debt on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received an alert that IC systems has updated my credit report stating the debt was verified. How was it verified and validated with the credit reporting agencies and not the alleged consumer ( myself ). 

After receiving the dispute, IC Systems must send me proof by XX/XX/2019 ( which is 30 days ) that this company owns or has been assigned the debt by the Original Creditor.

Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

If the debt collector does not send sufficient proof of the debt, it is not allowed to continue collecting the debt from me or report fraudulently ( that is a violation under FCDPA ). That includes listing the debt on your credit report. I have submitted a dispute with the CRA that hasn't been adequately validated with the credit bureaus. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that the company provides me with competent evidence that I have any legal obligation to pay them. Due to this fact, if any negative mark is continues to report on any of my credit reports by your company or the company the represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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 2022-02-28
Company: Minto Financial dba Minto Money
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX  is a tribal lender loan. I was referred to them when I found out XXXX  had closed. I didn't realize the APR was 642.51 %. I borrowed {$790.00} and now I owe {$4200.00}. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CURO Intermediate Holdings
State: AL
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 called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to AD ADSTRA Collection Company. And they are reporting on all three Credit reporting Agencies. The debt as well. Under Speedy Cash with a past due balance. Per the FCRA, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt twice. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by Speedy Cash. I feel violated and taken advantage of by Speedy Cash. Im XXXX and live on a set amount of benefits. I am willing to sue Speedy cash. For pain and suffering from this stress being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three Credit Agencies reports. Ive sent Validations letters to all three Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great stress of my being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a online ( XXXX XXXX ) purchase of {$400.00} through my banking card. By XX/XX/XXXX identified that it was a fraudulent transaction. My first thought was to contact XXXX XXXX, who deferred me back to my bank- JP Morgan Chase to help me with this fraudulent activity. On XX/XX/XXXX I contacted Chase and spoke to a representative. He ensured me that Chase has my back, I am fully protected by my bank and that the funds will be refunded to my account within 1-3 business days and not to worry because this happens all the time and Chase protects their customers. 
I did not receive the funds in my account nor did I ever hear back from Chase. A week later ( XX/XX/XXXX ) I contacted chase again to inquire the status of my refund at which point I was informed that there is nothing that can be done, that chase reviewed it and that this transaction can not be refunded. The following day ( XX/XX/XXXX ) my husband who is also on our account also attempted to call chase to resolve it. It escalated to a manager who informed him that even though they previously told me that I am protected and they will refund me this promise will not be up held upon their promise. 
Me as a customer of Chase should expect to receive accurate and timely information, especially when it comes to a substantial amount of money and fraud. What I was told by the chase representative and the outcome of this was not the same, which is that this transaction is protected, not to worry and funds will be refunded. Outcome was that funds were never refunded and we were never contacted by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TD BANK US HOLDING COMPANY
State: NC
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:
A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, Target, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by Target, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. Target has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from Target showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Apple Card through Goldman Sachs advertised as 0 % for 12 months. Got it for/with thousands of dollars in apple products. Then they immediately started charging interest. 

I complained and they said oh yeah you get no interest if you pay the balance every month. Duh. Thats the law. I fee completely scammed and would like to be part of a class action against apple.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company XXXX, XXXX XXXX XXXX, is not only reporting invalidated information on my credit report but they are not bonded for collections in the state of Texas.

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 2022-11-22
Company: EQUIFAX, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting AcXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently experiencing hardship and stated to Navient that I am being affected by COVID. I have been deferred for 12 months due to COVID. They are refusing to defer me although I am not working and have no income. I have spoken with a representative on XX/XX/16, and he did not explain the repayment options and he did send me a forbearance for a federal loan, although I made clear that I was calling about my private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX RAN MY CREDIT 3 TIMES IN ERROR, TRANSUNION AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.

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 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Recently, on XX/XX/XXXX, I was assessed a {$19.00} annual fee for this account. I attempted to seek a waiver of this fee as I have in the past, due to the age of the account and my loyalty I have generally had no problem getting the fee waived. I spoke to a supervisor in Capital One 's regular phone customer service department after a regular representative was unable to assist me. In the past 6 years I have had this account, I have been offered an upgrade/product change one time, and there have never been any subsequent offers available to enable this account to grow with me. I was offered a credit line increase once in the last 3 years of {$250.00}, and none since that time. I have other accounts with much higher limits. I have never been late or delinquent on this account, and yet Capital One has become even more rigid in terms of the account. The supervisor stated that fees can not be waived unless their " system '' determines I am eligible for a waiver, or I close the account within 30 days. She also stated Capital One has become less lenient in giving their basic representatives or supervisors the ability to waive fees as a courtesy. I would hate to close a 6 year relationship over a {$19.00} charge and the inability to provide any sort of limit increase or product change. This is currently my only account with such a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding Discover Payment Protection Plan. <P/>It turned out I was enrolled in the plan for years ( since XXXX ) and paid thousands of dollars in fees. I 've been making automatic minimum required payments for the maxed out card without realizing that approximately {$160.00} each month goes for the service I did not request. I called Discover about it, they cancelled the service and refunded 6 months worth of payments. However this does not come close to the amount I paid over the years. <P/>Attached are two statements - one dated XX/XX/XXXX and the other one XX/XX/XXXX. I was charged almost {$5000.00} just during this period. <P/>I understand I am not the only one who was taken for the ride by Discover. XXXX XXXX XXXX I 've been paying high interest rate for my card balance for many years now, charging another $ XXXXmonth on top of that is just not right. Please help me recover the money. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: TX
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:
I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX   Inquiry  :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XX/XX/XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX   XXXX    XXXX   Inquiry :   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  , XX/XX/XXXX ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by me.

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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?

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 2022-02-14
Company: CURO Intermediate Holdings
State: AL
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 called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to AD ADSTRA Collection Company. And they are reporting on all three Credit reporting Agencies. The debt as well. Under Speedy Cash with a past due balance. Per the XXXX, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt XXXX. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by Speedy Cash. I feel violated and taken advantage of by Speedy Cash. Im XXXX and live on a set amount of benefits. I am willing to XXXX Speedy cash. For pain and suffering from this XXXX being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three XXXX XXXX reports. Ive sent Validations letters to all XXXX Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great XXXX  of my being.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Credit Technologies, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Credit Tech ran my credit for a refinance for mortgage on XX/XX/XXXX that I authorized. I did not authorize Credit Tech to run my credit on XX/XX/XXXX because I decided not to go through with the refinance. I am not sure why they ran my credit without approval. This needs to be removed from my inquiries list asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 paid XXXX XXXX and XXXX XXXX to XXXX balance, and all credit reporting agencies are not reporting that I paid these accounts to 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 2022-11-22
Company: EQUIFAX, INC.
State: TX
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 discovered that there is information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$6400.00}

Company response to consumer: Closed with explanation