BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: Clear Debt Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keep calling about a debt they are saying I owe. They are threatening me and calling my work. I have asked them to stop. I XXXX  the number and it said they were collecting for XXXX. I contacted XXXX   and they apologized and said that the call was a fraudulent scam! The collections company said they were CDR. They asked for my social security number! They also leave a ton of personal information in voicemail messages that anyone could be listening to!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
X/XX/2017 I tried to initiate a credit freeze with Experian following the XXXX data breach. Experian took all of my personal info online, including SSN and credit card info. Then I received a default error message that I would have to mail in my request : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' The info I entered was correct. I did it twice. I had just used the same info for a security freeze with XXXX. 

I tried calling, and got a recording saying to call 'during regular business hours. ' There is a huge customer need to do a security freeze, and Experian is impeding this. Clearly, the online Security Freeze is not working. Others are reporting the same issue online. Is Experian really taking calls 'during regular business hours ' from a few 100K people? This is shameful. It leaves me vulnerable due to Experian 's intentional neglect and willful inaccesibility.

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 2019-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute Resolution Process- Capital One Card ( Visa ) The representative and supervisor stated that the dispute process takes up to 90 days- allowing the merchant to respond. If the merchant does not respond, the dispute status is changed from pending to resolved and closed. However, for my dispute the 90 days count did not start from the moment the dispute was made ( XX/XX/XXXX ). It was started on XX/XX/XXXX ( a date I was out of the country ). After speaking with the representative supervisor she said actually, the process takes 45 days. Then she said it took 30 days. I asked her why she went from stating 90-45-and then 30. She stated that 90 days is what is stated in the confirmation letter sent to consumers. But in actuality it is 45 days if the card is a MasterCard and 30 days if it is a Visa. I explained to her that I needed to have the correct information because I was pending a pre approval for a mortgage and the dispute was showing in my credit report as pending. I needed a clear date or a letter from Capital One indicating that they were waiting for the merchant to respond within 30 days and if no response from the merchant, the dispute would be resolved. She stated that she was not supposed to tell me that information. That she was " educating '' me. 
The practices of this Company 's dispute process are misleading as they are stating misinformation to the consumers and jeopardizing the financial opportunities to those that have been loyal customers to its business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: LEXISNEXIS
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After I shopped for new homeowner 's and car insurance in XXXX, XXXX, I found out that Lexis-Nexis had provided my file information to prospective insurers. When I received a copy of my report, I found numerous errors, including apparent typos and, more significantly, an old address where my ex-husband lived that I had never even visited and conflation of automobile insurance policy and claim records for myself and a friend who rents a room in my house. Lexis-Nexis corrected the typos but claims the other errors represent accurate information, without providing any information about how I can correct the record. 
The old address for my ex-husband dates back to about XXXX and probably was the result of an error made by a bank where we both had individual checking accounts ; the bank started sending my account statements to his address. The bank employee with whom I met expressed significant embarrassment and I immediately closed my account. 
The conflated auto insurance records potentially influence both of our ability to purchase auto insurance at favorable rates, since both of our cars and both of our claim records are listed. We purchased our cars independently, insure them separately, do not drive each others ' cars, and were not involved in the accidents leading to the other person 's claims. 
The letters I've received from Lexis-Nexis do not identify which of the errors they corrected, which errors they claim are correct information, and the sources of the incorrect information. Identifying these errors requires accessing a 100+-page report online and wading through it line by line. I also did not receive any explanation of why Lexis-Nexis seems very happy to report false information while ignoring explanations of why it is false from the person whose record is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I found check fraud against my checking account ( someone intercepted a check from the mail and altered the pay to field ). Call 1 to USAA, they had trouble submitting the complaint, I was told they would call back once they got it to go through. Call 2, I called because I never heard back, and was told the fraud complaint was submitted and I needed to wait. Call 3, I had waited a couple of weeks and still hadn't heard anything, was told that the complaint was never actually submitted, but they got it to go through during this call. Call 4 a couple weeks later, was told it was still processing and they were backlogged. Call 5 was because I suddenly found that all my accounts were frozen ( not just the account with check fraud ) and a bill payment had been rejected. Spent over an hour on the phone straightening it out, and when I asked why I wasn't informed about the frozen accounts, the rep confirmed no notice had been sent out ( she didn't know why not ). They also refused to reimburse me the NSF fee from the rejected bill payment. All reps I spoke to except on Call # 3 were incompetent. And freezing ALL of my accounts without ever informing the customer is unacceptable bank practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE BEEN TRYING TO GET THE CREDIT BUREAUS TO DELETE THESE ACCOUNTS THAT WERE NOT OPENED BY ME REMOVED FROM MY CREDIT REPORT SO I CAN REFINANCE MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
written in and spoke to numerous call center representative to address accounts/information that is reflected on my credit files that do not belong to me have completed and submitted police reports and ID Affavaidts to support claim of no ownership of the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX these accounts are not mine and are invalidly reporting on my credit file

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 2019-03-01
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: Information belongs to someone else

Complaint:
I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. Experian will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

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 2019-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today XXXX XXXX and on XXXX XXXX I saw on my XXXX XXXX Equifax report. On Equifax and XXXX XXXX credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On Equifax is 2 inquiries one from XXXX XXXX XXXX  and from XXXX XXXX XXXX   XXXX XXXX. These inquiries was not done by me. Also XXXX has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX ... .. this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XXXX, XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX is refusing to review a complete modification package stating that it is too close to the sale date. Yet the file was marked as received and in review per Execive office. XXXX XXXX is dual tracking which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CITIBANK, N.A.
State: NC
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:
XX/XX/XXXX - Was double charged for TV, as when Best Buy agent canceled order, it did not reflect in Best Buy inventory. Never got that TV, but the issue at hand is, that charge is stuck. Called Citibank who services Best Buy card. They sent me back to Best Buy, and am stuck in loop. 

Emailed Best Buy Corporate XX/XX/XXXX, once new statement was out, and I saw charges. They contacted me with resolution about gift cards being used to pay off the incorrect charge. I have voicemails from XXXX at BB executive office with the above solution for reconciliation ( XX/XX/XXXX ). Weird way to reconcile errorcould this be XXXX compliant?? 

XXXX direct line at Best Buy Executive Office - XXXX. You can verify everything with him. Happy to provide you with emails to Best Buy, and voicemails from XXXX with supposed resolution. 

Today its XXXX, and my account is still double charged. I feel like Im held hostage at this point. This is impacting me credit utilization, and thus my XXXX. My XXXX is good, but logically would be higher, if it doesnt show an extra $ XXXX being used on account ( current total charges are ~ $ XXXX ). This should be illegal. 

I feel stuck, like XXXX against XXXX. Please help me with some guidance. Had the tables been turned, and I walked out with a $ XXXX tv, Best Buy would surely have locked me up immediately. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2019-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is my third CFPB Complaint, my account is restricted and I was told to verify my ID and SSN card, SSN form and I sent that over to them, however now their requesting a bank statement for a payment I made XX/XX/XXXX that cleared months ago, they are letting me know why they need my bank statement for a payment that cleared months ago, I did let them know I would not provide my bank statement for my privacy as it contains my private information and Capital One not telling me why they require it. I had this account for years and Capital One is treating me terribly with poor customer service, the person handling the case XXXX is not being responsive and not helping me with my case and I would like a manager and someone else to help me with this matter. I wanted to dispute some unauthorized charges on my account as well but I am not able do so because there is a restriction. 

I am also filling a consumer complaint with The Office of Attorney General XXXX XXXX because this issue has been unresolved now for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I purchased a " XXXX '' item from XXXX The item arrived after the date promised and the shipping cost more than the item itself, supposedly due to the " rush shipping '' ; the cost of shipping was actually due to the item being shipped from overseas ( misleading from the store 's claim to be located in " CA XXXX, United States of America '', as shown here : XXXX ) The item was extremely low in quality and flimsy ; I was immediately able to find a better replacement for half the price and I requested a refund from XXXX XXXX Per their return policy ( XXXX ) : " Products with quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. Products ( excluding Made-To-Order and disposable ) with no quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. For Made-To-Order clothing, if the items do not fit properly but were made accurately according to your order  specifications, you are eligible for a free, one-time-only re-sizing service. You are responsible for all shipping fees incurred. Any product that has been used does not qualify for a return or exchange. All returned items must be in brand-new condition, unused and with original tags and packaging. '' I emailed this company immediately upon receiving the item and also tried phoning their dead-end customer service line to no avail Upon being ignored, I opened a case with PayPal/PayPal Credit to rectify this bad purchase on XX/XX/XXXX ( all emails that I sent to the company were uploaded to my case for proof ) After reviewing this case for over a month, PayPal failed to reach out to me before denying the charge-back completely on XX/XX/XXXX ( I emailed them 11 times before the decision was made and every single one went unanswered ) I believe this item was sold to me in a dishonest manor, as I never would have purchased it knowing it could not be returned I never heard back from XXXX XXXX until the case was decided in their favor ( exceeding their supposed 14-day return policy ) and then was told it would be my responsibility to pay to return the item back overseas ( again, I never would have purchased the item in the first place, knowing there was a possibility I may need to return it, if it would have to shipped back internationally on my dime ) I am unsure why PayPal has been so unhelpful, but I have already called 3 times this week alone for assistance and after being refused service, transferred, hung up on, and steered in several directions as far as how to appeal this case, I have no where else to turn This case is also currently on file with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: PA
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 recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America is my EBank and I use a debit card. On XX/XX/XXXX I purchased cigarettes at XXXX XXXX  for {$8.00}, but it took 2 days to process and did not come off my balance immediately like ALL OTHER transactions do! I believe they are up to something since I just started having my XXXX XXXX bill taken out of my account every month on XX/XX/XXXX. This is why I have avoided Auto Pay in the past! I did not get the screenshot that shows the balance, but do have the processing shot! I am XXXX and live on XXXX. Please keep an eye out for other complaints. 

Thank you XXXX 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 2020-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Approximately XXXX, I paid XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX XXXX XXXX to vacate the eviction and I signed documents to accept the offer. I even got rental help by an agency here in XXXX which paid them XXXX which was the maximum amount they would pay. This eviction/judgement that's being reported on my XXXX credit report is false and its hindering me from getting an apartment.

Company response to consumer: Closed with explanation