BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: EQUIFAX, INC.
State: GA
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:
My identity had been stolen, I person had been using my identity and opening accounts in my name, there is a particular one from XXXX XXXX XXXX. showing as a collection, I have not knowledge of this account there for it should be removed. 
A police report with XXXX police department report # XXXX had been filed and an FTC complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I settled a Capital One debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have Capital One update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report. 

I just received notification today on XX/XX/2019 that the balance went down and Capital One is listing me as delinquent on my account. This has made my credit score go down. 

XXXX XXXX XXXX did not say that this would occur. They only said that it would go from a charge off to a settlement in full. 

XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days. 

This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, at XXXX XXXX  Cash App debited {$72.00} from my account in error. I have reached out to have my funds sent back and account unlocked and I have not received a response. 

Initially, I was advised ( with a general response ) that the State of Michigan deposited Unemployment Funds in error. I have already confirmed the deposit to my cash app with the State of Michigan, on behalf of my husband who personally spoke with the State of Michigan. 

I asked for Cash App to refund my {$72.00} and they have not done so. 

It is wrongful, and discriminating to ASSUME that someones funds were wrongfully deposited without ANY documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I visted XXXX on XX/XX/2019 at XXXX XXXX XXXX, XXXX, GA. 
My total came to {$44.00}. The transaction was declined twice. I notified the manager whom checked their POS System & advised there was no authorization or transaction on file. They swiped my card a 3rd time at another kiosk, the tranasction was approved then. 
I checked my account to find 3 separate charges IAO :  {$44.00} Each with the funds debited from my available balance. 
I called Bluebird & spoke with 4 different people including 2 supervisors who offered zero solutions, disputed with me that all the charged were approved, only reading from a script stating the charges will remain on my account for 8 calendar days. 
I want My Funds Back Available on my card Immediately!

There needs to be an Investigation into this company which has been outsourced to XXXX, they only understand their own culture, Never taylor an Appropriate resolution for each unique customer issue, they do Not Listen yet persists to rudely interrupt, they charge erroneous fees, leave you on hold, then hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Approximately around XX/XX/XXXX I opened a credit card with XXXX XXXX through XXXX as part of a partnership they had with their memberships. There was no issues or late payments throughout the whole time with the credit card. However, in XX/XX/XXXX being a military family we were XXXX XXXX. So we went ahead and contacted XXXX XXXX and made them aware of our location change. We were told there was no problem we could continue our normal payments while overseas. Later on in XX/XX/XXXX we were informed that they would be no longer part of the XXXX membership and they would be switching over to citi bank and that no further action was required from us. We were informed new cards would be sent out to replace our XXXX XXXX. That was not what happened at all once they switched to citi bank we on multiple occasion explained to them that we never received the credit cards. And that we needed them to continue to make payments online. However they informed us time after time that they could not email them to us XXXX. When we tried to get them sent to family members to send to us. Citi bank never sent them. Prior to these issues i had enrolled for a different citi bank credit card and received that with no problem XXXX. Once we realize we would never get the cards we still needed to make payments and continued to make attempts to call and make payments. But in order to make the payments they required our credit card account information. But when we would ask for it they would tell us that for security reasons they could not give us that information. At this point there was nothing we could do to make a payment every time we attempted they could not take it because they required account information that could not provide due to security reasons. After 6 months they charged off the credit card and the debt collectors called and have made payments through them. Overall Citibank never afforded us the opportunity to make payments. We never received any account information for our new citi bank account and we were forced to be charged off by the bank. Now this whole incident continues to affect my family because of the impact on my credit report. That had nothing to do to negligence or irresponsibility on my behalf. I honestly and truly feel like i was taken advantage of by citi bank.

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 2019-04-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
hi, i am writing about numerous frustrations with all 3 credit reporting bureaus. i had an issue with identity theft which i discovered in XX/XX/2018, so i placed security freezes or fraud alerts on my files with the bureaus. now i'm trying to remove these so that i can apply for credit again. 

none of the bureaus seem customer-oriented or helpful. i tried to email all of them, and they either don't respond, or they tell me to call the customer service number. when i finally reach a human being, in all cases, i am told i need to fax or mail them a copy of my driver 's license and a bill showing my address. but i am not confident that this will produce a timely result either. when i was dealing with the identity theft issue last year, they were equally unhelpful. in fact, i had to wait until the Economic Growth, Regulatory Relief & Consumer Protection Act went into effect in XXXX before i could get them to admit that a flurry of credit applications in a 2-month span was obviously a red flag for fraud [ in contrast to my historical behavior ], and that i don't need to dispute each item individually [ typically spending 45 minutes on hold with customer service for each one ].

it seems inappropriate to me that companies who hold such power over people have so little interest in communication or accountability, and i know i'm not the first to notice this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have placed negative items on Credit Report. I have asked them to send me a invoice for these debts. They refuse to send me a invoice. My insurance said if they have a invoice they will pay it. They continue to call me. I have told them I wo n't pay it without a invoice. This item is over 7 years old.But because I do n't have a invoice I can not tell for sure.

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 2019-04-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a Chase customer since the early 1990 's. I paid for protection for ATM fraud. Recently I was out of the country for 6 months for work and I had a slew of fraudulent ATM tradnsactions. I reported this to the police and they made an arrest. Still Chase won't reimburse the following ATM withdrawals. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX Now, this was only small portion of the fraud that I lost. I lost another {$40000.00} and I paid for ATM protection and Chase still won't refund my money. I have never had a problem in 30 years. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: SCA Collections, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge concerning debt with SCA Collections Inc

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 2019-04-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX does not allow experian access.

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 2019-04-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
US Bank was running a branch promotion for {$200.00} based on opening a new checking account. The {$200.00} would be dispersed in increments of {$50.00} each month based on the requirement of spending {$50.00} with my debit card each month. I met those terms for all four months but was only paid for the first three. My spending on month four was done at the end of the month, but due to a delay caused by US Bank, the charge did not post on their end until the following month. The terms specify debit card use must take place during the qualifying month, but does not specify that the charge must post, on their end within that month. Therefore, I met the terms as were advertised though US Bank has refused to pay out the remaining {$50.00}.

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 2017-11-29
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This complaint is in reference to my previous CFPB complaint # XXXX in regards to the CFPB Consent Order against Navy Federal Credit Union. At the time of the complaint, NFCU responded : " Our review of this matter is in process, and we will respond as soon as possible. The following references the complaint we received on XXXX XXXX 2016 from the Consumer Financial Protection Bureau ( CFPB ) on behalf of Navy Federal member XXXX XXXX. The complaint was assigned a case number of XXXX. Our member has asked us for information related to our recent agreement with the CFPB. Pursuant to the terms of the agreement, the CFPB will approve how we will identify and make payments to members who are eligible for compensation. If XXXX XXXX is eligible, he will receive prompt notification at a later date. We will consider all facts and circumstances regarding XXXX XXXX 's account in the assessment of compensation, if any. Navy Federal has thoroughly reviewed our member 's concerns. No further correspondence will be sent regarding his Home Equity Loan nor will calls be made concerning the status of the account. '' XXXX  Responded : " You should receive an update from the company within the next  15 days, and a final response within 60 days. '' It has now been one year from the date of my complaint. Not only did NFCU never responded to me in 60 days, they never responded to me ever. 

I would like an update to my claim pursuant to the Consent Order, as I submitted ample documentary evidence of NFCU 's predatory and illegal debt collection actions against 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 2018-03-21
Company: Bread Financial Holdings, 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 sent 2 letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CITIBANK, N.A.
State: PA
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:
Complaint # XXXX - Response XX/XX/XXXX Sears response that they mailed me a letter. Sears sold the account. My account was in good standing with no past due as to there XXXX statement. There were several attempts with sears to update the change address. customer service never followed up as they said with several attempts to resolve the issue. I was told over and over with no reply back from sears. I was living in another state and working in which I can provide the lease and proof from insurance company of my car insurance as well as bank statements as electric etc. There was a change of address made and sears never mailed me no letter or has to date provide a letter before they sold the account. This account was handle very deceitful and was not followed up as sears stated in there response on XX/XX/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 2017-11-29
Company: Resurgent Capital Services L.P.
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:
XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX 4. 3 Reporting Credit Bureau 's ( XXXX, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my credit report I noticed National Credit Adjusters , LLC is reporting a negative account. This is not my account and is fraudulently being reported to my credit report. I immediately called them and talked to a XXXX who claimed that they account was sold to XXXX XXXX XXXX XXXX XXXX but the problem is National Credit Adjusters , LLC are the ones reporting this negative mark to the Credit Bureaus. XXXX then told me that her XXXX XXXX will look at this account and delete it as it should n't of been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact Design receivables numerous times to validate this deb to be mines. I have asked for my signature to show that this debt actually belongs to me and have yet to hear any correspondence from this collection agency. I have also ask if they are governed to collect debts in my state and city. This debt doesn't belong to me and every attempt that I have made I have never gotten a response. Yet this debt goes up and I am also wondering how can a debt owed increase. I would like this account removed for because it doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization onXX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2019-04-22
Company: SLM CORPORATION
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX has continually attempted to contact me at a phone number that is no longer my employer on XX/XX/2019 and XX/XX/2019. I am sure that there are more instances that I am not aware of. They have been told by multiple people I am no longer employed there. They have now also started to contact my current job. I have told them that I am not able to receive calls at work. I have sent 3 letters ( XXXX XX/XX/2019, XX/XX/2019, and XX/XX/2019 ). The original letter on XX/XX/2019 stated to not contact any workplace phone numbers for me and they have continued to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX

3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX I made arrangements to payoff an old loan at a discounted amount of {$400.00} contingent on a re-loan which I was told was approved. Payment of the {$400.00} would be made on XX/XX/XXXX At no time did I authorize an automatic withdrawal of the {$400.00} from my checking account. I was to call on XX/XX/XXXX and at that time process the payment and process the new loan.

On XX/XX/XXXX at XXXX  I reviewed my checking account to see that an automatic withdrawal of the {$400.00} had taken place. I telephoned the company and spoke at at least ( 10 ) different people indicating to them that I had not authorized an automatic payment and requested that the transaction be stopped and or reversed and the {$400.00} be restored to my account. They indicated they had made a mistake by not informing the withdrawal would be automatic and they could not issue the new loan or stop/refund the {$400.00}. This was a typical bait and switch and that the {$400.00} was gone.

Company response to consumer: Closed with explanation