BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a cell phone account with XXXX XXXX somteimes in 2017 at the XXXX XXXX Branch on XXXX XXXX, XXXX, CA. I used the phone for barely a week, returned the phone back to the location, paid the re-stocking and the usage fees and cleared the account. Few month back I pulled my credit report and noticed a {$52.00} debt collection being reported as not paid for 15 months. At no times, XXXX ever contacted me, or sent a letter of unpaid charges ( if any ) or made an attempt to notify me. This in my books a fraud and illegal misuse of an account by a XXXX loaction/XXXX. They sold the account to the debt collector in XXXX, TX ( XXXX XXXX XXXX, XXXX, TX XXXX ) XXXX named SOUTHWEST CREDIT SYSTEMS. This debt collector agency and XXXX XXXX both gave me run -around for about 3 months with every time something new to inform or for me to do. 

Due to their negligence, I am unable to secure a good car loan rate due to 15 months of late/unpaid payments showing up on my account. After getting fed up, I cleared the account and paid the {$52.00} but my credit is scared forever showing 15 months of late payments. It's their unwillingness to cooperate, investigate and or clear the account resulted in a painful experience for me. 

Again, we are talking about {$52.00} and I had no problem paying but it was a matter of principal, right business practices and legally to help the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium added an account to my credit that does not belong to me. I never received any notice, letter, or contact from this company and never heard of them until I checked XXXX XXXX. When I call Sequium ( FOCUS RECEIVABLES MANAGEMENT ) no one answers and the voicemail is full. I have sent several emails that go unanswered. I have never had a XXXX XXXX XXXX account. This account does not belong to me. I sent Sequium a letter to dispute XX/XX/2020, got no response. As of today, no reply has been received. Sequium first broke the law by failing to provide any notice before it was added to my credit. Sequium continued collection activity after I contacted them by verifying the item with all three major bureaus while ignoring my request for verification. This is wrong and illegal ; Sequium has no signed contract, no audio recording, no e-signature, nothing to verify this is mine because it is not my account. 

I do not even know the address where the service is located because no one responds. Also. I am a former XXXX XXXX XXXX employee, but I have never had the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
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:
CitiBank has refused to refund my overpaid balance on my credit card. The reason provided is my account is under 'security investigation '. When asked to speak with someone about the matter, Citi customer service said to write a letter.. It 's 2017! why am I being forced to correspond with letters? I have since written the letter, but received no response. <P/>Truth in lending act regulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer

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 2021-11-18
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company. This complaint is to address the erroneous reporting on my Credit Report. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that AMERICOLLECT ( Original Creditor : XXXX MISSOURI XXXX XXXX ) was being reported on my credit reported negative on XXXX, XXXX, and XXXX. I have disputed the fraudulent information from my credit report and sent a letter dated XX/XX/XXXX. I have no idea how the theft took place. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and the creditor but they failed to give me any results or feedbacks about this concern. This incorrect reporting is causing my Credit Scores to drop. These are the accounts that are needed to be removed from my Credit Report : AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
The XXXX accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-05-14
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has closed my account for no reason and will not help me getting it back up and running. It seemed like a mistake but they have been completely unhelpful in trying to remedy it. I've been trying for months and was told to file a report here for help. 

My PayPal email is XXXX They put the account on hold initially in XXXX, then announced a 180 day hold in XXXX. In reality, the hold ( although not warranted to begin with ) started over 180 days ago. This is seriously shady activity from PayPal and it's affected my ability to pay for basic expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I checked my credit report and noticed care credit is reporting.. ; I did not request to open this card. I've sent the credit agencies my identity theft report and the account has yet to be shut down or removed.

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 2017-06-11
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: Account information incorrect

Complaint:
In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late pa yment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX  . I 've been told by landlords my credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimin al investigator with some  organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my friends.  One said be careful, figure out wh o is contacting you. I   XXXX    it and found this organization is actually  XXXX ! Why would  XXXX  send a CRIMINAL  XXXX  nvestigator to contac t me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This  is far from closed  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I summited a complaint to Capital one dispute charge on XX/XX/2022 for a transaction with XXXX where a purchase was made on XX/XX/2022 for XXXX because I wanted a refund on this item. 
I sent numerous emails to the company pertaining to the returned item and it was sent shipped back XX/XX/2022 and received on XX/XX/2022 I never got a response from the company until XX/XX/2022 after I filed a dispute with Capital one for the refund. 
I was under the assumption that I wasnt going to receive a refund due to other customers problems with this company and Im on limited income due to a XXXX so I asked Capital one to reverse the provisional credit due to that face alone for the merchants amount of XXXX that was credited to me. 
I feel this is a unethical company due to other customers problems buying on this website.I asked Capital one to reverse credit due to these findings alone and feel this credit should not be debited for this transaction due to my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: National Recoveries, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Recoveries Inc. XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX US Dept of Education National Pmnt Center XXXX XXXX XXXX XXXX GA XXXX XXXX 2017 Without notice, written, verbal, or otherwise my pay from my job way immediately garnished for $ XXXX each payday every two weeks ( minimum of {$310.00} per month ). I have sent two notarized affidavits to both entities citing FDCPA violations, CA state civil code and consumer protection laws violations, requests for original contract verification for proof of claim/debt. Requests/affidavits were sent certified return receipt mail with proof of delivery etc. Absolutely no response received back for two months now. They have violated FDCPA and CA civil code/statutes in multiple ways and have not proven contract/proof of claim. Very financially hard to be experiencing this unlawful experience. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX credit card through Fifth Third bank. Fifth Third bank was notified of my new address since XXXX of XXXX. Despite multiple requests, Fifth Third continued to send statements to a prior address. Sometime in XXXX, payment on the XXXX fell behind, unnoticed in part because Fifth Third continued to mail statements to the wrong address. Subsequently, Fifth Third reported a failure to pay to all credit agencies, dramatically lowering my credit score. Despite this negative reporting, Fifth Third failed to send me any notice of the same as required by 15 USC 1681s-2 ( a ) ( 7 ). 

With no notice of this negative report and statements not being sent to me, the problem went unnoticed for a period of five months, was subsequently discovered on a credit report, and the balance was paid in full. Fifth Third, now refuses to remedy this reporting problem and their violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This compliant effects access to following accounts Checking XXXX Savings XXXX LOC XXXX Events occurred on Thursday XX/XX/2021. 

I can not access account. I get following message " Citibank. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. '' Online Customer Service at XXXX is unable to help. I have provided them with names on accounts, debit card number, and last four multiple times. Operator flat out said " I can not assist. '' I asked to be connected to supervisor. No one picked up As noted Customer Service Rep clearly said they will not assist. 

I attempted to reach out through a DM via XXXX and was equally unsuccessful. They have not provided solution or offered to connect me with someone who can.

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 2021-05-14
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing accounts with the bureaus for months now and I have yet to hear anything back from them. I have serious negative information on my account that needs to be resolved. Please fix immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing accounts with the bureaus for months now and I have yet to hear anything back from them. I have serious negative information on my account that needs to be resolved. Please fix immediatley.

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 2022-04-26
Company: CURO Intermediate Holdings
State: AZ
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:
The account with speedy cash was never mine to begin with so I disputed it over a hundred times I have letters from speedy cash the original creditor and also from the third party collector ad Astra both stating the account was never mine it was open fraudulently and that they have requested the collection to be removed from my credit report yet it is still on my credit report Ive sent the letters to all three agencies only to be told that they can not do nothing until ad Astra tells them to do it. Due to this collection remaining on my report I was days away from closing on my home for my family after a long struggle to repair my credit due to this collection my score dropped XXXX points over night and continued to drop with no relief in sight as I stated before this collection was open fraudulently without my knowledge since then Ive tried to remove it I actually paid it in full just to have it removed and it was a part of my XXXX XXXX XXXX  but yet remains on my report. Ive spoke on the phone over XXXX times with ad Astra and speedy and XXXX and XXXX and XXXX only to be told the same thing Ive done everything asked from me but still have no help in regards. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure  XXXX  pays for their lies all the time.

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 2021-11-12
Company: JPMORGAN CHASE & CO.
State: PA
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:
Three months ago I tried to add an external checking account to my Chase credit card so I can pay from that account. The account gave me an error when I tried to add it. I sent a secure message detailing the issue and was given canned responses such as instructions on how to add an account ( which I followed to the letter ). I called the customer service line and was given similar responses and when I pressed for someone who could better assist me I was placed on hold for hours, seemingly indefinitely. It appears Chase is not interested in helping me solve this problem so I am reaching out to the CFPB for assistance.

Company response to consumer: Closed with explanation