BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement letter from Conn 's furniture store, and paid the amount that was stated in the settlement letter, and paid the amount in the time the company asked. the account was closed and paid off. now the account is back open and the settlement is not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, 2016, I uploaded a letter of dispute to Experian via their XXXXXXXXXXXX. Once I uploaded the information, I received the immediate statement stating my upload had been received successfully. I allowed the 30 days to receive the results from Experian but had received nothing. I just pulled a copy of my credit report from Experian and contacted them to see why an investigation had n't been performed. According to Experian they did n't receive anything from me in regards to an investigation. How could this be when I still have the saved page of them confirming successful receipt of my request? I am asking that something is done about this.

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 2023-07-30
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XXXX on XX/XX/XXXX, I spent {$100.00} purchasing XXXX using CashApp. I then tried to send some XXXX to my personal XXXX  wallet - CashApp did not permit this, requesting identity verification in order to be able to send XXXX. I then uploaded photos of my drivers license. On or about XXXX on XX/XX/XXXX, CashApp sent me an email stating that my account had been verified. Later that afternoon, I attempted to send XXXX, this time being greeted with, " Sorry your withdrawal could not be processed ''. I attempted to contact support to fix this and was instead greeted with the utmost disrespect from an " Advocate '' using the name " XXXX '', who lied about methods for checking the status of verification. I remain unable to use the XXXX  I purchased. At this point, I believe that I have been scammed out of {$100.00} and that CashApp has engaged in XXXX of the most egregious examples of unfair, deceptive, and abusive practices imaginable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Public record information inaccurate

Complaint:
XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with XXXX  Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I spoke to the bank about geting some fees waived on my account, I spoke to someone over a chat and they had a manager call me. The manager advised me that he would be able to help me, and that he would make sure my account would decline every transaction moving forward if my account was overdrawn. None of what this individual told me happened. This occurred on XXXX/XXXX/XXXX. Back in XXXX XXXX I was given wrong information by both a branch manager and a customer service manager. I was unable to pay rent and was forced to sleep in my car due to the incorrect information provided, I was also advised all my fees would be waived in light of the " miscommunication '' That did NOT happen. Every time i contact the bank I am talked down to, disrespected, not treated with dignity and lied to.

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 monetary relief
Consumer complaint received 2020-06-18
Company: JPMORGAN CHASE & CO.
State: PR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX and I have a Chase Sapphire credit card, that has always been paid on time and with amounts much larger than the minimum required. I just received notice that at the peak of the pandemic, and while Puerto Rico was being hit by hundreds of earthquakes simultaneously, this company chose to report 2 missing payments and affect my report. 

I spoke to a representative ( useless ) that when I asked if they were targeting XXXX women, he immediately transferred me to a supervisor. He never apologized. He never refuted that they were discriminating. He offered no answers or alternatives. 

Let me know if you can help, or if you have no alternatives or just don't handle XXXX 's complaints as well. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
promissory note loan per alabama FCRA statue 6.2.37 and 6.2.30 statue of limitations for Alabama for this type of loan is 6 years delete from my credit report and I ca n't get any of the XXXX credit reports to remove loan I am XXXX and my loans have been discharge due to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: MD
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:
So ive been hearing about how the reporting agencies aren't in compliance with Fair Reporting Rules and regulations. So, I investigated my report and sure enough there in black and white several errors and violations were there, so I begin to challenge the accuracy and completeness of their reporting of my Consumer report and all three agencies returned me verified and accurate accounts when they clearly investigated nothing. Everything that is violating my rights on my consumer report when i first started investigating is still on my report i have the documented proof letters and us postal certified mail that I've been requesting the correcting or removal of these violations for over 60 days now and the agencies continue to return accurate and complete information on my consumer report.

1. Account XXXX is reporting three different account numbers, three different last date of payment, three different last day of account activity. 
2. XXXXXXXX XXXX XXXX is also reporting three different account numbers, three different a account status account also reporting after the case was dismissed and no fault found 3. XXXX XXXX is also reporting same wrong account numbers i attached files for proof

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 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX sent XXXX wire transfers to XXXX XXXX bank in XXXX, Texas to an account that was set up pretending to be one of our main suppliers of products ( XXXX XXXX ). Wires totaling {$120000.00} that should have gone to our suppler in XXXX, were received by some 3rd party at XXXX XXXX pretending to be 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 2020-06-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. I demand to see a written instrument bearing with my signature.

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 2022-04-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is with XXXX. They reported me late when I wasnot late. I spoke with the woman at XXXX with my banker on conference with Me and XXXX. We went over line by line each payment and the date I made them. Verified the information they are reporting on the bureau on their own. I paid payments XXXX at a time on several occasions. I paid XXXX. Not the amount XXXX. 
So when XXXX reports to the bureau I'm late because I didn't make a payment for the next month ... they report me as 30 days late when I'm actually 30 days early. 
I spoke with the lead supervisor who informed both my banker and myself on the phone. She sees the error. However ; XXXX does not correct any of their reporting. The company policy is what they report is what stays correct or not. 

This is causing me at age of XXXX wants to buy a condo to retire.this filing has caused my credit to drop so low I can not purchase a home. 

I need XXXX to please fix the mistake they made. I doubled my payments so not to have an issue and they still reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are inaccurate and need to be removed as soon as possible. 

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 XXXX multiple dates. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX multiple dates XXXX XXXX XXXX multiple dates XXXX XX/XX/XXXX XXXXXXXX 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

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 2015-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Capital One advertised it 's SPARK credit card as " ..the opportunity to build and strengthen credit for your business.. '' ( I have copies of the web pages from XX/XX/XXXX & XX/XX/XXXX ) This statement and benefit was advertised on it 's website as recently as XX/XX/XXXX. XX/XX/XXXX, on we applied for a SPARK for this very purpose. We provided XXXX name and the XXXX for our business. 2 years later, after many calls to Capital One and being told repeatedly that they report credit for XXXX as well as the primary cardholders personal account, we were finally advised - truthfully - that SPARK does not report to any business bureaus and only reports credit under the personal SS # of the primary cardholder. Our company, XXXX XXXX XXXX, XXXX has just wasted 2 years only to learn that by using the SPARK card we have not built or strengthened XXXX ' credit at all. This is not a business credit card. It is a personal credit card that allows the cardholder to include a business name on the face of the card. If we had been told the truth initially when placing the application, we would not have requested this card. I have personal credit cards. This has caused harm to our business as we now must start over and find another company and because of lack of credit history we are not able to obtain important tradelines for XXXX. Both XXXX and SBA counsel small businesses to establish separate tax ID numbers for businesses in order to establish credit in the business ' name. Capital One takes the business name and business tax ID information and then ignores it. This is misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016, my client was approved for a loan modification thru Bank of America. It took a long time to get the modification, because my client was going thru a divorce at the time. The bank needed a copy of the XXXX and a quitclaim deed from the spouse to my client, so that the ex-spouse would not have to sign the modification documents or provide financial documents. Once we got all the documents to Bank of America, my client was approved for an FHA HAMP modification. When he received the trial modification offer, my client sent back the modification paperwork as requested by the bank in the envelope provided by Bank of America. He made his XXXX trial payments, XXXX, XXXX and XXXX and each was sent in early. On XXXX XXXX, 2016 he received a XXXX XXXX stating that he was denied the modification, because the bank did not receive " all the required signatures ''. My client was the only person who signed the modification papers due to the representation of the bank that the ex-wife would not need to sign if my client provided the XXXX and the quitclaim deed. This is totally unfair. We have been working this modification thru the attorney for Bank of America. At all times we were told that my client 's ex-wife would not need to sign any documents if we complied with the bank 's requirements of getting the couple divorced and the house put in the Husband 's name. The evidence to this agreement that they approved the modification without requiring the ex-wife 's financial documents and the bank 's requirement of providing the XXXX and quitclaim deed and numerous emails we have with the bank 's attorney. We tried to resolve this with BoA 's attorney but he is unable to provide assistance. My client has continued to make payments. Please help. There is no reason that this trial modification should not be made permanent.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is with XXXX. They reported me late when I wasnot late. I spoke with the woman at XXXX with my banker on conference with Me and XXXX. We went over line by line each payment and the date I made them. Verified the information they are reporting on the bureau on their own. I paid payments XXXX at a time on several occasions. I paid XXXX. Not the amount XXXX. 
So when XXXX reports to the bureau I'm late because I didn't make a payment for the next month ... they report me as 30 days late when I'm actually 30 days early. 
I spoke with the lead supervisor who informed both my banker and myself on the phone. She sees the error. However ; XXXX does not correct any of their reporting. The company policy is what they report is what stays correct or not. 

This is causing me at age of XXXX wants to buy a condo to retire.this filing has caused my credit to drop so low I can not purchase a home. 

I need XXXX to please fix the mistake they made. I doubled my payments so not to have an issue and they still reported incorrectly.

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 2020-06-18
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This account is far past the statute of limitation. I believe any thing past due was from XXXX or XXXX. It was previously deleted from my credit reports about 2 years ago and has just be re-reported to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2015-07-15
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halsted Financial Services keep calling my workplace to verify employment. I want a cease and desist letter for them to stop calling my workplace. I told them to stop calling my workplace but was told that they were going to stop. They even threaten me that they will sue employees at work if they do give them information. Their # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TD BANK US HOLDING COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 my purse was stolen from my car with all of my credit cards, debit cards, Florida Sate License, social security card. Fradulent charges were made on all of my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: HEAD MERCANTILE CO., 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 always had insurance I have already submitted one complaint and they can not locate account. Its on my credit I have no knowledge of this nor was I notified of this u til I checked my credit. Refuses to verify account .its been over 3 months Ive been writing them they want me to supply info to them to verify when thats literally their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have multiple private student loans from Navient, and I am under significant financial duress due to the burden of trying to pay {$550.00} worth of private loans with an additional $ 220 monthly on Federal XXXX loans. As such, I contacted Navient to tell them that I 'm not able to pay both loans simultaneously. After a lot of negotiation ; a manager at Navient agreed to extend the payment duration of my private loans and roughly cut my payment in half. The purpose of this was to help me pay both my private and federal loans simultaneously. Navient agreed with 100 % certainty to give this deal to me, provided I gave them authorization to withdraw payments from my checking account monthly. The only catch was that I had to call back the next month to initiate the deal because the private loan payment was already made for that month. When the next payment came due, I called back to initiate the new payment deal, and I was told that this was " never offered to me '' and that they refused to agree to the pre-agreed deal. As such, I requested the recorded conversations between me and Navient. The staff at Navient refused to provide this information to me, and they told me to call the Consumer Financial Protection Bureau if I took issue with their refusal. I am requesting help with this matter because I have been deceived by Navient and they have given me absolutely no flexibility in paying back my loans, despite the fact that I have absolutely no bankruptcy protections. Please help me!

Company response to consumer: Closed with explanation