BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: Equitable Acceptance Corp
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is XXXX XXXX I have been dealing with Equitable Acceptance and now have XXXX XXXX XXXX XXXX contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with Equitable Acceptance has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with XXXX XXXX XXXX XXXX. <P/>Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 its also states consumer reporting agency.

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 2020-04-26
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: Investigation took more than 30 days

Complaint:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans should be discharged because I was lied to by XXXX XXXX XXXX. They took advantage of me because I am a Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MA
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:
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with XXXX. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with XXXX right now through the XXXXt website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Santander Consumer USA Holdings 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 previously contacted Santander, XXXX XXXX XXXX XXXX XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called Santander XXXX XXXX XXXX XXXX. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XXXX/XXXX/XXXX, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

Santander XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no knowledge of this at all I never went to the hospital. I believe someone used my identity to go to the hospital. Or the hospital got the wrong name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a fraud alert text from Chase Bank on Wednesday, XX/XX/XXXX at XXXX XXXX  and within minutes, I alerted Chase Bank that there were 3 unauthorized charges to my debit card ending in the number XXXX. The unauthorized charges are as follows : XXXX XXXX - {$25.00} on XX/XX/XXXX XXXX XXXX NY - {$27.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX  CA - {$63.00} on XX/XX/XXXX After the text on XX/XX/XXXX at XXXX XXXX, I promptly called Chase to dispute these charges, to cancel that debit card, and to get a new one reissued. I was given a " temporary '' credit for each transaction and I received my new debit card on Saturday, XXXX XXXX, XXXX. I even used the new card today which is XX/XX/XXXX. 

When I went to check my balance today, I noticed there was a new charge on XX/XX/XXXX for {$10.00} at XXXX XXXX AGAIN for {$10.00}! How could this be after I had already reported that card stolen on XX/XX/XXXX! 

SO, I called Chase Bank and was told by not one, but TWO people at Chase Bank that the card ending in XXXX was not " really closed '' and that someone had reopened it. I asked how this could even be allowed on a card that had a fraud alert and that I closed. I also asked how there could be 2 active debit cards on 1 account since I had received he new one and used it today. The second girl said she had to transfer me to an escalation department. When I spoke to the gentleman that answered the phone next ( He said his name was XXXX XXXX, he said that those 2 previous people must be mistaken and that the charges must have been charged previously, and then run through again. I demanded to know how this could be possible and I said I would be reporting this to the CFPB. When I said that, he said he couldn't talk to me anymore and that he was transferring me to an executive department. I sat on hold waiting to talk to them for 10 minutes and gave up.

How is it that a card I reported stolen on XX/XX/XXXX of XXXX, and that had already been closed, replaced, and in my possession by XX/XX/XXXX, could incur a charge on XX/XX/XXXX? Has Chase been hacked? Are there untrustworthy employees inside Chase? 

I need some answers. Please investigate. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
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:
I am submitting this complaint against the XXXX Credit Bureaus for XXXX XXXX XXXX on the listed accounts below. I believe the bureaus are violating XXXX XXXX of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-03
Company: EQUIFAX, 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:
I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the 3 Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX OF XXXX XXXX # XXXX ) Has violated my rights 2XXXX ( XXXX XXXX  XXXX XXXX # XXXX ) Has violated my rights 3- ( XXXX  XXXX # XXXX ) Has violated my rights 4- ( XXXX XXXX # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXXAccount # XXXX ) Has violated my rights 8- ( XXXX, XXXX./Account XXXX XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights

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 2017-10-20
Company: Valer Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX ny XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying XXXX had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MXXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-01-10
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal refuses to release my funds citing a need for additional forms of ID ( Ive given them it already ), blaming the sender and suggesting that I buy an XXXX XXXX instead of using my ( up to date ) XXXX. 

This is over {$50.00} and I believe the inconvenience to be a trick to get my banking info since every rep says I could just link a bank account and the problem would be instantly fixed. 

Theyve also refused to just mail me the money, citing a need to confirm my identity even though they have my address and ID PLUS ITS JUST {$50.00}! 

Please follow up, this is a predatory practice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018, an amount of {$500.00} was paid to XXXX XXXX XXXX for a procedure for a specific doctor. The doctor, however, is no longer at the facility and, therefore, is unable to perform my procedure. I requested a full refund from the facility and did not receive the {$500.00} amount back. Nonetheless, I filed a dispute with my bank ( Regions ) explaining the situation and hoping for rectification. Regions sent me a letter denying my dispute and did not credit the amount back to my account.

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 2019-09-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a mattress using my debit card. I returned the mattress and the mattress company provided credits to my account in the amount {$1000.00} on XX/XX/XXXX. Citibank says they have not received the refund to my card. My bank account was closed prior to the credits appearing. The mattress company provided my the receipts for the refunds and Citibank has provided a letter they don't have the funds.

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 2019-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was an employee working for XXXX up until XX/XX/2018. During my time their the company assumed responsibility of my cell phone bill with XXXX XXXX XXXX. It was either have a work phone as well as a personal, or use one cell for both and the company would take ownership of the line. 

Once I left XXXX I was told by their HR department that I would not have to take any action regarding the phone line, that it would automatically cancel once my two weeks was over and I was no longer with the company. This was a relief because when attempting to cancel the line directly through XXXX XXXX XXXX I was told by the phone company that I had no access to make changes to the phone line, including canceling it, because it was not in my name anymore but XXXX. 

So months go by, the phone line has been cancelled and I am with a new provider when I check my credit on my free App and it has a collection in my name for {$200.00} owed to XXXX XXXX XXXX. I was never contacted via phone, mail, or any other way by XXXX XXXX XXXX letting me know what was going on by the debt collector because they simply had incorrect address and phone information. I called XXXX XXXX XXXX to gather information about this money owed, from what months, for what services, and they could not disclose any details with me. This is because it was not considered my phone line, but XXXX, and they could not disclose any information to me. 

I have the right to dispute collections and so I did and disputed it with all three credit bureaus based on these facts. All have removed it from their reports except for Equifax. They seem to refuse to consider that I never owed a debt, and if I did was not given proper notice of a debt owed prior to being sent to collections, or the I had a collection because XXXX  had very old contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have been an American Express Bluebird customer over seven to eight years. Never have I experienced such rudeness from their customer service department as well as a hold they are talking about for seven to ten days. I have a prepaid Visa and Master Card as soon as a return hits my card it is credited. I called Amex due to TWO returns one in the amount of {$26.00} and the other {$67.00}. This is inexcusable, I work hard and have Direct Deposit every pay period to this account. I need to get gas for next week and because American Express Bluebird rudeness, I may have to catch a ride with a friend or stay home. They can not even explain what Merchant Hold Means. I will redirect my Direct Deposit to my regular bank and cancel this card. This is horrible treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: DISCOVER BANK
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:
I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief