BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: SQUARETWO FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Home Depot Credit Card is seldom used. A charge appeared and I questioned the charge but after numerous telephone calls and even several in person visits to the store, I was unable to obtain any information. I did pay the {$50.00} charge only to find interest charges accumulating thereafter and daily. Furthermore they continue to accumulate The telephone numbers provided on the Home Depot website as well as that on the back of the card include the following : ( XXXX XXXX, XXXX XXXX, and XXXX ). but provide only recorded responses which relate to correct balance or help with orders, none of which apply to this issue. 

After extended wait times on each of the many attempted telephonic contacts, I eventually spoke with a person located in XXXX only to be transferred to a rewards program, then after yet another transfer, the call was terminated at the other end. Every call involved lengthy wait times and none any actual communication. 

Additionally, I attempted to contact them via email ... .also to no avail. They conveniently hide behind listed contacts that are not valid for they always lead back to account balance or order status that are provided with artificial intelligence programs. 

This has been going on for almost 90 days. Meanwhile, the credit card company, Citibank N.A. continues to apply additional interest which is compounded and has even marred my personal credit. 

Thank you for your help with this very frustrating issue.

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 2021-08-31
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX my report showed that I had opened a XXXX  account that I have no idea about. I was XXXX  my country at the time in XXXX. XX/XX/XXXX it shows as a b by balance of XXXX and its impacting my life badly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A company name of XXXX XXXX charge a XXXX debt of {$640.00} on credit report. This does not belong to me and did not have this service.

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 2021-08-31
Company: WELLS FARGO & COMPANY
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 RISA and MVISA 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 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 2021-06-04
Company: EQUIFAX, 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:
As of XX/XX/2021, it has been 6 months since my Mortgage Loan Account has been closed with a XXXX Balance with XXXX XXXX. XXXX XXXX has failed to provide me with the Law or a copy of the Actual Updated information in which XXXX has illegally reported to Equifax on my behalf causing me harm and lowering my credit score-XXXX points on XX/XX/2021. XXXX XXXX nor XXXX has the Legal Right to Report or update any information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Twice now my federal tax refund has been withheld in its entirety to go toward these student loans. However, my credit report reflects that while my entire refund was withheld, only a portion of that actually went toward the balance on the loan. 

My refund amount from 2016 was {$830.00}. My credit report shows the loan balance decreased by only {$400.00}. I have been unsuccessful in getting the collection agency to furnish proof / payment history on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/2022, I reached out about a payment. I erroneously put funds in the wrong account and the payment resulted in insufficient funds. As soon as I realized the problem, I contacted TD Bank. I was told the payment was processed and there were no issues. To prevent further issues, I paid off the accounts. I then began to receive letters stating the insufficient funds issue which I was told was not an issue. I called back and was told the letter are delayed so the were sent after the insufficient funds issue, but before I paid off the balance. I did not receive anything indicating there was an adjustment to my credit limit. Fast forward to this week, I get an email indicating a {$310.00} credit limit when my limit was between {$8000.00} & {$12000.00}. How is it that one discrepancy in my 11 year payment history warrants such a dramatic decrease in my credit limit? I have NEVER missed a payment in the time that Ive had and used this card. I reached out prior to their system even knowing there was an issue and offered to make the payment over the phone. I was told I it was processed. Now Im being told that I had to call in XXXX about the credit limit issue but I wouldve only known about it if I logged on to the online portal which I did not have a need to do because the balance was paid off. No written notification yet this reduction because I made one mistake and was proactive in rectifying it and the customer service is no help. What are people who care about their credit scores and debt to credit ratio when they are operating in such a negative fashion. Ive never had a credit card in my 20 years of having credit that engaged in such harsh retribution for an error that was easily rectifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: SCOTTRADE BANK
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, Scottrade admitted that almost XXXX XXXX customers has their personal information exposed to hackers in XXXX and XXXX. I was XXXX of the victims who had their personal information exposed and let me tell you, despite what Scottrade says about the breach only including " address information '' the breach exposed at least the following : 1. ) my password, which was poorly encrypted. 
2. ) my SSN, which was stored in plain text. 
3. ) my bank up questions. 
4. ) et al. 
The information accessed lead to a particularly bad instance of fraud which is still being investigated by policy today. In XXXX, a number of Scottrade accounts was hacked with over a XXXX dollars in fraudulent trades being conducted. Scottrade denies thus, but I was XXXX of the victims. 

I am writing this complaint with the CFPB to set the record straight, Scottrade knows that the hack compromised individual account and the monies within the accounts yet it claims that user are at no risk. 

Please do us all if favor, if you are an account holder, close you account before it is too late, if you do get hacked, Scottrade will make up a story and blame you for it.

Company response to consumer: Closed
Consumer complaint received 2022-11-17
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
National started calling me at work, although I was promptly communicating with the company about unexpected financial problems. I told the company NOT to call me at work. The company apologized and stated it would not happen again. Today, it called me again at my place of employment. This is NOT acceptable. 
The first instance occurred on XXXX XX/XX/2022. 
The second instance occurred today, XXXX XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX 2015 I put {$500.00} on my pre paid Rush card. Since then, my account balance is {$0.00} and when I call this company the recording says my card has not been activated. I have had and used this card for over to years. When I finally got through to speak to someone she said she could not access any accounts and would text me when the problem was fixed. I 'm still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I disputed a Bankruptcy from my consumer report because I notice errors in the public record section. XXXX agreed to the delete the bankruptcy then they reinserted the Bankruptcy to my consumer report. Please see attached document with the violation. 

Here below is the Public Record Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date XX/XX/2022 Latest status date XX/XX/2022 Reference number XXXX XXXX violated ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: AMERICAN EXPRESS COMPANY
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express card did not send paper or electronic statements, but I would get email from them telling me my payment is late the day after it was due EVERY MONTH. 
I'd call them, they'd waive the fee due to not sending a statement, and I'd pay the total balance on the spot. This went on for years! 
In XX/XX/2022 they would not waive the fee, I paid the balance without the fee and was told I'd be contacted by a supervisor as one was not available. They never called. 
In XXXX they billed a late fee and interest on top of the previous late fee and I called again, and then again in XXXX. 
This has continued up to now ( XX/XX/2022 ). 
Again, a month has gone by and I'm being billed, again, for interest and late fees on interest and late fees that I'm only aware of as my bank emailed me I have a bill due. 
This is deplorable! I've spent hours on the phone with them each month calling their customer service line at XXXX I contacted them again today, and they ( supervisor XXXX XXXX stated that he was clearing the balance and closing the account. He said he was 200 % sure this was done, which I've been told every month. My last call on XX/XX/2022 I was told the same, and given confirmation number XXXX. When I asked XXXX for a confirmation number today I was told that they don't generate confirmation numbers. He assured me it's done, and in the same breath recommended I call back in a week to confirm the account has a XXXX balance for my peace of mind. 
Regardless of whether the issue is resolved, I'm escalating this issue as it should've never happened. Hopefully I will not have to follow up on this complaint again next month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
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:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2015-10-24
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
My payroll check was deposited onto a 'Rush Card ' and two-three days after the funds posted to the prepaid card, they were retracted or otherwise misplaced. 
I have reached out to the company on multiple occasions, I have direct messaged the company representatives, I have filed a Consumer Affairs complaint, to which I was asked for a number I could be reached at, that was three days ago. 
This has been going on for over a week now with no resolution, no call back, and no straight answers as to when/if the issue will be resolved. 
The only phone call I received that was outside the norm was a phishing call telling me to select one to receive a free voucher to some unnamed website ( download virus to mobile ). 
I 'm tired of it, no answers for me, just platitudes and broken promises. I 've had enough, I missed a day of work because I am broke and without gas. Luckily I have a perfect attendance record or I may have been fired. 
And I understand this is on me for not dealing with a reputable service or my brick and mortar bank but I just need to get my money from them so I can take it to my bank and not have to live through this nightmare again. 
Please help, any answers as to what is going on I would greatly appreciate. 
~Oh and I have already reached out to my employer 's payroll dept regarding this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I'm sorry if this is long winded. All events happened in XX/XX/2021. I'm filling this out without all my documentation with me, but I can provide dates at a later time. 

So it all started when I ran out of checks and couldn't pay my rent. I went and bought two money orders one for {$1000.00} and the other for {$440.00}. I put my landlord 's name on them and gave them to him. A couple of days later, the super returned the money orders to me and explained that he couldn't deposit the money orders via his bank because they didn't accept mobile money order deposits. So he endorsed the money orders and gave them back to me. 

I have XXXX XXXX  and I also am not able to deposit money orders on their mobile app. So I went to Chase Bank, who I have a credit card with, and opened a checking account using the money orders and additional cash that I have. I made sure to confirm that I would be able to deposit the money orders with the employee assisting me. 

About a week later I received an email stating that my new checking account was being closed due to suspected fraud. I went to a branch to figure out the issue and they said that due to a credit freeze that I had put on, due to a previous identity theft earlier in the year that the opening of the account was fraudulent. I replied that I had shown them three IDs while opening the account. They did not have a response. They then explained that the cash I had deposited will be mailed back to me, but that the money orders I had deposited would have to be claimed by the person whose name was on them and that they would have to come in with the ID and speak to bank staff. 

I speak to my landlord to convince him to go with me to the bank and he then explains to me that the name he goes by is not actually his name because he is an XXXX and his name is too confusing for Americans and that's why he goes by XXXX. 

I call Chase bank and try to explain to them that the situation and that the name on the money orders is for someone that does not exist. They are also not money orders anymore as they have been cashed by Chase. I've spoken on three or four different occasions and unable to find a resolution to this. I keep being told that the person who the money orders were originally made out to has to come in and speak to someone at a branch. But this person doesn't exist. It was even suggested I wait seven years when the money goes to unclaimed property. 

Is there anything you can do to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sequium Asset Solutions , LLC emailed a debt collections notice for {$150.00} from XXXX XXXX XXXX XX/XX/2022. The debt originated from unauthorized access directly related to a XXXX data breach that compromised my personal information. At about XXXXXXXX XXXX XXXX XXXX, I telephoned the company and told one of the debt collectors named XXXX XXXX that the original creditor, XXXX XXXX did not send any correspondence that validated the veracity of the debt. XXXX XXXX did not listen and tried sidestepping the issue by verifying my address in backdoor attempt to force me claim the debt. I told XXXX XXXX that per Fair Debt Collections Act, the original creditor has to provide written information. Also, I told him that I currently participate in the class action lawsuit against XXXX and included the debt in question as part of unauthorized XXXXXXXX  charges directly attributed to the XXXXXXXX  data breach. 
Shortly thereafter, I disconnected the call with the debt collector because he was in no position to resolve the account dispute because his sole purpose included forcing to pay a debt for which I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Starting XXXX XXXX, 2015 RUSHCARD prepaid services notified me saying they are updating the rushcard system from XXXX so that means no access to my funds. After XXXX XXXX XXXX I got a text messages stating that rushcard extended the maintenance until XXXX. I tried using my rushcard at the ATM that night and the ATM did not recognize my card. I called rushcard the next morning and the customer service representative could n't tell when I can use my funds again. I 'm nervous about the situation because I can lose my money I work hard for. I 'm so depressed I ca n't my bills that upcoming I do n't know what to do? It 's been three long days without my money. If you search rushcard on XXXX alot of people are suffering without their funds. I feel like XXXX XXXX does not care and his company is not telling customers the truth about what HAPPENED to our money. Please help meSincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please help me with something. Equifax has they investigated. An account on my report from XXXX XXXX XXXX for the amount of XXXX!! I have a few problems with this, 1. Im a victim of identity theft!! 2.. Ive never done business with XXXX  or entered into a signed contract with this company!! 3. On XXXX XXXX XXXX delete account from my report. But Equifax sends a letter saying its verified. Equifax how did you verify, who did you speak with at the company, what proof did you receive showing I owe this debt. Per the FCRA you must report true and accurate information and you are in violation. I will just have to seek legal counsel, because you Equifax keep ignoring me!! Please see attached FTC report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: VA
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:
I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back

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