BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have numerously disputed this XXXX account. It was originally purchased by another collection agency and I wrote that agency telling them to provide me with a signed contract that I purchased this acct and because they were not able to validate or verify this acct it was ultimately removed and deleted from my acct. Now I see that another agency has taken over this debt and are reporting to the bureaus. I Ask again please provide a signed contract with my name or remove from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My account with Rushcard had a block placed on it as of XXXX XXXX XXXX. I was instructed to send in documents verifying my name and address which I did on multiple occassions only to be told that I needed to send the documents in again and again and again. This went on until XXXX XXXX XXXX when Rushcard finally closed my account and told me I would receive a check in the mail in 5-7 business days. Unfortunately for me this is around the time that they 're " system update " was to take place and now my online account is showing a zero balance and when I call in the automated system says my card has not been activated and I 've yet to be able to reach anyone from customer service since the system crash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried for over three weeks to close my account at PayPal. I keep getting and error message that there is a computer problem. When I contact the company, they ask for reasons I'm closing the account. They are stalling and refusing to close my account for PR reasons only. There latest excuse is that my account is being reviewed and it may take 30 days to close my account. This is just another excuse. I want my PayPal account closed now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You sent me checks dated 2021, so they got returned. 

Re-send check numbers XXXX and XXXX, totaling {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I set up auto pay with capital one they fail to use it and had me late for 60 days, when I realized that I called them up they told me they dont see the auto pay. I asked them to close the account and I will pay the balance. Two months ago I paid the balance off but they refuse to remove their negative report off my credit report. On XX/XX/2020 I filled a dispute with XXXX  but capital one did not remove the pay off closed account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recited 10 calls in the last 30 minutes from the coperate office of kay jeweler. I have told them I am disputing the charges. They have also contacted a family member of mine and disclosed mt personal information. And they called my XXXX year old son who I did not put down his contact information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I sent {$250.00} to Rushcard via XXXX this past Friday. After receiving my money my account said pending activation after a few days past I finally got in contact with customer service in Sunday. And my card was activated then I went to an ATM and my transaction was denied. My account now says XXXX balance but the deposit is showing in my transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: IL
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:
15 U.S 1681 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.

15 U.S 1692 Without the prior consent of the consumer report given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022 at XXXX pm I made a purchase at the XXXX, WV JCPenney. The associate ( associate XXXX, according to my receipt ) asked if I wanted to join the rewards program to receive a discount on my purchase. I asked if it was free, and he said yes. He never mentioned that it was a credit card application and he attempted to rush me through the process. I found it odd that a rewards program required things like income and SSN, but it's been a while since I signed up for a rewards program and with the prevalence of fraud as of late I thought that the identification requirements had simply become more stringent. I mentioned this to the associate, but he did not reply. 

On the last screen, it asked me to confirm that I wanted to sign up for a JCPenney credit card. This was the first time during the entire process that the words " credit card '' were mentioned. I refused to press " confirm, '' clearly told the associate that I did NOT want a credit card, and requested that he cancel the application. He indicated that he had done so. I checked out using my debit card and before paying confirmed with him that I had NOT signed up for a credit card, and he again said that I had not. Then, on XX/XX/2022, I received a JCPenney credit card in the mail. The associate had apparently lied to me and signed me up for a credit card despite my protests. 

I immediately called JCPenney 's credit card services to report this fraud and have them cancel the account. They transferred me to the fraud department, and the fraudulent account was cancelled. They informed me that they would inform the credit bureaus of the fraud so that my credit score would not be affected. However, there was no way to report the associate who had fraudulently signed me up for this credit card, so I took the only option I had to do so by taking the JCPenney survey advertised on my receipt. I hope that this report will help encourage JCPenney to promote honesty and integrity among the staff at their registers. Thank you to the CFPB for all you do.

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 2022-06-02
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I notified serve by American Express that my card was fraudulently used on XX/XX/2020 till Im supposed to have zero liability I complained and told them Ive had {$8800.00} worth of charges on my card while I was hospitalized I provided them documentation of my hospitalization a letter from my doctor stating I was hospitalized during the times were my debit card was used as well as a police report I have disputed those charges on three separate occasions only to Have my disputes denied and finally I was told today that my account was suspended indefinitely For absolutely no reason but I believe it is due to the fact that they do not want to pay out such a high dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-08-12
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been out of school for almost a year & a half at this point. I started making my student loan payments about 8 months ago. When I first took out loans via Sallie Mae I was told the re-payments would be low and feasible. So I did it. I took out about XXXX with Sallie Mae. My first statements showed XXXX a month payments. I called and asked how that could be, it was n't feasible as promised & a 10 year payment option is not doable for my situation, I was told 10 years is all they can do and they had no solution for my situation. How can this be? I 'm struggling to make ends meet and climb deeper in debt each month just so I do n't miss a payment via Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
None of the above describes my issue, so I simply chose " Talked to a third party about my debt '', however I did indeed have to speak with XXXX different companies in this process. XXXX, Square Two Financial, and Cach llc. 

My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not acceptable, they should return my check. The check was cashed, however, the reporting has continued. I have all the documentation, including a copy of my check and the contract as well as the certified mail reciept from USPS. 
When I spoke to them they explained that they did not even take the time to review and had apparently lost record of this. Not only did they violate the terms, but their negligence seemed to them, apparently, to be reason enough for the violation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX aka XXXX SourceRM called me asking for personal information and since I was n't aware of any debt I told them I could provide personal information. I called XXXX to verify the debt and then called the collector back. Someone answered the phone and said " did n't someone speak to you already? '' and I said yes is there a problem with that? and she said " you did n't provide personal information so we cant help you '' I told her Listen I did n't know who was calling me and she hung up on me. Not only very only very unprofessional but also since l will not be getting the verification of debt in writing within 5 days it is also illegal. Called back XXXX the transferred me to collections dept outsourced to the XXXX spoke to XXXX, she told me to call SourceRM the company that was n't taking my call. Asked for a manager, she said it would take 30 mins, I said I had all day. She then told me she could transfer me because I was n't a XXXX customer ( Oh that will get me back as a customer ) Asked for her agent ID number said it was policy not to give out personal information. ( What? ) I reiterated I wanted to speak with a manager and she hung up on me. Great

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-02
Company: EQUIFAX, INC.
State: NV
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 XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a business checking account at US bank. I applied for a merchant processing service through XXXX XXXX XXXX, connected to this bank account. I did not use or activate this merchant processing account. However US bank allowed them to take money from the account. At first it was {$43.00}. I then paid US Bank to block any further charges from this company. The merchant services company then came into the account under a different name and took {$490.00} which overdrew the account by $ XXXX. The bank then added fees on top of fees. The result was that the account was closed and charged off because I would not pay for this unauthorized charge. The bank should never have let such a charge go through when there was almost no balance in the 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello, I called into each credit bureau and asked them kindly to please do a full investigation of every piece of information on the accounts listed below over a month ago! And nothing was done. I called in because i didn't not recognize the accounts and they are unauthorized. 

15 U.S.C 1681 C-2 605B A : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not any information relating to any transaction by the consumer. 

CFPB, Please help me work with the credit bureaus to make sure these accounts that do not belong to me get removed from my reports. I just want my report to be 100 % mine and 100 % accurate. I want my voice to be heard and I want the credit bureaus to do a proper investigation and review every detail of all these accounts as well as my ftc report and police report and remove these unauthorized accounts. Like I said, I believe I'm a victim of identity theft so they should be removed within 4 days of receiving this anyways because I just filed the ftc report and police report. ( review 605b ) The accounts/inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2022

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 2017-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was in the process of putting my student loans in In-School Forbearance. During that period my student loans went into 90 days late payment. I did not realize this! I would have paid during that time, but received no notification at the address I lived. I did not know. I have disputed this twice with my student loan provider and with the credit bureaus, but they have not taken it off of my credit report. It has negatively impacted my credit, but they have made no adjustment or had no mercy though I have no previous record of late payment, or any following this incident. Thank you for your help!

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 2015-11-05
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Where as Scottrade in XXXX XXXX, NV did close my checking account without my being notified in any manner or form as to policy changes. This account is a typical brokerage account where funds are deposited and or swept into by sale of securities. On XX/XX/2013, I deposited a check from my Scottrade account into my local Bank checking account for personal reasons. These accounts are in good standing with more than adequate available funds. As a long term customer with both institutions, I am presently without reason being falsely accused and charged for this check and the incurred fees. I resent the rude manner in which I am being treated by Scottrade and demand the resolution of this issue.

Company response to consumer: Closed
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax states I do not have a credit score or report. I sent my if documents to them. I also have not been able to get my credit reports or more information. Please help.

Company response to consumer: Closed with explanation