BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
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:
n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX Account # XXXX XXXX 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 an 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 2016-09-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
To Whom It May Concern, I XXXX XXXX a XXXX veteran banked with Well Fargo up to 2 months ago. I withdrew because Well Fargo was taking my Educational Money from the VA Educational fund allotted to me for me to continue my education in College. The VA Education department has been sending me letters for the last 3 years that they have overpaid me when I have never been paid a dime. Now, the VA Educational department is threatening me by re-cooping my military XXXX checks to repay a debt I have never received any money for. I need your help in tracking this dilemma. 
Sincerely yours, XXXX XXXX Phone # 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 2016-10-21
Company: Professional Recovery Management
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested Fox Collection Agency to provide me with proper validation of debt from the original creditor, not them, the debt collector. They refused to provide me verification of the validity of the alleged debt, they only provided me " verification '' of my name and amount of an alleged debt, on a Fox Collection Agency Invoice. I personally feel what they have provided me is improper documentation posing as debt validation. This is not sufficient for debt validation. They refused to provide any identifying documentation of the original account, no statements from the original creditor, payment history from the original creditor, etc. I then reached out thru email to Fox Collection Agency in regards to what they sent me, and I had requested more information trying to figure out the original creditor information, the alleged amount, in order to compare to my health insurance/ copayment records, and no response ; I wanted again proper validation from the original creditor, not them the debt collector. Fox Collection Agency never responded to me, and in XXXX added the debt to my consumer credit report. Debt collectors must provide proof you owe the debt to the original creditor, not to them. They did not provide that to me as I requested. 
It 's not a matter of not satisfying a debt, it 's a matter of the allege debt being correct, giving me, the consumer the documentation, so I can verify what to do. Especially since this is a Medical Collection, I needed all of the documentation to compare/ and verify with personal/ health insurance records.. It did n't match my health records on date of service, amount billed to insurance, or copayments, etc. 
I believe that Fox Collection Agency should be investigated for their corrupt practices. I told them in email, that I would satisfy any debt that is verified as mine, I had no problem with that. I have a problem with them refusing to provide verification of the original debt amount. They refused and added a derogatory item on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: eMoneyUSA Holdings, LLC
State: TX
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 am a victim of identity theft. I have requested for XXXX to investigate an existing fraudulent account on my credit report> I have supplied all three crediting agencies with a copy of my police report requesting for fraudulent activity to be remove. XXXX  has failed to comply with my request. I've written a letter stating that Emoneyusa Holdings LLc does not belong to me and therefore should be moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/20 CAINE & WEINER COMPANY INC reported collections on my XXXX and XXXX credit report. This is for auto insurance. Amount is false, also this maybe classified incorrectly as retail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I attempted to use my Sears Citi credit card for {$1600.00} purchase for a washer and it was rejected even though I had zero balance and {$2000.00} limit. I contacted them and was told they chose to put a hold on my card because $ amount was outside the scope of my normal purchase range person and this hold protected me.This hold discriminates against the consumer with a low credit limit and small purchase history for small purchase and payment history. Am I to know that a reasonable person should call ahead to get permission or is this a way for the credit card to anger the small user so that they will cancel their card is costly to credit card company to maintain the account. Also the attitude and demeanor when called the customer service line was that use of the card was up to them and not me. I believe the whole experience was very embarassing and the credit card does not care whether I ever use their card because I am a small fish in a very pond. XXXX XXXX e-mail XXXXXXXXXXXX

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 2021-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a old Dept from XXXX they keep resale the dept to other collations company no settlement was every offer. Send proof of settlement offer and when account was open. When I dispute it they keep selling it to other collections company destroy my credit. I need help. No offer to settle Debt. It should have drop off my credit. Portfolio recovery when I dispute it they take off them resale Dept and put it right back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One account was paid in full and closed out. Before I submitted the final payment I told the creditor I was homeless and trying to get a VA loan and asked if they could clear my late payments which were holding me back. The representative told me once they received the final payment she would make sure I was cleared and that my account would be closed out so I wouldve have any more issues in the future with my credit. Upon mutual agreement I submitted my final payment and until this day Ive been waiting for an update. I was promised they would submit a request to the CRAs to remove all delinquencies from my credit file. All it says is paid but still has my past due which is holding me back from trying to get a house for myself and not sleeping on other peoples couches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I took out a loan to refinance my XXXX Buick Encore from One Main Financial, XXXX XXXX XXXX XXXX XXXX, CO XXXX with XXXX XXXX. XXXX XXXX called and stated several times that she could consolidate the signature loan I had at the time and the new refinanced auto loan. She said I qualified for a good rate and could pay off my car in less time as my loan with XXXX XXXX. She said that my payment would be about XXXX per month in total. I went in on XX/XX/XXXX to do paperwork on the loan. On this date XXXX XXXX stated that I also qualified for an additional XXXX within the confines of the loan. She spoke and spoke a lot and I signed the papers as she printed them off. 

The following week, I received papers indicating the payoff of the pre-existing loan. Then on or about XX/XX/XXXX, I received a call from a women at the branch who would not identify herself. She said she was the manager and that the loan I received did not payoff the existing loan and that they would continue to take payments for that loan and for the new loan. She said that I had until XX/XX/XXXX to return the XXXX and the loan would be null and void. I had used the funds to pay legal fees so I did not have the funds. This women belittled me and stated that if I had read the loan documents I would know that the total loan would have been closer to XXXX. I would have returned the funds easily if I would have been called the XX/XX/XXXX. I am currently paying this company nearly XXXX per month. I feel I was a victim of fraud and mislead. I feel I was pursued with malice. 
I was also zealously encouraged to purchase the life insurance policy. 

I have suffered XXXX since XX/XX/XXXX and have been so impacted by this. I only now have been able to take the papers out and look at them. I have been making the payments faithfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To Credit dispute department : XX/XX/XXXX - Contacted Chase Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XXXX XXXX, XXXX {$8300.00} Reported as income from form XXXX from Chase Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted Chase services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by Chase Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at Chase, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX  XXXX Reference # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2018-03-18
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a letter from PayPal Credit thanking me for opening an account. 

I did not open an account and I do not have a Paypal account. 

On XX/XX/XXXX, there were two {$1.00} charges from Paypal against my XXXX  XXXX XXXX credit card. XXXX said there was fraudulent activity on my XXXX card, so they closed it and issued a new card. This is not a complaint about XXXX. 

On XX/XX/XXXX, I received another letter from Paypal credit saying they suspected suspicious activity on the PayPal account and they gave a number to call. I called the telephone number, but the woman demanded my date of birth and last 4 digits of my social security number. I did not give them this information. 

On XX/XX/XXXX, I received a statement from Paypal Credit saying I owe {$800.00} I have received many harassing robo calls in the past few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Friday XX/XX/XXXX my Cash App account was closed after trying to send my cousin {$260.00} in which the transaction failed. I can no longer use my Cash App card, It will not let me link my bank account or card to my account in order to be able to withdraw my funds. I still have XXXX left on my account with no way to receive or withdraw it. I have tried contacting Cash App Support via Email and I still have yet to receive a response after sending an email Friday XX/XX/XXXX. I even tried to DM the support team via XX/XX/XXXX they told me the first time someone will get with me in up to 72 hours then they told me it will be less than 24 hours until I get a response and still no response. I believe Square Inc. is responsible for this situation with Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, Equifax, and XXXX not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I was contacted by an unsolicited telemarketing phone call on XXXX XXXX 2014, by a salesperson named XXXX from XXXX, she asked me to pay {$390.00} for a package including XXXX websites : XXXX for shopping, XXXX for travel and XXXX for green products, and I would make 15 % commission on anything sold on these sites, including commission on my own purchases, I paid the fee with my Amazon Visa Card, later on about a week after XXXX called me again and offered me a new package, It would cost me {$10000.00}, she said I would be part of a special group of customers that would participate in a year long marketing campaign. I would be paid a referral bonus of {$100.00} for any new people that signed up for a website package like I did.I was also told that I would receive a 5 % commission anytime anyone clicked on a banner and placed an order linked to my website. She told me this program would also push to each of my websites and that I would be able to monitor that traffic. I was told that this service would also include a lot of work on my new websites to make them more unique. Needless to say I ended up paying that fee once again with my Amazon Visa Card. 

I checked my websites and they were all spelled incorrectly, from what me and XXXX talked in the beginning, so any traffic being pushed there would be a waste of time, I contact them and requested that they correct the problem.They did a couple of weeks later but also I got notified on XXXX XXXX that my " year long '' advertising campaign had ended, I paid for a year and I got that notification 3 months after, I informed them I paid for a year and I expected a year 's worth of service, they ignored my request. They were stringing me along with excuses every time I called them. I contacted customer service around XX/XX/XXXX and found out I had a new account manager named XXXX XXXX. He told me that my websites were being totally reworked and that I would be happy with the results. I have n't heard from him in the next weeks.Then I got an email from Customer Service talking about " the new affiliate process ''. It was then I saw that my XXXX websites had been transformed without my permission or knowledge to an Amazon affiliate site. I called and asked what was going on and XXXX told me the company has changed hands, I was not happy with the site at all. I told him that this materially changed the contract I had entered with AOD XX/XX/XXXX and that I was n't happy with the change, after I sent that email XXXX did not return any more calls from me, then I found out later that my site was switched to XXXX. They breached the contract and they effectively put me out of business by shutting down my website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Credit Systems Inc placed on my credit that I was high risk for a debt that I was never aware of and a debt that they never made me aware of. I never received any call or any communications even though the XXXX XXXX creditor ( XXXX XXXX XXXX XXXX ) had all of my information ( my email and place of work that they needed for employment verification to even apply for the apartment complex has not changed in the past 3 1/2 years ; I was a resident from XXXX XXXX XXXX ; employed with XXXX since XXXX XXXX ). With that being said, I also never received a debt verification letter. I was only aware of the debt after I tried to apply with a previous residence and they told me I was declined because of the debt in XXXX. Keeping in mind that XXXX XXXX did n't even know who I was initially when contacted by the apartment complex I was applying for rental verification. Afterwards I went to XXXX XXXX to see what the problem was and I meet XXXX XXXX who is the current property manager. She was extremely unhelpful, of course, and before I was introduced she spoke to her assistant in front of me in XXXX ( she did n't realize that I spoke some XXXX ) about my situation. I asked her about the situation in XXXX and she told me that she could n't give me any information. The only information that she gave me was that they had me moving out on XXXX ( mind you the debt collectors reported " my '' debt to the national credit bureaus in XXXX ) and she said " something about carpet. '' She did n't furnish me with a list of infractions or anything, even after I asked her. All she said was that " she deals with this all the time '' and that it was " out of her hands. '' She gave me an email but was hesitant to give me the name of the person to whom I was sending the email to. The only notification I got from the National Credit Systems , Inc was after I disputed it with XXXX in XXXX and the letter states that they have already reported to all XXXX national credit bureaus. Still no debt verification or contact outside of that letter in the form of email, phone call, or even through my job ( I would n't even mind that if it meant paying a debt that I actually owed ). " We urge you contact our office to begin this process and to avoid other collection remedies available under the law. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.

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 2020-04-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Again, this bank continues to charge overdraft fees and extended over draft fees in light of the global crisis. We have no money! And the banks continue to profit off of our misfortune I was charged an overdraft fee AND an extended overdraft fee both for {$36.00}

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 monetary relief