BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: Netspend Corporation
State: UT
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I purchased a property from XXXX XXXX in XXXX. I never got a contract from this company. After I paid a large amount of money, using XXXX credit cards, I still had not gotten a contract on the land. I live in XXXX so now I am getting concerned. I contacted XXXX, General Manager, XXXX, Office Manager and XXXX, Finance Manager and requested this contract. I get an immediate email from XXXX that stated that he sold my property, which was {$250.00} per month, last night and that he had others. I asked him for a refund. He stated he gives refunds but since I had been looking at different properties since XXXX with him, this is now XXXX, he would not refund me but would put me in a property with twice the payment or he would hold the money for me until I found something else. I then request my credit cards and Paypal Prepaid card to refund me based on this is a scam and fraud and I never had a contract. My XXXX XXXX gave me the money within two days. Paypal told me twice that they had the money, it had been refunded by the merchant and it would be refunded by XXXX and today, XXXX I get an email they will not be giving me my money because I authorized the transaction! I am willing to file a police report because I do n't even know if this is a legitimate company at this point!! I call the dispute department with Paypal and I can not speak to anyone and I get people from XXXX who tell me I am getting my money but the email says the opposite. I have spoke with an attorney who clearly sees this as fraud and I was well within my federal protected time frame for right of recession which I still am because there is no contract!! XXXX law is to have a contract notarized as well but the point is XXXX sold the ground I purchased AFTER I paid for it so I would NEVER have paid for this had I known he sold the ground to someone else that he sold to me!!! I NEVER RECEIVED ANYTHING FOR THIS MONEY OTHER THAN A CREDIT!! I do n't want to do business with this man as he is obviously fraudulent and a scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Select Management Resources, LLC
State: KS
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I have been in the hospital for a while and have been unable to mke payments for my loan. They reposessed my car last night. I was in the hospital after i got am XXXX from XXXX

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 2015-04-03
Company: Southwest Credit Systems, L.P.
State: NJ
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:
My complaint is with XXXX XXXX service. I was under contract with them to pay {$120.00} per month for bundled service ( TV, internet, phone ) through XXXX/XXXX/15. This past XXXX, XXXX changed their billing system and, because of a " glitch '' in the new system, I began to be charged {$210.00} per month. I have made repeated attempts to resolve this issue by phone ( over XXXX hours on the phone ) and in person but have not been able to get it resolved. I grew so frustrated that I cancelled the service and tried to calculate what I thought I should pay. I forgot that the monthly bill is paid in advance so I actually have overpaid XXXX by more than {$100.00}. However, because of the billing system problem, XXXX continues to send me a bill for {$25.00} and just sent this amount to a collection agency. I have continued to call XXXX to resolve this issue ( ticket # is XXXX ) and been told several times that a supervisor will fix the issue and/or call me but none of their promises have been kept. Meanwhile, my credit will be affected by this since the bill is now in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I lost my card two days ago, there was {$940.00} on it. I tried to call right away to have a replacement mailed and to have that card blocked but I kept getting hung up on or I 'd get through and wait, and after XXXX minutes of waiting, I 'd still get hung up on. What if someone would 've found my card? I would 've been screwed because I was n't able to get a hold of someone right away. I trusted these people with my money and what 's worse is that I get outsourced to people in the XXXX or XXXX. I finally got a hold of someone just now after XXXX minutes of waiting. This is unprofessional and now I have to wait to pay the rest of my bills. I still ca n't access my account online!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Netspend Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have a visa debit card with net-spend. On XXXX XXXX, 2016 XXXX fraudulent money transfers was made on my account by an individual I do not know. Net spend would only say the individual name was XXXX XXXX. At XXXX this individual withdrew {$350.00} from my account. I called and reported the fraudulent activity and the representative XXXX, told me that my account would be blocked and I was given a dispute number. One hour later the same individual withdrew more money from my account. Again I called and was given a dispute number and told my account would be blocked. I filed a dispute and sent in all requested documents, including a police report for identity theft. After waiting 10 business days I was informed that there was nothing that they could do because the individual had all my information to transfer my funds. Even after I filed a police report they did nothing to retrieve my funds which had been stolen from my 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 2022-05-14
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
Unable to get my free Equifax annual credit report online as promised on XXXX XXXX. 
An error message claims Equifax is unable to verify my identity but no such error occurred with the other reporting agencies. As a result I now have to wait 6 weeks for my ordered annual credit report over the phone or by mail. 

When I clicked on the link to check my Equifax credit report, a page stating that the system was not available and takes me to a page that states Status404 - not found the origin server did not find a current representation for the target resource or is not willing to disclose that one exists. After it says, " report already received '' and I have not received my free annual credit report from Equifax. This is not the first time, which tells me they don't care nor have intentions on solving this issue. It would not let me back in the site. I have gone to Equifax website, but you must purchase a product in order to speak with a human person. The links connected with the Fair Credit Reporting Act for their site are not active, there is no phone number to resolve issue. You can't even order a credit report without signing up for a monthly subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Have been patient with this medical facility since XXXX. A change in doctors was done on XX/XX/XXXX due to unprofessional conduct from the previous physician. Trouble began with XXXX XXXX, with over billing, miscommunication, nurses giving out bad information and overruling my decisions on products and services. During my XXXX he allowed XXXX the procedures already discussed with me. She wanted to XXXX when the arrangements were for XXXX services only. My XXXX visit his office billed my insurance 3 times. From then on, after XXXX, they were Balance Billing me. Their fees did not match my insurance company Explanation of Benefits. This was very confusing and would have cost me much more than what I owed. On XX/XX/XXXX they billed me {$2300.00} for the XXXX performed XX/XX/XXXX. A final notice was received XX/XX/XXXX. During the whole process I got harassing calls XXXX harassing calls during XX/XX/XXXX. Since XX/XX/XXXX I have paid them {$3400.00}. Of the {$2300.00} only {$1700.00} remains. A check for {$300.00} was mailed XX/XX/XXXX. On XX/XX/XXXX CSR XXXX pressured me by saying I needed to pay the {$2300.00} within 120 days for it would go to collections. I advised him I agree to pay what I owe but I was neither informed of this procedure and in no way understand why I 'm being pressured even-though XXXX XXXX XXXX has been receiving constant payments from me. They followed through on their threat. A letter from Automated Collection Services XXXX XXXX XXXX, XXXX, Tn XXXX ( XXXX, Ca XXXX was received XX/XX/XXXX. I informed XXXX that I thought collections procedures were designed for people who failed to pay for services rendered and expressed my dissatisfaction with their Robo calls and other tactics used in dealing with me. XXXX should be made to inform consumers of their 120 day payment in full billing guidelines. Either way, I would not have agreed to this and it seems unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NJ
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 following collectors are in violations of my rights as an consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the inquiries! 

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. 1692C Without the prior consent of the consumer 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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 have sent several dispute letters to XXXX, XXXX, and Experian about an incorrect account on my credit report from XXXX XXXX. XXXX could not verify and sent me proof of the debt so it was deleted. I requested the debt be verified and to be sent proof from all three agencies. XXXX and Experian refused to correspond in regards to the debt on all occasions.

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 2015-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I obtained a loan from Bank of America to purchase a building for my medical practice. Due to the economy, I had to close my practice in XX/XX/XXXX and now the building is under water. There is a short sale on the table, but BOA wants me to have personal resposibility for the almost {$200000.00} deficit with a variable rate of interest. At this point, the principle balance has been paid from the mortgage loan, and the interest of 9 % that was obtained by the bank from the line of credit that has now been paid off. Also, I feel there has been a level of malice from the loan officers at BOA, as I have tried to work something out with them since XX/XX/XXXX. On XXXX occasions, I was asked to submit financial statements and tax returns, only to never hear from anyone. My case has been turned over to a private debt collector, even though BOA has its own internal debt collection agency. I would like the matter resolved by the writing off of the balance from the short sale or at least only be liable for the difference in price from the appraised value and the short sale. Due to personal liability, this puts my personal residence in jeopardy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Barclays bank of Delaware XXXX XXXX XXXX, XXXX, DE XXXX has opened a line of credit in my name which I have never authorized them to do and they will not remove it from 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 2019-03-06
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX  XXXX XXXX XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2015-06-12
Company: Southwest Credit Systems, L.P.
State: IL
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:
I canceled my XXXX XXXX service, returned the equipment and paid the bill. XXXX misplaced the equipment and/or mis-shuffled the paperwork. {$260.00} charge was sent to Southwest Credit Systems ( SCS ) collection agency. XXXX has since acknowledged I was never in debt. 

SCS is reporting {$260.00} on XXXX credit report and after phonecalls and letters they are unable or unwilling to remove it. Just today I noticed a {$18.00} charge-off account on my XXXX report - only a matter of time before something appears on XXXX and who knows where else. 

XXXX of the phone calls to SCS, I was told that they acknowledged I did n't owe {$250.00} to XXXX but asked that I pay {$18.00} for some reason. I am not responsible for any charge as I returned my equipment and did nothing wrong.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: MD
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 to the Fair Credit Reporting Act ( XXXX 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 that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that 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 non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I called Navient for help with not being able to pay my loan. They offered a forbearance. I took that option thinking things were fine. Navient reported me to the credit agencies which dropped my credit very low. I only found out that they did n't put my account into forbearance after I received a credit rating hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I AM NOT REQUESTING VALIDATION FROM THE FURNISHER OF THIS INFORMATION. I AM THE ONLY PERSON WHO CAN VALIDATE ANYTHING ON MY CONSUMER REPORT AND CONGRESS STATES MY CREDIT REPORT SHOULD BE EQUITABLE TO ME. After reviewing a copy of my consumer report I noticed late payments posted on my consumer report XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2016-02-11
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX XXXX, I was surprised to find a collection entered on my credit report from Gold Key Credit , Inc. when I did n't have any prior notice, warning or communication that this debt was subject to or nearing collection efforts. At the very least, I would have attempted to settle the debt after confirming ownership to avoid this from hitting my credit report. I received a piece of mail on XXXX XXXX, XXXX from Gold Key Credit , Inc. requesting payment. According to their records, this debt occurred in or around XXXX XXXX. I was hospitalized for 5 days but XXXX XXXX XXXX XXXX reduced my debt to {$100.00} due to the fact that I was uninsured and unemployed. I can not confirm the validity of this debt as I was in a XXXX accident in XXXX XXXX and went to a different hospital, yet XXXX bills state I owed money to XXXX XXXX XXXX. The debt resulting from the XXXX accident has been paid through my attorneys and I produced documentation of payment to XXXX 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 2021-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$16000.00} XXXXBalance {$1700.00} XXXX XXXX XXXXBalance {$900.00}

Company response to consumer: Closed with explanation