BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have 2 complaints regarding Conn 's. My first complaint, is repeated phone calls starting the day my account is due through date payment is made. I may receive 10 calls, if not more in one day. I try to answer them all, and when I do there is no one on the line. I have asked the to call, leave a message and I will call back as soon as I can. However I have been told that its an automated system and there is nothing that can be done to limit calls. I am in the process of getting my call records to determine exact number of time they call me. 

Second complaint, I have a defective product I purchased. I have repeatedly asked about my options, it was not until a few days before my warranty expired they finally sent someone out to look. The repair person did not find anything wrong but " reinforced structure '' He also explained because of the type of sofa it would sink in the middle and told me to call customer service back if I was not satisfied. After being transferred back and forth, given wrong information and being persistent, now they are sending someone else out or my other option is to do a voluntary repossession, but still make the payment. I bought the sofa, for my daughter as a gift, a single person that works a full time job and is also a XXXX, and is rarely at home, so the sofa does not have a lot of wear and tear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: U.S. BANCORP
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX XXXX a contractor was hired to perform a service ( land clearing ) and subsequently was hired for an additional service ( septic tank installation ). In a verbal agreement, the contractor XXXX XXXX XXXX XXXX XXXX XXXX XXXX was to receive weekly payments totaling {$1700.00} ( half of the overall cost ) and come back to begin the project. I made payments via 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  aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was instructed by XXXX to make these payments to his wife, XXXX XXXX using her phone number within the XXXX feature of my mobile banking app. XXXX never performed the services as promised. In XXXX, I requested a refund. XXXX stated he would see would he could do. In XXXX, I then offered to continue making weekly payments and pay the remaining balance. XXXX stated at that point that he was not comfortable doing this project and was not willing to issue a full refund either. He stated he would settle for less. I requested {$1500.00}. He said that was unrealistic as he purchased materials for this project using my money, which he made clear he was not comfortable doing several months after he was paid to come back and start doing. I then requested XXXX license number, and company address where I could serve him with paperwork for small claims court. XXXX responded that it is not his responsibility to provide that information and then threatened that if I pursued him in court or filed a claim with the sheriffs department that he would file a claim stating that my husband threatened him and his crew ( something that never happened ) to attempt to put my husband in jail. My husband received a phone call from XXXX XXXX at XXXX XXXX XXXX XXXXXX/XX/XXXX. At this point, this is blackmail and harassment. I notified XXXX of the issue back in XXXX and then waited additional time to hear back from XXXX- and was told in XXXX, by XXXX, several months later that I would need to go through my bank. At the time, I banked with US Bank so I filed a claim with US Bank in XXXX XXXX I was told that since I had closed my account with US Bank in XX/XX/XXXX that a check would be issued for the {$1700.00} that was lost through XXXX. Approximately 2 weeks later I called the bank to follow up and they stated my claim was denied and I would need to step into a branch if I wanted to file a new claim. This is absolutely unacceptable that theyd allow a valued customer to be defrauded. I want my money back as services paid for were not rendered.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$120.00} ; 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

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 2018-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hi and thank you for your help. 
Seven days ago I made a direct deposit payment to my Bank of America Visa Card linked to XXXX XXXX XXXX. The direct deposit was reflected from my checking account six days ago. The money has still not posted. BofA has no idea where the money is no idea why it's not reflected as payment. 

The amount would have paid off my balance and allowed me to purchase much needed supplies for work. As it sets I have been unable to work because my money has disappeared. The issues has created significant losses, I'm unable to purchase supplies for work. 

Per a credit card staff reported the delay could be a marketing ploy to push customers into downloading their app. This has to be illegal. 

I need help finding my money and addressing the losses do to their marketing program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: SYNCHRONY FINANCIAL
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: Public record information inaccurate

Complaint:
In 2011 I filed a chapter XXXX bankruptcy and I was told by the court and my attorney that it would be removed from my report in seven years and it's now eight years, I have showed excellent credit worthiness and it needs to be removed.

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 2022-02-10
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was told in XXXX the only option I had to help with payment was too do the student loan forgivness plan. Which has currently came into a lawsuit in XXXX. With the pandemic I was told I wouldnt need to make a payment until further notice or at all. Today I recieved an email saying I would have to make a payment on 2 days time of XXXX dollars. However even though I have tried to make contact with XXXX thru my account online I am told account doesnt exist. 
Being out of work for over a year due to pandamic and unable to find work at the cirrent situation unless I want to work fast food, i am unable to make a payment. 
I feel like I am being coerced into high XXXX for something out of my control and also I was told until further notice or not at all. I was not given acceptable time to make payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-17
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Everytime I get over to the customer service department for the Way2go program through XXXX theres a XXXX person on the phone and they allways discriminate against me and block my card. First they were saying I was given them the wrong info in which they blocked the card twice and I had to get them removed. Also I asked for a replacement card and dispute form and it never showed up. The incident happened where I called in to ask for another card and for the fee to be waived and somehow my card thats in the mail got blocked and my account is restricted once again. Its allways a XXXX person doing it. They once gave me the wrong fax number and all. I feel discriminated against and also I feel as if they are trying to block me from recovering my funds back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: HOMESTAR FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage loan with Homestar Financial in XX/XX/2023. At first everything seemed easy but as time went on I was asked to submit things I did not have. I did everything I was told to do and pay only to end up without a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXXXXXX Account Number XXXX XXXX  XXXX bankruptcy discharged Reference Number XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting 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 am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I want to bring attention to a series of fraudulent charges that have been made on my banking account. I have filed disputes regarding these charges but have not yet been reimbursed for the unauthorized transactions. 
Multiple credit cards, including XX/XX/XXXXXXXX, XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, Wells Fargo XXXX XXXX XXXX and XXXX XXXX Pep Boy, were affected by these fraudulent charges. 
The fraudulent activities have been ongoing from XXXX to XXXX, leading to the closure of my Wells Fargo bank account due to the excessive number of fraud charges. 
Despite my efforts to dispute these charges with Wells Fargo 's customer service fraud department, they have informed me that the volume of charges is too high to handle individually. In light of this situation, I have taken the necessary steps to file a police report to document the fraudulent activity and provide evidence to Wells Fargo.

Because of the closure of my Wells Fargo account, my credit card payments were returned even though I had consistently made all payments on time. This has resulted in a negative impact on my credit report. 1 kindly request that Wells Fargo thoroughly investigate the fraudulent charges and reimburse me for the unauthorized transactions. Additionally, 1 urge them to take appropriate measures to rectify the negative impact on my credit report caused by the returned payments.

1 appreciate your prompt attention to this matter and look forward to a resolution that is fair and just.

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 2023-04-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/XXXX I made a promotional purchase on Macys.com in the amount of {$810.00} - a 12-month special event, paying no interest for 12 months with an expiration date of XX/XX/XXXX. On XX/XX/XXXX I called Macy 's CC, spoke with the agent named XXXX, and paid {$300.00} towards {$810.00} ( ref # XXXX ), leaving {$510.00} as a balance. The {$300.00} payment was applied towards a promotional charge during the same billing cycle. On XX/XX/XXXX I called Macys.com CC, spoke with an agent named XXXX, and paid the remaining balance of {$510.00} towards the promotional charges to close it out ( ref # XXXX ). I also told the agent that since I am making a payment before my due date, I will make another payment in the same billing cycle. I did make a separate monthly payment in the amount of {$180.00} two weeks later before my due date on XX/XX/XXXX. I was assured that my payments will be allocated as I requested. Today, XX/XX/XXXX, I reviewed the XXXX statement and saw that the payment of {$510.00} was not applied toward the promotional charges but applied toward regular charges, leaving the promotional charges still occurring as the interest ( deferred {$230.00} ).

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 non-monetary relief
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX  XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX  XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to XXXX 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 with the Fair Credit Reporting act XXXXXXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXXXXXX XXXX acct XXXX, XXXX XXXXXXXX XXXX  MD XXXX ref. XXXX, XXXX XXXXXXXX XXXX acct 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: National Credit Adjusters, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Explained to XXXX through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither XXXX nor National Credit Adjust, XXXX XXXX XXXX, and XXXX XXXX  which all identify as charge-off accounts. XXXX was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is a derogatory account on my report that should not be there from XXXX XXXX XXXX  XX/XX/22. That information is inaccurate. I spoke to XXXX XXXX when this situation first occurred, and they agreed to contact the bureaus and remove the XXXX late payment. they contacted you remove it right after I was notified of the negative remark. the next month my points came back, and I was happy, but the bureaus never removed the remarks. please remove these remarks so that I can try to purchase my dream home, I don't want these remarks to negatively affect the image of my credit worthiness

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 2018-11-23
Company: Experian Information Solutions Inc.
State: TN
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 tried to buy a house and the mortgage group notified me that one of the three bureaus they pulled my credit reports from was suspiciously low. Found multiple incorrect items reported on my report on Experian. Tried to resolve the issue in XXXX but Experian provided no assistance in the matter. The information on my account also has multiple instances of someone else 's information ( all of which is overdue ) on it who happens to have the same name and be from the same part of Tennessee as me. This is negatively effecting my life. I'm trying to get a personal auto loan and can not due to this bureau 's negligence in thoroughness.

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