BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been trading with Binance US for over a year and had previously been verified with them. I currently have {$130000.00} in cash and ~ {$35000.00} in cryptocurrency on their exchange. On XX/XX/2021 I had my mobile phone repaired and later that day I was asked to accept the terms of XXXX XXXX when I tried to make a trade - I was not asked to verify any other part of my identity. Since then, my account has been pending verification and I do not have access to my funds. I have submitted two support tickets ( XXXX and XXXX ) and my issue has not been resolved - I also emailed to ask if I should be concerned about my account security and did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/, a company called Westlake Financial ( Portfolio ) repossessed my vehicle without providing me with any prior information or an order. I protested against the repossession of my vehicle as I have requested information from this company since they took over from the original lender. Westlake claimed I missed a payment after taking over my loan. Despite presenting payment information, they requested more without resolving the issue. The repo man was disgusting in his behavior even pulling off with me still physically attached to my vehicle. I must now go to the XXXX  to have myself examined due to my injured XXXX  XXXX. He called Police Officers who threatened to arrest me for a civil matter when the man responsible for repossessing my vehicle was the one who was breaching the peace. The Officer stated that if I did not get out of the vehicle, I would be making matters worse for myself. I was publicly humiliated by this company and their repo company for an issue they deliberately neglected. It seems like they acquired my previous lender and are going to any lengths to recover their investment by unlawfully repossessing as many vehicles as possible. The repo driver told me that he had confiscated several vehicles for this company this week. He said that we, as the victims, should file a class action lawsuit.

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 2023-10-04
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have attempted to contact my loan servicer via phone every day for the past two weeks. XXXX, XX/XX/XXXX, I have now been on hold for XXXX hours and XXXX minutes. No one has talked to me. I need a status of my XXXX plan application and payment amount. The website does not provide this information. It says I will receive an email with information on my application every 10 days. The last email I received was on XX/XX/XXXX, nothing since then. How can I resume payments when I have no idea whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,

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 2021-03-16
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This company and CFPB is jerking me around. I have not been able to use my way 2 go card to access any cash in over a week. My card issued in TN with thousands of dollars on it. The company has admittedly made mistakes, and also lying to me, misguiding me. Then XXXX, a representative called me at XXXX XXXX this morning saying shed email so I can email her back if I had trouble with my card, she then called back about an hour later stating the card was good to go. I tried it at an XXXX at the counter, declined, then a XXXX XXXX atm, declined, then XXXX XXXX at counter. The response from company says the card works, issue resolved.. not true! I need results and honesty now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a gold coin through XXXX XXXX  and did not recieve the coin.I used paypal mastercard and opened a dispute with them.I sent them the pictures of the empty boxes and police report.They sent me a letter last week stating they have approved the dispute in my favor and have credited my account in the amount of {$2100.00}. I did not see the money being credited to my account, so i called them to day and was informed that no credit has been issued and that letter was issued because of a technical glitch. 
I have sent them the pictures of the tampered box which was used to send the gold  coin and the police report multiple times to them and they deny that they have received it.I spoke to a supervisor by the name of XXXX and she says that she can not see any documents sent over by me. The letter from last week said that after revieweing the evidence they are issuing the credit.The credit company is giving me various conflicting responses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back on XX/XX/2023, about 5 months ago. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to 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 2017-08-07
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts affect me and are reported incorrectly, delete immediately 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 explanation
Consumer complaint received 2021-03-16
Company: EQUIFAX, INC.
State: GA
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:
For some years now I have been denied credit and didnt think anything of it only recently I attempted to purchase a new vehicle because my current vehicle has been getting rained on and the trunk and Im being exposed to XXXX.My health is in jeopardy because I am currently diagnosed with XXXX. I didnt realize that something was going on with my credit being frozen until four car dealerships attempted to access it I have documentation and proof that Equifax has a fraud alert on my account that they continuously after about 20 cars in sis is not there I have been begging them to provide more information to the point where they have blocked me from making any calls to them at all and steel as of today XX/XX/XXXX my credit is still blocked I am submitting a copy Of a report from a car dealership that shows that there is a fraud alert on my accountBeing given such a hard time for something that is meant to be a good thing. I would like my credit report unfrozen so that it can be accessed by anyone even myself and noticing my account has not even been updated with Equifax since XXXX. I was asked to submit some documents and did so via mail and fax on XX/XX/XXXX and was told that by XX/XX/XXXX the fraud alert would be removed but it still has not been removed as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
In XX/XX/2019, I discovered that I was a victim of identity theft. I logged into my Capital One account and realized that all my information had been changed to someone else 's. My cards were turned off without giving me notice and they promised they would send new cards. The new cards were then sent to the fraudulent address. After spending hours on the phone with Capital One, I was able to have them send me new cards to my correct home address. This took over a month to get new cards after their errors. I reported the fraud to them and they promised to remove it from my credit reports however they have not. I also attempted to file a police report, however no one called me back to take my information. I have also had a XXXX card opened fraudulently in my name. I have placed a credit freeze on all my credit reports, however my score has dropped 22 points and I feel it is completely out of my control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit reporting 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 this creditor has violated my rights. Under 15 USC 1681 Section 602 states, i have the right to privacy. 15 USC 1681 Section 604A, section 2 it also sates a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to CAPITAL ONE BANK USA N XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mines i didn't not authorize anyone to sign me up for this account this account is a result of identity thief and i need this account to be remove ASAP is this doesn't get resolved then i have to use legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Southwest Credit Systems, L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 90 -  120 days past due on the XXXX and XXXX XXXX  XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8, 14 and 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00} Consider this request as a follow-up to make sure the listed accounts are fixed

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 2018-09-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have two credit card accounts with XXXX XXXX. ( XXXX XXXX XXXX &   XXXX XXXX XXXX  ) On XX/XX/XXXX of this year a salesperson at XXXX XXXX XXXX requested an increase on my XXXX XXXX XXXX credit card. Instead someone at Synchrony raised my XXXX XXXX credit card amount and put the first charge from the XXXX XXXX XXXX retailer on that account. I have called and done a live chat with Synchrony and instead of just transferring the increase from one card to the other they lowered the XXXX XXXX card and then refused to up the XXXX XXXX XXXX card. This is clearly their mistake and now all these mistakes will be on my credit report not to mention now I can't purchase the kitchen renovation that I thought was all on order.

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 2023-04-08
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$19000.00}

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 2023-07-23
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am sending them money, but they are not processing it or applying it to my account, they will not acknowledge the payments. They are more than happy to report to all the bureaus ( Fraudulently ) that the account has not been paid saying it is a charge off when it is not because they have the money. I have proof that they received the funds from money gram ( which they are not acknowledging or processing ) they are lying about they day they closed or charged off the account because they mailed me a letter on XX/XX/2023 requesting a payment which I sent. They blocked me to my online account months ago so I can not see what they are doing with my account or how they are applying my funds. My bank confirmed they cashed the cashiers check the DAY AFTER they received it which is XX/XX/XXXX, XXXX but have not applied it to my account. I have confirmation from XXXX that the money was sent, but they have not processed it so another {$400.00} is sitting waiting for them to process it ( which was sent back in XX/XX/2023. I want the funds ( now {$3400.00} ) applied to my account, and the charge off removed- including removed from all credit bureaus but instead to reflect it is paid in full and I want my XXXX released to me, and my title sent to me. I am retaining a lawyer and my next complaint is to the US Attorneys Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Numerous correspondence back and from Barclays Bank of Delaware ( my credit card company ), indicates they could have reversed the charges for : Airline tickets CANCELLED by the airline Timeline : XXXX- Barclays spoke to airline, XXXX, whom agreed " over phone '' to reimburse me per submitting my checking acct. information through a responding email. Although I was told this was not legally necessary because they could have reimbursed me through original method of payment- my Barclays credit card- I STILL COMPLIED TO SUBMIT MY CHECKING ACCOUNT INFORMATION. 

From XXXX to XXXX ; continuously advised Barclays that XXXX was not responding to my request for refund. Due to XXXX XXXX change in Personnel, every time I called for follow up, they could not locate the reimbursement request with my checking account information that " I had already submitted '' to the prior employee. I was told to resubmit again to the new employee. This was done 3 plus times ; emailed to : XXXX, XXXX, XXXX, and their legal department as well at : XXXX, ALL OF WHOM HAVE NEVER RESPONDED. 

In XXXX, I wrote to Barclays indicating the issue I was having with this company. 
I was told by Barclays to " wait '' and follow their instructions of waiting 60 days. 

Between XXXX & XXXX ( 2020 ) and my numerous attempts to collect on my refund, I contacted Barclays again in XX/XX/2020, and requested they re-open my claim. I was told they would do so but no response. I contacted Barclays again in XX/XX/2020 and finally they really did reopen my claim and later in XXXX, they sent me a denial indicating my time frame had lapsed and they could no longer collect or reverse the charges. 

Only reason I have attached a consumer complaint database info is to show Barclays does not assist in disputes -- over 1200 recent complaints regarding same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation