BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can Experian XXXX and XXXX  XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= Experian RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your Experian credit report does not display a fraud alert.

=== Experian did not Respond about the Extended Consumer alert Experian Please Resond about removing the Consumer alert ======= Ecperian should Remove the Extended Consumer alert in my Credit File XXXX XXXX CEO Banks XXXX XXXX and XXXX XXXX XXXXXXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR

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 2023-07-25
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold some stock with XXXX XXXX, {$77000.00} and deposited a check from my XXXX XXXX account, {$45000.00} into my M & T checking account which bounced. Called XXXX who told me that my check writing account was frozen by me which it was not. The woman I spoke with was able to turn it back on so I could write checks from XXXX. I then deposited the whole {$77000.00} into my M & T account last Wednesday XX/XX/XXXX. M & T Bank has completely froze my account per their financial crimes people. I know that XXXX has released the money but M & T is investigating like some kind of fraud has happened. Besides that $ XXXX I had just shy of {$10000.00} in that account and now the checks that I wrote to pay bills are bouncing which is going to ruin my good credit. I tried talking with their people doing the investigating but they refused my phone call

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 2023-07-31
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/23 at approximately XXXX XXXX I tried calling Nelnet XXXX my student loan service provider. After going through the menu, I was told by the automated voice that my hold time would be XXXX minutes! 

On Nelnet 's Contact page is the following language : " We're currently experiencing unprecedented call volumes, which is leading to long hold times. We apologize for the inconvenience. '' And on their email page they say : " We are experiencing unprecedented email volume at this time, which is leading to longer-than-usual response times. '' I have important and time sensitive questions about my student loans. I called the XXXX phone number first ( they answered within a few minutes ), but they referred me to my loan provider for certain questions. 

No consumer should be expected to wait over an hour on hold to have questions answered. Student loan borrowers have no choice in their service providers. We are stuck. Nelnet is clearly unprepared and/or unable to properly serve it's customers. 

Nelnet might address this problem by : 1. Hiring more customer service representatives. They need to double, triple, or quadruple their staff. 
2. At the very least, institute a " call back '' option whereby a Nelnet representative calls the customer when the next agent is available. Again, no one should have to wait on hold for over an hour. 

I suggest that the appropriate government agencies/authorities investigate Nelnet 's ability to properly serve student loan borrowers. If they don't improve their customer service capability, they should not be in the student loan servicing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CONTRACT RESOLVE GROUP LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Wednesday XX/XX/2021 XXXX XXXX of Contract Resolve Group, LLC called to collect a debt. When we asked for verification of the debt he said he would send verification by sending a personal agreement letter. The letter they sent was fraudulent and not signed in person or via email by me or my wife. They proceeded call us XXXX, threatened to go to the IRS, take us to court and call us other names via email. All while sending these emails and having communication with our daughter. She is has nothing to do with this matter and she is being harassed via email by XXXX XXXX and verbal assaulted by XXXX XXXX. XXXX XXXX told her he was " going to come get her XXXX and XXXX '' that he was " going to send people to NJ for them '' and said he had XXXX. No formal police were contacted. We have not yet sent a cease and desist letter but we will to day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make 1/2 of my payment bi-weekly. Because sometimes 3 halves of the payment post during one billing cycle ( by 1-2 days ) and only 1 during the next cycle ( 2nd being make 1-2 days after cycle ). Synchrony bank charges me late fees. I am not late - I am actually ahead of their schedule and will end up making 13 payments in a year rather than 12. Each time this happens it takes 3-4 calls to get it corrected. This time they are refusing to correct the problem. I am not sure how a company can charge late fees to a customer who is actually ahead in their payments..

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 2022-10-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Initiated standard bank transfer on XX/XX/2022 from Venmo account after receiving money from someone I know in the amount of XXXX. Venmo sent an email notice and notification in the mobile app that the transfer was initiated and the expected date to receive funds on XX/XX/XXXX. Funds have yet to arrive in my bank account as of XX/XX/2022. I contacted Venmo XXXX  times ( XXXX XXXX ) and I was able to to speak with a representative all 3 times. During the second and third call, the representative stated that I should receive the funds that same evening. All three representatives stated that an email would be sent when the funds were transferred, however there was never an email to document the call or any other communication by email about the transfer. The transaction still shows as pending with estimated arrival of funds on XX/XX/XXXX. 


This is the first time having an issue with Venmo and the representatives stated that this was an internal error assured me the transaction would be completed without any further explanation or recourse should the transfer not take place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One is reporting my account 60-90 days past due and has not reported to the credit bureaus since may. Since then many payments have XXXX made and My account is currently up to date since 6/30

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, an open end consumer credit plan as late for purpose.

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 2019-12-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for a CareCredit card for a medical procedure. On their website it states you have two options to pay. 0 % at different terms like 6 month, 12 month, 24 month, etc or 24 months offer with a 14.90 % APR, a 36 months offer with a 15.90 % APR or a 48 months offer with a 16.90 % APR. Purchases of {$2500.00} or more may be eligible for a 60 months offer with a 17.90 % APR. When I called to select 0 % for 24 month period they said they have nothing to do with setting the terms the doctor office does. The information on the rates is buried in the disclosure information at the bottom of the page and does not appropriately explain that you need to contact the doctor or what ever medical institution you are doing business with to see what terms you will be offered. 
Therefore ; because I did not understand this and the way it is explained on their website they are not transparent in how the rate will be determined and that you should check with the medical entity to understand what rate you will be charged. To me I find this to be bate and switch as to what they are offering. Had I known upfront and understood that I would be stuck with interest rates of something between 15.9 % to 17.90 % I would have made other arrangements for payment at a lower rate through a different financial institution. This needs to be made clear on their website that the doctor 's office determines the rate. Also, the call center you call into is offshore so you can barely understand what they are saying and the client service was horrible. Please visit the following page to see how the rate terms are explained : https : //www.carecredit.com/howcarecreditworks/prospective/

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 2023-03-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I'm writing this review to alert consumers to stay away from this company. I have been a client of theirs for two years. I never missed a payment and never went over the limit. I've always been in perfect standing with them. Today I just so happened to log in to make sure everything was up-to-date and I saw that they had reduced my credit line by {$2000.00}! From {$2300.00} to {$300.00} in the same month, without notifying me. I had to call in to ask what happened and they told me I had to wait to get the letter they sent out explaining why and that I wasn't the only consumer that this happened to. My credit is going to take a major drop now because of them. ABSOLUTELY STAY AWAY. THEY DON'T CARE ABOUT THEIR CONSUMERS AND PROVIDE NO CUSTOMER CARE OR USER-FRIENDLY ONLINE SERVICE.

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 2021-11-17
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX XXXX XXXX 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 inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Client Services, Inc.
State: FL
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:
*See 5 Attachments Client Services Inc . Mailed me a Form creating the impression that I owe them for a debt. Within that form is multiple FDCPA violations and i have marked and noted them on the form and included it as an attachment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company shows that I am making a {$26000.00} per month payment. I am not making that payment. The account was turned over to a collection agency, but it is not show as discharged with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Section 607 15 USC 1681 ( E ) Compliance procedures 15 USC 1666 Correction of billing Errors

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 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: WELLS FARGO & COMPANY
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:
When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
WELLS FARGO DEALER SVC ******** XXXX Date Opened : XX/XX/16 Balance : 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 2023-08-01
Company: W&A Intermediate Co., LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a text message. I contacted the company. The lady on the first told me it was for a date of service in XXXX. Then told me it was for a date of service of XXXX. The statute of limitations for medical debt in XXXX is XXXX  years. When I told her that, she told me that I had other dates of service up to XXXX and insisted that I make a payment to take care of this debt. I refused. 

In addition to this, the only communication I received was a text message stating to contact them for important information. There was no communication saying that I could dispute the debt and all of my attempts to do so via phone were met with I understand, but you owe this money. When I told her that I wanted to verify with my EOBs and the company who supposedly sold the debt to them, she said that I should go ahead and take care of it today so that I dont have to worry about it anymore. 

If it is my right to dispute the debt, then I should be given time to look into it. The first time I heard from this company was with the text message and then the subsequent phone call that I feel I was tricked into making from the text message. 

I attached the screenshot of the text message. This is the only communication I received about this debt prior to the phone call. It should be noted that at the end of the call, she wouldnt let me off the phone before she verified my address and phone number. I dont know if this is allowed either, but I wanted to note it in case. 

The lady was very aggressive about collecting the payment without me being able to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Square Inc
State: PA
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:
On XXXX I made a purchase with my square XXXX via XXXX for {$350.00}. This transaction was immediately canceled through XXXX and refunded. I called square to have the funds added back to my original balance and the square rep voided out the wrong XXXX transaction which in turn charged me twice and put me in a negative balance. Not only is this an inconvenience but will also reflect negatively on my account when doing future business with square. All because of a mistake on the behalf of the square representative. Ive been transferred numerous times with no resolve in sight! Was told it would take up to 60 days. The representative XXXX XXXX was very dismissive and refused to transfer me to a manager or someone above her in ranking to help resolve this issue.

Company response to consumer: Closed with explanation