BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have made multiple attempts to have my over payment in the amount of {$3200.00} refunded to me. I spoke to XXXX employee number XXXX a representative of JCPenny she stated that I can not have my money back because it is over $ 1000k. I am entitled to my money and they refuse to give me my money back. This has caused great hardship and I would like to be compensated in addition to what they owe me for the inconvenience.

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 2022-03-17
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: AZ
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:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 2023-07-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A sales associate from Ashley Furniture Home Store issued me a Synchrony Bank credit card without my knowledge or approval. 

I was contemplating buying a couch from the furniture store and asked if there was a way to pay for it over the course of a few weeks. The representative advertised that they would check whether I qualified for a credit card, they did not say they were signing me up for one without my approval. I had made it clear to them that I did not want a credit card and the representative assured me they were just going to check if I'd qualify. 

This credit card was issued to me without my consent. I have never even purchased anything from Ashley Furniture and they are attempting to damage my credit with this credit card that I never asked for and will never use. This is fraud.

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 2017-04-04
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a client that is being asked to cross qualify on a property that she is making an offer on. She is a single mother and feels very uncomfortable being asked to send her personal income documentation as well as her credit report to a person that she is unfamiliar with. 
She would like to be able to buy a home that she desires and not feel like she is being steered towards a service that she has not chosen to work with. Especially on that has so much of her personal financial information. Here is the email string requesting the documentation from the borrower. 
She is being asked to do this as a contingency of acceptance of her offer. The property is being listed by XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; here is her email string back to me after I expressed concern. 
Hi XXXX, The buyer is able to do the cross qual, and it wo n't breach the privacy requirements. It was one of the seller counter items, which was not countered out by buyer side. All we need is green light to proceed before we can open escrow. Please let us know ASAP, we will need to advise the Seller. 


Thank you, XXXX XXXX ( AKA : XXXX XXXX XXXX ), REALTOR. 
Team Leader at Team Stites XXXX : XXXX Call or TEXT : XXXX Fax : XXXX Hello In order to complete the cross qualification for this property I would just need the following : XXXX Credit XXXX Anything you think I should need to know : aka using gift funds, started new job, etc Links to my reviews XXXX XXXX XXXX Star Reviews XXXX XXXX ( all XXXX Stars ) " I look forward to building lifetime relationships one closed loan at a time. '' Over {$950000.00} in closing costs given back to the customer in XX/XX/XXXX! 



XXXX XXXX Vice President of Mortgage Lending Named One of the Top XXXX Loan Officers in U.S. 
XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX o : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ID : XXXX XXXX - XXXX BBB Rating - XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/18 someone used my social security number, DOB,  and potentially other information to get a PIN for my Capital One 360 online savings account, where the person changed my password. Luckily, I noticed the password change notification and put a hold on my accounts. Based on the information the Capital One security team provided to me, the perpetrator was most likely my soon-to-be-ex wife, who has no legal right to that account or the funds in that account. 

Capital One claims that they have two factor authentication in place to prevent this type of attack from occurring. However, the perpetrator was able to use their own phone number for the second factor - a phone number that has never been registered with Capital One or associated with me in any way that I know about. 

Upon further discussions with the Capital One security team, I discovered that they will consult a 3rd party database to determine if a phone number is associated with an identity rather than the information provided by the customer. So, apparently the perpetrator has signed up for some other account or service somewhere using their phone number and my information. This was enough for Capital One to use that phone number as the second factor of authentication. Meaning, the attacker can use the first factor ( information about me ) to generate the second factor ( a trusted phone number ) at will. So, they do not use two factor authentication as claimed. 

There is no way to disable this 3rd party database check, so I have no way to protect my accounts going forward. It's already proven the person in question has all of my information ( which could happen in domestic cases like this, data breach cases, etc. ) and that is sufficient to bypass all of Capital One 's security ( which is what true 2 factor auth is intended to prevent ). 

Due to this, my account and funds have been on hold since that time. I have made repeated explanations to their security team how this is a major security hole as it effectively makes their two factor auth single factor auth. The reps I have spoken with claim that their superiors don't see this as an issue, and that I'd probably get more traction if I had actually let the perpetrator steal funds from my account rather than preventing the theft. 

So, effectively Capital One is stating that they do not have the ability and/or desire to protect its customers from fraud due to security holes in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: COAST PROFESSIONAL INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Against coastal profession INC ( claiming to represent the IRS ) From my sister a family member and also this is my first time learning of any debt owed to IRS!? Text from my sister that I have saved and also in recorded line from IRS Private Debt Collector calling my sister and goving personal information and stating I have debt owed to the IRS which is a direct violation u the The FDCPA as well as a direct CFOB consumer protection law violation of two accounts or more. 1st being failed to disclose in written form of the notification that 1. I even owe a debt to IRS via mailing and who the represent. So the failed to notify me in writing first even awarding me of any debt owed who the represent what for and who they are in written for. Mailed to me was never done. Violation on page 5. Of The FDCPA violation. Then instead of or in disregarding the first violation and myself never getting a call they called my sister a direct Family member without my consent to then elaborate and hence the way I first found out of the debt is by text from my sister stating that I just got a call from Coastal professional, Inc. they claim they are representing the irs I have no clue or knowledge of this. Also stated I owed a negative debt to ORS and was probing for information about me, also wanted to talk with you. I gave them your number. They then said they were a private third party collection agentxy fort the irs and that I owed a large amount and needed to pay!? After the doscriptive information they probided me about the so called debt Im under the understanding its an IRS debt collection agency that you owe money to. This is second unlawful and illegal way under both the CFPB and FDCPA.due to This the debt should be cleared before taking legal action for their wrongful direct violation before having to take legal actions against as first time Hearing of this debt as well as two if not three to 4 direct consumer protection violations please address and have removed due to their direct violations. It was also a recorded call so can be played back proving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: DOLLAR MUTUAL BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX has a Free Checking Account ending XXXX. This account was opened on XX/XX/2022. On XX/XX/2022, he deposited a check into the account, in the amount of {$4500.00}. He also made a withdrawal in the amount of {$120.00}. Prior to the check being deposited ; his account balance was {$1.00}. After the deposit of the check his account balance had been {$4400.00}. The following day he made a debit card transaction in the amount of {$2500.00}. The transaction was with XXXX XXXX XXXXXXXX on XX/XX/2022. XXXX XXXX XXXXXXXX approved the withdraw and the plaintiff has never withdrawn any money from gambling account bankroll with XXXX XXXX XXXX XXXX. After this transaction had been processed the remaining balance left from the deposited check was {$11000.00}. Afterwards he attempted took withdraw more money and learned that restrictions had been applied to his account preventing his from processing any more withdraws. Additionally, he learned that the check had been returned to sender rather than allowing the remaining balance from the check in the amount of {$1100.00} be received and made payable to him therefore the sender XXXX XXXX discrepancies with the accountholder would be with merit therefore resulting into liability of the accountholder. However, the account holder should not bear any responsibility nor liability of the funds of the check wherein the only monetary value in which he actually received had been a withdraw in the amount of {$120.00}. The plaintiff needed the entire amount of the check, or it was useless to be used in the way it had been as the {$2500.00} deposit into XXXX had stayed with XXXX. Finally, Dollar Bank has valued the account holders free checking account at a negative balance of {$2600.00} with additions too late fees. Since this issue hasn't been resolved thus caused closure of the account. Either the remaining balance of the check should be made payable to the account holder XXXX XXXX or the entire check amount of {$4500.00} minus the {$120.00} withdraw equaling {$1400.00} should be made payable to XXXX XXXX. As the check had been expired when accepted by Dollar Bank and negligently deposited into the account holder 's free checking account the account holder should either receive the whole check or no check at all. No regulations allow a portion of a check made payable to an account holder to be seized when the issues of the check had been brought to the attention of the bank before depositing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Block, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a cash app account and a cash app debit card. I took out a loan using the " borrow '' feature. It was a small amount. After I used the borrow feature, I got hit by a car on XX/XX/XXXX. The loan was not yet due. ( I have medical reports from the ER, a doctor who took me off work until further notice and an attorney on the case. ) I received my paycheck on the XXXX but it was considerably lower than I had expected, and I had to use all of my accumulated sick hrs to receive the amount that I did. I called cash app and spoke with them over their support platform to request an extension due to unforseen emergency circumstances. 

Cash app not only refused to even speak with me or transfer me to someone who could speak to me, but they informed me that regulatory laws prohibit cash app from speaking to me about my account through any method except email and that the expected wait time is anywhere between 30 and 90 days. 

They asked for the best email to reach me. ( They asked me to verify my account at the beginning, but didn't have my contact info? ) So I gave them my email and protested that such a wait time is not only irresponsible, but unprofessional. ( I have yet to hear from them ) meanwhile, I have no income coming in, my attorney has not yet settled the claim, my XXXX application is still pending and now they have tacked on late fees in a rather predatory fashion. ( I spoke to them BEFORE any payments were due, ) Cash app has completely ignored every attempt at communication. When I asked for their company information, they refused to give it to me. I asked for their corporate office address and phone number and they told me they are not allowed to provide that information. 

Additionally, they falsely advertise that their cash app debit card is a legitimate debit card and it turns out, it's not a legitimate debit card on any legal ground. It's a prepaid card. That's Not the same thing. It's false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2023 I made a {$400.00} deposit in all XXXX XXXXXXXX to the Huntington Bank XXXX XXXX XXXX XXXX PA branch. I got a prompt that my money was not taken in but will be kept in the ATM and to contact the financial institution..which I did..they counted the ATM. My {$400.00} was there. It still has not been credited to my account and I have called the bank and customer service 2x everyday since and I feel like I'm getting the run around. I had 2 charges declined and my car payment is now due Monday and will decline because of insufficient funds and this is not ok. They have my money and it needed to be in my account Tuesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a few phone calls from Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX Online Phone number is XXXX Asking if I have a debt or have cosigned a debt with XXXX ( I have never owned, financed or cosigned anything with XXXX ). I have not Financed a cars since XXXX  and it through XXXX. I have never cosigned for anyone ever. 

They start out asking that I verify my birthday to see if the debt is mine- I have arugued that tehy are not supposed to ask for Non Public Information ( NPI ) over the phone the that it is my understanding that all requests fro NPI is to made by mail. 

I told this to the rep and stated that it seems that they are Phishing for info and the rep states that they must verify my identity in order to send me or provide me any info on the debt - such as when it was opened, for how much, the status and amount owed now. 

Upon giving me an address in XXXX he tells me that I can not go to the office they only deal over the phone. 

I did look them up online and appears this complaint is very common if it was in fact truly the same company. 

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX MAIL Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX The XXXX address provided when I looked up on USPS does not exist XXXX XXXX XXXX XXXX XXXX, FL XXXX Also, I did just pull my credit report today at XXXX and verified not only that I have no debt to XXXX but also that I have no inquiries with 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 2023-09-21
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested in writing to Credence Resource Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on several different occasions, that the account place on my credit report on XX/XX/2021 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Goal Structured Solutions, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act these creditors have violated my rights Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 also states consumer reporting agencies can not furnish an account with out my written instructions 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 2023-11-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We purchased a sliding glass door from XXXX on XX/XX/2022. Door was not available until XX/XX/2022. We were not informed about the interest charge in addition to normal interest if not paid off by the end of interest free period

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 2019-07-16
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
so 2 months ago today i called the creditor of this credit line and asked why when I make payments, my balance doesn't go down, ive been making consistent payments for 2 years never been late, yet my balance seems to not decrease. I am waiting for supervisor call back is been 2 months.. This is the second credit card I have a with new Upcoming credit card people and am noticing this is a pattern between these companies as they are both doing the same thing. I am not going to pay another dollar until we get this resolve. I am submitting reports everywhere that will accept one for these thieves.. I NEED ANSWERS ASAP. Continental FIN CO you have no consent to sell my account to anyone as this needs to be resolve by the original creditor. My history of payments reserve the right as Ive been treating this account responsibly and making payments. never had any issues until this caught my interest and decided to address it. My account has been closed, I have no access any more, and has been also hit with fees as if in retaliation, thats the current status. I need a president type of rep to give me a call and resolve this matter expeditiously. until then I will be submitting reports everywhere and see where else this will lead. I will retain a lawyer for this matter, if this is not dealt with correctly. I don't deserve this treatment. taking more than expected through auto pay as well

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