BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX is not my name. This is illegal to display my name in the incorrect fasion. My name is 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 2023-03-18
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have contact this credit card in the past, I am thinking XXXX, asking to see if they would decrease my APR % and they declined my request. In XX/XX/XXXX, I contacted them again for the same request and again declined. Each time I requested to talk to a manager, was told a manager is not available at the time but will have them contact you in the next 24 hours. Both times they failed to call me. 
I have been an on time customer and have paid this card off a couple of times. And they are not willing to help me. But they will increase your spend amount without you approving. My other credit card from a different company lowered my APR % with no problem.

Barclays doesn't care to help their good status customers. Once this card is paid off, I am done with them.

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 2021-03-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been contacting Navient since XXXX trying to acquire information on loans from XXXX, not the consolidated information that they have sent several times. My issue is with the information provided on the Federal Student Aid website does not match. When contacting the Student Aid website I was given a different response regarding the canceled loans than what Navient stated. Attached is a copy of that email and the canceled loan information. Most of the canceled loans had been applied correctly my issues are only with a few of them. I am not sure why I can not get this information, unless it no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: JPMORGAN CHASE & CO.
State: MA
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:
I purchased {$2100.00} worth of clothing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022, but I did not receive the item, nor did I receive delivery information from the seller nor any proof of delivery I have discussed with the bank, the bank has investigated and still confirmed that the transaction is valid, but the bank has not sent any proof that the transaction is valid, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX applied for TJX Rewards Credit Card XXXX Called XXXX on the same and was advised that I will receive a letter in the mail regarding the status of my application. 

XXXX received a letter from Synchrony Bank stating that it was unable to verify my identity. 

XXXX mailed letter with a copy of my license to Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX advised in the letter if I needed further clarification regarding their decision. 

XXXX called and spoke to " XXXX '' he said their was a mismatch with my name because the last letter of my last name did not appear. Advised that the hyphen is on my driver 's license and if the " y '' does not appear, it is due to the lack of character space. I was placed on hold and was told that I was approved for {$1000.00}. 

XXXX and spoke to " XXXX '' to check on the status of the card and I was transferred to the XXXX Department. Spoke to " XXXX '' in the fraud department and she stated that my application. Advised that I was not pleased and I would file a discriminations complaint because I have the credit score, credit history, and my yearly income is over {$100000.00}.

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 2021-08-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed and made an ACH payment to a fraudulent account. I reported it to Chase two business days later on XX/XX/XXXX. I was told three times by Chase representatives that I would receive my money back, {$11000.00} and {$340.00}, within 5 business days. These representatives were wrong and no one investigated the Fraud, no one contacted the Receiving Bank or had any human intervention to retrieve my money. Chase admits that they were wrong but will not admit that they wasted time and made no attempts to get my money back or honor what their representatives told me. A filed a claim and was denied by three departments as they relied on the individuals who committed the errors. They passed the buck only to say that I did not read the fine print and that Chase takes no responsibility for wire transfers that I authorized even though it was to a fraudulent account and even though the required data for the transaction did not match the account my money was wired to. I have attached all emails sent by me which were also sent certified mail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Financial Corporation of America
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did not recognize XXXX XXXXXXXX XXXX ( XXXXXXXX ), XXXX XXXX, NC, a company whose emailed message XX/XX/2023 indicated their intention and purpose as a debt collector, and the email an attempt to collect a debt : A representative informed me the debt had been referred to them from XXXX XXXX XXXX XXXX ( ECEP ), from whom I had not previously received direct services nor a bill. I had received emergent care services through XXXX XXXX XXXX in XXXX ; however the date of service indicated electronically by XXXX  on their website ( in their solicitation for payment of a debt linked via the email ) did not correspond with the date on which I received services. Not being certain what the debt was, but wishing to avoid being penalized for non-payment, I submitted an agreed-upon, one-time XXXX payment of {$25.00} to FCA, despite having made payment arrangements with XXXX XXXX ( the only provider from whom I've received emergent healthcare services ) via XXXX XXXX XXXX to address an outstanding debt by making {$25.00} monthly payments. Additionally, I contacted XXXX XXXX XXXX XXXX at ( XXXX ) XXXX and verified there is no current debt linked to my identification : I double-checked this record for full accuracy at XXXX & XXXX ( reference # XXXX ) and found no associated debt to XXXX in my name, FCA 's debt collection unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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 requested for an investigation because the accounts don't belong to me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX ) ASAP

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 2020-06-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX card told my son that I owed a debt. You- referes to XXXX  card. You violated 15 U.S. Code1692 specify section b. When you told my son that I owed a debt. 
Our agreement is now void. Please remove from credit bureaus and eliminate the balance. 
Per 15 U.S. Code1692 the civil liability plus legal fees will exceed total amount owed. To save time and money, I recomend we settle, in the method listed above. Are you willing to work with me, or against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: City Enterprises, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2023 XXXX XXXX made an attempt to make an unauthorized charge from my XXXX XXXX  account by trying to charge my now discontinued debit card ending in XXXX {$350.00} for a payment for my car loan. This is a card I used XXXXne time on XX/XX/2023 to make a payment also in the amount of XXXX. The card is not even saved on my XXXX XXXX account because I rarely use it. Unless it's an emergency. On XX/XX/2023 around XXXX I made a call to XXXX to inquire why they had tried to charge me with out my permission and if I was set up on reoccurring bill pay. I was in fact not set up for reoccurring payments or scheduled payments at anytime. The gentleman on the phone couldn't answer why they would attempt to charge me with out my permission and told me a supervisor would be calling me back. On XX/XX/XXXX I sent an email to XXXX XXXX customer service asking again for answers. I only recieved the generic response of " The email below has been added to the requested account and the account representative has been notified ''. On XX/XX/XXXX I sent another email requesting all communication be in writing. On XX/XX/2023, XX/XX/XXXX and XX/XX/2023 I had not received any reply or answers except for the same generic email as before and emails with the following quoted text from A XXXXXXXX XXXX representative. " Based on your silence and neglect, I am reviewing this account for additional action. Your attention and cooperation are needed immediately. Please be aware that your account is delinquent and is being reported to the credit bureau as such ''. I have not been silent or neglected. I have reached out. I have been ignored and neglected. I want to know why they tried to make an unauthorized charge to my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-01-05
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt allegations was remove and place back on my credit report which is in violation of 15 usc 1681 I ( 5 ) b resertions of deletion. Also according to 15 usc 1681 i7, I will like proof of steps taken to verify this account. They creditors is also in violation of 15 usc 1681 ( b ) furnishing false information to credit reporting agencys without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email on Friday at XXXX EST that I had upgraded my XXXX account. I immediately logged in and changed my password and tried to void out the upgrade. Unfortunately my PayPal was already charged. Shortly thereafter I received a notice that I had " forgotten my password ''. I disputed the charge with PayPal, because it was an unauthorized charge, but they claimed it was an authorized charge because I had an agreement in place with XXXX. The only thing I could do with XXXX was change my password and cancel my account. I reached out to XXXX and informed them of the unauthorized transaction and they said there was nothing they could do to issue a refund because PayPal had charged me.

As a result of both of my complaints, both PayPal and XXXX refused to issue a refund for the unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I received a phone call from someone claiming to be from the fraud department at Wells Fargo Bank.They said they noticed some unusual activity on my debit card.Had I traveled outside of XXXX in the last couple of days.I said no.They said someone tried to use my card in XXXX in the amount of XXXX XXXX.She then said she would have to secure my account.She told me to go online and tell her my last 3 transactions that I used my card on.I did.Then she said someone had also used XXXX to send themselves some money out of my account and that she would walk mr through the steps to reverse this transaction.She told me to go into XXXX and XXXX this code in XXXXWhich turned out to be a phone number.I said that says XXXX, she said yes thats the investigator that will be handling this case.She had already asked me earlier what my amount was showing of my bank acct on my side earlier.So she said put XXXX in the amount and that nothing would leave my bank acct that this is securing it so no one can transfer it.I did.She then said Mr.Fredneshia would be giving me a call back within 24 hours and the money would be back in my acct.We hung up and I called Wells Fargo and they told me they could not reverse my transfer and that I had been scammed.So I filed a claim.On XXXX! XXXX they sent me a letter stating that I initiated the XXXX transfer, which I did not cause I thought I was talking to a bank employee and securing my funds.And that the transfer had already been approved and processed.and they are unable to stop or reverse the funds.They have notified thr receiving bank and XXXX about the scam and they have closed my claim.I was not reimbursed.Wells Fargo has done me wrong.

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 2023-05-22
Company: Bread Financial Holdings, Inc.
State: CA
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:
I hope this letter finds you well. I am writing to formally lodge a complaint against XXXX credit card regarding the extremely disappointing experience I have had with their credit card services. I believe that their practices have violated consumer protection regulations, and I kindly request your assistance in addressing this matter. 

I opened this credit card and used it only once for a total of {$490.00}. 
I applied for auto payment, and although my bank balance was sufficient, the payment was not made on the scheduled date, and they charged me a return check fee for {$30.00}. 
And {$12.00} of interest charge was followed after. 
As soon as the issue arose, I asked them for an explanation and double-checked the information to ensure that the payment could be resubmitted.

I noticed that the amount was posted five times on my bank 's website, so I immediately raised the issue. 
During the chat, they informed me that my payment had been successfully processed. 
However, a few days later, I discovered that they had charged me a {$30.00} returned check fee again. I explained the situation over a phone call and was able to make the payment again using a debit card. So far, they have charged me over {$70.00}.

They promised to refund the fees to me later if I paid all those amounts, and I made the full payment. However, despite a considerable amount of time passing, the refund has not been received.

When I called them again regarding this issue, they informed me that they are unable to refund the charged amount.

I still don't know what went wrong with the bank information I provided.

I have been using that bank for over 10 years, and until now, there have been no issues, and my balance has been sufficient.

The fact that I am being charged {$30.00} every time I try to make a payment through my account has caused me a great deal of distress.

The realization that they are making money so easily has made me angry.

It seems like they are charging customers for mistakes that are caused by their own system, without taking any responsibility or making any effort to rectify the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
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:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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