BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: NBT BANCORP INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a reopening of the NBT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY Phone : XXXX. They did not answer the question, I believe they are scamming me. {$2100.00} ( XXXX XXXX XXXX XXXX and XXXXXXXX dollars ) is missing from my account. I felt harassed when I made transactions on XX/XX/2023 due to strange door noises, no pens at desk, felt they were going to scam me. After I made the transactions, I went XXXX minutes later to another NBT Branch to get a printout. The printout said I made a {$1800.00} ( XXXX XXXX XXXX XXXX dollars ) withdrawal and {$2100.00} ( XXXX XXXX XXXX XXXX and XXXX dollars ) deposit. On XX/XX/2023, It says that around {$2200.00} was on hold. NBT said on the phone the XX/XX/2023 on hold is impossible even though I have a NBT printout. The {$2100.00} ( XXXX XXXX XXXX XXXX XXXX dollars ) is missing from my bank statement. I believe NBT Bank XXXX XXXX is stealing from me using some sort of advanced scamming method. The deposit does not appear on my monthly NBT statement. They stated that the bank teller of XX/XX/2023 left my account open and deposited someone else 's check but I received no evidence. I believe this is their scamming technology. I am a pre-senior and do not recall that day much, but remember I felt uncomfortable enough at the NBT XXXX XXXX to go to another NBT Branch later that day to get a printout of transactions. I have never done that before. I am trying to find the deposit slip, but I may have discarded it. I am a mixed race female.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted several letters to Tranunion starting in XX/XX/2023, disputing the XXXX XXXX account fraudulently on my report. I have yet to receive confirmation of my results and/or proof this account belongs to me. Under the FCRA this account should be removed NOW.

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 2021-08-19
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The federal violation conducted pertains to the Consumer Protection Act whereas SquareXXXX failed To protect consumers from unfair or deceitful actions made against me by its merchant, XXXX XXXX. Also, my consumer protection was violated in the state of Texas in which a consumer complaint was filed. 

The merchant offered store credit for its consumers via website and refused to honor that for me. So as of today it has my products as well as charged me for the products. 
Prior to reaching out to you directly, I have taken multiple attempts with disputing this matter with my bank XXXX and the merchant lied and indicated that I have my products which I don't. 

Before I seek legal guidance from a consumer attorney and escalated this matter to the following entities CFPB, XXXX  and Texas Attorney General, I believe that its important for the entities to know the lack of accountability SquareXXXXXXXX has taken regarding my matter and not being careful as to know how merchants refuse to work with its customers after being suggested. SquareXXXX should have understood as a brand consumers are helping small businesses and corporations during these times of the pandemic and for consumers not to be ripped off with falsified policies. 

Also, SquareXXXX should acknowledge that the merchant should be held responsible for its Liability for Chargebacks especially after disputing with my institution. 

I attached the following images to support my dispute which shows the merchant having my products via tracking number, a screenshot of her website with the verbiage of " store credit only '', screenshots of her threatening me on social media, etc. 

Since then, I have reported this behavior as consumer fraud and theft to FTC as well Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: ACIMA CREDIT, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2021, I went to XXXX XXXX on XXXX XXXX in XXXX XXXX FL and purchased a refrigerator. I did not have enough money to purchase the refrigerator outright and they offered me a financing option. I completed my information on a small tablet and typed my signature. The clerk at the store told if I paid it off in three months, I would save allot of money. She said they send you a notification when you are close to the three-month window so that you dont miss it. The company was Acima acct number # XXXX I didnt receive any correspondence from the company ACIMA except for the day I made my purchase in XX/XX/2021. I made myself a note to pay off my account within the three-month period- I tried to pay it off on-line. It would not allow me to do it. It kept saying I had to pay a much higher amount. I called them and was on-hold for an hour. I was finally able to get someone on the phone and she told me I was 4 days over my ability to pay off my account for {$1500.00}. They said my payoff was a little over {$2000.00}. The representative said that they sent me a notification 10 days prior to the cash price payment expiration date. I checked my email and spam. I did not receive anything. I did not receive any mail. I asked if they would make an exception for the 4 days and allow me to pay off my refrigerator. She said there were no exceptions. I explained that this would be a hardship for me to pay over {$2000.00} in finance fees on top of the purchase price of XXXX. In just 12 months. When she said no, they would not make an exception, I told her I wanted to return my merchandise. I could buy a new refrigerator for less than the payoff price they were asking. They did not come and pick up my refrigerator. I sent them an email asking them if they were going to do that and what was the process. I have made several calls and sent 4 emails. I had gotten a response a few days ago telling me I had to call to have it picked up. They are clearly giving me the runaround. They also said I must pay the {$900.00} that they are owed before they will pick it up now. I need help. I dont understand what I have gotten myself into

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please someone help me! Approximately 6 months ago I was advised to apply for an SBA loan which my family friend did on my behalf. I did not fully appreciate what it meant and should have never received the money. Ever since then I have called TD Bank dozens of times to give the money back and restore my account. For the last 6 months Ive called dozens of times to the SBA and TD Bank and no one can solve this for me or provide a competent answer. Months ago they said they were going to give the money back so I can live on with my life. TD Bank froze my account and somehow has flagged me and now I cant open an account anywhere else. Ive applied to open accounts at other Banks like XXXX and have been denied. I just want to give the money back and be able to live my life. I am XXXX, single mother, and a XXXX  and I am just trying to make ends meet. TD Bank is taking advantage of me in the fact that Im a minority and they are being unfair and very deceptive this should have been solved months ago. And now with the second stimulus, my friends have received it and I have no idea how or if I am able to get it and I need the money to put food on the table for my kids. I just dont know what else to do other than go to the Media or the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have account with Gemini is a crypto exchange company. They transferred money from my checking account without my authorization. and I can not access my account, I send them a lot of messages without results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: NH
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:
I am subscribed to many services that offer your credit scores and a breakdown of your credit reporting ; such as XXXX XXXX ; XXXX ; etc. The reports that are shown on those sites offer " Vantage Scores '' and " Fico Scores ''. On XXXX ; for example my " XXXX XXXX '' shows a score of XXXX. On XXXX XXXX and XXXX, I show a " Fico Score '' of XXXX for both Equifax and XXXX. The reports show that I have never missed a single payment ; I have credit history over seven years ( which apparently isn't good enough for the consumer credit bureaus ) ; and many accounts ( of which are student loans and apparently reflect negatively on your credit report, which is unfair and bogus ). 

Both of these scores are consistent and have been consistent over the past year. Just recently I had a " hard inquiry '' performed in order to see what I could afford if I sold my house and purchased a new one. My mortgage lender told me my score was XXXX, but was also very confused as to why it was so low, given my history. This score was the same for both Equifax and XXXX. I explained to him that I regularly check my report and scores and both are in the mid 700s. He explained that that question gets brought up a lot - and he isn't quite sure why there is a discrepancy in the information displayed to consumers as opposed to lenders. I've worked hard to build the credit I have and I find it misleading ; in poor taste ; and incredibly deceptive that these companies will display a higher score to consumers - but when inquiries are done, a different score is shown. I received the Credit Score report back from my mortgage lender and it sure enough showed a XXXX score from XXXX, with a bunch of derogatory things such as " too many consumer lending accounts ( student loans? Excuse me they are not too many consumer lending accounts ) '' ; or " length of established credit too short '' ( Seven years? ). I find this deceptive and frankly disgusting that you would display false information, or contradictory information to consumers, or to lenders, just to abide by whatever laws may have been published. I want this fixed, or I want an explanation as to why my credit score shows me XXXX through XXXX and XXXX XXXX ; but XXXX to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CURO Intermediate Holdings
State: TX
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 have contacted this company, Avio Credit, to submit to the credit bureau that the hard inquiry was a result of identity theft. They said they submitted to XXXX  and for me to give it 45 days. I did and it still wasn't removed so I contacted Avio Credit AGAIN and they said they will submit a 2nd time and for me to give it 45 days. That was 2 months ago and nothing has changed. 

My identity was stolen and 1 of the companies that this occurred with was Avio Credit , Inc . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of Avio Credit prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: DC
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:
XX/XX/2019 Eqifax Mortgage Sol Unauthorized, do now know who this is. 


XX/XX/2019 Eqifax Mortgage Ser Unauthorized, do now know who this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

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 2023-09-22
Company: Nelnet, Inc.
State: NY
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:
When I first applied for consolidation I considered Income Driven Repayment, however, I already pay a large amount of private loans monthly, and once I got my log in to nelnet, I applied for standard payments as they were lower and their offer for XXXX plus my private loans totaled XXXX a month. It adjusted my payment to about XXXX a month. I log in now, and I see two XXXX loans I dont recognize and are nowhere to be found on XXXX  gov. And my payments went back onto XXXX  and now being close to XXXX a month. Then I go back to reapply online for standard and now the monthly payments offered are close to XXXX a month. Nobody picks up the phone for HOURS over DAYS of calling and when I finally get a response Im told I need to be transferred and the call is disconnected again. Why are my payment amounts changing? What are these XXXX dollar loans I dont see on studentaid.gov??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address on this account is incorrect and I have been unable to get it removed due to it being reported from this account. I have never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took advantage of a 0 % interest offer for 12 months from Barclays XXXX XXXX credit card with a 3 % fee for the balance transfer. I transferred {$12000.00} dollars to the Barclays card on XX/XX/2022 understanding that there would be a {$360.00} fee for the transfer. 

My rationale for this balance transfer was to put money on a 0 % interest compared to the 11 % interest I was paying. My intent was to pay this 0 % transfer off within the XXXX year allowed at 0 %. 

My first statement came in the mail from Barclays and it included interest charges in addition to the transfer fee. I called Barclays and they required me to write a letter to their Card Services explaining my situation. I wrote them got a letter from Barclays dated XX/XX/2022 denying my request for no interest. I called them a few more times after this date, again with no success. 

I paid Barclays {$12000.00} on XX/XX/2022. I informed them that I do not owe any interest or late fees, and that they would not get another dime from me. I paid what I owed way sooner than I ever intended because of their overcharging. 

I made a few more phone calls, and Barclays made me an offer to pay this card off at a reduced rate. All the charges that they accumulated we interest charges and late fees. I do not owe them a dime. 

My credit score has dropped significantly because of Barclays actions and they keep adding interest and late fees every month to a fabrication of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: U.S. BANCORP
State: IL
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 was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my U.S. Bank mortgage was current. I was not required to make any payments during the forbearance period. 

On XX/XX/XXXX, I submitted a completed loss mitigation application. 

On XX/XX/XXXX, my XXXX credit score was XXXX. 

On XX/XX/XXXX, I received a certified letter from U.S. Bank regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, U.S. Bank must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. 

Approximately on or about XX/XX/XXXX, I received notification that U.S. Bank reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. 

In XX/XX/XXXX, I requested a credit correction from U.S. Bank asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, XXXX, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. 

On XX/XX/XXXX, I received a letter from U.S. Banks Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by U.S. Bank to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. 

Based on the facts U.S. Banks determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. U.S. Bank can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. U.S. Bank also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.

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 2023-09-22
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capital, a collection company for XXXX put a mark on my credit for an account I never opened. It was opened by a lady named XXXX XXXX in my name. They threatened to have me sued if I did not settle what I owed. So I accepted a letter settlement pay off of {$150.00} dollars and paid online. The company did not remove the collection after telling me they would. They were informed this account was fraudulent and said it would be closed. I do have proof that I paid the {$150.00} dollar settlement to them. I dispute it on my credit report with no luck. I am locked out of my online account and they will not contact me to settle this. I feel intimidated and scammed out of my money. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In the past week, Equifax, XXXX, and XXXX have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score. 

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.

Company response to consumer: Closed with explanation