BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I currently have XXXX XXXX XXXX as my cell phone provider. I have had them for almost 3 years, prior to that I had them for 4 years, with a separation of service from XX/XX/XXXX to XX/XX/XXXX. There is a debt collection for {$95.00} on my credit report. There was never a debt owed to XXXX XXXX XXXX. I have disputed this collection last year with a different collection agency with documentation that there was no debt to be collected. This was on my XXXX XXXX credit report. Now it is on my XXXX  Credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: SYNCHRONY FINANCIAL
State: MI
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:
On XX/XX/2022, I started a phone application wi5h Care Credit. After I was transferred to a live agent I decided to cancel the application. 

Later that night I was looking into my finances and checked my credit score. While reviewing this I found that Care Credit had submitted two inquiries into my credit. At first I wasnt concerned thinking one was soft, early in the phone call and the second was a hard inquiry. In looking further, I found that both were hard inquiries. I did not think to get a screenshot of this. 

I called the credit bureau listed and was told I had to talk directly with the company from which I applied to. 

The next day I called Care Credit XXXX Synchrony Bank. I had multiple phone calls with them. They told me : *I needed to talk with the credit bureau agency. 
*They only made one inquiry *Refused to investigate further. I suggested they contact their IT department, because if Im seeing two hard inquiries and they only see one, there is a problem somewhere. She refused, saying something like there was no problem with their system. I also pointed out this could be happening to others. She did not help. 

Today, XX/XX/2022, I received a letter from Synchrony Bank stating my credit application was not approved as based on the results of the credit checks, they were unable to confirm my identity. There was no mention that I cancelled the request. 

The reverse side of the letter states, Requests for a copy of your credit report should be sent to the credit reporting agency on the reverse side. If no agency is listed, a credit report was not utilized in making this decision. I have several issues : XXXX. There was no decision to be made as I cancelled the application. 
XXXX. There was no credit reporting agency listed, but they admitted on the phone they had made one inquiry. 
3. Im unable to obtain the free copy of my credit report as the agency name was not listed. 

I just checked and my credit score has dropped by XXXX points, and the only thing noted was the increased inquiries reported. This is the first time I, ve checked it and it has been under XXXX. It is usually around XXXX or higher. 

At the very least Id like to file a report with XXXX explaining this situation to any creditor concerned about my credit I will be avoiding applying for credit from Synchrony Bank, even though they back so many store cards. Im also not using any credit cards I have with them, 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 2022-10-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a XXXX balance on XX/XX/XXXX XX/XX/XXXX - Minus XXXX XX/XX/XXXX - Then charged for an overdraft fee ( put me in negative even though I should have had a positive balance of XXXX Then XXXX charge XXXX balance Charged another overdraft Refunded overdraft Balance should still be XXXX Charge of XXXX Balance should be XXXX Then charged another overdraft ( even though balance was in the positive. 
XX/XX/XXXX balance should be XXXX The pending charges that the bank charged overdraft fees on XX/XX/XXXX, one of the overdraft charges didnt post until XX/XX/XXXX which I had transferred money to help with the balance. So on XX/XX/XXXX, I transferred another {$30.00} which posted to my balance then the first pending charge of {$7.00} went through. So again I was in the positive nulling out the 1st overdraft fee charged on XX/XX/XXXX. Making my balance at {$26.00}. Then the 2nd overdraft fee charged on XX/XX/XXXX which also was nullified due to a positive balance for a charge of {$25.00} posted on XX/XX/XXXX. So my true ending balance would have been {$1.00}. I have a copy of the account and the charges. There shouldnt be an overdraft charge on a pending charge that posted 1 and 2 days in the future affecting my daily balance. I requested the XXXX overnight charges to be refunded due to a positive daily balance minus their future overdraft pending charges that posted 1 and 2 days later in which I still had a positive balance.

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 2022-11-07
Company: Medical Data Systems, 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:
MEDICAL DATA SYSTEMS INC OPENED XX/XX/2021 AMOUNT {$190.00} I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any itemized bill, I am asking for contracted with my signature that stated I have done business with this company.

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 2023-08-09
Company: EQUIFAX, INC.
State: GA
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. 


Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: TX
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, XXXX  XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a notice of late payment on my credit report from Nelnet. When going in to details on why I have not received my statements it was because they had a wrong address on file as to why I could not receiving statement. I contacted Nelnet n XX/XX/2018 thru CEO XXXX XXXX no response from him and Customer Service Solutions asking for my credit report and then nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the XXXX ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-10-15
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: CA
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:
THE PAYMENT HISTORY FOR THE FOLLOWING ACCOUNTS ARE INCORRECT : XXXX. XXXX XXXX XXXX / XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was passed in 1970 by the U.S. Congress to promote accuracy, fairness, and the privacy of personal information found in credit reports. Also, 15 U.S.C 1681 section 602 States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home at XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/2021 and put 20 % down. I have no PMI, and want my escrow deleted. I was told I had to wait two years. I requested twice to have the escrow removed. I was told I did not meet the requirement, yet, was not told what was the criteria. I would like to delete the escrow. I believe the company is making money off the escrow and that is why they do not want to remove it from the mortgage. I have the means to pay the escrow on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was a victim a scam who forced me to buy four ( 4 ) Gift Cards in the amount of {$500.00} each, fortunately the scam did not work therefore I'm trying to get my money back but, the two companies who are governed by the same financial services I have the cards in my possession and the purchase tickets although I comply with their demands the results are futile, they have going and circles and no answers and no results either. The companies in question are XXXX ; distributed and serviced by inComm Financial services inc ; the other two cards are issued by XXXX, XXXX. both cards are serviced by the same institution inCommFinancial services, both has the VISA Logo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a Federal direct consolidation loan serviced by Nelnet with account number XXXX. On XX/XX/2020 I received a letter from Nelnet updating me as to Nelnet implementing the CARES Act requirements regarding the reduction of Federal loans such as mine to 0 % and the forbearance of such payments. 

The balance on my account yesterday, XX/XX/2020, was {$190000.00} and today, XX/XX/2020, it is {$190000.00}, representing the normal accumulation of interest on my loan ( {$29.00} 1-day difference ) as if the CARES Act 0 % interest cap was not applied. They have appropriately implemented the payment forbearance, with my monthly payment auto-debit showing on my account now as being 6-months in the future, making me concerned therefore why the 0 % interest cap has not also been implemented on the loan. 

This is illegal interest and I request Nelnet immediately halt the interest accumulation and retroactively apply interest credit to cancel the interest that has accumulated on my loan since XX/XX/XXXX in accordance with U.S. law. I have messaged their customer service several times over the past month regarding timeline as to when they will be implementing said interest reduction and they are unresponsive and which is why now I am seeking the CFPB as an intermediary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XXXX XXXX, XXXX, I applied online to BMO Alto for a 12 mo cd with JOINT OWNERSHIP. It was crucial to make this joint since the amount we were funding exceeded the {$250000.00} FDIC limit. The application process asked me for the funding amount ( {$360000.00} ) and institution ( XXXX  XXXX checking account ) which I provided. I gave them both joint owners names, social security numbers and other relevant data. 

On the same day, XXXX XXXX  I was emailed a welcome letter. 
XXXX XXXX  I was emailed an External account added to BMO Alto indicating the addition of my XXXX XXXX external account was successful. 
XXXX XXXX  I received an email titled Your BMO account ownership status saying we regret to inform you that were unable to honor your request to add XXXX XXXX to your account. This is to let you know that your account will remain in your name only. 
XXXX XXXX  my husband received an email titled Your BMO Alto application has been declined. This email just stated that his account application has been declined and there was NO REASON GIVEN. 

The next morning ( XXXX XXXX, XXXX ) at XXXX XXXX  I called BMO Alto at ( XXXX ) XXXX. I explained to the representative that since I opened and joint cd account and the joint owner was rejected I should get my investment returned. I was told that even though I applied for a joint ownership cd, since the joint owner was declined it automatically opened as a single owner. Furthermore if I wanted to cancel and get my money back I would be penalized for fees amounting to roughly 6 months of interest. He stated that if I added my husband as a beneficiary it would add an additional {$250000.00} FDIC insurance. We were skeptical however added my husband as a beneficiary since we felt we had no other option. The representative assured us we would be completely covered by FDIC and referred us to the FDIC EDIE system, provided us the banks certificate number ( XXXX ) and location ( XXXX, IL ). This information proved false as well. We learned that we had {$110000.00} not insured after adding a beneficiary. 

Our complaint is threefold. 1 ) We applied as a joint owner. If BMO Alto could not satisfy this request they should have informed us and given us an option to cancel without penalty. 2 ) My husband was declined as a joint owner and BMO Alto did not provide us with a reason for this rejection. 3 ) We were told that the addition of my husband as a beneficiary would increase the FDIC insured amount. This proved to be false. 

Thank you,

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 2019-10-11
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi Discover, I am a new to bank customer and proud to be! However, I have come to a road block and I need help. I was advised by your customer service reps ( please review the calls made on XX/XX/19, apologies for the raising of my voice ) that Discover Bank does NOT send alerts for suspicious activities or alert the customer for holds on purchases. I was baffled by this and could not believe what I was hearing! 

Your reps advised Discover will NOT alert the customer in any fashion of a hold or suspicious alert on the account, rather the customer ( me ) will find out in the middle of a transaction say purchasing groceries. I did research on Discovers website and found this : Dedicated Fraud Specialists -Our Fraud Unit proactively monitors your account for any unusual activity. If we see anything unusual we'll place a hold on those transactions and alert you right away ; Proactive Fraud Monitoring-Your account is monitored for potential fraud and we will alert you if we see anything unusual. If you do have fraud on your account, a fraud specialist will work with you until your issue is resolved. https : //www.discover.comXXXX XXXX : I purchased a gift card from an online retailer XXXX, which provides gift cards from various business at a discounted price ( XXXX XXXX XXXX ). I purchased 2 gift  cards for {$16.00} each, I found out the purchase did not go through from the merchant right before I left work, I submitted another purchase and called Discover and spoke with a woman and advised me of discover not notifying its customer of this. Please see attached screen shots

Company response to consumer: Closed with explanation