BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2022-07-27
Company: Payfare International Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I currently work XXXX XXXX XXXX XXXX XXXX XXXX and they have available a prepaid debit card XXXX XXXX XXXXXXXX XXXX XXXX which is operated by Payfare. On XX/XX/XXXX my debit card was charged {$86.00} by a company called XXXX but this charge was not familiar to me and I had never heard of XXXX. I immediately contacted XXXX XXXX customer service to report my card lost/stolen and ordered a new card. I was instructed by customer service to attempt to resolve the charge dispute with the merchant ( XXXX ) first so I did call them and spoke to a rep for about 30 minutes and found out that not only was I charged {$86.00} on XX/XX/XXXX, but I was previously charged {$110.00} on XX/XX/XXXX but never noticed the fraudulent charge to my debit card. After speaking to the XXXX rep we found that the charges came from the payment of a smartphone ( XXXX ) and service payment for a family member that had previously visited my residence during that time period. So obviously this family member obtained my debit card information without my consent and used it to purchase the smartphone. What they did with it I don't know. But XXXX said that they could not refund my money and that I need to file a dispute with my card company. So I contacted XXXX XXXX again with a completed dispute form and screenshot of my call log to prove that I contacted XXXX. After submitting this information via email a representative sent a reply stating " your claim does not qualify for a refund as the transaction ( s ) does not fall within the Zero Liability Protections outlined in the cardholder agreement, which can be found in your app under Legal from the main menu of the XXXX mobile app. '' After reading XXXX that same part of the cardholder agreement, it clearly states that zero liability applies when someone transfers money from my account without my permission. They told me, Zero Liability coverage does not apply where you do not use reasonable care in protecting your card from loss or provide access to your card to another individual. Although the person responsible is a relative I used the same amount of protection that I would use in public. I don't leave my card out in the open, it's in my wallet inside my desk drawer that's located in my study where only I am allowed. I will include a screenshot of the cardholder agreement section that they are trying to twist around in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 non-monetary relief
Consumer complaint received 2021-03-31
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX I sent in the paperwork to have my employment certified as an eligible employer for the XXXX. On XXXX XXXX, XXXX Fedloan sent me a letter saying they could not certify my employment since my employer had not listed my start date in section 3. They stated my employer needed to call Fedloan and provide the missing information. My employer, specifically our district clerk XXXX XXXX, called and spoke to Fedloan. On XX/XX/XXXX they sent me a letter totaling the payments that I had made that would count towards XXXX. This letter did not count the most recent year on any of my loans. It just stated the number of payments I had previously made. It did not add any payments for the loans they had acquired after I consolidated my other loans. I did not change jobs so there should have been no reason to not certify the new year 's employment. On XX/XX/XXXX they sent me a letter saying they needed additional time to determine if my employment qualified. On XX/XX/XXXX they once again sent me a letter totaling eligible payments, but still not adding the payments for the last year and not including any payments made on the loans they acquired after my consolidation a year earlier. 

I received no further communication from Fedloan so I resubmitted the form in XXXX of XXXX. Fedloan sent a letter on XXXX XXXX, XXXX saying they had the application but needed time to determine if my employment qualified. Again, I was and still am, employed buy a XXXX  school, XXXX XXXX  qualified. On the XXXX they sent me a letter saying they needed more time to determine if my employment qualified. I did not receive an answer after this so I sent the form in again in XXXX of XXXX. On XX/XX/XXXX they said we have your application. They were reviewing the application to determine if employment qualifies. Now, at the end of XXXX I still have not gotten the certification of employment, they have not communicated about the number of qualifying payments. When I called and asked what was the delay I was told " it's the government, it takes a while to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency 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 yeors.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXX XXXX  XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX  Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal 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 2022-12-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2022, I used XXXX reward points to purchase XXXX gift cards : {$50.00} XXXX, {$50.00} XXXX XXXX and {$250.00} XXXX. Within XXXX weeks, I received both {$50.00} gift cards, but never received the {$250.00} XXXX. My balance after using the reward points was XXXX. After not receiving the {$250.00} XXXX, I did another purchase for XXXX points on XX/XX/XXXX. As of today 's date, I have not received the {$250.00} gift card. I've spoken with several representatives ( including managers ) from Comenity/XXXX  Bank and provided them with copies of the order confirmation for the gift card purchase. I received a letter from Comenity on XX/XX/XXXX stating an investigation was being conducted which would take about 90 days. Why should I have to wait 90 days when I've provided everything needed for Comenity to issue me my purchased {$250.00} gift card. 

Your assistance in helping me to get my {$250.00} gift card will be greatly appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-06
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made my monthly payment of XXXX directly at PNC Bank on Friday XX/XX/XXXX. The payment was due on XX/XX/XXXX. I received another one of their " so called '' don't lose your home attempts to extort more money out of me than is due. This is the second time in eight months I have had to report this PNC Bank stupidity to your organization. You have always helped me. It looks like this misappropriated my payment to someone else account again. They refuse to account for the money I have paid in the form of statements. They are crooks and should be jailed rather than handling home mortgages and home owners loans. from here on out. Their lie they can't do this because of a bankruptcy from eight years ago is unexcuseable now. They are a crumby institution. 
I want an accounting of every XXXX I have paid them and a statement every SINGLE month -Yours Truly Second time in eight months. How stupid can they be. As for the publish request below. PLEASE DO! And thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 

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 XXXX 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 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 2020-08-04
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank : US Bank Reliacard Texas Unemployment Benefits XX/XX/2020 : The bank 's website rejected my password and forced me to re-set the password. 
I encounter consistent problems trying to log in to their website. 

XX/XX/2020 : Four attempts to use the card for purchases and a withdrawal of cash at an ATM card were declined. 

Their website has no forms to contact them, no email, no fax, no physical address, and no way at all to contact them except to call an XXXX number. 

That XXXX number repeatedly kicks me off the line, and when it does not kick me off it has wait times well over an hour and more. Have been unable to contact anybody from this bank. 

I am an old man, I need my money to pay rent and utilities.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXXXXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for a credit card from Capital One and the last page, which has the final submit or apply button, stated that the applicant would have the option of accepting or rejecting the credit offer. However, after selecting the submit or apply button, I was immediately informed that my application was accepted and an account opened. None of the terms were disclosed to me prior to the account being opened and I was never given the opportunity to reject the offer. Now I must choose between closing the account, or leaving it open and not using ; unsure which action will best serve my credit score/credit worthiness. 

The important points : 1 ) None of the terms were disclosed to me prior to the account being opened 2 ) and I was never given the opportunity to reject the offer 3 ) the company lied on the online application ( i.e., stating there was opportunity to accept or reject offer of credit after approval and terms were known )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

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 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
There are two issues in my account that I tried to address with Capital One but I was not able to due to being transferred to multiple departments in their call center. 

The first issue is that I requested a credit balance refund check for credit of XXXX on the account and I was told they are not able to send it because their is a restriction on the account, I mistakenly over paid on the Capital One bill and wanted to get a refund for my funds. 

The second issue is regarding a dispute ; XX/XX/XXXX - XXXX XXXX XXXX  TUITION - T Other ... - XXXX - {$11000.00} After I made the dispute and before the dispute was processed. The merchant issued a credit on XX/XX/XXXX XXXX XXXX XXXX  TUITION - T Other ... XXXX - {$8600.00}. So I called to cancel the dispute with Capital One but Capital One still credited my account XX/XX/XXXX PURCHASE ADJUSTMENT Other XXXX XXXX. ... XXXX {$11000.00} for this charge I asked to be canceled. On XX/XX/XXXX ADJ-XXXX XXXX XXXX TUITION - T Other XXXX XXXX. ... XXXX - {$8600.00}, Capital One made this adjustment to the account, they also sent me a letter stating that they canceled the dispute because the merchant issued credit. 
However the issue right now is that the merchant XXXX XXXX XXXX is telling me Capital One took {$11000.00} back although Capital One stated they canceled the dispute. The merchant asked me to get a letter from Capital One confirming that they canceled the dispute. That is what I am requesting at this point.

Company response to consumer: Closed with monetary relief