BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
In XXXX I filed for bankruptcy.In Early XX/XX/XXXX, I disputed the bankruptcy on all credit reports to have it removed because of the 10 year is over.XXXX  sent me the results from the dispute confirmation # XXXX stating " The disputed item is not currently reporting on the XXXX  credit file.Public Record : Bankruptcy '' .On XX/XX/XXXX, I received a personal loan offer via US Mail from Citizens Bank loan offer up to 50,000.00.On XX/XX/XXXX, I applied online for the Citizens Bank offer for XXXX, pulling a soft credit pull.After applying online, I was denied approval.Minutes later, I received a Quote decision via email stating " you did not meet minimum credit score '' .The quote Decision listed my credit score at XXXX.I decided to call the number listed on the Citizens bank quote Decision and spoke to XXXX XXXX XXXX ) at XXXX on XXXX.She asked for my SSN number to look up information.XXXX  stated to me that my credit score is XXXX and to be considered for a loan, it should be at least 700 or more.I also asked XXXX, what does the Derogatory public record or collection mean.XXXX  stated it generally means bankruptcy.After that conversation, I logged onto XXXX  at XXXX.As soon as I logged on, the first page shows credit score of XXXX ( good ) and was updated on XXXX.After looking at that page, I clicked on to public records and it still shows Bankruptcy.Because of XXXX not removing the Bankruptcy, I was denied credit/loan.Also, Because of the difference in credit scores, I was denied credit/loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-30
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX  the IRS sent my refund to Cash AppXXXX XXXX  XXXX When the funds never arrived to my account I contacted the IRS on XX/XX/2023 and the initiated a trace after I reached out to Cash App multiple times to have this resolved and all they do is give generic responses that do not help. My tax preparer left the last 4 numbers off of my account number so as to where this money is and why it has not been sent back to the IRS is the mystery. And the fact no one from cash app is able to help is concerning because of the IRS sending out something to them and no one is responding. I need the money returned to the IRS so they can send me out a paper check. After speaking to IRS today XX/XX/2023 and being told they still have not heard a response from cash app and the money still has not been returned and speaking to cash app yet again with no help, I am now wanting to escalate this issue. The IRS sent my refund in the amount of XXXX to cash app on XX/XX/XXXX  and although the account number was missing digits, me and the IRS have made contact to get the funds back and still no money has been returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Potential fraud committed on my debit card. Told fraud team about issue and they stopped payment. I was told to go to a local branch and get a replacement debit on the same day. 

When I went to the local branch in XXXX XXXX  they were having " system errors '' all over the bank and were unable to issue me a card. They told me they would call me when the card was ready. 

They never called me. 

I went in after XXXX business days to check on the " system errors '' and my card was ready. The local branch failed to call me. 

Then, on Tuesday XX/XX/XXXX, I received XXXX replacement cards in the mail telling me to activate each card. 

I went to the local branch to complain and they offered no help. I told them I was concerned that the issuance of these many cards without activation would cause them to freeze my account. They offered no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: U.S. BANCORP
State: VA
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:
In XX/XX/2020, submitted billing dispute regarding a charge still showing for services cancelled and refund not yet obtained from merchant ( XXXX XXXX ). Company required I submit additional information which was sent back in late XX/XX/2020. Shortly thereafter, I received notice that the dispute was closed despite my sending the requested info and calling multiple times. After much complaining, Company ( US Bank ) re-opened the dispute in early XX/XX/2020. In late XX/XX/2020, I received a letter with documentation from the merchant that indicated my dispute was not valid and the charge would remain. I followed up with the Company, via letter on XX/XX/2020, advising that the documentation submitted by merchant was invalid as it was for an incorrect ticket number ( in other words, the Company submitted dispute to merchant ( XXXX XXXX ) for the incorrect ticket number ). The details of this were laid out in my letter of XX/XX/2020, further advising that if the charge remained valid on my account, that a complaint would be filed with CFPB, which is this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago. 


I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!

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 2023-05-30
Company: Atlanticus Services Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been back and forth with XXXX  XXXX in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I have ask the investigation be properly conducted several times. XXXX owns the XXXX XXXX. The first letter I upload was the letter I received from XXXX stating my account was closed with no balance. The top letter and the XXXX XXXX is the same information, The have falsely reported I filed bankruptcy. The company also false reported a derogatory mark XX/XX/2021. I do not have this card I have not had the card since XXXX when they closed my account have I paid it off. The card number was XXXX. Experian never contacted XXXX during the investigation. Just closed my request for investigation. Sending me to a to a site experian.com/upload that does not accept the documents with case number. I was told to mail to their address. I received an alert today where they close the case less than 30 days. 

Attached documents 1. I have attached the letter from XXXX 2. My list of creditors I include on my bankruptcy excluding XXXX XXXX XXXX caredit card 3. Discharged documents

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 2021-03-30
Company: Securus J Holdings, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I attempted to purchase " stamps '' from JPay to communicate via email to people XXXX  in Virginia 's XXXX XXXX XXXX. The " stamps '' ( {$4.00} ) were instead credited to my account to communicate with people in XXXX XXXX XXXX  XXXX XXXX. XXXX 's system does not allow a person to buy stamps and use them across states. So their system is set up to permit you to only purchase stamps for one state at a time. On XX/XX/XXXX, I purchased stamps for XXXX XXXX XXXX but instead they were credited to XXXX XXXX XXXX. I emailed JPay on XX/XX/2021 to tell them of the problem. I never heard back. On XX/XX/XXXX, I tried to buy stamps again ( {$4.00} again ), assuming there had just been a glitch in the system on XX/XX/XXXX. However, the same exact problem happened again. I was purchasing stamps to communicate with people XXXX  at XXXX XXXX XXXX but the stamps were again credited to XXXX XXXX XXXX. I emailed them ( support@jpay.com ) the same day and told them of the problem. They still haven't replied. 

They are not providing the 24/7 support they claim to provide. It is not fair to people who want to communicate with loved ones in prisons to be taking our money. JPay charges us a LOT of money to communicate with people who are incarcerated ( I'll note that these prices vary depending on the state, which alone seems unjust and cruel ). But to then not even allow us to use the stamps we buy is outright wrong. Beyond that, JPay advertises that {$4.00} will get you 11 letters. But that's incorrect advertising. In fact, you have to use one stamp for each PAGE, and you can not combine photos to text. For example, if you want to send a note with two photos of your children, that costs three stamps, which is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Avant Holding Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been back and forth with XXXX  XXXX  in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Starting on XX/XX/XXXX, my purse was stolen along will all my bank account information ( checks, credit cards for me and my husband 's wallet, and bank cards ) when I reported the fraud I was not told that I should have closed all the accounts and that by shutting down the cards was what I needed to do. So as the fraud charges were coming in I was reporting them as new fraud instead of part of the initial fraus case. Then I spoke to a supervisor who called me regarding all the open cases, and she said that I was misinformed and should have closed the accounts. When I opened the new account it was only one of them, because I get direct deposit we left it opened so the fraud credits would be returned and my direct deposit was going to be redirected to the new one. However, the old account was going to be left open so everything would be resolved and if something happened and I owed money I would be able to pay when I got my big check in XX/XX/XXXX on or before XX/XX/XXXX. Somehow the acct got closed and sent to collections. On XX/XX/XXXX Chase transferred {$130.00} or {$130.00} to the closed acct without notifying me and besides that there was already a verbal agreement for payment should there be one needed. Now today I went to transfer money from my savings account which had XXXX in it to my acct ending XXXX which because XXXX   XXXX XXXX took {$150.00} instead of {$110.00}, making it overdrawn. I have not had a chance to call them yet. I have I guess now lost my accounts with chase ( today ) but must have the {$50.00} in the savings acct and the transfer that should have never taken place today. We live on a budget, Chase made these mistakes I should NOT have to pay for them!! 
You guys have treated me terribly since the start of this!! 
Contact me immediately please XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
MCM or midland credit management has now called me back to back within 2 seconds of each other 2 days in a row. Both times i answered they asked for myself and the call ended. At this point i am feeling harassed and i believe this is a violation considering both times i answered my phone and they asked for myself. This is also not including the other days that they called me this week. I am going through a hardship currently and this is just adding more and more stress with the back to back calls harassing me which is adding more stress. I attached all calls that i have gotten from Saturday XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wrote a letter for Debt validation never received the validation, Once I started disputing it the account went from Open to closed with a balance Im not sure if I even owe this debt or if they are authorized to be collecting this debt, I contacted the original creditor they couldnt find my name in there system to say I even owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander consumer USA has been charging me a lot of interest, almost 70 % of my XXXX-XXXX  payments goes directly to interest. I got the car in 2014 and have been paying XXXX for 6 years and still owe them {$7000.00} dlls when the car price was XXXX dollars at 18 % interest rate, thats too high. I already paid 72 monthly payments of approximately {$380.00} dlls, that makes {$27.00}, XXXX dollars, and still owe them {$7.00} XXXX. Thats way too much, I didnt buy a luxury car to pay that much money. Please check this fraudulent company, theyre taking advantage of hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 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 2023-03-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
No reply from credit bureaus they sent me a generic reply. Nothing with my signature nothing showing I legally owe this debt. Theres 15 accounts that are showing closed thats over 10 years and still showing on my reports. See attached of student loans still showing on my report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

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 2022-05-16
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX GM Financial repossessed my XXXX XXXX XXXX after it was paid off in Bankruptcy. After the Bankruptcy was dismissed in XXXX we received final balance of XXXX owed on the vehicle. We have never received any correspondence from GM stating that we owe any additional monies on this vehicle. After 3 years they send a repossession order to a company located in XXXX, Georgia to come at XXXX XXXX   to take our car Illegally. After speaking with a representative XXXX, at GM, he stated that we still owed XXXX on the vehicle because the Bankruptcy was not dismissed they went back and assessed all of the finance charges! At the start of the bankruptcy, GM stated that we owed XXXX when tge Bankruptcy was dismissed, we had paid XXXX fir the vehicle. We owed the US Bankruptcy Court XXXX and we owed the creditor XXXX.

Company response to consumer: Closed with explanation