BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am in violation by equifax XXXX and XXXX  by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm reaching out independently regarding an issue with my credit record. I've noticed late payments listed, and despite my efforts to address this with letters sent over a month ago, I've yet to receive a response or satisfactory validation. I would appreciate your support in rectifying this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: CONRAD CREDIT CORPORATION
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:
The definition of Scam is " a deceptive act or operation ''. Representatives at XXXX XXXX asked if we wanted to get rid of our Timeshare weeks and we did want to, so we spoke with them. We would not have spoken to them if buying another XXXX XXXX was ever mentioned. We were told our timeshare weeks would be off our hands in 2-4 weeks with an added benefit of a Vacation Club.. We paid a lot of money to have them take our weeks and after 6 months of back-and-forth phone calls and emails we had no result, I asked for a refund and was told no. They said that we bought a XXXX XXXX and not a Transfer from XXXX XXXX. Also, that the company is not responsible for anything that their representatives promise. My emails with the representative were very clear and more promises were made. I did not want another XXXX XXXX since I belong to XXXX and have another resort in XXXX. After staying for 7 days and went back to work XXXX  i found out that my contract ended, and I Immediately sent out an email letting them know that I would not be able to make monthly payments and to cancel my contract. I was told that I was 7 days late according to XXXX laws. I have been dealing with them for years and now being stuck with a bill for over XXXX and never used the place. I think this is wrong and the government should do something about this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Barclay Old Navy Card opened XXXX and closed XXXX without my knowledge or consent. It's affecting my credit score.

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 2018-02-12
Company: Financial Recovery Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a letter from Financial Recovery Services , Inc., XXXX. XXXX XXXX XXXX, MN XXXX XXXX The letter is claiming that they are collecting a debt for a company I never had debts with. They are claiming I owe {$4700.00}, and the original credit is XXXX. I've never heard of that bank in my life. They say in the letter if I even attempt to dispute the debt they will obtain a judgement against me. This is my first time hearing from Financial Recovery, and first time hearing of " my original creditor '' XXXX. I feat to communicate with this company effectively because they immedaitely threaten with a judgement prior to communicating. The letter is worded in a way that says I can file a dispute but the office of Financial Recovery Services will immediately file a judgement against me which is frighting. I am unsure that this debt it mine as I have never had any credit with whomever XXXX is. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
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:
On XX/XX/ I requested that Nelnet provide a refund of the payments I made during the pandemic forbearance. They agreed and said the reimbursement would be processed. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I made attempts to contact Nelnet via their customer service line. In addition, Ive attempted to use their contact form. As I recently moved from the XXXX I have had significant trouble getting ahold of someone. While on the phone, the automated machine asks that I supply my social security number, date of birth, and 5-digit post code. My post code is no longer 5 digits, as I live in the XXXX and it is a 6 character alphanumeric code. Because they were unable to verify my account, they noted it would take longer to connect me. After sitting on hold today for 2 hours, I was promptly disconnected. 

In XX/XX/, Nelnet reinstated the balance that I requested a refund for, indicating that they had refunded me. In total, I paid Nelnet over {$6000.00} during the pandemic, bringing my balance to {$20000.00}. After requesting a refund, my balance rose again to {$26.00}XXXX XXXX  Unfortunately, I have not received the check despite updating my mailing address to my XXXX residence, which they assured me was fine to receive a refund check. I would like assistance with either obtaining that check or understanding why Nelnet is fraudulently claiming that I owe XXXX XXXX when I should only owe XXXX XXXX  until they provide that reimbursement. 

Additionally, when requesting the refund in XXXX, I asked if the reimbursement could be refunded to the original payment method. They told me the department of treasury only issues reimbursements in the form of checks. I know this not to be true because my husband received a similar reimbursement from the department of treasury as a refund to the original payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-24
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have not purchased anything from XXXX in over 5+ years. Randomly in XXXX of XX/XX/2022, they started charging me {$2.00} every month in interest. I called and they refunded me these charges as they said it was in error. They continued billing me monthly. I disputed these charges with XXXX three times, which two were accepted and the last was not. I ended up paying the {$15.00} they said I owed in hopes to save my credit score and put an end to this, yet they are now at it again. They have reported on my credit report that I am late paying them, but however, I again don't owe them anything. My credit score is once again dropping because of this and it appears to be an ongoing issue as they are charging me again. My account with them ( CommenityBank/OVER ) is closed & it says so on my report. I have called - what is now XXXX XXXX, and don't get any sort of help or solutions. 

Note that XXXX is no longer their own company as they were bought by XXXX XXXX and XXXX. 

I have attached herewith the transaction/statements document for your reference. 

Thank you for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: FIRST MERCHANTS CORPORATION
State: OH
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 was told on XX/XX/XXXX that my personal checking account was over drawn and that a purchase came in from XXXX for {$12.00}. my account overdrew for {$8.00} and that was the balance on XX/XX/XXXX. I have not been using that account and it was positive. Iwas not aware they charge {$8.00} recurring charges daily. I think it's ridiculous. Now my account is negative {$80.00} because of this {$8.00}. I would like to close this account. The bank should have never paid it when the account did not have enough money. I had {$4.00} in my account at the time. I want them to remove the fees. They need to re do the policy about overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-04-12
Company: DISCOVER BANK
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX discover alerted me of unusual activity on my card as soon as I looked at my account and saw what was there I call my family to see who was using the card. At that time my sons discovered his wallet was stolen or missing. I immediately called discover to dispute they were friendly at first and reversed the charges. 30 days later and get a notice saying that since we didn't fill out forms there was no fraud and service rep told me the places were local you have been there before you are reasonable for the charges. I again said we received nothing nor any calls .she said she would reopen the investigation she said she did and wait 2 weeks for now forms ... i waited 3 weeks nothing I called back she didn't do anything the rep said and sent the forms when I got them I promptly sighed them and got police report incidents number as they requested. I waited 2 weeks later I called again oh yes we got your papers would you like to continue? I said of course why else would I have sent then. They have sent me a notice saying there done investigating and i am still response for these charges. this is after the police report saying the card was stolen. The following charges were not authorized by anyone on my account and discover can not sent me any proof showing me that these were done by anyone on my account. 
XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$84.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$51.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$28.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX  # XXXX XXXX FL in the amount of {$230.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$210.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: GA
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:
In XX/XX/XXXX, I received notification regarding garnishments for lack of student loan payments. In XX/XX/XXXX, I signed up for the XXXX XXXX Program through XXXX XXXX XXXX XXXX XXXX Maryland ( no longer in business ) and successfully made my required payments. In XXXX XXXX, my employer advised that garnishment would begin on XXXX XXXX, XXXX for failure to pay my student loan, although I was told that completing the XXXX program would prevent this from happening. As of XXXX, XXXX, my wages have been garnished ( bi-monthly ) however, I do not know who the payments are being made to and why my monthly payments through Nelnet are also being required? 

I have been consistently making daily attempts to contact Nelnet with no prevail. The wait times are extremely long two-hours or more and no results. I have filed a complaint through XXXX, and their response is that they have attempted to reach out however, there is no record of that from my end. 

As a XXXX XXXX  teacher in a public school I do not know what else to do as I am unable to endure both a wage garnishment and making monthly payments. 

Help is needed!! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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/XXXX I purchased a family vacation through XXXX on my Amex card for the amount on {$2200.00} In XXXX I paid the total amount of {$2200.00} via my XXXX XXXX account Due to Pandemic our trip was cancelled, and in XXXX of XXXX I reached out to Amex to get refund on trip. 

I was given a credit of {$2000.00} ( not full amount paid ). I did not complain because I had no intentions of using the card. 

XX/XX/XXXX Refund came in for XXXX XXXX XXXX, and XXXX XXXX, and my account was refunded {$1400.00} ( not full amount. This should have been {$1500.00} ). Once again I did not complain, because I knew process was not done. 

XXXX XXXX did not refund me the {$690.00}, but instead issue me a travel credit to use on future flight. 

After several attempts to get a refund with no success, I just agree to cancel disputes and accept the credit. 

However, upon doing so I was refilled in the process for 3 of these flights. 3 Flights for the total of {$410.00} ( each flight was {$130.00} ). I have reached out to Amex over a dozen times to inform them they are rebelling me for something that has already been paid for. 

I purposely did not make any charges over {$50.00} my Amex card during this time to keep things simple. I made all those payments on time, and have made no other purchases. 

I reached out to all Merchants involved, and everything leads back to Amex. XXXX stated Amex never acknowledged the Hotel Refund they sent back for {$410.00}. Also Amex representative I spoke with on XX/XX/XXXX stated she did not see a credit on the account for the 3 charges. Even though system say it was given. 

I do believe they are trying to fraud me of my money and I need help. I have all my receipts to prove this trip was paid in full a year ago, Amex isnt trying to own their mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was robbed in XXXX XXXX while there on business XXXX. It was roughly between XXXXXXXX XXXX near and upon returning to my hotel I was accosted by 2-3 robbers. My cell phone was stolen along with my debit card. Cell phone had all e-wallet access passwords etc. Between XXXX and XXXX as shown on the timeline attached I could not be at all the places at o e time. I had money XXXX, credit applications filled out, ATM transactions and gas station purchases at various points in the city. All was returned by Chase insurance accept two {$500.00} ATM withdrawals and a {$43.00} ATM withdrawal. Chase acknowledged some of the transactions prior to XXXX as fraud but not the later ones between XXXX. One robbery incident required 4 claim account numbers and one department was not communicating to the other department. The operator made a mistake and reported my card initially as lost and not stolen so they started to question what I was robbed at all. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I was given a preapproval for a home based on my income and qualifications being advised even though there was a gap with XXXX and income and funds needed that I would be fine at time of close not to worry. I put almost $ XXXX XX/XX/XXXX non-refundable earnest on a new build to later not qualify. Im the lenders info it advised that due to the loan being fha my earnest was full refundable. However the builder refuses to refund my funds. I advised builder/lender several times throughout the process that my income had decreased substantially and I would no longer qualify. This was early in on the process. And another buyer could have been established, as the home took a year and XXXX to build and didnt sell until XX/XX/XXXX. I considered getting a co-signer. Around the time I was required to fully qualify XX/XX/XXXX again I was diagnosed with a severe medical concern and I considered to be at default.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I sold my handbag to XXXX XXXX XXXX XXXX. They sent the payment in the amount of {$3200.00} to my PayPal account. My PayPal email address is XXXX. Ive spoken to PayPal on XX/XX/2023 14 times. Ive sent copies of my identification cards and called my banks on three way. They advised me that my XXXX XXXX XXXX XXXX  is rejected their payment. I called XXXX XXXX  and they said no such thing. Then PayPal advised me that my XXXX XXXX XXXX  is rejecting the transfer. I called XXXX XXXX and they said they dont have a record of an attempt or a transfer from PayPal . PayPal keeps making excuses and error messages to hold my funds in the amount of {$3200.00}. Ive answered security questions correctly, identified information on my credit report, forwarded photo copies of my identification cards and did account verification via secure links.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: SYNCHRONY FINANCIAL
State: ND
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: Problem with personal statement of dispute

Complaint:
I am trying to apply for a loan, to a XXXX. In order to fix my XXXX I am on XXXX and can't afford to pay out of pocket for my services on my XXXX And Credit Care runs a report on my credit, right from my XXXX  and denies me right away! 

How can I get my XXXX fixed? Since I only have Medicaid, and it doesn't cover my services. And the Credit Care or other Financial companies they use? To run my credit history? Denies me every time!

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 2020-08-07
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:
CONTACTED CREDIT REPORTING AGENCY ABOUT INCORRECT ITEMS REPORTED ON MY REPORT AND CREDIT AGENCY INFORMS ME THAT ACCOUNT WERE REAL AND VERIFY WITHOUT PROVIDING ANY PROOF OF HOW THEY CAME UP WITH THIS CONCLUSION

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