BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Incomm Holdings Inc.
State: TX
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:
XX/XX/XXXX : I opened the VanillaGift card for the first time. I went to VanillaGift.com to verify the card balance before using, the balance was XXXX so I then called the customer service number ( XXXX ) XXXX on the back of the card and a XXXX balance was stated again with a charge history of {$5.00} for which I took was the activation fee charged when purchased by Hype Roofing and Construction. After reviewing the cardholder instructions, it stated to Select any 4 digit PIN at first use. The card was given to me in XX/XX/XXXX by the Owner of XXXX XXXX and XXXX as a gift for installing a new roof. 

XX/XX/XXXX : My first attempt using the card was at XXXX in XXXX, TX where I tried my 4 digit PIN with no success. Called customer service found 30 charges @ {$5.00} each for XXXX XXXX had posted against the card in XX/XX/XXXX but I explained, I'd just opened the card on XX/XX/XXXX. 

XX/XX/XXXX : I filed Dispute, Case ID / XXXX and received email confirmation. Called XX/XX/XXXX and customer service says they have no record of Dispute, faxed same documents the same day. Called week of XX/XX/XXXX to verify status and was aked to call back on XX/XX/XXXX due to no status available. Called XX/XX/XXXX and was told to wait a few more days and call back. Vanilla Gift 's Dispute timeline for resolution is 90 days from the date of receipt. Original Date of Dispute was XX/XX/XXXX and 90 days from there, XX/XX/XXXX. Its now XX/XX/XXXX with No resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Venmo ( synchrony bank ) card has closed my account numerous times with no cause. The first time, I had to go to lengths to find someone in their corporate office that was willing to fix the account and admitted to an error. A year later, I set up my normal payment and realized the account number had changed on my checking account. I called to cancel and they still sent the payment through. Today I was alerted the account is closed, again. I called and was told because of the first issue ( when the account opened ) and the current mistake it's closed again. Problem is, it's on their side of things. Not 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2019-09-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have gone to the counter at the store and the clerk did not apply credit card payment and it was not applied to my balance ... I was then charged double interest on XX/XX/XXXX ... My credit rating was also harmed by the transaction ... My ongoing balance with Sams club credit card is off by about {$5000.00}.

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 2023-01-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First of all the complaint is against XXXX XXXX Bank the owners of my mortgage and the service companies we had to go thru like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and many more! From XXXX to XXXX have had to file bankruptcy XXXX  times over the years. And still in bankruptcy since XXXX until present and will not be done with XXXX  XXXX in XX/XX/XXXX. I have so much information and documents to prove that XXXX XXXX has lied, promised, charge fees, robo signed, cause my family to file bankruptcy XXXX  times and still in XXXX  XXXX currently, been harassed, had to sign incomplete documents requested by XXXX XXXX to complete a modification agreement and the fees were higher than agreed apond. XXXX XXXX sold our house at auction and we were in XXXX  XXXX the court had to reverse the sale and the buyer came to evict us while under Automatic stay protection. We had to file another XXXX  XXXX on top of our existing XXXX  XXXX due to attorneys being fired by the court and we had to hire another attorney .We have been fighting XXXX XXXX XXXX XXXX and had XXXX modification and tricked into signing document that they new we couldnt afford. I have documents for days regarding XXXX XXXX violations against us and the dealings with XXXX XXXX have caused me and my family emotional distress and health problems and finance hardship, embarrassment,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Kees to Success
State: MD
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
I initiated contact with XXXX XXXX in XXXX XXXX The individual in question operates as a provider of credit repair services and has amassed a substantial following on the social media platform XXXX. The XXXX account associated with the individual in question is identified as " Keestosuccess. '' Initially, I enrolled in her credit repair program, which required an initial payment of {$190.00}. The voidedcontract in question has been breached and paid in full. I reached out to both the individual in question and her assistant, XXXX XXXX, in order to notify them that despite utilizing the aforementioned service for a period of 30-60 days, my credit score remained unchanged. She strongly advocated for my purchase of a credit monitoring service in addition to her bi-weekly membership, in order to stay updated on my credit score. I repeatedly communicated to her that I possess accounts with all three prominent credit bureaus, therefore rendering the acquisition of an additional monitoring service less than optimal. I choose to enroll in the supplementary {$40.00} service for the initial three-month period. However, after completing the 90-day duration, I decided to discontinue the membership and proceeded to communicate my request for a refund to both individuals involved, citing the absence of any services delivered. 
Subsequently, it came to my attention that a colleague named XXXX XXXX encountered a similar occurrence, wherein she fell victim to a fraudulent scheme resulting in a loss of {$1500.00}, exclusive of any incurred late penalties. 
I have been subjected to a block and ban by XXXX XXXX, who has also failed to respond to any of my attempts to communicate via phone. I have filed a police report in light of my intention to initiate legal proceedings against both the individual in question and her mother, alleging fraudulent activities resulting in the deprivation of funds over {$1000.00}. This unfortunate incident has had significant adverse consequences for me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: JPMORGAN CHASE & CO.
State: CT
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:
I was charged {$150.00} for items I never received. I contacted the merchant numerous times since the date of the charge for updates on the shipping. Items were never shipped and the merchant has ceased responding to emails. I disputed the charge with Chase and sent Chase all of my email correspondence with the merchant to to show that I had been diligent in communicating with the merchant before resorting to a charge dispute. Chase refused to refund the charge because too much time had passed since the charge. I believe this was an intentional scam on the merchant 's part and have filed a complaint against the merchant as well. Chase is failing to offer decent consumer protection by refusing to refund my account. I believe their policy is ineffective at helping consumers recover money from scams and they are only helping perpetuate similar scams. Chase 's policy of allowing only a small window of time to pass before refusing a refund is built into the scammer 's model. The scammer continues to confirm that items will be shipped in order to make it past the dispute/refund window, effectively making Chase 's XXXX part of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A personal loan exceeding the usury rate with a rate of nearly 400 % per annum. I was expecting the loan to appear on my credit report so that I could increase my score by paying the loan off early but I don't think it was reported at all. Prior to waiting for the loan to be recorded, I called and asked if the company reported to major credit bureaus and was told yes, XXXX through some company called XXXX. It has been 24 hours, the repayment amount has increased by about {$20.00}. My loan number is XXXX. How do I go about ensuring that the company complies with the usury rate. It would not be such less of an insult if this company actually reported to a credit bureau, to show a good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was not informed or contacted by the collection agency Penn Credit Corporation until after the debt went into collections not was I notified by XXXX XXXX XXXX that the power remained on at my old apartment. I thought my ex girlfriend had turned it off but she had not. I was unaware of this until the debt went into collections on my credit report. I asked to have it removed from my credit report on goodwill being that I payed the debt off in full today on XXXX. I had to seek out and call Penn Credit Corporation to have this debt paid not once did they contact me otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recurrent perpetrator is XXXX XXXX, a.k.a. XXXX XXXX, whose latest scam is against current creditor, Jefferson Capital Systems for {$640.00}. XXXX XXXX continues to use her previous property address, but I bought her property in 2003. XXXX apparently continues to put down MY property address which results in my receiving HER creditors ' letters trying to collect HER debts. 

XXXX is not using my name. She is using my address for her credit card scams. Isn't this a form of identity theft? 

I have tried writing Jefferson Capital Systems ( as I had to all previous creditors looking for XXXX XXXX or XXXX XXXX ) that I am NOT XXXX, and that XXXX has no right to be using my property address as hers ( since 2003 ). 

How do I stop this XXXX from unlawfully using my property address in her credit card scams? I am tired of being accused of being XXXX and I am tired of receiving letters from creditors looking for XXXX who think she lives at my property. She does not and has not since 2003!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX INNOVATIVE RECOVERY INC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of identity theft reports XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT ED/AIDVANTAGE ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies from XXXX. Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Im aware that Capital One Bank N.A, you, have assumed that you have resolved my concerns, and I must disagree. It is to my knowledge that you have never attempted validation of any alleged debt before any collection has began, which Is a violation of my federally protected consumer rights. I also have proof which I will enclose of you calling me without permissible purpose, yet Ive never gave you permission to contact me, therefore violating the Fair Debt Collection Practices. You also violated my rights by never providing appropriate disclosures according to the Truth in Lending Act. It is to my knowledge you have never provided equal consideration. Furthermore, It is my request that you provide me a trail of the investigation that you used to link the account ending in XXXX by public records.

Company response to consumer: Closed with explanation