BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: DISCOVER BANK
State: KS
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:
On XX/XX/2020 I made a purchase from the merchant XXXX XXXX XXXX  {$1400.00} was charged to my Discover card. This card is set up through my XXXX account. After trying to obtain information requested to return the item within the 30 day return policy period and not getting a response from the merchant, I filed a dispute with Discover. After filing the dispute, XXXX sent an email indicating they had been notified by Discover that a dispute had been filed and would not handle the dispute since I filed the dispute through Discover. After several e-mails back and forth with the merchant, I was finally able to return the merchandise which was received by XXXX XXXX XXXX on XX/XX/2020. In the meantime, Discover ruled in the merchant 's favor and resolved the case on XX/XX/2020. On XX/XX/2020, I contacted Discover and spoke to a Customer Service Associate, told them the merchandise had been returned so I should be credited the amount. They instructed me to upload documentation supporting that I returned the item and to call them back once I did this. I did as instructed, called them back but was told that because in an email the merchant stated they had refunded my XXXX account, they could not credit my account and I needed to contact XXXX. I explained that I never received a refund via XXXX. Furthermore, XXXX is a pass through when using a credit card, therefore, the amount would not be refunded to my XXXX account. I didn't use XXXX funds, I used my Discover card. And if they had refunded me as they claimed, they would've provided me proof when I disputed that I hadn't received a refund, but they clearly lied because it would've went back on my Discover card. I was then told that they needed proof that the returned merchandise went to a physical address since XXXX tracking only showed the city and state of delivery. I contacted UPS who sent me proof of delivery to the address on the shipping label which I uploaded to my Discover site. This was reviewed by another CSA and I was told that this was sufficient and that they would need to have a Team Manager review and then reverse their dispute decision. I was supposed to  have been called back and never heard from anyone. I called the following day to speak with now a fourth CSA only to be told that once again, they can not credit my card due to the XXXX email. So now, the merchant received the item and my money! I went through all of this rigmarole just to be right back to square one. I've checked my XXXX account 's Resolution Center that shows a case history and the info is updated based on Discover 's investigation. It states that the case is closed and was decided in the seller 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: 1st Franklin Financial Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I took out a loan for {$2500.00} at First Franklin Financial in XXXX, Alabama. The balance on that date was XXXX. I made payments until XX/XX/XXXX when I made a payment of {$1500.00} in order to try and get the loan paid off quickly. My balance was then {$480.00}. My payment was paid up until XXXX of XXXX and my payment is due on the XXXX of the month in the amount of {$120.00}. I mailed a check to them on XX/XX/XXXX for {$120.00}, earlier than the due date of the payment. When I checked the balance on my account, every cent of the amount I paid toward my balance was applied toward " interest '' and " PL fees '' and {$3.00} for mailing a payment to them. XXXX was put toward my balance, which is now {$480.00}. I feel that this is unethical and is taking advantage of people who are trying to pay off their debts. I had planned to have this loan paid off in full by XXXX, but if they are only going to put XXXX toward my balance each month, I will never have it paid off!! I had told them when I paid the {$1500.00} that they caught me up until XXXX of XXXX and they better not charge me any interest during that time. How can a loan company expect you to pay your loan off when they are only taking XXXX from your balance, even when you pay it IN ADVANCE OF THE DUE DATE? I feel that this is very unethical and probably in violation of the Fair Debt Practices Act. I am also filing a complaint with the Federal Trade Commission. I would like for this matter to be looked into and this company held accountable for charging such ridiculous fees for someone who has been paid up and has paid their monthly payment early. They are now showing my payoff at {$520.00}. How can this be correct, and fair to me as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus. act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Never received written notification of the old debt. Found it as a charge off on my credit report. Contacted the organization to pay to obtain a goodwill pay for deletion. I made payment to the collection agency and they never sent me a receipt showing that I paid and that they would do the goodwill receipt and that was a deceptive practice just to get money from me and is further impacting my changes of obtaining my current underwriting of a mortgage. I paid with my debit card showing I paid but they have not sent me the information of receipt ad promised

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 2021-04-01
Company: Square Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Here is how I have been victimized by XXXX XXXX and Cash App. 

I started investing in XXXX in XX/XX/XXXX and started out with {$300.00} then I took a large chunk of my retirement money to invest by buying {$5000.00} thru Cash App on XX/XX/XXXX. This was my first time I've ever invested in XXXX. The investment firm I worked with at the time had assigned me a trading XXXX to step me thru the process of continually buying XXXX thru Cash App every few days. XX/XX/XXXX I bought {$100.00}, then I started withdrawing what I had bought directly to this investment firms wallet address. For 3 days I withdrew all that money I had bought to the investment firms wallet address. Then on XX/XX/XXXX I ended up buying {$1000.00} more of XXXX. Then for 3 more days I withdrew that amount I had bought and sent it to the investment firms wallet address. Then on XX/XX/XXXX I bought another {$5300.00} more of XXXX thru Cash App. This whole time not knowing that my money was going to an investment firm that would never release my profits they had promised me. I came to realize after {$31000.00} was bought in XXXX XXXX Cash App and realized that I've invested all my life savings including my retirement money thru my work was gone, I had nothing left to give. This investment firm had milked me out of all my money and promised me I would be able to transfer my profits of {$310000.00} that had grew in 3 months, not knowing that I could not withdraw my profits because supposedly according to the firm, they could not release my profits without paying an additional {$16000.00}. This went on since XX/XX/XXXX. At that time I felt helpless and did not know what to do. I got scared. I needed my money back. I finally realized I had lost all my money to a fake company that pretended to be legit, but isn't. They had a fake license. Fake ID. Fake website. I needed help. I got scammed! 

Kindly find the conversations between me and the scam company attached. 

I've never been through this before. So the whole {$34000.00} I lost to a firm that has scammed me out of my money. Found out this investment firm has scammed not just me, but a large number of investors. I thought by investing I would get a big return. Obviously not. 
So I'm asking Cash App to please reconsider your decision to refund my money back to my bank account, so I can feel confident and secure about my future. I dont have a future now because all my money is gone. I'm XXXX XXXX XXXX. I have grandkids.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my PayPal account. They used my PayPal account to make several payments. I reported this to PayPal as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the PayPal account balance was - {$310.00}. PayPal knew this was due to the fraud, but the amount got transferred to a debt collection agency : XXXX XXXX XXXX ( XXXX ) XXXX  ( XXXX ). XXXX has sent me a collection notice and a bill for {$310.00} despite the fact that PayPal has already recognized that the fraudulent spending occurred on my account. The bill says ... 
Make Checks Payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Bay Equity LLC
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 recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Reference number XXXX This was my second denial for an amazon XXXX visa XXXX account denied by chase bank. The first attempted exposed holes in my credit report including collections, outdated adress, bad information that needed disputed. I fixed these issues with a series of actions. By the time i resubmitted my application, my credit report had changed drasticly and this chase amazon XXXX  card was going to be my 3rd credit card. 

They denied my second application using info and scores provided by my first application ( before i had corrected info with the credit bureau ). And while XXXX  XXXX approved my application, chase amazon XXXX did not. I feel like i have been discriminated against for having XXXX durring a pandemic. ( Info that i disputed with credit bureaus and was granted judgemnet in my favor ). XXXX  folks stopped working XX/XX/2020 but fed gov didnt pay them payrol benifits until XX/XX/2020 forcing some very XXXX people to fend for themselves in a pandemic. Some things didnt get paid on time due to a natural disaster. I disputed this info with credit bureaus and my dispute took those off my report. Chase bank is still holding it against me. This is discrimanation and it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
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: Investigation took more than 30 days

Complaint:
FTC VIOLATIONS ON THE FTC REPORT PLZ REMOVE IT ASAP B/C ITS LAW

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 2021-08-20
Company: Experian Information Solutions Inc.
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-04-01
Company: Experian Information Solutions Inc.
State: UT
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:
they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with Experian, XXXX, XXXX, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the AgA office,

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 2021-04-01
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX fraudulent reporting my credit card account 30 days past late for XXXX ; the account was never late, I have my credit card with XXXX XXXX XXXX set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that XXXX XXXX XXXX had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with XXXX XXXX XXXX they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the XXXX XXXX XXXX representative told me they were reporting falsely because the program ended in XX/XX/2021 : XXXX XXXX XXXX is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. XXXX XXXX XXXX have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. XXXX XXXX XXXX had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

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 2019-01-28
Company: EQUIFAX, INC.
State: NC
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:
My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions 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:
Experian has failed on numerous attempts to correct my credit report since XX/XX/2021. They have violated several FCRA laws including but not limited to : Reporting a debt as charged off, when it was settled or paid off. Reporting inaccurate and incomplete information on my credit report affecting my credit score negatively. Didn't provide their method of verification that included : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response e-Oscar verification was unacceptable. Old information furnished as new information. Wrong furnisher addresses listed on my credit report. They failed to follow guidelines for handling disputes. I send over several disputes that Experian did not follow guidelines when they handled my disputes. They are still reporting incomplete, inaccurate, and erroneous information on my credit report. They keep responding back that the information has been validated and/or validated. However, they never addressed each issue I was disputed. Still showing negative accounts that should be deleted. The updated information still didn't fix the inaccurate information and now I have been denied credit and paying higher finance charges. They failed to send me notifications in writing. I have accounts that reporting as being re-aged by collectors. The original creditor is showing a balance and the collector and a balance owed when it was paid in full. Previous account information was provided in the previous dispute. Experian sent an update on one of my disputes today stating it was verified and accurate. So I'm filing another complaint because they aren't looking into the matter seriously. This is even after I filled a precious dispute.

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 2021-08-20
Company: DISCOVER BANK
State: NJ
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:
This complaint best seen as a follow-up to complaint with code XXXX. 

A brief overview of the events is as follows : i. A set of transactions I did not recognise were posted to the account in late XX/XX/XXXX. 

ii. My multiple attempts to contact Discover to address the matter were summarily ignored. I will add also that this was deliberate, as stated by Discover in their final response to complaint XXXX. 

iii. In that same letter, dated XX/XX/XXXX, Discover claimed a fraud investigation was ongoing. 

iv. I have not had any formal communication from Discover since this letter. 

Thus, as of today 92 days have passed since the formal acknowledgement of a fraud investigation, with no resolution.

Company response to consumer: Closed with explanation