BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: Service Finance Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2019 TWO Service Finance Payments were taken out of my XXXX XXXX Checking account ; only one was authorized. Due to their double billing, I was charged {$74.00} by the Bank for an overdraft charge which Service Finance has been unwilling to pay. I called immediately after seeing the double charge and was told by a Service Finance representative that I would receive a REFUND check in the amount of {$230.00}. When I called the following Friday to check the status of sending the check, I was told by the representative that management had changed their mind and decided not to send me a refund check. I had them on speaker phone and had a witness when they said management admitted it was their fault but would not be sending a check. I later heard from a XXXX XXXX that the representative misspoke and said I only have 2 choices and that is to apply it to the principal or they would hold it as a courtesy ( some courtesy I told them for creating multiple problems and giving false promises out which are ORAL Contracts and VALID in the state of North Carolina. ) I told them to HOLD the money and apply next month but that did not release them from owing me {$74.00} for restitution. Several conversations went back and forth and then XXXX said it was a closed issue and he would not discuss it further. I have this in writing. Recently, XXXX asked for additional statements from the bank and overdraft letters as the audit department would not accept any of the screenshots I had produced. I gave them what they asked and he wrote back that he reviewed the documents but still held to the fact they were not going to pay out anything. He is attempting to blame me and said I entered the information of my routing number and checking account number within the 2 minutes apart of the transactions. I have been in XXXX XXXX for 35+ years and know that some incidents are not widespread and can be singled out to a particular account. I feel he is being discriminatory toward senior citizens and attempting to make me say something that is not true. I did not enter the transaction to be paid twice. The VP that gets involved will not even reveal his name or position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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: Information belongs to someone else

Complaint:
I am processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. this has been my 2nd attempt to bring awareness to these negative items that are illegal on my credit report. looking over all files listed on my all 3 credit files none of them have been accurate, legal, or correct, an valid to be posted on my credit report legally. please review an delete all listed items asap to help clear 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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that XXXX XXXX  is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to XXXX USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). 

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX  15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration

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 2019-05-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid 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 wanted to purchase furniture at XXXX XXXX  in XXXX, Tx and opened a synchrony bank home furnishing credit card and the owner told me he was going to charge me extra fees if I used that card. I was approved for & XXXX and picked out furniture, but when I realized he was charging that in fees I canceled my order and never received the furniture. He is reporting XXXX. On my credit but I dont have the product so I disputed with Synchrony bank but the took his side and will not put my balance to XXXX. Again I never used the card and never had furniture delivered to my home. Please help!

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 2023-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that XXXXXXXX XXXX is a Debt Collector in accordance with the FDCPA XXXX USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). 

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Escrow Balance : IS {$2600.00} I HAVE ASKED SHELLPOINT MORTGAGE SERVICING TO PAY INSURANCE OUT OF ESCROW I HAVE ALREADY PAID {$1300.00} .THE PAYMENT IN THE SUM OF {$2100.00} TO INSURANCE COMPANY THE PAYMENT IS DUE BY XX/XX/XXXX AND {$450.00} PER MONTH GOES INTO ESCROW EVERY MONTH.XX/XX/XXXX TAXS BILL ALREADY WAS PAID.THIS IS THERE RESPONSE : Thank you for contacting Shellpoint Mortgage Servicing. 


Your initial inquiry was sent to the Insurance Department and is still under review Please know that although your request may be completed sooner, it can take up to 30 business days for your request to be fully reviewed, processed, and completed by our Insurance Specialists. Once completed, someone will respond to your initial inquiry. If you would like to check on the status of your request, please call us at the number shown below for the most up to date information, as the account will be updated once it has been reviewed. 

If you need further assistance, please call our customer service department at XXXX. 

Thank you, Loan Servicing Department Shellpoint Mortgage Servicing XXXX ( p ) XXXX ( f ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX for the SECOND TIME has allowed someone to open an account under my name/information as provided by a soft inquiry to TransUnion. I called XXXX on XX/XX/2013 to initiate XXXX XXXX and they told me they can not proceed until I pay them the {$1900.00} that " I '' owe them, which they sent to collections and reported to at least one credit agency, without ever notifying me ( nor TransUnion notifying me ). This is the 2nd fraud against me by XXXX and I even have Credit Freezes and Fraud Alerts with all major credit agencies! Apparently XXXX only did a soft credit inquiry with TransUnion and ignored any fraud alerts. They have put the onus on me to prove that the {$1900.00} was not in fact meaka Guilty until proven innocent. This conduct is grossly negligent by XXXX and they will not give me service until I prove I do not owe them money. TransUnion is helping to continue to victimize me by permitting others to commit repeated ID theft against me, and this needs to be addressed by the CFPB. TransUnion needs to vet its customers more and cease dealing with them if they have a lack of basic fraud prevention, and stop providing my information to be used to commit further fraud against me. I called TransUnion and after a few phone transfers, they agreed to stop allowing soft inquiries against me. However, they will not send me a copy of my credit report as I have an active dispute. They told me to go to XXXX to access the report that they would not supply, however that website would not allow access to my report either. The fact that I have a dispute/fraud makes it even more important to see my credit report, which they are not allowing.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account # XXXX - XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: DISCOVER BANK
State: DC
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:
attempting to open Discover card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX  XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a promotional 6 month APR XXXX XXXX for A few purchases. This month in XXXX that promotional period ended for 3 of the purchases for XXXX  % at least thats what it shows on my statement! It looks as if they added the interest of the full purchase amount from six months ago. But it still wouldnt equal the amount that they are charging. The one intital charge of {$300.00} on XX/XX/XXXX  now has a balance of {$86.00} but they charged me {$30.00} in interest? If I only owe {$86.00} how are they charging interest at the full {$300.00} initial amount times the 6 months. If I knew this acted as a payday loan I wouldve never used this card. Nowhere in the disclosure does it tell me the initial amount is what is charged at the end of the promotion for the APR at XXXX  % Regardless of what youve paid it down to. Times the six months promotional interest missed. Theyre still charging monthly interest as if you still owe the full amount from 6 months ago. How are they calling this a promotional period when they just tack on all of the interest that you missed in the promotional period time when it ends? This is a scam. How can a company that operates this shady way be trusted consumers can not rely on these sorts of practices. They set you up that your account could never be paid off.

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 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
2023 XX/XX/2023 Case Number : XXXX XXXX XXXX I am writing to file a complaint against [ Capital One Bank ] for [ denying and refusing to credit back to my account {$840.00} for a defective/ faulty piece of equipment/malfunctioning machine that I purchased from The Merchant name is XXXX. We purchased this piece of equipment from their companys website XXXX XXXX XXXX XXXX. Order Number : XXXX dated ( XX/XX/2023 ) and received it on XX/XX/2023, however, this order ( which is Order Number : XXXX ) contained a malfunctioning machine / defective equipment on my Capital One credit card Capital One Account # XXXX. I notified the merchant first about the problem with the equipment and they in turn requested pictures of the machine when it would malfunction and stop working. I provided the information that they requested of me. They went as far as even suggesting that I try to find any repair point locally and they would bear the repair cost, in addition to offering a partially refunded to be in in the amount of {$250.00} as compensation for me to try to keep it. I should not have to pay that much money for something and then have to search for someone to make repairs to it before it is able to operate. I am willing to return this piece of equipment back to them if they would send me the requested material ( the return slip ) which is needed to return the machine, Again I do not think that I should or am obligated to have to pay for something that was/is non-operational when I received it and does not work I next notified my credit card company about this problem. They had at first refunded my account back the {$840.00} the amount I am disputing, which I had already paid but then they took it back off and reapply the charge back to my account stating that the charge would appear on my next one to two billing statements because the XXXX disputed my claim At that time, they considered my case closed. 
and If I wanted to continue with this dispute, They requested a signed and dated letter that included my case number, the merchant 's name, the date of the transaction, and the disputed amount by XX/XX/2023. along with all of the correspondence describing the problem I had experienced and copies of all relevant documents that support my claim, which I have provided them with all of this information. I was instructed to fax the requested information to XXXX XXXX and allow 10 business days for THEM to respond This has been going on since or first started XX/XX/2023 2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Re : Bank of the West not BMO. 
On XX/XX/2023 I made XXXX deposits of {$5000.00} each into XXXX XXXX XXXX XXXX XXXX checking account ( Account # XXXX ). The deposits were in XXXX currency which were XXXX checks. On XX/XX/2023 I got a credit of {$3600.00} which was for one of the check. I went to the bank and inquired why I got only one credit. There should have been two credits. The teller, XXXX told me she will look into it and asked me to check in again in few days. I checked in in about a week and I was told that there was a problem with mail and she will inquire with the copies she has in her office. I kept checking and there has been no satisfactory answer. Three month ago she asked me to check with the payee if the check had cleared his bank. Which I did and asked the payee to send me copy of cleared check which I provided to Mercy at the bank. She told me that she will start an investigation and get back to me. I kept asking her on weekly basis but she kept telling me there has been no result. Yesterday on XX/XX/2023 she called me and said that she got information from the investigation office of the bank and the case is being closed because it is too old without any result. She didn't say anything about crediting the account.

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 2023-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a check deposited into my account that I didnt do and its closing my account for fraud so I turned off my card and I let them know and they sent over a new card but they are still going to close the account for 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 2023-06-07
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between LVNV Funding LLC and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, XXXX breach, Experian breach, and the black market, I need these to be removed. ''

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 2023-12-01
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: Information belongs to someone else

Complaint:
See the attached 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 2023-09-30
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
My name is XXXX XXXX. I receive my XXXX veteran compensation on the XXXX XXXX XXXX. I am currently in the XXXX. They are aware I am here, as I called them on XXXX XXXX, because when I tried to withdraw cash at an ATM here it declined the transaction. I've had this issue before. In the past they told me that they file a " white card '' to the fraud department. The white card is notification that I'm currently in the XXXX. This is done to prevent my card from being shut down due to suspicious activity on the account. Today on XXXX XXXX, I tried to send money to my girlfriends savings account and the card is declining. I tried to do the transaction with XXXX. This is not an unusual transaction, as I access my money using XXXX for the majority of my transaction every month. I try to call their customer service number and it gives you a recording telling you that due to high call volume, they can't take your call at this time. It then proceeds to hang up on you. 
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Company response to consumer: Closed with non-monetary relief