BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I been receiving phonecalls at workplace..And The man was rude..and said that he will garnish my paycheck if I don't take care of the debt..I keep repeating to pls not call at my Job ... and they keep doing it..This debt is more than 16 years old and they keep sending letters also..

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 2021-01-24
Company: SYNCHRONY FINANCIAL
State: CA
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/XXXX my bill for account SYNCB/LOWES ( opened XXXX. XXXX, XXXX ) 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 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 2020-09-13
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have tried on a number of occasions to work towards to getting this amount due settled. The first payment was made by GAP and another payment made by the extended warranty. I was still negotiating with the insurance company. Additionally, I requested Ally to pick up the vehicle. prior to the scheduled vehicle pick up. The vehicle was towed by the city. I continued to made a constant request to pick up the vehicle. After 4 months of calling Ally customer service- the CSR stated they will not pick up the vehicle if damaged. Ally had knowledge of the damaged vehicle. The vehicle was not picked up by Ally and left at the impound. I was sent a letter on XX/XX/2020 informing me the vehicle was not picked up. Charges were assessed interest daily on the account. I called to make arrangements for the charge 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 2022-08-14
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated XX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The Credit Reporting company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.

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 2020-12-05
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Created account successfully, was never able to link my bank account. Coinbase systems unable to link to XXXX. Contacted support to ask why, and how long this would be an issue for ( on XX/XX/XXXX ). Never heard back from this, so eventually submitted a formal complain through the form on the coinbase site. That was on XX/XX/XXXX. Have not heard anything back from coinbase still. Also tried contacting their support account on XXXX via tweet and DM. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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 or about XX/XX/2023, I submitted a verbal detailed dispute to CHASE VISA claiming failure of XXXX XXXX to repair my girlfriend 's car AC system on XX/XX/2023 and charging me {$1200.00}. XXXX XXXX submitted only the invoice and did not respond to my allegations of " bait-and-switch '' of compenents and failure to answer our many attempts to contact them the day the system failed or any time after that, including in their responses to CHASE. CHASE XXXX did not agree with me and on XXXX XXXX, 2023 I sent CHASE XXXX a detailed letter with many exhibits showing costs incurred and the fraudulent placement of a re-manufactured AC compressor in the car instead of a new one which XXXX and I had agreed to. I also provided proof of XXXX ignoring our phone calls, messages, and emails as well as proof XXXX over-charged me for the re-manufactured compressor. The compressor installed failed 4 times. 
Incredibly, CHASE XXXX still did not support me so I provided CHASE XXXX with another letter on XXXX XXXX, 2023 detailing the VISA Core Rules and Visa Product and Service Rules ( Policy # XXXX, dated XX/XX/2023 ) and CHASE XXXX still will not support my claim for failed service and fraudulent behavior. And this time on XX/XX/XXXX, the CHASE XXXX person who called me to deny my claim had no knowledge of the complete record including all my costs to fully repair the AC system and rental car while the car was in the shop being repaired, XXXX 's refusal to talk or message with me, and denied the results of my previous XXXX conversations on XXXX XXXX and XXXX with other CHASE XXXX staffers including a Dispute Supervisor. When I asked for specific details of CHASE XXXX 's decision, this staffer hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
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 have contacted the individual companies as well as made complaints to the credit bureau directly to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX  These accounts show inaccurate information and still show a " balance due '' even though it should be zeroed out since they are closed accounts. They also have false information stating that these accounts were late when they were not. They are within violation of federal consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When I was shopping on Sam 's Club, I had a total of {$87.00} in my cart and a box comes up on the screen and says that my balance would be {$32.00} by opening a Sam 's credit card with a {$55.00} credit. However, this " balance '' amount would not and could not ever be true. 

I called and told them that when I was approved for a credit card my total never changed at check out as shown on their site and ad to get one to sign up for their credit card. They said in 90 days I'd get this {$55.00} credit on my account. SO, in that 90 day period, I would of course receive and be billed and have to pay on my original balance. OR, If I pay in full, I still have not gotten the balance they stated would be on the purchase amount named above on the day I signed up for the credit card! At no time would my " balance due '' be {$32.00} as they plainly said! 

If I get a {$55.00} credit in 90 days, and I've paid my balance in full, that still makes their original claim false and totally misleading. I now have to make ANOTHER purchase to get this! I haven't gotten what they lure you in with their ad which they clearly state will be on the purchase in your cart that day. 

I ended up removing one item from my cart before finalizing my purchases but I already had been approved for this credit card, my credit score will now go down a few points from doing this and trusting this from them checking my credit, and the next victim is theirs for the taking. 

Customer service didn't deny this! But they purposely run this ad on their site and it is totally false. The day you place an order and they pop this box up to say you could have a new amount due, is not true.

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 2020-09-13
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I been receiving phonecalls at workplace..And The man was rude..and said that he will garnish my paycheck if I don't take care of the debt..I keep repeating to pls not call at my Job ... and they keep doing it..This debt is more than 16 years old and they keep sending letters also..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 2023-10-09
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal refuses to provide the evidence used in closing a case I opened months ago. They continue to insist I signed a document that was never presented to me, but yet refuses to verify the legitimacy of the document when I state that it is a fraudulent document. 

They have demonstrated that they will protect sellers at all costs, and make it immensely difficult for buyer 's to recover funds stolen from them. I continue to provide evidence that I contacted the seller to cancel ( due to her abuse, even ), and that I did not agree to any terms either online, by fax, or otherwise. Paypal continues to move the goalposts, and refuse to provide evidence in order for me to provide my own to show that she is defrauding not only myself but others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XXXX Credence Resouce Mana XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX Amount : XXXX For XXXX XXXX To Whom It May Concern : This Debt is supposed to take it off my credit and it hasn't please do so, if it's not I will file a complaint to Attorney General 's Office. I demand it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im writing this complaint to request a review and correction of the alleged derogatory information that violates my rights as a consumer. 
The above collection agency contacted me on XX/XX/XXXX to collect a debt that they believe I owe. 
Rockford Mercantile Agency stated in their request that I owe to XXXX XXXX XXXX {$620.00} in which is now past due and placed with them for collection. 
On XX/XX/XXXX I submitted my request to validate a debt to Rockford Mercantile Agency and requested to provide me with a proof that debt is valid and Im financially responsible for the above debt. 
I reviewed all my records and I found that back in XX/XX/XXXX I had an office visit with XXXX XXXX XXXX and I paid off all medical bills that I owed between XX/XX/XXXX and XX/XX/XXXX. Since XX/XX/XXXX, I have not been contacted by the above creditor about unpaid debt In response to my request, Rockford Mercantile Agency provided me with a copy of itemized billing statement that show that I owe {$620.00} to the above creditor and this debt have not been paid. The above agency did not fully verified unpaid debt and did not provide any additional information as a proof of their validation of debt. Instead they disclosed without my consent my medical records from XXXX XXXX XXXX and violated my rights as consumer according to Fair Credit Reporting Act. They did not provide any proof that they licensed to collect a debt in state of Illinois and proof of last payment that has been made on the account. 
The above agency reported derogatory information to all consumer reporting agencies XXXX XXXX, and XXXX  and violated Fair Debt Collections Practicing Act, Section 809 ( b ) validating debt. The debt of first delinquency on my report is not accurate. I do not owe any debt anything to the above creditor since XX/XX/XXXX. 
Moreover, I disputed the above debt with original creditor XXXX XXXX XXXX and advised them to review and verified their records of my payments that made towards unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account. 

Here is the transcript of my conversation with Paypal regarding this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: Early Warning Services, 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: Reporting company used your report improperly

Complaint:
I submitted a complaint to XXXX through CFPB and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have contacted this company numerous time and inform them that his debt is identity thief and i need the debt remove from my credit report asap this company has really been giving me a hard times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX I sent XXXX a letter disputing a derogatory mark on my credit from a company that has illegally bought my account from Cominity Bank, now XXXX has my personal information and can not provide me information with my original company. They have sent me the same generic letter twice explaining that it is not on my report. When I sent proof from their website that it is along with the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Yes I got contacted and the lender at MTH says Im not qualified and denied due to no income proof. Even when I provided my SSI as my only resource of income. He told me its not. I do not qualify with an SSI income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: GA
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 been looking and observing over my credit a noticed multiple fraudulent inquiries on my report, The fraudulent inquiries are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2020-07-23
Company: U.S. BANCORP
State: TX
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:
Received a credit card denial from US Bank - applied on XX/XX/XXXX. 
* My annual income is greater than $ 100K * No Liability * All ( 2acrds ) paid regulalry * XX/XX/XXXX credit score of XXXX ( reported by XXXX & XXXX XXXX ). 

On XX/XX/XXXX during e-application I was told I would be informed of the decision later. On XXXX I received the denial letter ( post date : XX/XX/XXXX ). On XXXX I spoke to US Bank credit depot. i was told the denial was because of too many inquiries in last 24 months. 

On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ),  One by XXXX ( XX/XX/XXXXXXXX  >> Card was denied ). Rest is 4 credit cards in 2yrs. 2 of them closed. 

Now that US Bank has refused - it adds to another credit inquiry, so the next financial company will deny saying..you have 7 inquiries.

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 2023-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation