BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I received a bill from Old navy/ Synchrony Bank that was due on XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the  lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.

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 2020-11-14
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiry by Ally Financial listed on my credit bureau reports that I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XXXX XXXX, I was checking my credit through XXXX XXXX and saw the derogatory from XXXX XXXX now MIDWEST RECOVERY, This is for {$1100.00}. This is in the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX I called them in XX/XX/XXXX and again last week. They said they sent something to correct this back in XX/XX/XXXX but the derog is still there. From called them again last week they said they would send me a letter ( which has n't arrived yet ). 

On XX/XX/XXXX, I sent a a complaint to XXXX ( confirmation # XXXX ) and they responded back saying it was mine because of the social security number. The social security number is mine but its not me. Someone else is using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal issued a refund from my account to a buyer for an item that I sold on XXXX. Even though XXXX previously denied the buyers request for a refund due to signs of fraud, being attempted on the buyers behalf. The buyer waited a few months and contacted XXXX   and was able to successfully conduct a fraudulent refund based on PayPals practices. Which are a breach of XXXX  policy to detect abusive tactics from both buyers and sellers on its platform. This is why XXXX closed the case months earlier when the buyer made his first attempt to scam me, the seller ( out of my product, and the payment that was issued to my paypal account ) for the product I sold. When I noticed that this was a scam I immediately alerted XXXX that PayPal was holding my funds and that I suspected this was a scam on the buyers behalf. XXXX escalation department examined the case closely, and agreed that this was an attempted scam on the buyers behalf. PayPal was notified and released the funds in my account. If PayPal had already been notified about this scam from this buyer. Why did they issue a refund to this buyer who was clearly a scammer? Pay pal refunded the money without proper evidence, and at my expense. I lost merchandise, the payment, and gained a negative point on my credit score ( for a  negative balance of {$460.00}, because of their poor customer support practices, and conflict of interest policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: T.S. Holdings
State: MS
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:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I'm a full time college student looking to save money to take my XXXX tests to apply to medical next year. An individual with the email XXXX sent an email to my school email address requesting a dog sitter for her aunt who was supposedly moving down from XXXX for a new job. The " aunt '' name was XXXX XXXX XXXX email : XXXX number : XXXX ). She sent pictures of the dogs and shared her entire situation ( see attached screenshots XXXX. This XXXX then said that because they had not settled in her new apartment, that she would send me a check to purchase supplies for the dogs and my first week 's pay. I then received a check from her supposed financial clerk from the email XXXX. The check was for {$3900.00}, the company on the check was XXXX XXXX XXXX in XXXX, GA and the bank on the check was XXXX XXXX, NA. I deposited in my account on XX/XX/2021. The check was posted on XX/XX/2021. I called my bank to confirm whether or not the funds were received from the other institution, and I was told that it was. Obviously the banker mistook my question for whether or not the funds were available ( considering they make funds available before money is received ). XXXX then told me send money to the number XXXX XXXX XXXX XXXX XXXX, and after that didn't work, she told me to XXXX {$1000.00} 3x to XXXX, however, only 2 of the 3 transaction went through ( the conformation numbers for the two transactions XXXX & XXXX XXXX. After the 3rd transaction didn't go through, she asked that I send it in bitcoin on XXXX. I then reached out to Bank of America to report the scam and they cancelled the third XXXX transaction because it hadn't completely processed. Unfortunately the first two went through. The bank associate said that she opened a case outlining the fraud ( case # : XXXX ) but I don't see anywhere on the online bank account for me to see the status of this case and BOA already reversed the fraudulent check. Now, the money I was going to use to buy my XXXX prep supplies is gone. The only other info I have is that the phone number associated with XXXX actually ends in XXXX and not any of the other numbers that contacted me at any point.

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 2020-07-03
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Target Red Card is holding payments that I have sent to them and that have cleared my bank. Today is XX/XX/2020 and there are payments that cleared my checking account on XXXX and XXXX XXXX that are not reflected in my available balance. The only way they will release the funds is to do a conference call with my bank which is unfair to me as a customer. I have a {$250.00} credit balance but only less than {$70.00} available credit. They have done this at least 3 times and I've only had the card since XXXX. They should not be allowed to hold payments for such a long time after a payment posts. It is unacceptable to need to do a conference call with my bank to be able to use the funds that they're holding hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account with the company and bureaus on : XX/XX/XXXX and XX/XX/XXXX. I have asked removed the account from my bureaus due to this is error on the hospital. I had 2 health insurance which cover all cost and the hospital did not run my second one. I informed the hospital on XX/XX/XXXX and at that point is was too late to for them to run the claim with the insurance company. They said they will take care of it and use financial aid per the customer service representative in the billing department. They have removed this account from XXXX  on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: AZ
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:
Hello I am very young and I never had no credit I finally applied for a secure card and found out I had negative item on my credit file. I tried to dispute the information with Equifax several time and no written verify information never was mail to my address so how can you even say this is my Debt. I even sent Equifax my Police report when I got XXXX in XXXX a couple years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence sent me a letter in regard to an account I had with XXXX XXXX XXXX. The account number was XXXX. When this account was closed and a new account was opened by XXXX XXXX XXXX at the recommendation of XXXX XXXX XXXX, I had a credit owed to me. The communication by phone call and the changes took place at the XXXX XXXX XXXX store by a representative and the store manager and the date was XX/XX/XXXX. 

From that time forward I was not able to access my old account online and I didn't receive anymore paper bills in regard to the account mentioned above. The only account I could log on and see online was my new account # XXXX. 

I placed several long phone calls to XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. I still had not received the credit due to me. The first representative I spoke with disconnected me after being on hold for 2 hours. The second representative who I spoke with said I would be receiving my credit. She also said she sent me an email in regard to the matter which I never received. I spent many hours on hold with XXXX XXXX XXXX and then would be disconnected over the period of XXXX - XXXX. I never received a refund and in XX/XX/XXXX XXXX XXXX XXXX disconnected my WIFI stating I owed them money. I paid double several times on my new account because I thought my bank had made a mistake and didn't send my auto pay to XXXX XXXX XXXX. As it turned out I then had a large credit on my new account but I kept getting texts threatening to turn off my system. 

The first week of XX/XX/XXXX I received a " Final Notice '' threatening to send me to collections if I didn't pay an outstanding balance on my old account. The letter also stated not paying would impact my credit score in a negative way. My credit score is in the 700s and I always pay all my bills in full in a timely matter. I spent at least 12 hours on the phone with XXXX XXXX XXXX. I was repeatedly disconnected after questioning what was going on and other representatives said to ignore it while others just gave me a number to call. Finally one woman said she would write an email to resolutions and I would get a call from them within 48 hours. The call was two weeks later and all " XXXX XXXX said was that he didn't have any notes about closing the old account and then I was disconnected. 

On or around XX/XX/XXXX I received a collections letter from Credence in regard to a debt owed. Yesterday, XX/XX/XXXX I spoke again with XXXX XXXX XXXX asking for proof of service with this account and after 2 hours of being shuffled around I was disconnected. I then called Credence and spoke to two separate representatives over a period of 60-90 minutes and explained the situation and both of them said I needed to pay the debt and then talk with XXXX XXXX XXXX about a refund and then my credit score would not be compromised. These are not the exact words but a summary of the long phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading

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 2020-11-13
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
My HIPPA Rights and my privacy rights have been violated and not taken seriously by XXXX XXXX, and transunion. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days.

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 2021-05-27
Company: Bread Financial Holdings, Inc.
State: WI
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:
Comenity Capital Bank will not provide a monthly statement for XX/XX/2021. I sent a letter, on XX/XX/2021. My letter reads : " This is a Billing Error Notice.... Please make available to me a monthly statement for XX/XX/2021. Although my account has a XXXX  balance, there was activity. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Amex is still showing active the account is closed have n't used it since 2014/ was joint account w x-husband pls take this off was showing XXXX on XXXX XXXX for credit limit {$14000.00}. Each

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: GOLDMAN SACHS BANK USA
State: NH
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TD BANK US HOLDING COMPANY
State: IL
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:
" Lenders that report data to credit bureaus as required by the coronavirus aid, relief, an economic security act ( CARES act ) will not cause consumer credit scores to go down '' - my complaint is that I had a missed payment at the beginning of the Pandemic ( XX/XX/2020 ) and it has not been removed from my credit report, and it is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX during a pandemic when I was struggling with money. I was charged 63 times for overdraft fees. By Chase Bank. The fee for over driving is {$35.00}. I paid over {$2200.00} in overdraft fees. When I found out they would reimburse you for your overdraft. But they would only reimburse up to 6 overdraft fees out at a time. After doing that a couple times. They won't let any overdraft my card anymore and they won't tell me a reason to why. Plus I've been a customer with them for 5 plus years I've overdrafted plenty of times and always paid the fee. This past Friday I was short {$100.00} on my car payment. Which I need to pay to keep my car so I can get back and forth to work. They wouldn't let me overdraft my card to pay my car payment. When I went to talk with the banker and showed him everything that was going on he told me there was nothing he could do for me. That it was Chase itself that was not lending me the to overdraft my account. I ended up having to pawn my TV and XXXX to pay my car payments. And my TV and XXXX are still at the pawn shop.

Company response to consumer: Closed with monetary relief