BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: Total Card, 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: Account status incorrect

Complaint:
I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: LA
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 had submitted an police investigation to the bureaus for my credit report because of identity theft on my credit report and has not heard anything as of yet.i have attached documents from the police department doing my investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It shows that I have a few debts on my credit that does n't belong to me. One is XXXX XXXX XXXX and the other is XXXX XXXX. There 's a bunch of hard inquiries that do n't belong to me either from banks and retail cards. I dont have any retail cards. I only have 1 credit card and that is with XXXX XXXX. The one credit card account I have is n't showing on my credit either.

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 2019-10-05
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been repeatedly treated in a reckless manner by representatives at Fedloan. They have offered unsolicited advice to put my loans into states of forbearance and deferment without explaining to me the consequences of such actions. 

This reckless advisement has resulted in over {$13000.00} in additional capitalized interest on top of my original balance. 

I am seeking a resolution on this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Paypal seems to think it's okay to have incorrect and non current exchange rates. I looked through posts from other users and it is consistent with my findings that they do not use up-to-date rates thus charging users more than necessary. Where does the discrepancy end up? Might want to look into that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never been behind with this company as soon as I went behind they non stop call me. I have received at least 10 calls a day. On X/X/18 I received 8 calls. After the first 3 calls I called them back and advised them they keep calling me over and over and this is against the law. They said I am sorry and then called again 5 minutes later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Pressler and Pressler has been cited for violating the Fair Credit Act and for filing numerous frivolous law suits against customers. I asked them to cease and desist all current and future collection activity for a bill from XXXX XXXX Hospital. XXXX XXXX Hospital claimed they rendered services to my companion animal when they did not, they caused his needless pain and death and refused to answer all complaints. I therefore disputed the bill and informed their lowlife attorneys to cease and desist all current and future collection activity which they have not respected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a consumer and natural person. Synchrony Bank has committed fraud, denied me credit therefore violating federal consumer protection laws. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Synchrony Lending , Inc. violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691.

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681m, I can not be denied credit.

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used.

Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Synchrony bank fraudulently obtained my nonpublic personal information from XXXX and XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Synchrony Bank. Also, I did not provide Synchrony Bank with written instructions to retrieve my consumer credit 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 2019-01-29
Company: Linebarger Goggan Blair & Sampson LLP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This firm attempts to collect parking tickets that are 9-10 years old and refuse to act in accordance with the XXXX statute of limitations, in spite of many repeated conversations and warnings to do so. Specifically case number XXXX, for a parking ticket from XX/XX/2010, they are now attempting to collect {$160.00}. They have been contacted by phone and in writing multiple times to dispute the debt and the timeliness of their efforts, and every few weeks they attempt again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have XXXX USD in my online account with coinbase.com. I got a new phone which invalidated their 2 factor authentication. I 've gone through all their processes to reset the 2 factor auth for a new device, and I 've heard no response from them. I 've filed a support ticket, I 've sat on their support phone line for hours, and still nothing. It 's been 3 months and I ca n't access my account to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: MO
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:
I have sent certified letters to all 3 credit bureaus, Equifax, XXXX and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. Equifax & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX  credit card & XXXX Visa Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: IL
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 purchased the total protection plan through Best Buy in which I cancelled less than 72 hours after making the purchase. 

I received a cancellation email to confirm. that my the service has been cancelled I later received a bill for the total {$190.00} charge of the plan I then called card services to dispute the charge I receive another statement in the mail that is charging me for the full amount I contacted the company and was told that I could only be refunded {$47.00} because of the " service charge ''

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 2018-01-02
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I attended a XXXX XXXX XXXX promotional event in early XXXX of this year ( 2017 ). I did not choose to become a time share owner during the event, but I did sign up for a loyalty rewards program in correlation with American Express. It seems that the onsite personnel who sign you up for the XXXX Rewards Program card are XXXX employees and are not provided proper training on the actual features of the card. I believe that I was misled concerning several features of the Rewards Program card. First, the XXXX employee mentioned that by signing up for the card, I would receive " Gold '' status with XXXX ; however, I found out after signing up that this is only true for certain cards that have an annual fee and only applies to my card if I spend {$20000.00} in a calendar year. I was also led to believe that this card would not have any foreign transaction fees. I recently took a trip to XXXX and purposely used the card assuming that no foreign transaction fees would be charged. To the contrary, I was charged many fees adding up to {$22.00} or so. I called American Express to discuss this and, again, this turns out to only be a feature of certain Rewards program cards that have an annual fee associated with them and not for my particular card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello, My name is XXXX XXXX. I am writing you because i reach out to trans union about being an victim of the inquires issues. They told me they will not remove the inquires off my credit. I asked to speak to an supervisor. I was hung up on twice and they told me they will not remove the items. I explained to them that I will reach out to Consumer Finance website and do an complaint. I was told OK that is fine i am not able to do anything. I spoke with three different representative who was not willing to help me. I was told this will sit on my credit for two years. I am not happy with this. I am in the process of buying an house and i do not need anything affecting my credit that i did not apply for. 
I am going to do an list of the inquires for you. 
1. XXXX XX/XX/XXXX i did not apply for this or recognize this. 
2. XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13 XXXX  XXXXXX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX/XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX  XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a $ XXXXcheck from my 401k. Into my  chase checking account The funds were available XX/XX/XXXX. I made a similar deposit, of {$800.00} on XX/XX/XXXX. CHASE is refusing to make these funds available because they say the of possible fraud. I need these funds for living expenses. I am a single father of XXXX daughters and I am between jobs. They say the hold was system generated but cant give me details. According to the terms and conditions of my account, I should at least be able to have access to {$200.00} of the deposit. They say they cant. I asked what was the reason and they said it was system generated. However, this is a small deposit, I have not had repeated overdrafts, and they can trust the account the check is drawn on as I have deposited a check from the same account within the last three months. My account is not new Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On X/XX/17 my bank account which included exempt funds was frozen. I was never notified of impending legal action or court proceedings involving this alleged debt. Upon further investigation papers were served to an invalid address in XXXX XXXX which I was never associated with. Court also had no record of lien until X/XX/17 late afternoon. Funds were withheld prior to that. Funds held caused undue hardship as I am a single mother and those funds were child support received. I had no access to any money whatsoever to care for myself or dependent child. Collection agency also refused to verify any information about debt without me providing them my place of employment. " XXXX '' was rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Calls received multiple times daily from XXXX from Allied Interstate LLC claim8my to be collecting on a debit for XXXX, caller is from XXXX. This debut was discharged in bankruptcy chapter XXXX XXXX XXXX 2016. I provided this information to XXXX, on other collection company for XXXX and now these people in XXXX. My lawyer also sent them a letter to stop collection. But they wo n't stop call my phone and husbands phone multiple times a day! Please stop this harassment!

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 2017-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. <P/>Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. <P/>Look I am still in XXXX and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a XXXX XXXX for over a year. This account is used with a recurring charge with a single merchant. The account had automatic payments setup. XXXX is now claiming to not have any record of Autopay. 

I have noticed on my statement that there have been numerous late fees charged on this account. 

As I setup autopay with a representative of the company, I am wishing to have ALL late fees backdated to the start of the account be refunded. 

Further, the bank has not given any notices nor email notifications on the payment status or lack of an autopay payment as is done with all other XXXX accounts.

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 2017-07-13
Company: Navient Solutions, LLC.
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:
Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and Navient. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my Equifax and XXXX credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from Equifax, XXXX and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.

Company response to consumer: Closed with non-monetary relief