BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received as a XXXX present American Express gift cards with expiration dates in XXXX. Despite my attempts to use the gift cards prior to their expiration dates, American Express had deactivated the cards. I spoke with XXXX XXXX on the American Express Prepaid Resolution Team on XX/XX/XXXX. She indicated that I would have to fill out a form that she was mailing to me, and that I should expect to receive replacement gift cards within XXXX - 10 days. She emailed me reference # XXXX. I received the paperwork, filled it out and sent it along with pictures of the gift cards, as requested by American Express. It has now been almost two months, and I have not received the replacement cards. I tried calling the number she referenced in the email, which is XXXX, but I only get a pre-recorded message with no ability to speak to a representative. 

I have also sent several emails, none of which was responded to. I am attaching the string of unanswered attempts to request additional information. 

I fear that I have been defrauded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/XXXX I was looking for an apartment, I was in an extremely vulnerable situation because I needed to make a decision quickly. A scammer took advantage of this by offering me a place to stay. I was scheduled to view the apartment the next day, but was recommend that I fill out the application first. In XXXX XXXX XXXXXXXX the rental market is extremely competitive, so it's recommended that to secure your spot you should already have the application first. Again, another opportunity for the scammer to take advantage. So I sent my {$150.00} application fee, via Cash app, but shortly after decided that I wanted to change my mind. The scammer blocked me on everything. I tried to rectify this issue with my bank, they told me to take it up with cash app. Cash app doesn't guarantee buyer protection but enables business to use their app for transactions. Also according to this article https : XXXX dated XX/XX/XXXX, reports allege that Former employees estimated that 40 % -75 % of accounts they reviewed were fake, involved in fraud, or were additional accounts tied to a single individual, Their customer service keeps informing me that I should only send to reputable people. How was I supposed to know that this service was not reputable? They sure did present themselves as such. I am getting no resolve and am looking for some support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-26
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:
XX/XX/2023 I wrote letters to XXXX, XXXX, and Transunion asking them to confirm and send me details on specific accounts that were reported on my credit. I sent demand comply letters for the information I so desperately need to get my credit in order on XX/XX/2023. As of today, XX/XX/2023, I have not received any required follow-up correspondence or information.

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 2015-08-13
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
EVERY Month I get locked out of my account online. EVERY month I have to call customer service, EVERY month I am told I have to wait XXXX hours to unlock my account and change my password. EVERY month I change my password and again get locked out of my account. Customer Service is NO HELP AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I had two student loans with XXXX XXXX loans and both were delinquent. On XX/XX/XXXX i made a payment of XXXX towards the smaller of my two loans with them. This payment was making this loan current as of XX/XX/XXXX. I received a letter from Sunrise Credit Services Inc on approximately XX/XX/XXXX ; a collection company collecting for both debts. I logged back into my XXXX account online when i received the letters and it showed that both accounts had been paid off. I called XXXX the same day to ask where the XXXX had been applied because in their system it showed it had been reversed ; the representative told me that it was forwarded to the collection company. 

I logged into the account with Sunrise Credit Services multiple times since XX/XX/XXXX to verify if the payment was applied and finally saw online on XX/XX/XXXX that the payment i made of XXXX had been split 3 ways ; the loan my payment should have been applied to had a balance of approximately XXXX dollars according to the XXXX website, and then the other loan was approximately XXXX dollars. I spoke with XXXX XXXX on XX/XX/XXXX at Sunrise Credit and she explained that the loan that was showing as XXXX in XXXX 's system was originally disbursed in two disbursements so they were technically two separate loans ( i.e. approximately XXXX a piece ), so XXXX was applied to XXXX XXXX dollar loan, XXXX, to XXXX XXXX loan and XXXX to my loan with the balance of XXXX the application of the payment to my loan with the balance of XXXX is incorrect. The way they split the payments i believe is in violation of the Fair Debt Collection Practices Act as i had specifically paid the smaller of the two loans with the intent of paying it off afer that only to have it sent to collections and I don't think it should have been sent to collection since i paid it current prior to the insurance/guarantee company paid it off. The loans shows it was paid as of XX/XX/XXXX by the insurance/guarantee company on the XXXX site by the insurance company but i had already made my payment on XX/XX/XXXX. I have attached screen shots showing how Sunrise credit applied my payment and also screenshots of when i made the payment to XXXX - it shows the loan the payment should have been applied to. 

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 2017-01-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX in XXXX Kentucky reports that Chex Systems is reporting XXXX accounts opened in my name in 2014 with XXXX XXXX XXXX which have been charged off.I did not have accounts with XXXX XXXX XXXX.Identify theft and fraud are clearly an issue that have had devastating effects on all aspects of my life.As a natural born United States citizen I have always presumed I was protected from fraud and identity theft.The recovery process as defined by the FTC for victims of identity theft, like myself is literally exhausting and a full time job in and of itself.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : SUNRISE CREDIT SERVICE XXXX Date opened XX/XX/2022 Balance : {$660.00}

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 2019-03-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called in to make a payment on or about XX/XX/2019. I spoke to a representative who advised me of different payment options to bring my loan current. She told me that my payment would be around {$570.00} and that I would not have any capitalized interest. I specifically asked her about the amount of my payment and about the capitalized interest. She gave me answers to those questions before I agreed to the forbearance. She then put me in the IVR to say I accepted what she told me. Then, she set me up on auto payment and told me that my payment would be lower the next month because I would get the interest rate point deduction for being enrolled in auto pay. I called Navient on XX/XX/2019 to request that my next payment be drafted on XX/XX/2019. I was advised at that time that my next payment was going to be around {$610.00} dollars. This was higher than the representative quoted so I requested to be transferred to the department that handled this. 
I spoke with XXXX, a supervisor in that department. I asked him to review the phone call I had with the representative before I voiced my complaint, as I wanted to make sure I was remembering the XX/XX/XXXX called correctly. He reviewed the call and called me back. He confirmed that the representative did give me incorrect information. Specifically, she told me that my payments would be {$570.00} dollars per month and she told me that I would not have capitalized interest. She also told me that my interest rate would be reduced due to enrollment in the auto pay. She told me all of those things and that is what I relied upon in making the decision to enroll in this forbearance. He told me that it did not matter that she told me this incorrect information because I accepted the terms on the ivr system. He said there was nothing he could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX at around XXXX. I went to First Horizon Bank located at XXXX XXXX XXXX XXXX in XXXX TN. I attempted to make a deposit into my personal checking account using the drive up window but I was instructed by the teller XXXX to come into the bank. 

The teller XXXX stated First Horizon bank was going to place a hold on my SBA loan in the sum of XXXX. She stated that SBA funds could not be released into a personal account. I asked what could I do to clear the matter and I asked if I could open a business account to resolve the matter. XXXX stated the funds couldn't be turned over into a business account but I could still open a business account with an additional XXXX dollars. She also stated that even after submitting the necessary paperwork the funds still wouldn't be released for another 7 to 10 business days because of the hold on my account. 

I was instructed to come in with my : XXXX Tax Return along with XXXX XXXX, EIN number and a business license to be able to retrieve my own loan that was already approved by SBA 's rigorous approval process. 

This is an unreasonable requirement. The CARES Act that set up the loan program says you must be in business before XX/XX/XXXX. It doesnt say that you must have a separate business account before that date. The federal CARES Act does not require you to have a business account to be able to receive SBA loan money in your account. Self employed people are not required to have such an account. The bank can accept my deposit under federal law without a business account and there is no justifiable reason for them to hold my loan for an additional 7 to 10 business days. Also, you don't need a business license to open up a business account as a XXXX XXXX so why would I be asked to show a business license to gain access to funds that have already distributed to me directly from the SBA? First Horizon did not disburse the loan. 

A DBA name is not required by the federal law and it is not required by law if you use your own name as a XXXX XXXX. For the bank to require an EIN and a Business license to gain access to funds that have already been approved and released by the SBA is unreasonable and unnecessary. A DBA name doesnt make you more of a business. I am XXXX XXXX and I am a XXXX XXXX. I am legally able to use my social and my EIN to conduct business. Providing an EIN and a business license to be able to gain access to my own funds to further my business is deceptive and unethical. Holding my funds for an additional 7 to 10 business days after I have to show additional unnecessary documentation is also deceptive and unethical First Horizon has a history of discriminatory practicing and this bank needs to be investigated and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : 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 explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.

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 2016-10-31
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a company that reported a recent collection on my credit file which I do not have any collections in 2014. I disputed and requested validation and nothing. Re aging an old debt I thought was against the law? 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 explanation
Consumer complaint received 2021-08-28
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Currently my bank has been holding every check I deposit for 5 days regardless of the amount. I have banked with them for over 30 years and have not had this problem until recently. When I called to discuss, they claim it is the Federal Reserve who tells them to hold checks and not on their end. I find this a bit excessive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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: Account status incorrect

Complaint:
I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and Equifax. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Westlake Services, LLC
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:
On XX/XX/2021, this writer contacted Westlake Financial Services Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer. 

The next day on XX/XX/2021, Westlake Financial Services aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus. 

Since that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau. 

On XX/XX/2021, Westlake Financial Services Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS. 

AS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH XXXX TO HAVE THE ACCOUNT REPORTED BY WESTLAKE FINANCIAL SERVICES ON OR AROUND XX/XX/2021, REMOVED. 

ON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM WESTLAKE FINANCIAL SERVICES COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX  ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT. 

I'M ASKING FOR AS VERIFIABLE PROOF, WESTLAKE FINANCIAL SERVICES SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!

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 2016-09-07
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
My card was used unauthorized in total of XXXX. Its been two weeks now and i have gotten no where with this company. Customer service hangs up on me. I am told nothing of when I will receive my money. There is no way to escalate the matter. I am from XXXX my card was used in XXXX. No help has given to me in the matter at all. I have children and bills. This company is rude and i believe they are trying to keep my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
There is a class action lawsuit involving 5th/3rd Bank. It was found that 5th/3rd bank was charging certain customers higher interest rates on auto loans. I qualify to be a part of the class and I am eligible to benefit from the settlement. As advised by a CFPB representative I contacted 5th/3rd bank to get more information however after several calls and tremendous hold time each representative I spoke with did not have and/or refused to give me any information on how to participate in the class.

Company response to consumer: Closed with explanation