BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt. 

THE BUREAUS INC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a new car on Friday, XX/XX/2020 from XXXX XXXX of XXXX. I was never show multiple options for prices or leasing options. I was not told my credit would be run multiple times. I was shown one finance option, with Suntrust Bank at 5.9 % for 84 months, and told that was my only option. I subsequently learned this was false and I was entitled to see multiple options with multiple lenders, etc. 
Additionally, I was misled about additional products that were included on my loan as GAP insurance. I agreed to GAP insurance and learned that an extended maintenance contract was added with GAP insurance. The finance representative told me I could cancel GAP later for a refund. I wen t back to XXXX Sunday XX/XX/2020 and was told no one could help me. I returned to XXXX twice on Monday XX/XX/2020 and attempted cancel the loan or modify it. I called the lender, Suntrust, and was initially informed that I could cancel the loan and then, once at the dealership again, Suntrust reversed course and stated only XXXX could cancel the loan. XXXX would not. I then asked to remove the extra services I did not ask for that were added with GAP insurance and told that the money would be applied to the principle of the loan balance in 120 days and I personally would not be getting a refund or a reduction in my monthly payment. When GAP was explained to me the financier representative told me any unused portion would be refunded. The paper I signed for GAP states that I could cancel in 30 days without penalty. I will have to check with Suntrust to see when the " refund '' is applied to the loan. 

When I asked about a hidden fee that was not explained to me at signed the finance representative told me he did not have to explain it, because I did not ask about it on Friday. 

I have subsequently learned that this dealership has changed names multiple times to avoid negative reviews. I am now stuck with a loan that is approximately {$5000.00} more than the value of the car. The car price was {$22000.00}. With the added fees and maintenance contract that cost became {$27000.00}. GAP added {$850.00}, the unwanted service/maintenance added {$2600.00} and the mysterious TLP fee added {$450.00}. All of this is financed through Suntrust, which will now receive over {$31000.00} for this car. 

I am not disputing that I signed these papers, but the papers were not clear. The dealership engaged in misleading and false representations of what I was being sold after preventing me from seeing multiple finance options I was entitled to see. Suntrust Bank is complicit in these practices. I was told Suntrust was the only finance option.

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 2018-07-02
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I want to file a complaint against Webster Bank. Without my consent or prior knowledge and without any checks written against my account by myself or others, on Friday night XX/XX/XXXX, webster bank processed a check against my checking account for {$990.00}. My account only had {$970.00} in it. So they set my balance to XXXX. I was notified on Saturday XX/XX/XXXX of the withdrawal from my account and I called their XXXX number on Saturday morning. I was told that it was their mistake and that the department responsible for the error could not be reached until Monday. I was also told that they would contact that department on Monday and that by the XXXX I should see the money back in my account. When I called on Monday XXXX, I was first told that they could not get in touch with that department but they would call me back once they did. I did get a call back later today, informing me that the funds would be put back in my account on Monday night after XXXX.

The funds that I just received on Friday morning from my paycheck were not available to me for 3 days, one a full business day. This is not an acceptable way to do business. How can they clear out someones checking account and not correct the error for 3 full days? How can this be acceptable. As of this writing I am still waiting for the error to be corrected tonight after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Placed a credit freeze with Experian in XX/XX/2017 after the XXXX  data breech. I wanted to temporarily unfreeze my credit with Experian today and was unable to do so. I have the PIN that was issued at the time of freeze and that still didn't work. Now they want me to mail a letter generated with the denial, along with three other forms of identification. I had no issues unfreezing my credit with XXXX or XXXX today, so not sure why Experian is not complying with the new federal law that requires my credit to unfreeze within an hour. Additionally, there is no way to talk to someone over the phone.

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 2018-10-06
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Tracking number XXXX XX/XX/2018 transfer amount {$170.00} USD Total pay in cash {$180.00} exchange rate XXXX XXXX Tranfer amount XXXX XXXX Western Union has yet to correct the convertion mistake they made and are requiring I pay more money for them to correct their mistake. I have called several times and emailed all requested documents proving the failure to convert the correct amount. Several cases have been created to in attempt to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One has decided to decrease the credit limit on a card that I no longer use regularly as of XX/XX/2020. The credit limit was XXXX and is now down to XXXX. A reduction in available credit of XXXX is detrimental to a consumer 's credit score and can negatively impact a consumer 's ability to purchase or refinance a home or vehicle. According to Capital One they have done this to many consumers, some of whom may be in the middle of a home mortgage transaction where a decrease in credit score could mean the difference between an underwriting approval or decline. Capital One does not have the right to harm consumers in this way. I called Capital One today, XX/XX/2020, to explain this to them and they refuse to reverse this harmful decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Tide water keeps removing and replacing account on credit file. They have the account with a past due {$760.00} balance with its suppose to be {$0.00}. They will remove it one month and replace it the next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I linked an external account to my new account at BBVA Compass and did a transfer of XXXX dollars. I didnt see the withdrawal on my online banking so I called XXXX and learned that they allow ACH deposits but not withdrawals. I notified BBVA both over the phone and via online banking about the problem. I also did a XXXX XXXX direct to bank deposit for XXXX dollars and another for XXXX, the account was never overdrawn and I continued to use it. Several days later I was told the account would be closed due to fraudulent ach transactions I disagreed with that stance but I dont have any recourse with their decision. Now I just want the funds sent back to me. Its been more than two weeks and I cant get an answer from BBVA compass on where the funds are or when I will get them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
this is not my first attempt to contact someone at Discover Student Loan to get assistance with lower my monthly payment. As a matter of fact I have been trying for years without any success. I have emailed, called and even tried to contact the president of the company without 1 single response!! Customer service repeatedly states there is nothing they can do to help me with my situation. And yet their website and different articles I have read states how Discover Loan is one company that assistances their borrower that are having problems making their monthly payments. What do I need to do to get help?!?! I have tried to honest with Discover regarding my financial situation and yet they have not even asked for a copy of my XXXX or any financial documents. I have repeatedly stated my intent was not to walk away from my financial obligation however I need HELP!! Can someone please help me make my payments affordable??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There was companies that are reporting on my credit report that do not belong there. 
I am a victim of identity theft.

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 2020-08-25
Company: Experian Information Solutions Inc.
State: TN
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:
This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but experian and XXXX reporting open dates of XX/XX/XXXX the date of last activity reporting experian XX/XX/XXXX and XXXX XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can experian report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...

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 2018-05-01
Company: SYNCHRONY FINANCIAL
State: TN
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:
SYNCB/WALMART does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason XXXX can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of XXXX  and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.

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 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Recently I noticed a company called XXXX XXXX XXXX Reporting a debt for XXXX XXXX amount XXXX .. I called them and advised them this debt was included in bankruptcy case # XXXX chapter XXXX discharged XX/XX/05.. their response was we don't have any information about that.. when I researched this company, they attempt to collect old debt. They are still reporting this debt to the credit bureau which is affecting my credit

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 2020-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX  CONTINUES TO  REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX  as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : 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 2018-05-01
Company: Experian Information Solutions Inc.
State: TN
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:
Old Case # XXXX No one can validate this XXXX 's account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.

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 2018-10-06
Company: First Data Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was trying to purchase some merchandise thru XXXX and received a decline notification. There was a message that said my payment method which was my bank account was declined as your preferred form of payment. It then gave me a phone number to Tele-check and I called them. I was told that there were 5 previous charges that were returned to Telecheck from my bank as Non sufficient funds and I would have to pay for the charges and an additional {$25.00} for each debit that was returned which turned out to be which. So they wanted me to pay an additional {$120.00}. I then checked my bank account and so those five debits cleared my account on XX/XX/2018. This happened today XX/XX/2018. Then I called Tele-check back and then they said no this was the second time we put this thru. And then I stated to them those debits cleared my account on the night of XX/XX/18 posting on XX/XX/2018. She said you the to pay the NSF fees of {$120.00} even thought the charges cleared your account. And she also stated that the charges still show outstanding in their system. I am not paying an additional {$120.00} for items that have been paid by my bank. She then said that they have already processed the fees to go through my bank any ways and if I don't pay them then I will not be able to use my bank account to pay for anything on XXXX. I told her I am not paying any fees especially when the items have cleared the account. Attach I have my bank statement showing the items cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: BARCLAYS BANK DELAWARE
State: SC
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:
On XXXX XXXX, XXXX XXXX switched from XXXX XXXX to Barclay 's for credit cards. 
I made a payment XXXX {$12.00} to XXXX on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX. 
This amount was posted to my account on XX/XX/16. It was then credited to my Barclay 's account. Barclay 's says I still owe {$12.00}, although my account shows a XXXX balance. Because I was getting past due notices, I went ahead and paid the {$12.00} again. Barclay 's also added a {$2.00} service fee, which they later removed. I have made numerous telephone calls, and customer service has not resolved my problem. 

I also filed a written dispute with the bank, and I started receiving messages from the president 's office. They leave a call back number, and I call back and get a voice mail box. I have left 3 messages with no call back. Then I received an email saying they are unable to contact me and gave me a phone number to call. I called the number, and there was a message that I had won a gift card from XXXX. This did not sound right to me, so I hung up. 

I checked my account again today and saw there is a {$0.00} current balance with a statement balance of {$14.00} ( {$12.00} plus the {$2.00} service charge ). I can not get any help from Barclay 's. They promise to correct the error and agree there is an error.

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 2019-03-15
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company harassing me is : NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX PO Box XXXX This is a co-signed loan that was discharged 15 years ago through a bankruptcy. 
I have told them verbally and through a letter to stop sending these letters. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
There is american express reported on my report opening in XXXX. I was XXXX years old then. There is no way that is my card that was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
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: Their investigation did not fix an error on your report

Complaint:
XXXX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR MEDICAL SERVICES.  ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. XXXX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.

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