BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I bought auto insurance for my car from XXXX XXXX XXXX, and I paid {$200.00}, then I made a cancelation on the same day, then they refund my money to my bank account. And that is it. And then they called me to pay {$200.00} again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Since XX/XX/2021, I have been charged {$420.00} in NSF and Overdraft fees. I lost my job a few months ago, and am still actively interviewing/applying and aggressively searching for work. I havent been able to keep up with my negative checking account balance that keeps getting bigger and bigger each week due to these fees, and in addition, cant afford my credit card payments. My credit has tanked, and at this rate when I do secure employment again, most if not all of my paycheck will be going towards these fees alone. In addition, I receive upwards of 5 calls every day from different numbers from BOA about my negative balances, even though when I initally received these calls I spoke with an agent 2 different times explaining my situation and asking them to reverse the fees, which they said they could not. I have been a loyal BOA customer for over 5 years now, and for all 5 years, up until now, I never missed a credit card payment and always paid my entire balance in full. I am overwhelmed, terrified, and cant get approved for absolutely any credit cards for balance transfer to try to get ahold of this debt. Also, I can not be approved for absolutely any personal loans that do not have an interest rate upwards of 100 % or more.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX- XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report.

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.

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 2020-04-30
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: Information belongs to someone else

Complaint:
I took a look at my report and there are fraudulent accounts displaying on my 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 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Due to the covid-19 pandemic, I was stuck overseas from XX/XX/XXXX to XX/XX/XXXX. My XXXX XXXX XXXX Credit Card XXXX by Bank of America was closed due to long-term inactive. Since I was not able to reach any physical mail notification sent from Bank of America, I had no clue the card is closed till XXXX. I contacted Bank of America to figure out any solution to recover my credit card and the unused reward points on this card in XXXX and the initial agreement between me and the agent is that it is not possible to reopen my account but BofA will issue me the points value in money and send me a check. After a long period of time, there is no follow up from BofA until I create a claim in cfpb. BofA close my case on sided without contact me with any solution. We had conversation in XXXX after I submit my feedback but the latest response from BofA is that it will not reopen my account or give me money back for the losing reward points.

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 2018-11-12
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or Helvy, ( collection agency ) until it was turned over to collection. I sent two letters to Helvy explaining the situation and that the bill was due / paid by the new homeowners. Zero response from Heavy. 
Finally when I saw the collection on my credit report, I called Helvy and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify Helvy that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by Helvy is costing me a mortgage and poor credit score. 
Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not the owner of XXXX XXXX XXXX, and XXXX   XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX, I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2019-09-03
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Key Express Checking account with Key Bank on XX/XX/18 with the promotion code XXXX. The offer said that I needed to make a {$500.00} Direct Deposit within 60 days of opening and I would receive a {$300.00} bonus. I met that requirement and Key Bank agrees. But Key Bank is now saying that I needed to make 5 debit card payments from the account within the first 60 days, which I didn't do, but this was not listed on the terms of the offer. 

I'm attaching my confirmation email that says I opened the account with the code XXXX, as well as the offer that I had printed off from Key Bank that shows the only requirement was to have a {$500.00} direct deposit and says nothing about 5 debit card payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I have an unauthorized inquiry on my credit report. Possibly due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: NV
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:
It shows on my credit report that I have a debt balance of XXXX for a medical bill originally from XXXX XXXX. This debt does not state my name, address and what this debt is specifically for, in which this debt is unverifiable and I would like proof that this debt is actually mine or could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

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 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), XXXX ( {$720.00} ), Capital one ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. 

On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. 

Please visit XXXX for all paperwork and full documentation regarding this matter. 

On XX/XX/XXXX I sent a letter to Capital One in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from Capital One stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her Capital One card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. 

On XX/XX/XXXX I sent a letter to XXXX in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from XXXX stating that my dispute was against my favor and considered this charge to be valid. 

Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of Capital One and XXXX. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. 

As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. 

Thank you for your urgent help with matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/19 my name was used for XXXX XXXX and was updated past due on XX/XX/19 for {$400.00} and I have not registered for any such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX/XXXX/XXXX td bank said they were blocking XXXX I spoke to a supervisor and this is what he told me, this seems unfair as I think all financial institutes should offer fair services, also I had used this bank before to deposit crypto funds with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
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:
THIS IS NOT MINE. EQUIFAXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police 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 2020-04-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
The PayPal Credit overview page on the internet, which is run by Synchrony bank has misleading information that leads to shady practices and them collecting interest on balances that I thought they were helping me avoid. First, the PayPal credit overview page makes it very difficult to understand the regular purchase accrued interest balance from the deferred interest balance. Then it shows an " Amount to AVOID Standard and Deferred Interest '' which makes one think that the amount will then be split between the expiring special financing purchase balance from that month and the regular purchase interest accrued, so that I can avoid paying standard interest balance. Wrong! The representative I chatted with stated that any payment beyond the expiring special financing purchase balance gets applied to other special financing purchase balance that is expiring at later dates unless I specify how to split it. By doing this, they then continue charging interest on regular purchases that I was trying avoid ( and that they were leading me to believe I was avoiding ) and defeats the purpose of highlighting Amount to AVOID standard and deferred interest as I am not really avoiding any interest if they are IMPROPERLY applying my payment beyond the expiring special financing balance to other deferred interest and not how they are making you believe its being applied. Case in point, my deferred interest balance expiring in XXXX is {$440.00}. The " Amount to AVOID Standard and Deferred Interest '' shows as {$550.00}. If I send that payment, they don't automatically allocate the extra {$100.00} towards my standard interest balance unless I tell them, instead they would apply all the balance to deferred interest balances, thus continuing to charge standard interest on the balance of {$100.00} that they had led me to believe I was going to avoid. I have been paying the " Amount to AVOID Standard and Deferred Interest '' for years thinking that I was avoiding interest, when in reality I have not. If this is not shady, I don't know what is. In contrast, the XXXX XXXX Credit card will apply balance first to any deferred interest that is expiring that month and any over payment to the standard interest balance, thus truly helping me AVOID standard interest.

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 2021-10-16
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hi On Sunday XXXX the XXXX. 2021 between the hours of XXXX - XXXX ( XXXX  ) i called ( XXXX ) way2go program which is under XXXX XXXX  and selected 7 to get the result of my dispute but they do not provide any service and keep saying that he/she will transfer me to the dispute dept..even though i already selected the dispute dept ( button 7 ) and make me wait forever with no answer. After that day i have been getting the same treatment for 5 days regardless on my every day/ night calls Apparently they are just lying just get rid of the call. 
My dispute file number : XXXX The amount is XXXX $ Best regards XXXX XXXX. 


Sent from my XXXX  By XXXX XXXX XXXX XXXX Device XXXX  for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work 11 hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.

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 2021-04-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my care credit card off. After I paid it off they drop my credit line from {$1500.00} to {$100.00} I only use this card to take my animals to VETS now I cant even do that but with this credit card company did. This is not the first time they have done this to me I had a gas card with them paid my bill every month on time and they canceled my card something needs to be done about this company. I am sending a copy a bill showing it was paid in full never missed a payment never been late. They tried to charge me interest and late fees many times when my bill had no interest and was paid on time and not late and I called and complained about it. They are discriminating me due to my credit rating and drop that is discrimination they get their money every month

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 2020-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, I changed my phone number & network provided from XXXX to XXXX XXXX. 

I have made upwards of 30 attempts to change my phone number via the web portal, and have made multiple phone calls to the customer service team. 

These calls have ranged from completely useless ( First Communication  XXXX ) to helpful but unsuccessful ( XXXX - XX/XX/XXXX ). 

I no longer have access to my old phone number, however it is still listed as the primary means of Two-Factor Authentication. This is a huge security risk as someone could claim this number and pretend to be me. No  other finanical instituation has had an issue with this change ( XXXX XXXX, XXXX, SSA.Gov, CA State, Federal ) For the last time, this phone number is not a VoIP. It's not my fault you never update your systems. You are putting my financial information at risk by not complying.

Company response to consumer: Closed with explanation