BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: STERLING JEWELERS, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My XXXX credit card I have with Kay Jewelers was closed in XX/XX/2020. I was not notified until I tried to make a purchase with the card in XX/XX/2020. I was hit with hard times because of COVID very badly. I did not receive a bill from XXXX  from XXXX-XX/XX/2020. I tried to make purchase in XXXX and was in the store and they notified me that the account was closed as I went to pay. My credit score was impacted badly by this account being closed and dropped a severe amount. I am now trying to start the process to purchase a house and being told my credit score is too low. With out the closing of this account on my credit report, I am confident that my credit score would be in much better standing. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Tuesday, XX/XX/XXXX, I received a text stating that my Chime card had been delivered and was in a green envelope ( NOTE : I never received this card or requested it ). I immediately contacted Chime customer service to report that I'd never requested a Chime account ; after repeated attempts via telephone, and no directions on their IVR prompt to either XXXX speak to a representative ; and/or ; XXXX report suspected fraud ( there is no IVR prompt to report fraud ), I did some research to see if they have an online portal or dedicated fraud phone line to report such incidents- of note, I was unable to locate any way to report this issue. Thus, as directed by their IVR, I sent an email to XXXX ( which allegedly offers XXXX support ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After no response, I went on XXXX to determine who is their Compliance Officer and was able to identify an XXXX XXXX ; I provided the following information ( on Thursday, XX/XX/XXXX ) : " XXXX XXXX : I have sent three different communications to the XXXX email box reporting that I received a text that my Chime Debit card was delivered. I provided to them that I never applied for the card and that I needed confirmation that it had been deactivated/cancelled immediately - that was Tuesday morning and still no response. In addition, as a XXXX XXXX XXXX myself, I am pressed to understand why the toll-free line does not provide any human contact or even an electronic way to report fraud and have it addressed timely. And, no compliance contact either to escalate issues such as this when it occurs. I have multiple mechanisms which allow non-compliance, or potential fraud ( which I also own within my organization ) or privacy incidents which may need to be addressed. I would appreciate your support here in assisting me with addressing this matter. I am concerned that perhaps someone has received a card, may use it for nefarious reasons and/or if they have also somehow now gotten my bank account information. Please let me know. '' I'd appreciate the agency please looking into this for me as I fear I've been compromised and they are not responding. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Larry H. Miller Group of Companies
State: ID
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:
On XX/XX/19 at approximately XXXX XXXX XXXX XXXX XXXX of XXXX pulled my credit ( hard  inquiry ) without my consent. I was there to look at a new vehicle and told the salesman XXXX XXXX " Do not pull my credit ''. His manager pulled it anyways without me signing the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hello Staff. 
On : XX/XX/2019, ORG BILLING ( XXXX ) ( app : XXXX ) Ref. # XXXX Paid in full : {$550.00} Bal. : XXXX I was told to complete the process using the XXXX. I wasn't mail or contacted for me receipt of transaction showing processed and complete. 

I went into store location only to be told to follow up with these people. Well they headed up process number two. Text me a paid in full letter, only to find out that it hold no value unless process completed through corporate. Who is corporate at this point I said. No one seem to know how to assist me with the closing is f this matter in full with these folks below : XXXX XXXX XXXX XXXX. 
Doc ID : XXXX Acct. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My amazon store card by Synchrony Bank has charged security fee without my permission/authorization. I never late to do payment and when I decided to cancel the protection there is no refund fee to my account. 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 monetary relief
Consumer complaint received 2018-12-24
Company: U.S. BANCORP
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018 I opened a savings account at U.S.Bank, the representative kept advertising thier credit cards and I replied I would like to wait and see if I had any pre-qualified offers. I signed for a debit card for the savings account and for some reason she took the same signature and applied it towards a credit card we discussed about. I didnt realize this happened until I got an alert on my XXXX XXXX and tried to correct the issue with the bank.

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 2018-12-24
Company: BARCLAYS BANK DELAWARE
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Barclays XXXX  Mastercard Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$150.00} on my account. The amount is inaccurate because I have not shopped or ordered anything from the following merchants. I recently received my current card ( just weeks old ) as a result of fraudulent activity. On XX/XX/2018, I noticed new fraudulent. I am more concerned with lack of protection and risk I have been subjected. 

Transaction Date Description Category Amount XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX XXXX XXXX XXXX DEBIT XXXX I am requesting that the errors are corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I would also like the evidence and source of charges I've identified as fraudulent and also a statement of all transactions that were denied. 

Sincerely, 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 2021-07-18
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a checking account statement in the mail from Wells Fargo, even though I have never in my life had an account with Wells Fargo. I called and they said there are actually two accounts in my name but I never created these accounts that were created in XX/XX/XXXX. They then said they would investigate and call back. They gave me a case number and phone number to call. I have never heard back and I wait on hold for hours when I call and no one answers. I did verify the phone number is the correct one for Wells Fargo ID theft department. 

The only time I gave Wells Fargo any information was when I was on a board of a historic association. I was 3 third person listed as as an account backup. I believe they fraudulently created these accounts to increase their activity.

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 2018-06-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: PA
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:
Disputed with the company on XX/XX/XXXX, it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response

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 2019-09-21
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-21
Company: Caliber Home Loans, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX XXXX.It ALL STARTED BETWEEN XXXX AND XXXX ON THIS COMPANY XXXX XXXX TRYING TO COLLECT A PAYMENT OF OF CABLE BILL I NEVER APPLYIED FOR OR EVER HAD RESIDENCE AT THE HOME WHERE THE CABLE WAS TO BE SET-UP. HOW THEY GOT MY INFORMATIOIN IS BECAUSE I DISPUTED MYSELF ON THEIR WEBSITE AND FILLED OUT A IDENTITY THEFT APPLICATION WITH THEM THAT SOMEONE AT THAT RESISDENCE FRAUDULANTLY USED MY NAME. I XXXX XXXX XXXX CALLED THEM NOT OR USED ANY CREDIT CARD NUMBERS TO GET THEIR SERVICE OR THEIR PREPAY BY CREDIT CARD PROGRAM THEY HAVE THAT WILL AUTOMATIC TAKE MONEY OUT OF MY CREDIT CARD. I TOLD THEM I NEVER LIVED AT THAT HOUSE OR ORDERED NOTHING FROM THEM I HAD MY OWN PLACE OF THEY WITH CABLE. I TOLD THEM THE ORIGINAL PERSON WHICH USED THEIR CELL PHONE AND CREDIT CARD MADE THE PURCHASE OF THAT CABLE FOR HIS USE NOT MINE. THE CREDIT BUREA AND THE COMPANY ITSELF INVESTIGATED AND NEXT THING I KNOW XXXX XXXX  WAS DELETED FROM MY CREDIT REPORT NUMEROUS TIMES OF SOMEONE BEING PERSISTANT ON MAKING ME PAY FOR SOMETHING I NEVER CALLED FOR NOR USED. AND I HAVE NOT SEEN THEM ON MY REPORT SINCE.NOW ITS 'S XXXX AND I RECEIVED NOT A BILL FROM THE ORIGINAL COMPANY I SO CALLED OWE AND THEY OR WHOMEVER OF THIS COMPANY AGAIN HAS WITHOUT WARNING OR ANY NOTICES PLACED ME TO THE CREDIT COLLECTIONS CALLED CONVERGENT AND THIS IS THE SAME COMPANY THAT WAS DELETED AND THE REST WHOMEVER KEEP PLACING TO THE CREDIT COLLECTIONS. I AM TIRED OF THIS AND I AM TIRED OF THIS SCAM AND THIEVERY OF GETTING MONEY OUT OF ME OF SOMETHING THAT DONT BELONG TO ME. NOW, THEY TRYING TO COLLECT XXXX FROM ME AS A DISCOUNT FROM A XXXX CABLE BILL THAT I SAID IS NOT MINE .PERIOD.PLEASE HANDLE THIS FOR ME. AND INVESTIGATE WHY I AM BEING HARRESSED SO OF SOMETHING IS NOT MINE BY THIS COMPANY OR COLLECTION AGENCY FOR WHICH I ALSO SPOKE TOO LONG AGO.IT 'S BEEN A ALMOST 2 YEARS OR 1 1/2 YEAR THEY HAVE NOT BOTHERED ME AND BEEN DELETED FROM MY CREDIT REPORT UPON NUMEROUS INVESTIGATIONS AND HERE I GO AGAIN WITH THESE PEOPLE. I AM ANGRY AND VERY TIRED OF THIS XXXX, NOW.HELP.SINCERLY 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 2019-09-21
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:
I checked my personal Equifax credit report, and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XXXX, inquire date XX/XX/XXXX, XXXX, inquire date XX/XX/XXXX, XXXX XXXX XXXX, inquire date XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX XXXX 2017 I went to the website www.transunion.com to access my credit report. I am aware that I am entitled to one free credit report per year, I was not aware that you get these reports from a special website.
On the Transunion website one of the big buttons is titled " My credit score & report '', which I clicked and followed the instructions with the hopes of obtaining my free credit report. On one page within the process I was asked for my credit card details, which I found strange. I reviewed the webpage to see if I missed anything about having to pay a fee. On that particular page there was no details about any charges that I would incur. 

I completed my profile and verified my identity. It was at this stage that I received an email with a summary of my " order '' showing that I will be charged {$19.00} per month for credit monitoring services. 

At this stage I reviewed the sign-up process again and there was indeed some very small print on some of the pages stating that I will be charged {$19.00} per month. It is however not clear at all that this is the case and I find their business practice and website design very questionable - it feels like I was scammed. 

I cancelled my subscription immediately and phoned them to voice my dissatisfaction. Without any hesitation the call center agent offered me a 50 % refund - this to me is a clear indication that this has happened numerous times before. Also when I cancelled my subscription Transunion enquirers as to the reason for my cancellation - one of the options available was " I was unaware that I would be charged. ''

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 2018-01-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had a TD checking account that had a {$2500.00} minimum balance to avoid monthly fees. I am a XXXX in college and studying in the XXXX. Before I left for college in XXXX 2017, I converted my account to a basic account so I could take my money with me to college. I left a small balance ( {$25.00} ) in the account to keep it open. When I returned to NY in XXXX I learned that my account had been charged {$15.00} per month for four months and then the negative balance of {$35.00} written off and the account closed. When I went into a branch, the representative told me I should have changed the account to a student account which has no minimums rather than a convenience account that has {$100.00} minimum. I was not told of this option when I converted my account in XXXX. I would like to have these four {$15.00} fees waived and my account reinstated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My Ex-husband (XXXX XXXX. XXXX XXXX)  and I had a mortgage that was transferred to XXXX XXXX XXXX.  After about a year, the mortgage account was then transferred to XXXX XXXX XXXX.  The mortgage is no longer reporting on XXXX or XXXX because the very first delinquency is over 7 years old.  I have disputed this account with both XXXX  XXXX XXXX and Transunion, and to this day, neither of the companies will fix this error and remove this account from my credit file.  I have been denied credit because of the account showing I am paying a monthly payment of XXXX and that it's reporting late payments 1 in 90 days and then 120-149 days late in XXXX of 2011.  I am so so so upset because they have caused me nothing but heart aches and pain and many unnecessary denials because they fail to correct the inaccurate 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 explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: PA
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:
Disputed with the company on XX/XX/XXXX, it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation