BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
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: Reporting company used your report improperly

Complaint:
When i went to the car dealership they said it would just be in house an I received a lot of hard inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX CO - XX/XX/XXXX XXXX XXXX XXXX XXXX car XXXX XXXX not supposed to run this credit check XXXX XXXX - XXXX dealership was not supposed to run this credit check XXXX XXXX XXXX  XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX  XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXXXXXX dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not supposed to run this credit check XXXX not authorized XXXX XXXX XXXXXXXX not authorized XXXX XXXX XXXX XXXX XXXX- car dealership was not supposed to run this credit check

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 2021-06-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today, XX/XX/2021, I received a statement via snail mail for a TD Convenience Checking account for the period XX/XX/2021 - XX/XX/2021. I did not open the account. I immediately called TD Bank XXXX to inform them of the fraud. I spoke with '' XXXX '' who said that he would speak with the fraud department and let them know. I asked him to email me a statement that I had reported the fraud, as proof that they are aware of the fraud and that I have reported it. He refused. I insisted that I need some proof that TD is aware that it is fraudulent, in case somebody tried to take out a loan or credit card in my name. He refused, then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Either Rooms to Go has been hacked or the company has a glitch in its system. I have had a Rooms to Go Store Card for about five years and has not used it for over a year. I can not log into my account nor can anyone at Rooms to Go assist with the problem. After speaking with Synchrony Bank and an update in address, I was able to make two purchases online about a week and a half, but Rooms to Go has no record of the purchases. However, Synchrony Bank has a record stating that one purchase is pending in which customer service placed a dispute to suspend the purchase. When I try to contact ( 1 hr hold time ) Rooms to Go, I am met with great rudeness and unprofessionalism, specifically, when requesting to speak with a supervisor. When I try to log into my account the transaction spins in outer space. No one seems to know how to fix the problem at Rooms to Go, and this non-action is preventing access to my {$1000.00} line of credit. No one knows what happened to the second purchase where I had to pay {$88.00} upfront due to credit limit with 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 2021-06-07
Company: BARCLAYS BANK DELAWARE
State: VA
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 Saturday XX/XX/2021 I was notified via SMS message asking me to confirm a charge on my Barclay Credit Card. I immediately responded that I had not made the charge and then called the number provided. I went through many of the charges showing with the representative and luckily there were only 3 fraudulent ones. We identified the incorrect charges, confirmed they were fraudulent ( I had never shopped at or heard of the 2 merchants in question ) they asked me a series of other question such as " was the card in my possession ''. After our conversation the charges were reversed and a new card was sent to me. 

This past Friday, Barclay card re-added one of the charges that was previously identified as fraudulent. After 2 phone calls and the one rep said there was no written correspondence as of this past Saturday I learned they reapplied the charge because the merchant provided evidence. I asked what evidence and apparently they shared a XXXX tracking number showing they sent something to someone. The rep shared the tracking number, XXXX with me. I had to XXXX it to tell them the package went to XXXX WY when I was in Virginia where I reside, as confirmed by their systems when they sent me the original SMS message and identified the fraud. I also shared I had never been to WY and again never heard of the website nor purchased 149 of random things. They are asking the " investigator '' to reconsider.

While I wait 7-10 business days, I am responsible for paying the charge as it has been added back to my credit card and my billing cycle ends this week. This is a clear and direct violation of the law, the intent of the law and statutory language. It is also apparent they never actually investigated anything to try and determine the accuracy of the merchants claim that I was the buyer. I am all but certain someone took my information and did order merchandise but the question Barclay has willfully ignored is whether I made the purchase. 

Any individual, trained or not would be able to look at my purchase history, payment history and consistent behavior coupled with Barclays own technology in flagging the charges to know and confirm this was fraudulent. Allowing Barclay Bank to put the onerous on the consumer to make multiple calls and have to literally do my own investigation ( I was asked what evidence I had of something I did not do?! ) is clearly a money grabbing business process that flies in the face of the intent of the law. 

Barclay needs to answer to its business practices and correct this asap, including providing interest for the overpayment I will make due to the billing cycle.

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 2021-07-06
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a landlord. In late XXXX and early XXXX tenants sent me money via my cashapp account. It did not deliver. When I called the person there said I should delete the account and start over. When I did I was frozen out of my account. I got a loop in the app which would not allow me to login with my name. 
I need this money which is XXXX. 
My cashapp account was my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CBC Companies, Inc.
State: CA
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 XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file. 


I would like to have these items removed or validated per 15 U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was always told I had a very low interest rate and that I was paying principle and interest, I just looked at my payments under the new company Nelnet and I saw my balance was $ XXXX. I have been on this loan since I graduated college and the balance has never gone down. I was told by the rep that they charge me $ XXXX {$4.00} a day on interest so my entire payment has gone to interest all these years have paid on my loan. How is this possible on a low interest loan by the government. I am XXXX and I owe more now than when I graduated college at XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: OR
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:
I registered with Experian to lock my credit report after publication of the Equifax data leak. I did not sign up for credit monitoring service. A month later I noticed a {$22.00} charge on my credit card from Experian for monthly credit monitoring. When I called to ask them about the charge, I was on hold for XXXX minutes. After getting through to a customer service representative and explaining my issue, I was placed on hold again for about XXXX minutes after which the call was terminated on their end. I called again and had a similar experience. This is clearly a dishonest scheme to trick people into signing up, or fraudulently sign up people, for their credit monitoring system and then making it difficult, if not impossible, to reach anyone to dispute the charges.

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 2018-09-28
Company: ARVEST BANK GROUP, INC.
State: AR
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:
XXXX of XXXX i recvd a call from my then XXXX year old cousin. He said his parents had kicked him out. I drove 4 hours to pick him up. He turned XXXX on XX/XX/XXXX. I took care of his needs financially until he got a job in XXXX. He asked if i would finance a car for him. We bought an old, used truck, he said he wanted. I put lots of money into this vehicle over the time he drove it. He signed a contract to purchase the vehicle and agreed to pay me XXXX monthly. He also agreed once he was working to pay me XXXX a month for rent, utilities. Some of these payments he did by wire transfer from his account to mine. XXXX to XXXX i believe. He became angry that i wouldnt let him drink so he left, leaving the car. He went to the bank and committed fraud by disputing the wire transfers. They pulled XXXX dollars out of my account, unaware of a contract. I want the money put back into my account. We both bank at arrest bank and i was on his account. The bank now has a copy of my contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: DISCOVER BANK
State: TX
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:
I have attempted to resolve a dispute with XXXX for months with them in excess of 3000 dollars. XXXX has said I am due the refund, the item has been proven returned and the lack of refund is merely a formality. They will not speak with XXXX for me to clear this up. I have spoken with them and XXXX for hours each day for over a month with no resolution. I have submitted multiple photos for evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Comenity bank/XXXX is reported to my credit report that in XX/XX/XXXX I was recording 30 days past due. I sent my payments via online banking system before due dates which didnt process until a few days later on XXXX of XXXX $ XXXX of XXXX $ and XX/XX/XXXX of XXXX XXXX The bank is Not reporting my payment history accurately. I wrote them a letter and they responded saying that they can not change that that reporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: DISCOVER BANK
State: TX
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:
In Reference to XXXX Beginning in 2014 I began a membership with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX these are all the same entity, an international dating and overseas bride introduction service as they claim. 

! ) Over more than 2 years there were several charges and amounts made by this company some of which were authorized by myself and some were charged to my account without my authorization. The amounts could vary from {$390.00} to {$240.00} to {$99.00}. 

2 ) XXXX XXXX does not run a legitimate service! They run an illusion that does not functionally exist, only as per billing the customer and deceiving the customer with artificial software, staff writers portraying themselves as female members, fake profiles, and a slick graphic onscreen presentation will you find services rendered but they do not perform the services they advertise and imply! Those services are supposedly communicating with women interested in meeting and marrying a western or American man. They have no intention of delivering that stipulated service that they advertise! It is all a scam and just because Discover says they talked with the other party does not resolve my dispute as this company XXXX XXXX will lie cheat and steal from their customers so hwy would they tell the truth about their credit card billing? 
Discover has no desire to rightfully resolve this dispute! This makes them as criminal as the entity that deceived me! 

3 ) Discover has made no serious effort in the slightest to resolve what should be a clearly proven case for a refund! They are merely stonewalling while negatively reporting my credit score! not only do they shirk their responsibility to the consumer they are enabling a criminal operation to continue making million on thousands of other male customers! I demand a refund and correction of my credit status and Discover is refusing using their policies as an answer to criminal acts that have no related statue of limitations!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not my debt. ref XXXX Attached you will find details of the payment, made by XXXX, at the time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was a little low on my Checking account for the monthly service fee and the bank took the service fee and made my account in overdraft status. I went in and the teller informed that the fee is paid regardless if you are elderly or not. I couldn't believe what I was told so I put money that I didn't have in the account to bring it current because the overdraft fees can become very costly and you can be put into XXXX XXXX for an overdraft account. This is terrible because these bankers make money off of these accounts without people even knowing it. They get insurance and make money every month for you staying alive. There are many deceitful ways that the bank makes money off of the people. when you make a deposit they make it seem as if they are making a deposit in their accounts.as well and call you an authorized user but you open the accounts and all these banks need is your signature and they can go to the Treasury and get deposits for them to do whatever they want to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO
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:
The company is the NCTUE, a credit reporting agency for utilities and phone companies. 
XXXX XXXX XXXX : NCTUE sends me a postcard alerting me that there is derogatory/delinquent information on my record. 
XXXX XXXX : I send a reply letter to NCTUE asking for my full report, in accordance with my state 's laws requiring full reports be furnished ( Colorado ). 
XXXX XXXX : NCTUE sends its full report to me. My main complaint is that the report claims that I have a delinquent {$150.00} from XXXX on account number starting with XXXX ..... This is just not true. I contacted XXXX and documented evidence that there is no such delinquency for the address that I was located at during the year reported - XXXX. They claim I owe something that the company itself, XXXX, does not claim that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitting this complaint regarding the Fraudulent information reporting on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was XX/XX/2022 with complete attachments of my Personal information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The items listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  Balance {$0.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX Balance {$850.00} XXXXXXXX XXXXX Balance {$0.00XXXX XXXX XXXX XXXX  XXXX Balance {$83.00}

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 2017-12-14
Company: EQUIFAX, 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:
On XXXX XXXX, XXXX, I sent the attached Certified Letter to Equifax. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted.

I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX XXXX is NOT PHYSICAL VERIFIABLE signed contract by me.

These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ).

I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Frontline Asset Strategies, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a hit on my credit for a phone bill with XXXX XXXX . I have not been with that company for 10 years. I contacted XXXX and they find no record of me. They had me go in store could find no record of me. XXXX has filed a dispute with Frontline Assetts. I called Frontline Assetts directly. She was very nice and said this came up only a few years ago ; verifying it is not mine. The problem is Frontline Assetts wants me to pay {$170.00} to try to solved the dispute. That makes no sense for one and second again that this is not my debt. This was after Frontline Assetts making me give them my CC to pay a XXXX $ feom some company to verify my information, which, of course, made no sense. And, now, I have to cancel with that company before I get charged XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
this a letter that iv recieve from XXXX collection about an amount of XXXX XXXX to pay as balance on an apartment in XXXX XXXX XXXX i have to inform you i have never been live in this apartment even in this area i live in XXXX since 2019 and then suddenly i recieve this letter from this company im not the personne that they suppose to contact.

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 2022-03-17
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I came down with Covid back In middle of XXXX and had to be out of work for 2 months due to the complications I was experiencing after the sickness. The doctor I was seeing finally released me to return to and on XX/XX/2022 my job terminated my employment while I was on leave which I didnt understand. Im currently unemployed and searching for a job so far havent received any calls yet.

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