BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-11-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent/XXXX  XXXX  keeps sending a bill in which is over 7 years with wording stating if I pay I'm agreeing to reinstate the date of statue of limitations which is not a valid date I keep getting letters one after another from the same company reworded or some kind of trick to reinstate the debt in which they have different dates or change. the debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Bread Financial Holdings, Inc.
State: GA
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:
I have contacting these companies several times. I have notified them several times that the accounts they are reporting are fraudulent accounts that were not authorized by me. Commentiy Bank stated they were going to resolve the issue. I've spoke with several reps with most of them saying they don't see the investigationXXXX XXXX XXXX  only updates the report as disputed and they continue to verify the account as accurate and it's not. XXXX XXXX same issue as XXXXXXXX XXXX It makes no sense that I'm having to fight so hard to get my idenity back and these companies allowing people to open accounts in my name. Comenity has allowed these thieves to open not one but 4 cards in my name 2 of the four is with the same store. This has made my life XXXX. And the worse part whoever took advantage of me did it while I was in an XXXX XXXX waiting for a new XXXX. Please help me in fixing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: ALLY FINANCIAL 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:
On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.

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 2022-09-02
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have this problem with chase bank i have a saving account but i havent use it for long time so when i try to use it i call and they told me that my account is inactive and that they send a letter notify me but i never recieved one so they want me to step on a branch but i cant go i live in XXXX and i just came out of a XXXX and i really need to have acces to my money because i need to continue with my medical treatment plus i need help to get access to my online banking because i need to updated my contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Common Wealth Financial attempting to collect a debt not owed. Original creditor was provided with the necessary information to obtain payment and failed to do so. Common Wealth Financial was also provided the same information and refuses to correctly bill and or remove the item in question from my credit report. The amount of {$1000.00} should not be on my credit and or owed and was recently updated as supposedly accurate on XX/XX/2018 after a dispute that was filed where the information was again provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: CITIBANK, N.A.
State: OH
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:
In XX/XX/XXXX I had several unauthorized charges made to my account- I worked closely with Citi Bank but finally right before XXXX I was told that I would NOT be compensated for the unauthorized charges which were a little over 1,700 - their reasoning was that I was honest and said I never lost my card and since it was a chip card and they say it was swiped they say I am lying that I made the charges- I have requested several times since then - most recently during the phone call during my last complaint for proof that they validated the charges using camera footage or by comparing the receipts ( in XX/XX/XXXX they requested a copy of my DL to compare and it was sent immediately ) during this most recent conversation I was told that they did not have to tell me if they validated the charges- which I know is not correct - I am asking for assistance- I am not trying to get out of the money I spent just get assistance with the money that was not authorized

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 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need to open 2 chargeback request for 2 transactions made with my XXXX debit card ending in XXXX... 
I tried to reach the bank but all the phone numbers they provide are not working, the phone calls can not be completed. 

Transaction 1 : Purchase made on XX/XX/XXXX, XXXX XXXX XXXX, must be delivered to my address on profile XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX on or before XX/XX/XXXX Transaction 2 : Purchase made on XX/XX/XXXX, XXXX XXXX XXXX, must be delivered to my address on profile XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, PA XXXX on or before XX/XX/XXXX I tried to reach the merchant several times by telephone and email. They never answered and also never provided any kind of shipment information like tracking number or delivery confirmation.

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 2018-04-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: NV
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:
XX/XX/XXXX PRESTIGE FINANCIAL SVCE pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. OnXX/XX/XXXXI filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.

Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.

From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( PRESTIGE FINANCIAL SVCE ) and they could not release information because some of the information did not match what I what information I had.

However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. onXX/XX/XXXX a total of three times in a matter of a three-month span time.

As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Brock & Scott, PLLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX CLAIMED I OWE THEM MORTGAGE MONEY, I ASK THEM TO PROVIDE THE ORGINAL NOTE OR THE NOTE THAT CLAIM I OWE SUCH NOTE TO THEM, THEY COULD NOT. THEY TRY TO SELL MY PROPERTY IN FORCLOSE SALES ; I FOUND OUT THROUGH A SOLICITING ATTORNEY 'S LETTER. I FILE FOR BANKGRUPCY TO PROTECT MYSELF, I TOOK THEM TO COURT ; BUT THE JUDGE IS DENYING MY PETITION BECAUSE I AM PRO SE. I NEED YOUR HELP THIS PEOPLE ARE NOT LICENSE TO PRATICE IN MARYLAND. BUT THE COURT IS NOT PROTECTING US AGAINST THEM PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer may furnish an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am the subject of an improperly handled bill payment transaction with PayPal Credit ( Synchrony Bank ) for two lines of credit -- one interest-bearing at 12.99 percent and the other at a promotional rate of zero percent for six months. 

I am reporting this issue to the CFPB to ensure that Synchrony Bank does not benefit from any penalty revenue paid and that I am properly refunded. I also hope that Synchrony Bank is held liable for this and that this serves as evidence of negligence on their end in any future legal proceedings. 

On XX/XX/23 I called PayPal Customer Service to make a payment to PayPal ( Synchrony Bank ) prior to my due date of XX/XX/23. I asked PayPal to charge my bank account {$490.00}. I asked them to first allocate roughly XXXX dollars of this, the minimum payment due on the interest-bearing account, to the interest-bearing account. I then asked them to allocate the balance of this payment to the zero percent promotional account. 

On XX/XX/23 I was notified of a missed payment by Synchrony despite having asked them to post my payment. I called customer service and spoke with a " XXXX XXXX '' ( Confirmation # XXXX ). This individual told me they remedied my issue and that my account was no longer delinquent. 

On XX/XX/23 I received a letter from PayPal Credit ( Synchrony Bank ) stating that they could not make the allocation as requested because my XXXX payment was past due. 

I then called PayPal at XXXX XXXX on XX/XX/23 and spoke with an account manager in the Customer Service Department by the name of " XXXX '' who had been with the company for six years. XXXX informed me that I didn't pay my bill and as a result I could not make my allocations as desired. XXXX also told me that I had to pay double the minimum payment on my interest-bearing account ( XXXX and XXXX bills ), and that the rest of the money would be allocated to my special financing rate. 

I then decided that Synchrony 's services weren't worth my money and that they didn't need my interest revenue, so I paid my bill in full at XXXX dollars for both accounts. 

I have attached an XXXX Sheet with my calculations to justify my allocation request.

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 2018-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 Sunday, XX/XX/XXXX, I made a purchase for a meal at a XXXX XXXX Restaurant located at XXXX XXXX XXXX, XXXX, CA XXXX ( Store # XXXX ). I was told by the restaurant attendant to wait 30 minutes for the order that I placed at the drive thru window of the restaurant. The order was untimely and I was not properly treated by the attendant of the restaurant. I canceled my order and did not purchase from the restaurant. 
On Tuesday, XX/XX/XXXX, a charge in the amount of {$7.00} was posted on my credit card account for the same order. I initiated a charge dispute with Capital One as I was unable to obtain a refund from the merchant. On XX/XX/XXXX, I received an email confirmation stating that an investigation was initiated. ( See Attached Email dated XX/XX/XXXX ) Capital One requested further information about the dispute and this was provided to them. 
On XX/XX/XXXX, I received a letter from Capital One stating that the investigation initiated by Capital One was completed for the transaction and that based on a previous review of the transaction the investigation was decided appropriately. ( See Attached Letter from Capital One Dated XX/XX/XXXX ) As of the present date, no refund has issued by Capital One or merchant for the charge that was made to the credit card for the food item that was not purchased. Capital One was unable to resolve the transaction dispute favorably on the basis of the facts provided to them where a refund was warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original order for the XXXX XXXX XXXX XXXX XXXX was made XX/XX/XXXX, a shipping notification was sent to meXX/XX/XXXX but I did not receive any package.

I found out a week later that XXXX  delivered the item ( Tracking # XXXX  ) to an access point at XXXX XXXX  onXX/XX/XXXX.

On XX/XX/XXXX, I picked up the equipment at the XXXX XXXX XXXX. Equipment was not unable to be installed as the apartments wall jack for cable was concealed with paint and can not be fixed. Equipment was then returned to the XXXX  store unused on XX/XX/XXXX ( Tracking # XXXX ). I made another phone call to XXXX XXXX XXXX for cancellation confirmation ( Cfm # XXXX  ) and dispute past statements. Representative named XXXX confirmed that no payment was needed and it will take 7-10 days to process documentations/letter. I received XXXX XXXX XXXX survey in regards to cancellation request onXX/XX/XXXX but then a letter stating that a final bill was sent with the balance due of {$220.00}. Noticed a collection notification from a company called XXXX  on XX/XX/XXXX, I therefore called XXXX XXXX XXXX again XX/XX/XXXX to file another complaint, representative named XXXX  advised to wait for final bill as it was never send out and advised me to wait. I never receive a formal final bill but multiple collection notifications from a company called Diversified ( Dated XX/XX/XXXX andXX/XX/XXXX). I checked my credit report and noticed a " collection '' status. I filed a dispute online with Diversified XX/XX/XXXX but did not hear hearing anything nor confirmation email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Carvana Group, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
After I tried trading my vehicle after 2 faulty cars that should not of been allowed on the road I was done with caravan.. its been over a week and they have yet to pay off my XXXX XXXX car loan.. I have called every day and they keep giving me the run around. They have not even sent a check k out. I sold my XXXX XXXX XXXX to carvana and they have not paid my car loan off. They won't do anything but give me a run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Velocity Portfolio Group
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CKS prime investments , llc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.

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 2018-11-26
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home on XXXX XXXX, Florida. XX/XX/XXXX house was hit by tree and then hurricane. My insurance company is XXXX. It is now XX/XX/XXXX. My insurance company finally after over a year of fighting and attorneys from both sides involved settled out the claim. because Suntrust is our mortgage company the monies went to them. My first contractor that did demo put a lien on the house until Suntrust paid them in full. it was very difficult to go through their website to work with them. They required emense documents on the claim and even though we settled out of court XXXX attorney with our personal attorney they struggled to accept that we do not have an adjusters report for the damages because XXXX made multiple mistakes during the process. We do have the settlement docs and so Does Suntrust. 
We are back to trying to finish the house and make it livable. i have been trying to schedule final inspection and it has been cancelled numerous times by Suntrust because they are unwilling to find another Independant Inspector to go to XXXX XXXX. they refuse to schedule during regular working days Monday thru Friday XXXX. Without the inspection they will not pay out the balance of the claim to the Contractor. 
Suntrust has treated us terribly on this. The stress involved in getting Suntrust to release money and pay out contractors has been more than homeowner should have to go through. I reminded Suntrust that the money they received, about {$380000.00} worth came from my insurance company for the damages to my house and it seems very suspect that Suntrust does not want to make the process easy. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation