BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
My XX/XX/2020 XXXX XXXX statement listed a charge of {$24.00} made by EXPERIAN. I never authorized or knew of any kind of a charge on my XXXX XXXX card from EXPERIAN. I am a XXXX XXXX XXXX veteran and I have had an XXXX XXXX card for years. I never checked by billing statements as closely as I should have. When I contacted XXXX XXXX they admitted it was illegal for someone to use my XXXX XXXX card without my permission but their only advice was for me to contact EXPERIAN. I did some back checking and discovered that I have been paying this monthly {$24.00} charge for years. 
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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I wrote All three credit reporting bureaus ( XXXX, TRANSUNION, XXXX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed a few years ago that my information was compromised via the XXXX datat breach. They offered me a lot of free this and that but never took the accounts off.

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 2017-10-05
Company: U.S. BANCORP
State: MI
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:
Our travel agent in XXXX XXXX correctly charged {$12000.00} XXXX XXXX dollars against my XXXX XXXX card on XX/XX/XXXX for a future vacation. Prior to arranging for payment of the vacation with the XXXX XXXX card, I spoke with an agent ( XXXX ) on XX/XX/XXXX and asked if they would waive the foreign transaction fee that would result from the transaction. XXXX stated XXXX would waive the foreign transaction fee for a large one-time purchase like a vacation/trip. 

Upon receiving the statement from XXXX, I noted the amount charged was higher than expected. Based on the amount charged in USD, XXXX used XXXX USD per XXXX By comparison, there is no record of a similar USD to XXXX exchange rate anywhere else in the world at any point during XX/XX/XXXX. I have attached examples from multiple websites which confirm the actual USD to XXXX was between XXXX and XXXX. The resulting overage charged by XXXX amounts to a low of {$220.00} USD and a high of {$220.00} USD. 

When I pointed out the overcharge to XXXX, they initially agreed that the exchange rate was incorrect, but blamed the merchant. XXXX initiated a dispute against the merchant for {$180.00}, which was the amount the agent quickly estimated the exchange rate overcharge to be while on the phone with me. I disagreed with the dispute being filed against the agent and stated the issue was the exchange rate created by XXXX. 

XXXX refused to correct the exchange rate and refund the overage when they determined that the merchant was not to blame.

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 2017-10-05
Company: Continental Finance Company, LLC
State: IN
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:
I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.

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 2023-02-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Delete these Addresses. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Kindly find attached my social security card and passport to proof identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it May concern. 
This is the second or third time that I have contacted you to tell you that the account you are trying to collect from me is not mine. my identity was stolen i never applied for XXXX  nor gave authorization to anyone to open an account using my identity i need them to send me proof that the account is mine. I repeat, my information was stolen, I will not pay for a debt that is not mine. I want to see a copy of my license, my signature and the day the contract between XXXX  and the person who opened the account was made

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 2019-07-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Ive sent XXXX $ to the wrong person this is my first time using money gram didnt realize it until it was sent. ( MoneyGram.com ) I have the information here : Receiver : XXXX XXXX Receiver country : XXXX Send amount : XXXX SD Receive amount : XXXX JMD Exchange rate : XXXX USD : XXXX Id like my money back and if this is the second time Im reporting this complaint. If anything my number isXXXX and email is XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the debt.

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 2022-03-10
Company: Bread Financial Holdings, Inc.
State: TX
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:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2016. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Roquemore Holdings LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A lady named XXXX called my mom ( unrelated to this issue ), and called myself at work. Their attempt to repossess a vehicle that is not theirs has been harassing and abusive to me as a consumer, pursuant 15 USC 1692d. Also they are in violation of 15 USC 1692e. They claim they are not a debt collector but pursuant 15 USC 1692a ( 6 ) states, The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant 15 USC 1692a ( 5 ), The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The repossession/collection of the vehicle is a collection of debt. I have not given anyone permission to share and use my information in regard to this alleged debt. If anyone communicates with me or my family again, I will pursue with legal action. CEASE AND DESIST ALL FUTURE CALLS, MAIL, ETC PURSUANT 15 USC 1692C.

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 2022-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed a few years ago that my information was compromised via the Equifax datat breach. They offered me a lot of free this and that but never took the accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The company is Synchrony Bank, and the card is the Amazon Store Card. The statement closing date was XX/XX/XXXX, which included a new balance of {$4100.00}. The balance included one non-promotional balance of {$79.00} and the remainder of the balance being promotional balances with {$300.00} expiring on XX/XX/XXXX, {$900.00} expiring on XX/XX/XXXX and all other parts of the balance expiring between XX/XX/XXXX to XX/XX/XXXX. I called the customer service number upon receiving the statement that closed on XX/XX/XXXX, and asked if the next payment could be allocated first to the non-promotional balance and the to the normal allocation, which is to the first expiring balance down the line to latest expiring balance. I was told I would need to call the customer service number [ ( XXXX ) XXXX ] on the day the payment was to post in order to set up the allocation. I called on the XXXX of XXXX, XXXX, the day my payment of {$600.00} was to post, and asked the representative to allocate as described above. The representative told me he could not perform the allocation since the payment had not posted yet. I went to the contact by " chat '', and arranged for the allocation. 
The next statement I received was for closing date XX/XX/XXXX. This statement showed no part of the {$600.00} on XX/XX/XXXX allocated to the promotional balance on XX/XX/XXXX, and a {$65.00} interest charge had been levied against the balance expired on XX/XX/XXXX. I called the customer service number and explained the steps outlined above, and the representative told me that while he understood, the only way I could avert the interest charges was to pay {$300.00} at that instant we were talking. 
I have arranged for the entire balance to be paid as of XX/XX/XXXX, but I refused to pay another {$300.00} on top of the {$600.00} that I paid on the XXXX of XXXX. Synchrony Bank or Amazon owes me {$65.00} that I was wrongfully charged in interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 monetary relief
Consumer complaint received 2019-07-04
Company: Atlanticus Services Corporation
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fortiva cradles is a fraud it doesn't report to credit to anyone and they are rude and very unprofessional they over charge you someone needs to look into this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, My grievance is on the partiality ( Biases ) that Navy Federal have against XXXX Veterans 100 %, that have filed a Chapter XXXX Bankruptcy. This institution will not let previous members with financial problems due to life changing events to maintain their membership. I find that the ADA should also be aware of their biases against the financial strain of the XXXX. Also, they cant used I had some returned checks as I was being fraudulent. If that was the case, they would not have any members. Thank you Kindly! Stop the biases against the financially strained!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on XXXX and Transunion credit reports. Since the previous dispute found on complaint reference # XXXX to TRANSUNION and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX. 
XXXX/XXXX  XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX/XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both XXXX  and TRANSUNION to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX is reporting with 7 of these 8 creditors.

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 2019-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX : I deposited 4 checks into a new Chase savings account, with an amount totaling {$1400.00}. I also authorize my other bank account ( XXXX XXXX XXXX XXXX ) to transfer money into this new account. They deposit XXXX cents into this account. 

XXXX : Chase decided to close my savings account for unclear reasons. My account has a balance of XXXX. 

XX/XX/XXXX : I receive a check in the mail for XXXX cents. 

XX/XX/XXXX : I call Chase to enquire about the rest of the money ( {$1400.00} ) and am told that it is still being processed. 

XX/XX/XXXX : I receive another statement from Chase which states that my account has been totally emptied. However I still have not received a check. I call Chase to ask and they state that it is still being processed. 

XXXX : I still have not received the remaining funds and call Chase again, who tell me that the funds are under review and they have no update. They tell me they are putting in a note to expedite the process and to call back in one week for an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 I purchased a new vehicle from XXXX XXXX XXXX off XXXX XXXX in XXXX. The sales man called XXXX XXXX XXXX to get my payoff on that day which was {$12000.00}, but failed to inform me they did not process the payment until XX/XX/XXXX. Causing more interest to acrue on the loan making it that they left a balance of {$150.00}. That balance then continued to increase with late fees until they FINALLY paid the account down to {$0.00} on XX/XX/XXXX. Not to my knowledge until XXXX called me saying the payment was late in mid XXXX was I aware of this, I immediately text the sales agent and informed him, he said he would get right on the matter and assured me again the issue was handled and he would overnight a payment to XXXX. It was not till middle of XXXX that I reviewed the credit report and saw the late payment on my credit report. I have since called XXXX and XXXX XXXX XXXX multiple times. Some of the representatives say they are helping and will have it removed, while others have said that they can't resolve the issue and transfer me to another department, I have exhausted all other resources, as I would have liked them to resolve their mistakes. I have never had ANY late payments on this account.

Company response to consumer: Closed with non-monetary relief