BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: Radius Global Solutions LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called and said I owed XXXX XXXX {$270.00} for a place I lived at 3 years ago. I called XXXX XXXX. I have no bill in collection for my old or current address.

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 2018-09-24
Company: EQUIFAX, INC.
State: OH
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 have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: SYNCHRONY FINANCIAL
State: AL
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:
There is an unauthorized credit inquiry on my report. I let them ( JcPenny, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. 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
Consumer complaint received 2017-08-10
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX on XXXX XXXX to ask for them to validate the debt. I do not believe it is mine. They did not respond so I wrote again on XXXX XXXX and they still have not responded to prove that the debt is mine. Under FDCPA, they must remove the account being reported because they could not send me proper validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: PlusFour, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have requested XXXX to remove a medical account from my credit report and they have not.

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 2018-03-30
Company: SYNCHRONY FINANCIAL
State: CT
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:
I have a copy of my checking account through federal clearing house that showed my account number was an in-correct number as entered. My account had sufficient monies in it but payments were refused according to PayPal Smart Connect & XXXX XXXX for months through my account. Damage has been done to my credit so I am being refused credit. 
This action took place by the both named above in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Despite numerous called to them I could not get any understanding to listen to my story until I was able to receive copy from XXXX XXXX XXXX in XX/XX/XXXX. The Connecticut Banking Commission gave me your address. 
The XXXX XXXX Financial name ( which ever one would choose to use ) is now being used in my other accounts, accounts controlled by them, & may be a way to frighten me? 
These other controlled accounts are not nor should be of concern is the way I see it for them. 
I want PayPal account paid in full with corrections made to credit reporting agencies.

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 2021-07-14
Company: BMW Financial Services NA, LLC
State: NY
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:
disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted CONNS over 10 times for this matter and spoke with XXXX ( Employee # XXXX ) and have even spoke with XXXX ( Employee # XXXX ) on XX/XX/2018 and XXXX XXXX on XX/XX/2018 at the corporate office that said they would take care of this account # XXXX before.I want to speak to someone within the next 48 hours because this is too XXXX after knowing that I have paid for this account in full. This has stopped me from getting my very first new home with my XXXX child. I have given my now landlord notice to vacate to move out. We will be homeless in less then 15 days. How does it feel to get an approval as a single mother trying to make my XXXX daughter happy and to give her her own room to being denied because of an account that has already been taking care of. Not only that it is paid but it is now showing on your credit report multiple times inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: General Motors Financial Company, Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my Credit Report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Santander Consumer USA Holdings Inc.
State: RI
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:
Due to Covid -19 I asked my auto lender SANTANDER CONSUMER USA for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. SANTANDER CONSUMER USA made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my SANTANDER CONSUMER USA loan. SANTANDER CONSUMER USA refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: WA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a trial of the XXXX XXXX service on XX/XX/XXXX. Their terms state that there would be no billing if canceled within 30 days. Because I did not see value in the service, I canceled on XX/XX/XXXX ( and have an email from them confirming this ), but I was billed {$24.00} on XX/XX/XXXX. At this time, I logged into the Experian website and removed my credit card information, but then they somehow billed me *AGAIN* for {$24.00} on XX/XX/XXXX Fortunately I am very proactive about monitoring my credit card transactions ... I would imagine that there are many people who they're billing without authorization who never even notice. Whether it's intentional or due to ineptitude, there is zero excuse for a company of this size to be doing these kinds of things. Even more troubling is that I removed my credit card information from their site after the first unauthorized billing, so it's clear that they are continuing to store my financial information against my wishes. Please look into this. Also, please note that I have already filed disputes with my credit card company ( XXXX XXXX ) and will get the money back from them, so I don't need a refund but am instead hoping that you look into potential widespread unauthorized/over billing practices on the part of Experian. 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
Consumer complaint received 2020-08-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently my Zales jewelry credit card was closed without my permission during this financially difficult time because of the covid 19 I have not been able to use credit card that doesn't give credit card company to close my account and repo negative in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Company has attempted to call me every day for over a month, and has also reported delinquent account 3 times in the past 2 weeks in an attempt to force me to pay the amount they say I owe. This is excessive and damaging.

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 2018-03-05
Company: General Motors Financial Company, Inc.
State: FL
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:
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I noticed an unfamiliar transaction ( # XXXX ) in the amount of {$240.00} on my American Express Bluebird Card on XX/XX/2020. The transaction took place on XX/XX/2020 via online transaction between the vendor XXXX XXXX in XXXX, CA and shipped to an address in Massachusetts ( XXXX XXXX XXXX, XXXX, MA XXXX ). These items consisted of womens apparel or clothing as that is the vendors products offered. I contacted American Express to file a fraudulent activity petition. I was emailed documents to complete and file. I immediately completed all necessary forms ( case # XXXX ) and sent them off via email. I received a notice of denial XX/XX/2020. I filed an appeal and request of documents used to determine reason for denial. I received a reply that only stated transaction details on XX/XX/2020 but no reason of determination. 
I assert that this was an unfair determination as the transaction details clearly state a mailing address for said products is across the country at an apartment complex I do not reside at, the transaction took place while I was at work in California, the purchasers email address is not mine, and I don't wear womens clothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018 Around XXXX XXXX I called Bank of America to redeem my XXXX cash rewards. My current statement balance is XXXX the representative told me I could redeem my cash rewards towards my balance. Then I requested to pay my remaining balance of XXXX dollars And some change ( the XXXX rewards money was XXXX and some change ) little I knew the representative told me no I still responsible for the minimum payment which is XXXX. I asked how I am responsible for XXXX when my balance after applying my cash rewards is only a little more than XXXX dollars ... he went on and on I requested a supervisor .... then The floor supervisor before he LAUGH AT ME told me the same thing. After feeling extremely disrespected I also found that their ads regarding " cash rewards usage " its HIGHLY MISLEADING ... .. Bank of America doesn't tell customers that you can not apply your cash rewards towards your balance .... they use it as a credit then in the next statement " '' they still owe you money " '' which appears as what they call a " credit '' .... thus it is misleading that they tell customers " '' YOU CAN USE YOUR CASH REWARDS HOWEVER YOU WANT " '' '' It is just wrong that I owe less than XXXX dollars and they make me pay XXXX to owe me money for next month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: UMB FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting to close checking and saving account since XX/XX/XXXX, including calling, sending secure message from online banking, and written letter to close accounts. Bank has made it nearly impossible to close the account and is now levying fees as the fee waiver requirements are not being met as all monies have been removed from the accounts in anticipation of closure,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I let my sister use my card to purchase a pre order for XXXX  cards on a website called XXXX in the amount of {$510.00} dollars, that should have been shipped out by late XXXX. However, she did not receive any items. Nothing was updated, nothing was shipped, and the company did not reply back in any form of communication. The shipping label that appeared on the link is also fake. When the link is clicked, the label is not in the system appears. I've tried emailing, twitter site, and calling multiple times, but no response at all. Reading reviews, other customers were facing the same situation I was in with this company. I tried logging back into my account to print out the receipt, but the company has deleted there official website, XXXX  account, and email so no one can get a hold of their account history order and could not contact them. This company has an actual store in XXXX, IA, but they do not pick up the phone. I tried to dispute this charge with my bank, but because its passed 60 days, the BECU  bank said they could not open a case for me in any circumstance, even though I had brought documented evidence for them being a fraudulent business and I was being scammed. They did not present me with any alternatives to approach a fraudulent case and I was turned away with no options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Equifax has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the Equifax has investigated properly before posting derogatory information. 

( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i was contacted by XXXX XXXX on XXXX. Ms. XXXX, obtained an attorney, Mr. XXXX XXXX XXXX XXXX Mr. XXXX indicated that Ms. XXXX has funds that she could not access, and that she needed help. They both furnished copies of thier identification, along with supporting documents from the XXXX XXXX All documents were faked. The aforementioned indidividuals did create, and further produced bank account information that was totally false .... In an effort to assist miss XXXX, i did in fact send her {$750.00} ... It was all a scam ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed out of {$600.00} for a puppy that was promised, and was never delivered. Over the last two months since XXXX, I've sent {$200.00} every month to secure the puppy through XXXX XXXX. Once the puppy was never returned I requested refunds from the people who stated they had the puppy, and was turned down. XXXX XXXX states that there was nothing they can to do but to make a police report, and call my bank. I immediately filed a claim with Chase Bank on Monday XXXX just to find out today my claim was denied. I am out of {$600.00} during a pandemic and was trying to get a puppy for my daughter for XXXX and is extremely frustrated. I just want my money back to find a puppy for my daughter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was made aware in XXXX that there was transactions being made that I was unaware of and never authorized. This has continued to happen and become increasingly more frequent as well as the amounts being transferred. The common source of these payments are all from online gambling or casino sites and transfered from the same account. I tried addressing it with PayPal with NO RESOLUTION!! I have been scammed out THOUSANDS of dollars across multiple accounts. I can't get this to stop! I have made police reports and filed every possible form I know to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was open, for my ex husband, he used my information without my consent. 
during the time was open I was living in another country, I knew about this only a few months ago, I called company provide my cell number because I was told they didn't know the agency with my case and they will call back. nothing happened!! how can they have this for such a long time hurting someone credit and they have no clue how agency is collecting this or where to contact them.

Company response to consumer: Closed with explanation