BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to Experian is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX is {$1200.00} as of XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-05
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I explained to American Express that my wife almost died several times over the last three years and has not been able to work. That caused a severe financial hardship with mounting medical bills. I tried to make arrangements to pay my all my bills but American Express was the only company that was not helpful at all. They stated to have multiple ways to resolve the matter but in the end only offered one solution that did not work for me. As of the past few weeks I've received at least 20+ calls and now my family who is in another state is being harrassed with the same calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously received a settlement letter from Receivable Performance Management LLC for a past due XXXX account. I called and spoke to a representative, whom did not immediately identify herself as a debt collector as required by law, and after speaking for several minutes we agreed that I would pay {$300.00} to settle the account in full. I was placed on hold to get approval from her manager, then she returned, disclosed she was a debt collector, then took my payment. 
I received a copy of my credit report this evening to discover the debt was updated reflecting a new balance. I called to speak to a representative, whom stated the account was not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This should be sent to XXXX, XXXX, and Transunion I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a chase quickpay payment through XXXX on XX/XX/2019 for the amount of {$2000.00} to my non-chase account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my chase account, but never reached my XXXX account. I called XXXX and they said that the transaction failed and the bank should return the money to my chase account. I called chase and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my XXXX accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I reported and disputed a charge for a room I received that was not as advertised. I paid for a smoke free room. The room was not as described. However, throughout the days I stayed at the hotel there was the smell of some fume that I am sure was the smoke of XXXX. The smell was also outside of the room where I stayed meaning someone in another room had to be smoking or else it was coming from the air conditioning system. I reported to the front desk personnel who stated there was nothing they could do. The room XXXX did not have adequate air conditioning and also had a window air unit that had to be used to keep the room cool. Paypal decided in the sellers favor whom has no evidence as PayPal allegs I did not have yet made the decision in the sellers favor.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The credit Reporting Agencies have not updated my credit report after XXXX XXXX corrected a hard inquiry that was on my report. This was in error. So need Transunion XXXX and XXXX  to update their records to reflect the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
For over a year I have informed transunion that I should not have a suffix of XXXX. I am not a male. I have contacted transunion multiple times. Yet the issue has not been resolved. Thanks so much. I have put you on notice and reporting this to consumer financial protection as you have failed to correct your error. I have reported this to the executive of transunion team with no response XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with SUNRISECRED plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1
30.00}

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 explanation
Consumer complaint received 2018-11-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Dear, Im XXXX  years young, with XXXX and XXXX XXXX vet, On XX/XX/2018 at XXXX XXXX ( pacific time ),  I made teller deposit {$1500.00} cash and {$100.00} check total of {$1600.00} inside the XXXX grocery store  one of US bank branch located at XXXX  XXXX XXXX, XXXX Ca XXXX, I got official receipt showing my deposit amount, on XX/XX/2018 Iat XXXX logged in but couldnt find my deposited fund, It is very important because I paid few bills that going to appear on Monday, so I called US bank and discussed the issue they couldnt find the deposit either they said we will investigate it this can not happened because they are banks what happened if i dont have the deposit slip but the issue is what if I didnt had it and is cash this is fraudulent action when an deposit or withdraw or any transaction It must appear in the account ( s ) I really believed Usbank participating in fraudulent activities and CFPB must investigate It, Im going to the same branch in few hours but why this is happening, Investigate if there other government agencies that i can file complaints please let me know also. Thanks.

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 2018-11-25
Company: GREAT LAKES
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I believe the amount the company states I owe are incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: First Data Corporation
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX was paid {$200.00} by XXXX XXXX XXXX XXXX from my banking account. XXXX  states they have no proof of that transaction. I contacted XXXX XXXX XXXX XXXX which faxed a bank Affidavit which contained the date the check was paid. The Affidavit was faxed to the fax number provided by XXXX. Despite the Affidavit, XXXX has instructed me to send them a copy of my bank statement. I refuse to send my bank statement to the XXXX  because it would be an invasion of my privacy. According to the Federal Trade Commission XXXX can request proof of payment which my bank has provided. I received a letter from XXXX dated XX/XX/XXXX stating my dispute appears to be invalid. I have failed a lawsuit against XXXX and will appear in court on XX/XX/XXXX. Upon conducting an online search with regards to XXXX, it appears XXXX has received consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ), including making false and misleading statements in an effort to collect a debt and failing to verify debts. In XXXX, XXXX XXXX XXXX XXXX XXXX. agreed to pay {$3.00} million to settle Federal Trade Commission charges that they violated the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/20 my cash-app card has been frozen. I make a living by XXXX XXXX XXXX XXXX. This is one of the ways my clients pays for my merchandise. How can this company freezes someone account without notifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony Bank continues to turn me down for credit cards Tj max, Amazon, Care Credit ), when giving a reason it says either open bankruptcy or past due accounts. This is false information. Ive contacted Synchrony Bank on numerous occasions to no avail. Today I spoke with 11 people. They blame it on their computer system and fail and refuse to look at my credit bureaus and make a determination based on my score and current credit history. They refused to give me corporate headquarters information also.

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 2018-11-25
Company: CrossCheck, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Their were hard inquiries since XXXX to XXXX which I never gave permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Penny Mac had my mortgage, but sold it on to XXXX in XX/XX/XXXX. 

I spoke to XXXX XXXX in XX/XX/XXXX. 
She says that Penny Mack had taken > {$5000.00} for flood insurance in XX/XX/XXXX and for Lender Placed Insurance in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. Both over {$9000.00} each. 

I have faxed over proof that I had flood insurance. 

I had insurance thorough my agent XXXX XXXX with XXXX   XXXX and we had to switch insurance to XXXX XXXX as XXXX  pulled out of insuring Florida. 

Penny Mack chose to not pay my insurance company and instead imposed their Lender Placed Insurance at triple what I should have been paying. I have given my Insurance company 's telephone number and proof that they had sent the request. 
They have not contacted them. 

I have faxed various letters, spoke to various people and had a few calls saying that they would sort it out. Then it becomes another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 a transfer of funds between another USAA member and myself Accrued. USAA now uses a 3rd party company called XXXX, when the transfer was placed a text was sent to my phone saying " XXXX sent you {$1000.00} through XXXX, a service of XXXX XXXX XXXX, at XXXX XXXX XXXX. Reply with STOP to end msgs or HELP for help. '' after some time I realized the funds had not been transferred. after consulting USAA I was informed that I only had 14 days to register or the funds would go back to the sender. I was well over that period and now am being told that USAA has no way of contacting the Sending Member or any way of completing the transfer. The points i would like to make are in the Text Receipt message it states nowhere that i need to login and register, or that my funds transfer would not be completed until I am registered. the text does however state that {$100000.00} was sent to me, when in fact it was never sent. I would consider this a lie and false invoicing. USAA has been unhelpful in this situation and is not making any attempts to rectify this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
They repossed my car for $ XXXXGranted I know I was late for XXXX payment. I am the only invome in my household. My fiance had to quit her job to take care of our XXXX year old baby that has special needs. When I called them I said I paid {$530.00} in XX/XX/2018 how am I late. She said there was still {$35.00} that was 50 days past due? Once again I asked her how when I gave them {$530.00} in XXXX she couldn't give me an answer. Now they tell me I gota pay {$960.00} to get my car back..I don't have that kinda of money and I was never notified that I still owed {$35.00} on my overdue charges. They repossed my car for late fees? Like I said I paid {$530.00} in XXXX how is there any fees? Can you help please. I have all bank records and I have told the repeatedly my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
TD Bank account was opened under my name while I'd been out of country in XX/XX/2016, Please find attached my Identity Theft report with the police report.

Company response to consumer: Closed with explanation