BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: United Resource Systems, 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: Credit inquiries on your report that you don't recognize

Complaint:
Fraud Alert added to report. Suspicious inquiries reported to credit report ( XXXX  ). contacted credit bureau to have removed. 
Also collections reporting in violation of my consumer right and the Hipaa laws.

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 2020-05-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
on XX/XX/2019 i signed a contract with Lowe 's Home Improvement store in XXXX, GA to install a new roof. I was given the option of using 0 % APR for 24 months which is what i opted for as opposed to charging it to a different card and getting points. I pay off my credit card balances in full every month unless i have 0 % and sometimes even then. My wife told me that a couple of days ago that our Lowe 's balance had increased on her credit report even though we have not charged anything since the roof to keep things simple. I looked up our account and saw interest charge of about {$790.00} which shocked me. I called Lowe 's credit card company which is Synchrony bank last Saturday and i was told that the promotional rate was entered for only 6 months and that I had to get the store to call in and change it to 24 months. I called the store same day and spoke to the store manager who told me i had to call back Monday and speak to XXXX. The sales person we dealt with has left the company. I called yesterday and spoke to XXXX who told me he would get our files and call me back by same day or this morning. Never called back. My wife keep excellent record of everything we buy in separate folders and there was not any finance paperwork in the folder. We need your help to clear this up and get the 24 months as promised to us by Lowe 's. 
contact person at Lowes is XXXX and his cell number is 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 2020-12-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My name is XXXX XXXX DOB XX/XX/86. I have been impacted with COVID SINCE XXXX! I HAVE BEEN IN CONTAXT WITH XXXX  WHEN NOT on XXXX  as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for COVID AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM COVID AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS 33 POINTS! WHY?! BECAUSE XXXX  REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX  XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING COVID IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR COVID ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM COVID BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!

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 2020-08-27
Company: Experian Information Solutions 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, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-12-03
Company: WELLS FARGO & COMPANY
State: MS
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 payed of my car loan with Wells Fargo on XXXX XX/XX/2020. I have called Wells Fargo only to be hung up on XXXX time. After I talk to a phone agent. I her about have issues with Wells Fargo not reporting to credit bureau twice in the pass. I got a call today XX/XX/2020 and explained that I payed of this account and Im buying a new car. I ask if they would please report account pay. Well she told due to covic it will take some time. I explained this problem had been on going since I purchased the car. I need Wells wto report my account pay. ASAP!!

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 2018-03-27
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient was not my loan servicers it was XXXX XXXX, one day I discovered that it was now taken over by Navient. In XX/XX/2017, I contacted Navient to inform them about my separation from my husband. I tried to lower the payment to something more affordable, or to at least put the loans in a forbearance or deferment program. At that time I was told I would need pay for a forbearance program for 6mos. So I borrow the money ( XXXX ) from a family member and put them into a forbearance. The forbearance only lasted for three months. This action I was told would bring the loans current, and reduce the payment amount. But instead, the payments then doubled. On several occasion, I have contacted the loan server to get an affordable payment amount. Now, there's a threat to garnish my wages if I do not pay something I can not afford. I am a single parent trying to support my son, I am going thru a very nasty divorce. Due to the student loans, I am unable to secure a new job in my field or a mortgage because I am denied for an inadequate credit score.  Please help I do not know where to turn. 
Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Bull City Financial Solutions, Inc
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the mother of the patient, XXXX XXXX. He received services at the XXXX XXXX XXXXXXXX and never received the bill because the wrong address was used. The Collection Agency, Bull City Financial Solutions at XXXX XXXX XXXX, NC Tel XXXX was incredibly rude to me and tried to tell me that payments I made were not made to them and were paid instead to the XXXX XXXX XXXX XXXX XXXX, which they were not. I tried to get the bill from them to ascertain whether they were billing accurately, but they refused to give it to me. XXXX was the agent and she kept telling me to pay the bill and would not answer my requests for information. The name of the person I was speaking to was XXXX, and she just kept getting ruder throughout the call. So I asked for a supervisor. She tried to pass me off to a friend, but I insisted on a supervisor. She said they were not there and said they would call me back. They never did. I called and tried to talk to the supervisor again, and again the person who answered was incredibly rude. I finally got through to a supervisor ( XXXX ) who told me she never got a message to call and said the record showed I was sent to a supervisor voice mail, which never happened. I then tried to get her to give me the information, but she refused citing HIPPA. I am an attorney and had my son the patient on the phone giving permission to give my records. She kept interrupting me and was incredibly rude and would not give me the information. I had already made payments which were not reflected and they changed the story so many times through the two calls that I can not get them to give me any accurate information. She was so incredibly rude and finally disconnected the call when I insisted on getting the information to show that the amounts were owed and to show the payments made. They are attempting to collect amounts not owed and are refusing to recognize payments that were made. Please help me hold these people accountable for their horrible treatment. I have never refused to pay a bill but I am owed the courtesy of knowing what the charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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:
BANK OF AMERICA CREDIT CARD SERVICES HAS NO PHONE NUMBER THAT ANSWERS IN A TIMELY MANNER TO ALLOW A CARD TO BE STOPPED OF ANY FURTHER CHARGES DUE TO DISPUTED CHARGES SHOWING UP ON MY LAST BILLING STATEMENT, I HAD NO NOTICE OF POSSIBLE FRAUD ACTIVITY FROM THE CARD COMPANY EVEN THOUGH THERE IS 3 CHARGES TOTALING XXXX, TWO SEPARATE CHARGES FOR XXXX EACH ON XX/XX/XXXX, AND ONE CHARGE OF XXXX ON XX/XX/XXXX, I HAVE CONTACTED THE TWO MERCHANTS WHERE THE CARD WAS FRAUDUENTLY USED AND THEY BOTH SAID THAT BANK OF AMERICA CARD SERVICES HAD BEEN HACKED, AND THAT THE FTC IS ALREADY INVOLVED. MY COMPLAINT IS WHY HAVE I NOT CONTACTED TO DISCONTINUE THE USE OF MY CARD, AND TO RE-ISSUE ME ANOTHER CARD. ALSO WITH THESE BAD CHARGES I AM OVER MY CARD LIMIT AND HAVE NO NEW CARD.

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 2020-05-15
Company: U.S. BANCORP
State: SC
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:
Found credit card on XXXX that I never applied for. Reported it to XXXX. 

I still do not know what this elan card is. 

What is it and why is it on my report XXXX did not address this inquiry Who put this card in name?

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 2020-08-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a revolving account with Synchrony Bank for some products that I received from XXXX XXXX products. I've purchased 3 items over the past few years. I've never had a problem with payments or charges until the last few months. I currently have a minimum payment of {$28.00} per month. Since the XX/XX/2020 payment I have been paying {$100.00} per month. Prior to that I was paying {$80.00} per month with the exception of a payment made in XX/XX/2020 of {$55.00} dollars. Twice within the past few months I received a notice that I owed {$84.00}. I tried talking to their customer service the first time it happened a few months ago with me getting nowhere. I called again today and their explanation was that I paid the XXXX payment too early therefore it made the XXXX payment late and said that it would generate a {$40.00} late fee. I'm paying over 3 times the minimum payment each month so there should never be a late fee. From what I gathered from the bills I've reviewed from them the payments are due on or before the due date ( it does not specify the length of time before the due date ). I only get Social Security and my payment from them is the XXXX XXXX  of each month. It's when I have to pay all of my bills. I don't know what changes have been made by them to cause this problem after having this account for several years.

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 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 DATE OF OCCURRENCE CREDIT REPORT FROM TRANSUNION SHOWS ON XX/XX/2018, THERE HAD BEEN A HARD INQUIRY FROM XXXX XXXX XXXX XXXX. AND THIS IS FALSE. I DON'T WANT IT ON MY CREDIT REPORT FOR TWO YEARS, OR TWO DAYS!

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, and all the other negative items I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself 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 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, Mon. about XXXXXXXX XXXX. I opened up mail at my home to find out a secured credit card had been requested in my name and {$500.00}. was debited from my checking acct. I immediately got on the phone with the bank, and on hold, I discovered my e-mail was compromised, over 15k e-mails. Then I still was on hold and accessed my on-line bank acct, to find out there was a wire transfer ( also unrequested ) that was PROCESSING. When the Rep. answered the phone I told her that {$1000.00}. was PROCESSING, I had to hang up and withdraw my money. She said, let me help you, by the time you get to the bank, it will be gone. I told her You don't understand, I did not authorize it. She said she would take care of me. I have spoken to numerous people over 24 bank people in the following 48 hours. It has been a month and I STILL have yet to see m {$1000.00}. The bank did put back my secured credit of {$500.00}. and cancelled the card. That is it. They denied my claim, even thought they said it was sent to XXXX in XXXX XXXX 's name. I never was informed my case was closed, now they tell me the e-mail was sent to my work e-mail which I never provided. I had to reopen the case. I want help in this fraudulent action against me. I also have filed a police report. The claim is XXXX at B of A.

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 2018-02-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
There were upwards of $ 900+ on my XXXX XXXX card. I reported fraudulent charges to my card and they say they would remove them. They were removed and I had a positive balance on my card. I was not sent a new card. I then received a new bill with the charges placed back on it with additional fees. I contacted them and they said they would look into it. Meanwhile I paid to ensure that my credit would not suffer. They claimed to of not received any of these and added more and more fees. I have the copies of the bill pay info from my XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: TX
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 : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX Coinbase started charging my bank account through my debit card multiple times for old transactions. I was put several hundred dollars in debt and can no longer pay my bills. They refunded some of the charges but not all, and I still have a ludicrous amount of courtesy pay charges thanks to this behavior. This kept happening following the next day and is still happening today.

Company response to consumer: Closed with explanation