BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX XXXX was withdrawn from my account for a pair of shoes I never walked out of XXXX XXXX with. I swiped my card three times and was told the transaction was not completed. A reciept was never printed for the merchandise. I left the store while checking my account and I seen three charges for the the same pair of shoes I had just tried to purchase. I talked to the merchant and was told I would have to file a dispute with my bank. I contacted my bank and was told it takes up to 20 days for new customers. 20 days passed and still no update to the dispute. So I called back and was then told it wouldnt be updated til XX/XX/XXXX which is four months after the fact. I will never open another prepaid card with Netspend theyre a scam! I contacted XXXX XXXX customer service number and a representative was able to locate the transactions saying that all three were declined on their end but somehow the money is still missing from 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 2017-12-07
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
XXXX XXXX is reporting a debt of {$620.00}. I have no business with XXXX XXXX. They are a third party collection agency that does n't appear to be licensed in the State of Nevada. I am requesting that this negative account be removed from my credit report with all three Collection Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a Lowe 's Credit Card to use for a few home remodeling projects. I made my payments, always on time, and I opened an online account to monitor my account balance, purchases and payments. Just recently, I noticed that my payments were either being applied late or were not be applied at all. And this was after I had made payments at the place of purchase using a debit card. Because of these concerns, I cancelled my XXXX 's card. I can still access my XXXX 's account online, which has a link to the Synchrony Bank, where I believe the problem exists. I honestly believe that Synchrony Bank may be purposely trying to deceive customers by not being more transparent. My Synchrony account online, does not reflect a complete ledger of payments, purchases and balances on the same page. As a customer, I have to manipulate through several pages online in order to figure out which payments have been received, what purchases have been made, and what the current overall balance is on my account. Synchrony too, is deliberately waiting several days before applying my payments to my account and in doing so increases the amount of interest payments I am forced to make. Over the past two months I have made three separate payments to my account, but as of today, only one payment is reflected in my account balance. When I called Synchrony Bank recently to complain about their online ledger format, the operator told me that there was nothing she could do. Please understand that Synchrony Bank, which provides credit card services to XXXX, is not being transparent to XXXX customers and may be purposely deceptive in their business practices. I feel quite certain that all of my payments are not being applied by Synchrony Bank to my XXXX account and that Synchrony Bank is deliberately hiding all of my transaction history, based on their online ledger format which actively hides or confuses purchases, payments and account balances, which are deliberately kept on separate online pages and makes no sense to customers who are actively trying to monitor our accounts. It is bad enough that Synchrony Bank charges predatory interest rates, but their way of doing business is horrible, if not inherently dishonest. I have other online banking accounts, and their formats are easy to understand, where I have all the information I need, on XXXX page, to monitor my account, but Synchrony Bank is the only banking organization that is actively concealing account information and thus deceiving customers. 

Respectfully, XXXX XXXX XXXX XXXX, Missouri

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 2017-12-07
Company: 2288984 Ontario Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
this was a payday online loan debt trap with extra amounts added to my pay back amount, which i was unable to meet their pay back guidelines, due to paying my rent and lights, gas, causing financial stress on my household. Receiving harassment emails. Affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraudulent charge of {$160.00} was made by XXXX using my TD Bank debit card in XX/XX/2017. I reported the fraud to TD Bank multiple times and the issue has still not been resolved. 

- TD Bank first told me that they would investigate, but I didnt hear back. 
- I called TD Bank again and was told that I had to resolve the matter myself with XXXX XXXX. 
- I spoke to XXXX XXXX and they told me that I had to resolve it with my bank. 
- I called TD bank again, waited for a response, and was eventually told that the claim was denied because they couldnt find any evidence of fraud, but I could not talk to anyone who actually did the review or made the decision. I was told that I must file a police report at my local precinct for then to re-evaluate the case. 
- I filed a police report, went to the TD Branch and had the claim revisited. I was then told that the claim was denied because, again, they couldnt find any evidence of fraud. 

I believe that TD Bank purposely made me go to the police just because they thought I wouldn't want to spend the extra time and they could ignore my case. 
XXXX XXXX says that they will not talk to me about the details because I should be dealing with the bank. 

TD Bank later said that if I file other requests with XXXX XXXX to force them to give me details about the transaction that they will review it again, but I believe that once again they are counting on me thinking it is not worth spending further time on this and that I will just go away. 

Can you please help me resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: TX
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:
The account is reported as open but charged off and closed. It's also reporting 120 days late but closed. It's showing that I'm " past due '' but closed. I've been sending letters for several months and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
steered into forbearance and deferment while accruing capitalized interest ; Navient failed to properly provide basic accounting counseling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: PA
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:
The information on my XXXX credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/Experian/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXX/Experian/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX XXXX XXXX  XXXX reported a 30 day late which was inaccurate. 

I found out about this the first week of XX/XX/XXXX and contacted XXXX XXXX XXXX to point out this error. 

I was advised to send in proof of payment to show it was paid on time and proceeded to do so. 

After sending in the proof of payment XXXX XXXX XXXX  agreed to update the credit bureaus. 

As of writing this complaint XXXX and XXXX have updated my credit report and have removed the late. 

The reason I'm filing this complaint is because Transunion has failed to update my credit report and is still reporting the 30 day late. 

I've tried contacting Transunion directly with no success and XXXX XXXX XXXX  has told me that they have already updated the correct information and that I need to deal with Transunion direct. 

Transunion needs to remove this 30 day late. Please help. Again XXXX and XXXX have updated everything correctly. Transunion is the only one I have a dispute with.

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 2020-05-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by CITIZENS BANK OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Village Capital & Investment LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I responding to your response from XX/XX/21 as you continue to disregard my questions. 

If you provided me funds in the form of a loan, Can you provide me with an actual document pursuant to GAAP ( General Accepted Accounting Principles ) pursuant to 12 U.S.C 1831n, showing where the money left your ( Village Capital & Investment LLC ) account to fund this alleged debt? 

Under what Law does it states you are the Original Creditor since this was a consumer credit transaction?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: EQUIFAX, INC.
State: GA
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:
I am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/XXXX/Equifax credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XXXX/XXXX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXXEquifax has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: FACTUAL DATA CORP.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by FACTUAL DATA OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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, XXXX  AND EXPERIAN HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

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 2018-12-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent creditor multiple letters and they never respond.

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 2018-08-31
Company: Total Card, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Total Card, Inc is representing the creditor XXXX XXXX, XXXX that is trying to collect on an old debt for a XXXX XXXX bill dating back toXX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from Total Card, Inc dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today is XXXX XXXX. This has been a long process and I have a very nice representative help me a least get access back to online backing for my personal card. I hate to write this because I love Capital One but this is a security issue. 

I have a Spark Business Capital One checking and savings account through Capital One. I also have a personal Capital One Venture Credit Card through them. I had separate login for the personal Venture Credit Card from my Spark Business account. I had an issue with the Venture online login and called and they said they now are linking all Capital One accounts whether they are business or personal - their team said they would un-enroll me then I can re-enroll to have my own login for my personal account and my business account. I tried to re-enroll for online access and it would not let me sign up. I called back and the rep said he would look into this and call me back. That was a week ago. So tonight I called and spoke with a nice lady, I was on the phone for 1.5 hours before I was able to access my personal Venture account again.

Time after time, I was told that I would have one login for my business and personal accounts with Capital One. THIS IS A SECURITY ISSUE for I have employees who have access to my business account for bookkeeping and accounting reasons - AND NOW THEY HAVE ACCESS TO MY PERSONAL ACCOUNT. Every time, I was told this is what customers requested and there is no way around it. You have one login for all accounts whether they are personal or business related.

So this nice lady, finally helped me get re-enrolled for my personal Venture Capital One card. She helped me have the username I wanted. We get off the phone, I go and try to log into my business Spark Capital One card and now the business username I previously had does n't work. It is now the same login as my personal Venture Capital One online banking.

THIS IS A SECURITY THREAT FOR NOW MY EMPLOYEES FOR MY BUSINESS HAVE THE LOGIN INFORMATION FOR MY PERSONAL FINANCES. CAPITAL ONE MAKES IT KNOWN TO ANYONE THAT THEY ARE HAVING ONE LOGIN FOR ALL ACCOUNTS. They say there is not other way to have separate logins.

Company response to consumer: Closed with explanation