BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: Bull City Financial Solutions, Inc
State: NC
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 disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XX/XX/XXXXto the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, XXXX then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
Bull City Financial Solutions is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/2022 I have made a transaction by XXXX  to purchase XXXX tickets. 
Within the XXXX  system my preferred mode of payment is XXXX XXXX ( the form of payment set up as XXXX ) However the payment has been processed I was informed that the payment was taken out of checking out against my wishes or intention. 
When I called their XXXX XXXX based overseas I caught the agent lying to me stating the the payment was preset to checking account. I confronted this lie with the screen shot which clearly stated XXXX. Subsequently I was told that the matter will be escalated and I was then put on 25 min hold which from time to time was broken to check if I am still on the line. At 32 min the call was without warning disconnected. 
It is evident that PP is cheating consumers this way as to : 1 ) get rid of any consumer protection as offered through a credit card 2 ) to get customer to lose any cash back bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For over nine months we were submitting documents to SLS for a loan modification only to be notified by a lawyers office that our home was in pre-foreclosure status. Not understanding how this could have taken place we tried to log into our online account to see if any updates or messages had taken place but could not, due to the fact they had locked us out of our account. Upon calling SLS for information regarding our loan status, we were informed that our loan was in default and if we wanted access this account and our home out of pre-foreclosure then we must pay approximately {$5000.00}. I asked SLS to explain to me how this happened and where did they come up with this requested amount, they refused to answer any of my questions. They also refused to send me any documents pertaining to this account. The only response I got from them was " you received no notifications on the status of your loan or modification status due to the fact you filed Bankruptcy six years ago. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX when the bank did something I didn't ask for I closed all my accounts with them including my credit card at which time I paid it in full. see copy of lettering enclosed apparently they've been compiling interest since on a zero balance and when I call them to take care of it they claim there's interest due because it compiled daily until it's paid seems like a issue with their system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX is an on-line bill payment service operated by Quicken Loans and provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. ( XXXX ) a unit of Fidelity National Information Services. 

XXXX is in violation of 15 U.S. Code 45 and other federal and state consumer protection laws. 

( a ) Declaration of unlawfulness ; power to prohibit unfair practices ; inapplicability to foreign trade ( 1 ) Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. 

XXXX is engaging in a deceptive, ongoing, widespread, and systematic attempt to defraud consumers, via automatic checking account withdrawal, for monthly fees for unused services which have been previously cancelled. 

XXXX creates a costly and unreasonable administrative burden on the consumer to cancel a bill-pay subscription and unconscionably and unfairly relies on the extraordinarily high cost of compliance with their cancellation policy in relation to the correspondingly small amount of their monthly fee to effectively bar subscribers from cancelling their subscription. 

Between XX/XX/XXXXand XX/XX/XXXX ( 12 years ) I was charged {$10.00} per month ( as much as {$1500.00} ) for an on-line bill pay subscription I did not use, and for which I still seem to be unable to cancel. 

I had a XXXX account since the year XX/XX/XXXX. XXXX, through XXXX, charges XXXX per month which is deducted from my checking account for bill paying service. I have not used the service, other than to pay an ACH deduction to XXXX for fees, since approximately XXXX ( and probably before then ). I  have attempted to cancel my account multiple times since. I am still getting charges deducted from my bank account for this service. The last attempt to cancel the service occurred on XX/XX/XXXX I have an email from XXXX support stating that they would deactivate the account. Subsequently, on XX/XX/XXXX I  received an email stating that they are going to debit my checking account for a service fee on XX/XX/XXXX. Multiple calls to the offshore customer service center ( XXXX ) did not resolve the problem. This has been an ongoing issue for years due to the relatively small amount of the monthly service fee vs the time and money it cost to fully resolve. 

XXXX XXXX XXXX XXXX, through its subsidiary, XXXX XXXX, provided financial technology services, software and financial services regulatory advice and consulting to its customers, consisting primarily of small to large sized financial institutions. The {$1.00} XXXX organization was headquartered in XXXX, Wisconsin, and employed over XXXX employees in 35 U.S. cities. On XX/XX/XXXX,  XXXX was acquired by Fidelity National Information Services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have right to privacy. 

15 U.S.C 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-08-20
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
i got a {$1000.00} loan on my truck told them for the start my payday is on the XX/XX/XXXX of the month because im on XXXX.i get way behind because i was being charged daily on interest .a 12 month old loan and at 10 months i was informed i had only paid {$40.00} toward the principal.well to get them off my back, calling me day in and out, the refinanced a second loan of which i was 6 days past due and only had half my payment which was $ XXXXI went to the office on the XX/XX/2019.they refused my payment, claimed they can not take anpost dated or personal check.the next day i get a letter in the mail if i dont have 2 full payments of {$160.00} which comes to a total of {$320.00} the are going to repo my truck and thats truck is all i have that is worth anything and it 24 yrs old.i cant lose my truck ts all i have to get me to and from my drs apts.i dont have family or friends that can help me.im all by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Navient Solutions, LLC.
State: CA
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:
I am currently a student at XXXX XXXX XXXX XXXX still taking classes at least half time. This was the requirement presented to me when I left XXXX. XXXX XXXX in order to defer my loans. As of XX/XX/2017, Navient has told me that they do not offer this option on their private loans and that I have gone past the allowed amount of time in school or not, therefore I must start paying my loans now. Initially they wanted over {$900.00} a month which I do not have access to. After many conversations with them and finally having them call my father they lowered the price to {$290.00} per month, but only for the next 15 months, despite the fact that I was and, again, still am in college and still working to graduate. 

My initial loans for XXXX. XXXX XXXX were given by XXXX through XXXX XXXX as XXXX XXXX did not offer loans for the school directly. Without my knowledge or consent they were sold/transferred to Navient and I have had nothing but problems with them since. At first they would tell me I wasn't in school, even though I was, then they changed their story to I must pay the private loans regardless of my school status. 

As of today I have paid {$1700.00} and next week they i will pay another {$290.00} bring my new total to {$2000.00}. This month I also need to purchase all my supplies for my spring semester and hope I have enough money when all is said and done to still pay bills and feed myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Alliance Recovery Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today XX/XX/XXXX I was contacted by alliance collections from a XXXX and asked me my name I told them and they asked me my last four of my social I gave it to them he then got nasty with me and didnt tell me how much the debt was when I asked and told me I have to pay a loan back that I never took out I told him I never took out a payday loan Im on XXXX and he said from XXXX XXXX XXXX in XXXX and that I used a XXXX XXXX account to do so I said I closed those accounts in XXXX so it wasnt me that took out the loan. He then said ok we are sending out a supeona for court to have you arrested for non payment. I said ok he hung up. I called XXXX XXXX and I had closed my accounts with XXXX  on XX/XX/XXXX th and XXXX  XXXX XXXX XXXX he never stated when the XXXX  XXXX  XXXX  loan was taken and I never signed or took out such a loan in my name. I looked onlineat XXXX XXXX XXXX and it said I had a loan for XXXX through XXXX XXXX XXXX on XXXX but I closed my bank accounts through XXXX XXXX  XXXX so Im also confused how there is a loan in my name. Other than a x husband who I have a cpo in place for telecommunications harrassements and severe abuse  he even posed as me and used my child support card number for online purschases while out of out home without permission I have no clue how the loan was taken out or who took out a loan from their company. Please help Im scared.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-09
Company: SYNCHRONY FINANCIAL
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:
XXXX Credit card by synchrony financial. Refuses to give me my earned cash back twice! I have gone in person with my attached letter credit card that I use and my drivers license. When I spoke with XXXX and Synchrony who was beyond rude she told me that my credit card was invalid even though I use it daily and the number matches my award. She said that I had a new card mailed which I never have had. I believe this is a scam because they do it once a year and dont have the finances to pay everyone their earned cash. They told me a new card will be sent and to try again which means I have to go back to XXXX if they ever send a 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 2020-12-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank has closed my account with know explanation or notice. 
I went to log in online and it stated : " We locked you out of your account, please call XXXX. 
After calling the number they stated they have closed my account. I asked to speak with a manager. The manger told me after review of my account they choose to terminated my account. They would not give a reason when asked and told me know one at any level would tell me and it's in their contract that they can do this at anytime without cause. 
I then went to the bank in person ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ. ) to get my balance of {$1000.00} plus what is on my Chase credit card and was denied. They refused to give me my money. I think it is illegal to do this. I asked again for a reason and was denied. I am now worried about identity theft? I asked for my past 4 months of bank statements and was given copies since I can not accesses my account anymore because they locked me out. Those statements give no reason for termination to my account. 

Complaint is as follows : 1. No notice ( an email the same day is attached for you to review ) 2. No explanation or any suspicious activity ( 2 resent months of statements is attached ).

3. Denied my funds at the bank. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ ) 4. Have filed several high level complaints with the bank-no response.XX/XX/XXXX 5. I am also the power of attorney for my mother and our accounts are linked so that I can pay her bills if she needs me to. She has XXXX XXXX and that is why we set this in place with Chase. Now I can also not take care of my mother because of this. 

How a bank could do this to someone is unheard of. I understand if there was a legitimate reason as I understand that is how they can keep criminal activity shut down. I am an upstanding member of the community. Never been arrested. 
I now have no money for food or gas, how is something like this possible? 
I am a XXXX XXXX XXXX and can now not drive my buyers to show homes and perform other duties. 

I have documentation that I will attached for bank statement for the past two months along with other documentation. 


Please Help, XXXX I XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-11-29
Company: EQUIFAX, INC.
State: UT
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX TXXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: TN
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:
Creditor Name : XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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