BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I used PayPal XXXX to purchase products from XXXX XXXX online. On XX/XX/XXXX I returned the products to the XXXX XXXX and was partially refunded XXXX cents to my PayPal account on XX/XX/XXXX, Transaction ID : XXXX. I contacted the XXXX XXXX and they said that the balance was refunded to PayPal and directed me to the online receipt that shows {$1900.00} was refunded to PayPal cash. I opened a dispute with PayPal to recover the refund from XXXX XXXX, XXXX and PayPal said they needed proof that the products were returned. I provided PayPal proof the tracking information from the XXXX XXXX website that showed the items were returned.

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 2019-08-29
Company: Bread Financial Holdings, Inc.
State: CA
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:
XX/XX/2019 To Whom It May Concern, Today I became aware that fraudulent charges of {$660.00} were placed on my XXXX XXXX Comenity Bank credit card on XX/XX/2019. The charges are {$310.00} and {$310.00} and a late fee of {$27.00} and a finance charge of {$15.00}. 

According to " XXXX '' the XXXX XXXX Manager in XXXX NV, ( XXXX ) XXXX, NO purchases or orders were made in 2019. 

I called Comenity Bank customer service XXXX XXXX XXXX XXXX and spoke to 'XXXX XXXX. She directed me to the fraud line XXXX XXXX XXXX XXXX where I was placed on 'hold ' with no call back feature. 

I sent emails to the Comenity Bank company through the credit card website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I contacted XXXX a week ago, asking why was I declined for a XXXX  and the reason states that I dont pay enough of my balance. 

Yet I have paid in full. XXXX support completely has ignored me for a week, this type of support is ok for a tech company. But is not ok for a credit company. 

This is both scary, and insane. 

XXXX is building a monopoly on financial services, conquering the digital world. Yet they refuse to hold themselves to any type of standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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: Was not notified of investigation status or results

Complaint:
To whom it may concern : The bureaus have reported something on my consumer report that is not 100 % accurate in an attempt to damage my reputation as a consumer and cause me great pain and misery! 

The courts have not supplied the bureaus information about a public record pertaining to me I asked the bureaus to please RE INVESTIGATE and provide proof from the court of this public record! I have never filed bankruptcy ever in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
on the XX/XX/2021 Bank Of America charged me 3 overdraft fees on items that I already paid for days prior, their excuse is that the merchant just came in to collect the funds that was promise to them. My concerns is that when I made these purchases the funds were available on that day and they were subtracted form my checking account on the day of the purchase in other words they were reserved for the merchant if the merchant came to collect their funds a week or a year later, if the funds were already subtracted on the day of the purchase ( my account was already charged and my new available balance reflected the purchase on the day of the purchase ) why am I paying overdraft fees on things that I already paid for? there's plenty of law suit on these matter I guess BofA just doesn't learn. I have uploaded a screenshot that clearly shows that after my purchases were done i still had an available balance.

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 2023-06-10
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 are reporting missed payments to my credit bureau in my mortgage. when this information is not correct. Last year my loan was in loss mitigation and for this reason the bank did not allow me to make a payment. but they are reporting it as missed payments without this being true. 
I come to you to help me correct this. I have called XXXX XXXX several times and they do not finish correcting this situation.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-12-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Recently, I opened a Citibank account brand new just had my direct deposit switched over from my employer. Currently, the home I live in is my fathers name however, I make all the mortgage payments and I handle the homeowners policy.. Recently recently I had a renewal on my homeowners policy and they sent me a refund check in the amount of {$520.00} my father, signed the check over to me because technically its my money since Im the one that pays the policy and the mortgage. I decided since it was a brand new account I was gon na put some money in the savings and mobile deposited the check to Citibank. They accepted the check. I think they gave me {$100.00} upfront available and the next day the remainder of the balance was available. Believing that I had this available. I went ahead and spent money on XXXX presents and so forth. Now here it is two days before XXXX  and Citibank freezes all of my accounts with all of my money. I have no money for gas. I have no money to buy XXXX dinner. I have absolutely nothing. I was not notified about this hold or freezing my accounts. I went to login and everything was gone. My accounts were completely disappeared out of my app. I cant get any answers. They told me 24 to 48 hours that was two days ago I called today theyre telling me 24 to 48 hours. I explained I have no money not even any gas money I asked them whats the expectation of what will be the outcome they cant give me an answer my direct deposit that I just newly had switched over to them is going to hit next week and I dont even know if Im going to have access to it no one will give me any answers. They barely speak English over in the XXXX. I tried counting, contacting somebody in the United States And had a branch manager contact them they are requesting that me and my father go into the branch together which is 10 hours away because the closest one is either XXXX XXXX or XXXX. They have closed all their brick and mortar locations. And are mostly online, but they wont accept documents online to resolve the issue. They want us to drive 10 hours on XXXX weekend to go down there. I am just livid. This is unacceptable in every fashion and theres absolutely nothing that I can do about it. I live paycheck to paycheck and theyre putting me in financial distress a few days before XXXX. Its disgusting and I cant get any answers and I need help.

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 2022-10-31
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the fair credit reporting act XXXX  U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX XXXX Account XXXX XXXX And Account # XXXX And Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An open end consumer credit transaction initiated in XX/XX/2020 has resulted in theft and deception due to unconscionable contract and fraud of CIG FINIANCIAL. This company stole a vehicle that was paid in full, and continues to report intentionally harmful data to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, and XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was lied to about the payment and what the payment was. Harassing calls XXXX-XXXX -XXXX+ collection calls. 
Family members began to complain about the harassing calls that came from this company. XX/XX/XXXX I began to answer calls from this company about my debt. Talking with this company I was told that the payment they wanted was a settlement for my account. I talked to Williams and Fudge XX/XX/XXXX about settling my debt and what they would do to my account. They told me since it's a settlement it will clear my account and it would be off. On XX/XX/XXXX I made the payment and was told the payment would post to my account in 20 days and I would receive receipts via email I never got. XX/XX/XXXX more than 20 days after I payed my settlement my account has not been cleared. Instead of it being a settlement like I was told they used it as a payment towards my debt. When I called Williams and fudge on XX/XX/XXXX they said that it was a miscommunication and that it was not their fault my family and I received calls at XXXX-XXXX. when I waited for the time they told me it would take said I waited too long to call and was treated like I was the one at fault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: Albert Corporation
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Albert app out of XXXX XXXX, CA. Signed me up automatically with a savings account I do not appear to have access to and they withdraw nearly daily small increments from my personal checking account. I can not turn this " smart save '' feature off in the app. And reached out to the company via email to request it stop. Several times they have told me it was turned off but the charges continue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have received dozens and dozens of email offers ( approaching XXXX ) from American Express over the past 2 years offering XXXX skymiles if I add an additional authorized user to my XXXX XXXX XXXX XXXX  account XXXX On XX/XX/XXXX, I clicked through one of these offers and added my wife to my account. In the offer it stated I had until XX/XX/XXXX to meet the minimum spend requirement of {$500.00}. I met this requirement within 1 month and have spent the last 4 months waiting on Amex to make good on their bonus miles offer. I have attempted to contact Amex support 4 times, and they keep stating that they dont have any record of active offers for my account, despite me having screenshot proof -- and while they continue to send me the same exact solicitation. On more than one occasion they just closed the case after the promise of an escalated follow up with no response. There is clearly some kind of error in their systems registering click throughs on these offers, but they are refusing to honor to the point it feels like bait and switch fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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 2022-09-11
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX-Notary came to my house to sign closing documents. The signed Note was filed with the county recorder ( as per county recorder website ). 

XXXX A new Notary came to my house to sign closing documents a second time. I was told my original closing documents were lost in the mail. 

XXXX A new Notary came to my house to sign closing documents a third time. I was told my last name needed to be updated on the documents. A total of three different Promissory Notes were signed by me. 

XXXX I sent a verification of claim in the form of a Request for Inspection of my Original Wet Ink Signature Promissory Note. A copy would not be acceptable. 

XXXX Mr. Cooper sent a letter stating they were " unable to provide the original wet ink signature promissory Note as it could get damaged in transit. '' They enclosed a copy of the promissory Note. 

XXXX Their inability to allow me to inspect the Original Wet Ink Signature Promissory Note gave me reason to believe there is SUSPICIOUS ACTIVITY. I sent a second letter requesting documentation and proof of claim. I requested the following : -Proof of the existence of the account or contract in my actual flesh and blood name duly signed and witnessed by BOTH parties. 
-Proof of claim that this company is the current holder of due course of the Original Debt Instrument by allowing me to inspect my Original Wet Ink Signature Promissory Note. 
-Copy of the actual account whereby bank assay has occurred showing actual loss incurred of the alleged debt via an affidavit that this company is a creditor of the note in accordance to Generally Accepted Accounting Principles ( GAAP ). 

XXXX Mr. Cooper sent a letter stating my correspondence has no legal validity and is not a valid request. They stated Mr. Cooper was the holder of the Note and Mortgage and had the authority to enforce all rights under these documents. Additionally they THREATENED to report the invalid documents received to the appropriate authorities. 

I have remained in honor by keeping my account current throughout this entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was sent to collection by XXXX XXXX for a debt the was supposed to be sent to XXXX XXXX. XXXX never forwarded the bill to XXXX XXXX, but instead put me in the hands of XXXX collection and now Overto Russell & Doer. This account is XXXX years old. I have documentation from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
Why do you keep on closing my complaints?! I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX 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