BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent a certified dispute letter to Experian stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX/XXXX XXXX XXXX Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from Experian stating the following : " Outcome : Remains - the company that reported the information has certified to Experian that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.

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 2018-06-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for an XXXX XXXX XXXX credit card and was informed on XX/XX/XXXX that I was approved. The card came, I used it at the post office on XX/XX/XXXX. On XX/XX/XXXX the card was declined. Thinking it was the machinery at the store, not the card, I tried again on XX/XX/XXXX. Again it was declined. On XX/XX/XXXX I called customer service at XXXX and after 55 minutes on hold was told I had to speak with Fraud Prevention. When I finally connected with them I was told they couldn't tell me why the card was declined - and that I needed to send proof of I.D . I snail mailed and emailed copies of my driver 's license and passport. 
I was given an ID : XXXX On XX/XX/XXXX I send them an email asking why I hadn't heard from them. 
My credit rating is XXXX and I have been denied two other credit cards I have applied for. I am sure HSBC is the reason. 
I have put {$56.00} on that card. I don't have access to the card to pay it. They haven't responded to my email or my letter. 
This is the worst, by very far, credit card company I've ever had experience with. 
Please help me find out why I am being denied access to credit cards. Please make HSBC contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received repeated calls at work and on my personal phone number from XXXX XXXX and XXXX XXXX claiming they are attorneys who are attempting to sue me because I will not pay a debt they say I owe. I have repeatedly asked for written correspondence for the debt and have never received it. I have repeatedly asked them not to call me at work and to not call me personal phone either, yet they continue to call. Today, XXXX/XXXX/19, they attempted to call my work and called the CEO 's office and told them they were trying to track me down for a criminal matter. I received the attached email from our HR department who received a call from the CEO 's office stating what XXXX XXXX said to them. Every time they call, they call from XXXX, which is the number for D. Scott Carruthers a debt collection firm. I want these phone calls to stop now! They are obviously trying to get me fired or this is some kind of scam. If this was legitimate debt collection they would obey the laws and send me something in writing and would also stop the phone calls when told to do so. I don't owe them anything that I know of and they refuse to send me anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Key Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, I began receiving notifications from various attorney 's seeking to represent me. The notices stated there was a possible garnishment against, for an account that had been paid and or charged off with the issuance of a XXXX. Prior to receiving the mail from the various attorneys, I had resolved the matter with this creditor over 6 years ago. I had not received any notices from an Attorney representing the credit card company no any notice from the company. So, these actions alone is a violation of the FDCPA. On XX/XX/XXXX, I reached out to XXXX County Magistrate Courts to get the details of the filing. They gave me a filing number XXXX. They provided me with the name of the Attorney who filed the case, XXXX XXXX of Cooling & Winter Law Firm. They stated a garnishment had been filed against me for a ruling dating back to XXXX. REALLY! In 6 years, I have never been contacted by either party and have been diligently working to repair my credit. Not to exclude, I had already resolved the matter with the credit card company and received a XXXX to be filed with the IRS. I am seeking to have this attorney disbarred. Seeking to have this garnishment reversed and any negative reporting REMOVED from my credit report immediately. I am seeking a letter from this firm acknowledging their wrongs and listing their actions to rectify the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: GA
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:
Equifax Confirmation number XXXX states that Bankruptcy Case Number XXXX was deleted. This is dated on XX/XX/2019. I just spoke with an Equifax Rep that stated that it is still showing up on Equifax. My attorney has just mailed off a letter with the intent to sue. Equifax is reporting damaging information that states that it was already deleted and it hasn't been. Equifax has exactly 15 days and no longer to rectify this issue. I have already spoken to the Courthouse. They do not report information to the credit bureaus. They stated that a third party reports them. From what I understand, that is illegal because inaccurate information can be transcribed from the third party and has. I am not pleased. I spoke with 2 reps and a supposed supervisor. They were of no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with XXXX, XXXX  and Experian, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting a payment was past which it was not please see payment history attached and please correct this inaccurate remark Account showing XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX-Finance Manager at XXXX XXXX agreed to hold contract for 3 days until I seek a better interest rate. On, XX/XX/XXXX, I informed him that I'd received a better interest rate and that he is to cancel the previous contract. He submitted the previous contract anyway be cause he didn't believe that I actually got a better rate and that his boss was pressuring him to submit it due to end-of-month sales. I went into the dealership on XX/XX/XXXX to demand a cancellation of the contract. Since XX/XX/XXXX, I have been trying to get this contract cancelled. I've gotten no cooperation from the dealership. I contacted American Honda Finance to inform them of this fraudulent loan but they said that the dealership has to cancel the loan contract. This is truly a case of discrimination. I have voice recordings of all meetings with everyone I met with at the dealership. Even the Finance Manager who submitted the loan contract admitted to his actions and the discrimination behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
This account is more than 7 years old and should have been deleted last year. 

1. XXXX XXXX XXXX Last reported XX/XX/XXXX {$26000.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance These inquiries I did not authorized. 

Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX  Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/XXXX reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the  CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XXXX someone made a purchase using my debit card for {$470.00} at a XXXX XXXX XXXX XXXX XXXX for {$520.00} On the same day. Chase Bank caught both FAKE transactions and reversed it at that time. I received a letter from XXXX in XXXX that they investigated the XXXX XXXX XXXX transaction and found that it was processed correctly i informed XXXX that I've never been to a XXXX XXXX  in my life and ask what proof did they of it. XXXX sent me a copy of the receipt from XXXX XXXX that was sent to them with a FAKE signature of mine and someone by the name of XXXX XXXX picked up the order ( not me ). I asked for a copy from XXXX, they mailed it out to me and just like I thought not my signature, so I called XXXX back after to state my claim and they told me there's nothing else they can do. I'm no {$470.00} is not a whole lot of money but it is my money somebody stole from me and I just want it back ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was negative {$40.00} on XX/XX/XXXX. I made a cash deposit at an ATM that evening at XXXX of {$41.00}. The account was positive XXXX  cent. On XX/XX/ I also recieved a direct deposit in the amount of {$370.00}. The bank charged me {$180.00} in fees and stated my deposit of {$41.00} didnt apply until the XXXX of XXXX not XX/XX/XXXX. I brought in the receipt of the deposit from the ATM which clearly stated the deposit had been made onXX/XX/XXXX. The bank refused to credit the overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Synchrony Bank of XXXX Florida has sent me letters concerning my application for four different accounts. They have turned them down and notified me of the actions. The problem is that someone else has submitted the applications claiming it was done jointly with me. I have never done any business with that bank. They try to avoid providing me with any information about the crook involved. The name might be XXXX XXXX. 

There have been previous attempts to steal my credit cards from banks that I use. One stated the card had been lost and a new card should be sent to XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. Another used a XXXX XXXX Address. 

Hope you can catch the crook.

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 2020-06-29
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for the loan XX/XX/2020 $ XXXX {$25.00} interest+ {$75.00} processing had just had XXXX. Asked the processor about payments and interest rate was quoted wrong rate .08192 % his answer was he didn't have a calculator. Made scheduled payment of {$150.00} XX/XX/2020 and another {$100.00} XX/XX/2020. Principle balance on line showed as {$350.00}. On XX/XX/2020 he interest rate changed and they reduced my line of credit. Called on XX/XX/2020 agent stated rate as .08192 % no calculator, no accounting department and no supervisor. According to Virginia statutes the interest rate applied is usury and 10 % is the cap. On XX/XX/2020 I paid $ XXXX {$35.00} interest and informed CashnetUSA that acceptance of my payment acknowledged payment in full. I contacted the XXXX and Cashnetusa stated I had no account. I have received calls, emails and a letter. I am unemployed because of Covid19 and at high risk XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Harley Davidson Financial Services Inc
State: NY
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:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Resurgent Capital Services ( RCS ), a debt collection agency, regarding a fraudulent account back in XX/XX/XXXX. I submitted all required documentations to verify that the account was indeed fraudulent. Upon completion of their investigation they found the account to be fraudulent, and sent me correspondence that the account would be closed and deleted from my credit report. The letter they sent out was dated for XX/XX/XXXX. Upon checking my credit report XXXX XXXX, the account was still on my account as accurate. I then submitted a dispute with XXXX because the debt collector was still reporting the account as negative and accurate. I called RCS again in XX/XX/XXXX, and they told me the account was closed and was fraudulent, and sent out a new letter dated for XX/XX/XXXX saying they would delete the account and have it updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received the attached letter ( XXXX XXXXXXXX XXXX XXXX XXXX '' ) on XXXX XX/XX/2018 thanking me for applying for a " XXXX credit card account ''. I did not apply for this or any other financial service from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo is posting my mortgage payments late. In some cases up to 5 business days late. I'm getting late payment fees from my lender XXXX XXXX because of this. It's been an on-going thing now every month or so.

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 2021-02-11
Company: XOOM CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Each month I send approximately {$170.00} USD ( XXXX XXXX SHILLINGS ) via Xoom to my landlord in XXXX. I received an email from Xoom stating the transaction had been completed, but my recipient NEVER received the funds. Xoom 's website had been upgrading sinceXX/XX/21, but Xoom did not notify customers till XX/XX/21. Xoom states the recipient received he funds, although their website is down. My recipient only received a message that the funds are not available. Normally, it only takes a few minutes, this is over 24 hours and the recipient still has no money. 



Transaction number : XXXX Transaction date :XX/XX/2021, XXXX XXXX EST Date available for recipient :XX/XX/2021 EAT Send amount XXXX XXXX XXXXotal paid XXXX USD Recipient receives* XXXX XXXX Exchange rate XXXX USD = XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am very disappointed with PNC Bank not allowing any square up transactions to be deposited nor any other transactions at all. I was never informed why any restrictions has been placed on my account without my knowledge.please help find out what is the problems with my checking account.

Company response to consumer: Closed with explanation