BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone at US Bank sent me a DEBIT CArd and I do not bank with US BAnk, never requested to open an account, nor plan to open an account with US Bank. Thus, must be fraud as I have zero reason for this account. PLease contact me asap, as I can not get through on the phone.

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-21
Company: CITIBANK, N.A.
State: TX
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:
Office Depot ( Citicard ) gives out cards without activation requirements. I had some fraud purchases that had occurred and they didnt resolve it. 

I did not make these purchases nor was it authorized. 

XX/XX/XXXX {$41.00} XX/XX/XXXX. XXXX XX/XX/XXXX. {$200.00} XX/XX/XXXX. {$450.00} XX/XX/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 monetary relief
Consumer complaint received 2020-02-21
Company: JPMORGAN CHASE & CO.
State: PA
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:
Was the victim of a scam XX/XX/2020 for {$500.00} plus charges. I called into what I thought was XXXX customer service but it was a scam 800 number which I was told it was XXXX and that my acct and Chase credit card were compromised. That I had to make purchases online to block the scammers using my acct for the same type of purchase. XXXX resolved by removing the charges. However, Chase refuses to do anything and on top of that has closed my account for false reasons that may affect my credit report. Also unable to receive contact with XXXX XXXX which is where the charges occurred. XXXX is aware if this scam and will not do anything to help. These were guft cards issued from XXXX but due to not being purchased directly they will not reimburse me the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BlueChip Financial
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 22 phone calls in one hour from this debt collector. I told them it wasn't mine. they were insistent that it was. I don't need to have a debt collector calling me 22 times an hour for something that is not mine.

I have attached proof of calls.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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: Account information incorrect

Complaint:
XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.

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 2018-12-14
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: Information belongs to someone else

Complaint:
There is an account reporting on my credit file with Equifax for a college I have never attended, applied to or had anything to do with. I have disputed this several times and they still reporting this on my file. I have never heard of XXXX XXXX University until it showed on my credit file. This is not mine and Equifax is doing nothing to resolve this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I was going to help out and friend In need. I went to cash app them {$100.00} and it was sent to the wrong cash app. I requested it back from the person and they would not send it back. I reached out to cash app customer service and they said there was nothing the could do. They said the only way I could get it back is if the person was willing to send it back. They would not. They just kept requesting more money for me. So now I am out of {$100.00} that I could really use during the pandemic we are currently going through in America. I tried to make a claim through the bank and there was nothing they could do either because of some cash app privacy act. I was told I had to contact you guys and file a complaint to get my refund back. Any help would be great. I would really appreciate it a refund during these hard times to help put food on the table for my family. Thank you. 

Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX  XXXX XXXX  {$170000.00} XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  {$990.00} XXXX XXXX XXXX {$170.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well.

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 2023-07-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
BankruptcyXXXX  Case Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: CA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of Tricolor Auto Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX  XXXX XXXX  {$170000.00} XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  {$990.00} XXXX XXXX XXXX {$170.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well.

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 2021-05-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed up for automatic payments with the loan company on XX/XX/2021 & XX/XX/2021 I saw on my statement bad check reversal for {$1500.00} and I was charged for a returned check fee. The money was in my account I attempted to call and speak to someone about these charges and payments I was left on for for greater then 20 minutes multiple times, I left messages and I used their contact form. I did not receive any response from anyone. I never received a copy of the payment being returned by the bank from the company and my bank always contacts me with any activity on my account. I stopped the automatic payment program and now pay monthly. 

I then received a letter from my home owners insurance company XXXX XXXX XXXX that my premium had not been paid by the loan company. They tried contacting them multiple times also. My loan includes homeowners insurance, property tax and the actual mortgage payment. 
I emailed copies of my home owners insurance to my loan care and they were supposed to pay the homeowners insurance. 
This company has the worst customer service and no communication comes from them. I want to change loan companies, I have never had this lack of response from any other company I have dealt with. I am going to try and change loan companies

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
MY INFORMATION WAS BREACH FROM CAPITAL ONE CREDIT CARD I HAVE BEEN BEGGING TO HELP ME I CALLED THEM HOW AND WHAT HAPPEN FROM {$3000.00} BECOME ALMOST {$9000.00} I TOLD THEM I HAVE NOT USED THE CARD I HAVE NOT APPLIED FOR GYM MEMBERSHIP OR NOT APPLIED TO ANY TELEVISION SHOWED EXPLAINING IS NOT ME I DO NOT KNOW THE END OF THE YEAR AFTER FOUND OUT THAT I AM ONE OF SETTLEMENT MEMBER AND PROVIDED PIN NUMBER SIGN UP TO IDENTITY.DEFENSE AND XXXX AFTER THE COURT WAS RULE CAPITAL ONE CREDIT IS RESPONSIBLE FOR MILLIONS OF MEMBER INFORMATIONS WAS BREACH AND FOUND IN THE DARK WEBB INCLUDE MY INFORMATION TILL TODAY CAPITAL ONE CREDIT NEVER ASSISTED ME IGNORE MY CONCERN NEVER OBLIGATED TO BE RESPONSIBLE FOR WHAT HAPPEN CAPITAL ONE NEGLECTED ME AND LET THE COLLECTIONS HARRASSED ME EVERY DAY FOR THE AMOUNT THAT NEVER OWED MY CREDIT SCORE FROM EXCELLENT TO POOR NOW BECAUSE THIS STRESSFULL INCONVENIENCE FOR ME I WORK EVERYDAY AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE NOT EXPECTED THIS TO ME HOPING NEVER HAPPEN TO OTHERS I BEG FOR HELP NEED HELP TO BRING BACK MY IDENTITY TO NORMAL. PLEASE LET ME KNOW MY NEXT STEP I AM EXHAUSTED EMOTIONALLY PLEASE HELP ME... I WANT MY EXCELLENT CREDIT SCORE AND TO BACK NORMAL I DO APPRECIATED AND THANK YOU IN ADVANCE ALL MY INFORMATION IS OUT THERE NOT KNOWING WHATS NEXT PRAYING TO GOD NO MORE CAPITAL ONE NEGLECT ME NEVER HELP ME NEVER GAVE ME THE RIGHT EXPLANATION THAT I DESERVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I believe that this company violated HIPPA because they discussed this account and my medical history with relatives. I dont think this is something that they are allowed to do. I am asking that they withdraw this account and send it back to the original medical provider. I am appalled that they shared any information about my account or medical history to anyone they get on the phone. 
I do not wish to deal with them and I will get an attorney involved if I have too. 

I would like for them to put in a request for them to remove this account from my personal credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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 have filed two disputes with Experian regarding information being misreported on my Experian Credit Report related to an account that was previously closed and now reopened by the creditor. The account was closed after I was let go from my previous employer. The creditor put me on a payment plan and once the balance was paid down to XXXX  the account would be reopened. The account was paid down as of XX/XX/2020. I know have a negative balance of XXXX. Reached out to all three credit bureaus letting them know to change the status of this account to open and not closed. I filed the first dispute in XX/XX/2020 and the turn around time for their decision was less than a week. The updated the balance but did not change the status from closed. Filed again on XX/XX/2020, with documentation. Again their results did not change although they said it was investigated. I called the my creditor and they confirmed the account was reopened and sent me a new credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is actually a combination of several things : How payments are being handled and how fees are being assessed/charged. I have a Perkins loan that is being handled with Heartland ECSI. This loan is not covered under the CARES act so I wasn't expecting anything to change with my payments. I'm currently paying more than required payment and I've payed over 50 % of the loan off. I received notification in XXXX that the loan had been placed in Administrative forbearance by the University XXXX XXXX. The explanation on the ECSI site is not clear but my balance indicated that I still owed about 13.00 in interest. I tried to pay it since the loan is in forbearance ( and I didn't request it ) I should be able to make payments without penalty, right? Wrong. Any payments are assessed a fee of XXXX per payment. If you use a credit card, you are charged a 4 % processing fee. The only way around this? Set up automatic payments and take the loan out of administrative forbearance - which I wasn't willing to do with the economic uncertainty. I want the advantage of no interest. ECSI will not allow me to make a payment while the loan is in forbearance. without charging me a fee. How is this legal on a student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter regarding Greensky program settlement Administrator stating I was not to receive any monetary for this class action lawsuit. I believe I was a victim a solar panel that I purchased in approximately 2016. Greensky foundations  never issued my {$5500.00} rebate that I was suppose to receive from the electric company due to a solar panel installation rebate amount. 


The reference number stating I will be able to participate in the settlement when I should have. I ask that this claim be look into. 


Greensky settlement  claimant ID : XXXX

Company response to consumer: Closed with explanation