BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-28
Company: Square Inc
State: TX
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:
Monthly for the past six ( 6 ) months, on the XXXX of every month backward from and including XX/XX/2021, Square  ( also called " XXXX '' ) payment processing service continues using my debit card/XXXX  account numbers to take payments for canceled services. 

As attached emails, documents, and bank screenshots show, every attempt, by me and by XXXX XXXX branch of XXXX XXXX XXXX, to stop these thefts has failed. 

Furthermore, that every contact with Square follows an identical profile strongly suggests that we have not been dealing with actual human beings at all, but instead with an AI ( artificial intelligence ) computer program that was designed to perpetuate fraud by imitating humans, thus deceptively leading complainants to believe that their complaints are being addressed in good faith. This problem is so widespread that the US/FTC recently issued a ruling to cope with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill having hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
As stated on my original complaint in XX/XX/2020 whereas Capital One Bank pulled my XXXX credit line for no reason after having for years In the middle of a Pandemic I was not satisfied with their response at all. 
I just recently found out that my credit score dropped 85 points on XX/XX/XXXX. All my bills are paid on time. 
I just wanted to bring this to your attention. 
Losing a credit line and having a severe credit score drop for no reason on behalf of a bully Capital One Banks business practices is horrific and very traumatic. 
And they can just get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at 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 2020-09-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a cell phone at XXXX from a XXXX kiosk over 7 years ago. I returned the phone to XXXX before 30 days. XXXX claims I never returned the phone, but I did, I had a receipt for the returned phone. They sent my account to collections, I called them, sent them a copy of the return, but they still refused to credit me and said, '' they couldn't take the account out of collections. '' This account has been sold to several different collection agencies over the years, and I've called every single one of them explaining I returned the product, but they insist I pay {$470.00}. 
Because the accounts been transferred so many times, it looks like my debt is only 2 years old. If I kept the phone I'd have paid for it, the XXXX manager at the time was aware of the return, I even sent them a statement from him saying he accepted the return. 
According to XXXX, they never authorized the return, but the return was made at the XXXX kiosk where it was purchased, then I was directed to the XXXX return desk to complete the transaction. It was paid for on my XXXX XXXX at the time, I closed that account because I closed XXXX XXXX. I'd appreciate this bogus collection which has plagued my credit creating a false low & constant derogatory blemish on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with the following company : Shellpoint Mortgage Servicing XXXX XXXX XXXX  XXXX XXXX, Michigan XXXX Shellpoint escrow does not pay the Homeowners insurance, we pay for this premium each year. Twice a year, Shellpoint sends us a letter stating that the insurance policy has lapsed and that they are imposing a policy at a rate which is 10X the cost of our policy. Each time this happens we upload a new copy of the policy which Shellpoint ignores and implements their own policy. Phone calls can not be routed to the organization which issues the policy letter, the Escrow organization denies responsibility, and all documentation is not acknowledged. Twice a year I have to have my insurance agent resolve the issue which takes several days to resolve. 

We have no recourse to prevent this issue, we can not get in touch with the correct department and we can not get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: MD
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 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  MDXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Principal payments- Contacted the lender through multiple emails and a phone call to try and find a way to make weekly / bi-weekly principal payments. Company only allows to make principal payments on the XXXX  of each month.

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 2020-09-22
Company: National Medical Administrators, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company siad I ordered their product and was charged to me on XX/XX/2020. 3 months later, I got a bill for {$150.00} from the collections company and told me i have 30 days to dispute the charge. 

I sent a letter to National Medical Administrators and also XXXX  limited-Black Label-No disputing the charge, I also sent them a copy of my credit card statement for the month of XXXX, 2020 which shows no transaction for the {$150.00}. I am waiting for their reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have synchrony card ending XXXX.I had promotional purchase with remaining balance about {$700.00} .On XX/XX/XXXX, I have called customer service and asked if paying remaining balance on XX/XX/XXXX will prevent me from occurring interest. The answer was yes. 
I have paid {$800.00} on XX/XX/XXXX and it was cleared the same day. Nevertheless, Synchrony charged me interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CITIBANK, N.A.
State: GA
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:
Around XXXX XXXX Citibank began charging me a penalty interest rate because I had been late on a payment. This was at a time when I was in a financial hardship because of a job loss. It is now XXXX XXXX and I am still being charged a penalty interest rate on part of my balance. Citibank has not made any effort to return my interest rate to the original rate. This should have been done after I made " timely payments for six months '' and yet it has now been at least two years according to my review of past statements. 
When I called Citibank customer service to ask about the rate being lowered I was told that " it does not qualify '' to be lowered. I do not know what that means. This is the same way I was treated by Citibank on my other credit card with Citibank. Only after filing a complaint XXXX with the CFPB did Citibank decide to lower the interest rate back to its original rate. That was in XXXX XXXX. 
Based on Citibank 's conduct, which has now been repeated on not one, but TWO accounts, it certainly seems that they are intentionally keeping the interest rate higher even though my account has been in good standing.

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 2020-09-22
Company: HYUNDAI CAPITAL AMERICA
State: PA
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:
Initially, on XX/XX/XXXX I went to XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was looking to make an exchange of my vehicle lease. The when I agreed to allow them to run my credit they chose not to disclose what was my score or what agency they looked at in coming to a determination regarding my credit worthiness. 

When I asked them for it, they said that the report comes through digital means and that it could not be printed out. the sales person provided me with a score that I knew to be incorrect from all of the credit services that I use. When I explain that fact to him, he told me that my services only give an estimation that is usually incorrect. 

As the deal for the financing on the new lease had to be done, they lost my credit profile and had to run my credit a second time ; this was about a month later in XX/XX/XXXX. Once again they failed to give me a report of how they arrived at their valuation of my credit worthiness. This company has been poor in its consumer relations, especially as it pertains to credit evaluation. 

Since that time, it has been disclosed that after taking in the previous vehicle and making the exchange for a newer model, this dealership did an evaluation of the vehicle 2 months after the exchange and did not acquire my signature as proof of its reported  damages. The damages that they have listed are also no accurate as the vehicle was not given to them with those damages. 

XXXX XXXX also failed to make the proper calculations as to the payoff that they needed to make to Hyundai Motor Finance on the first lease, which has prompted Hyundai Motor Finance to ask me for more money, even though that amount was transferred onto the new lease as part of the deal. XXXX made the original payments that they thought were accurate but Hyundai Motor Finance stated that they miscalculated the amount.In my calls with XXXX, they have not allowed me to speak with a finance professional from their location and finance professionals have not returned my calls even though I have left multiple voicemails when I have gotten through. 

Neither XXXX XXXX or Hyundai Motors Finance want to contact one another to settle this matter. It seems to me that they may be running a scam by adjusting amounts months after the fact and requiring consumers to take on more obligations.

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 2022-03-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I took out a credit card with Zale under a promotional offer. no one ever stated at the end of the promotion if you have a balance left when the promotion is over. the company will add the six interests to your bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: DISCOVER BANK
State: MI
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:
The following charges were made fraudulent by someone who stole my wallet. Discover bank refuses to credit be back the charges. 

1 ) XX/XX/XXXX {$15000.00} XXXX XXXX ( XXXX XXXX, NY ) 2 ) XX/XX/XXXX {$360.00} XXXX XXXX ( XXXX XXXX, NY ) 3 ) XX/XX/XXXX {$510.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 4 ) XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX ( XXXX XXXX, NY ) 5 ) XX/XX/XXXX {$660.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 6 ) XX/XX/XXXX {$800.00} XXXX XXXX ( XXXX XXXX, NY ) 7 ) XX/XX/XXXX {$190.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 8 ) XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 9 ) XX/XX/XXXX {$300.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 10 ) XX/XX/XXXX {$270.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 11 ) XX/XX/XXXX {$21.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 12 ) XX/XX/XXXX {$15.00} XXXX XXXX XXXX ( XXXX XXXX, NY )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: KY
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 third 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 accounts 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 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, KY XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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
Consumer complaint received 2021-06-02
Company: CrossCountry Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX $ was taken out of a joint account that i am the primary of for the other persons debt. In the pandemic every dollar is spoken for. I had bills already arranged and they took my money without warning which put my account negative when bills tried to process with no money left. When i called they couldnt tell me why they took my money as it was not my debt but refused to give me my money back. I reached out several times and spoke to different departments with the same answer that they could because it was a joint account. I never authorized them to take my money for someone elses debt. I just want my money back, returned check fees waived so I can close my account and be done with them. They have caused me and my family hardship during a PANDEMIC!!! Horrible company, they should be ashamed! 

Yes its Navy Federal Credit Union

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 2020-01-30
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/2019, I received a collection bill of {$210.00}. It was from a collection agency located in XXXX, Giorgia. According to them, the bill was from XXXX a company for which I am still a client. I contacted them via certified mail in order to confirm and prove that the account was not mine. The tracking number is XXXX ( copy of the letter is attached below ). I waited for them and after the holiday I received noticed that my credit score had come down more than 100 points. I started the dispute process just to find out that the amount was confirmed without giving me any details of the debt. I was successful to dispute the debt with XXXX  and the account/debt was deleted but not with XXXX  and XXXX. Please help me solve this issue that it is affecting my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ENOVA INTERNATIONAL, INC.
State: MO
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  Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation