BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
Company: DISCOVER BANK
State: WA
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/XXXX I purchased two airline tickets from XXXX for {$490.00}. One of these tickets was cancelled with XXXX on XX/XX/XXXX. This charge was never refunded to me. On XX/XX/XXXX, I went to use one of the tickets and found out that the second ticket was never refunded or cancelled. I lodged a dispute with Discover Card for {$490.00}. 

In XXXX, they charged my new account {$490.00} and then took off the charge in the same amount of {$490.00}. This credit has nothing to do with the XXXX charge that is sitting on my old account. If you look at the documentation I provided, it is showing a charges totaling {$990.00}. That number should be {$490.00}. They are missing a credit. Only one airline ticket was purchased.

D

iscover placed a {$490.00} credit on my account but they placed it on an old account. Therefore, I am not seeing the credit. I have made numerous calls to Discover in an attempt to fix this. Each time I am promised that the credit will be moved over to my new account within a few days. But the credit never gets placed on my account. As a consequence my balance with Discover is {$490.00} more than it should be.

Discover is failing to fix this for me, despite numerous calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27
Company: Experian Information Solutions 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:
After chapter XXXX  filing was completed, I opened a new credit card with XXXX XXXX XXXX. I used it for a couple of month, but I decided to close this account since their customer service quality is too low and payment system was very inconvenience. 
I closed it on XXXX, 2019, but I found they put incorrect information on my credit report as " discharged from chapter XXXX filing '' It is non-sense because this account was opened after my bankruptcy. 
I had tried twice to correct this information thru Experian dispute, but it still remained on my report. 

Please help me out to remove the incorrect status for this closed account 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 non-monetary relief
Consumer complaint received 2018-07-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We currently have a Loan Forebearance with Rushmore Mortgage which was established via the Loss Mitigation Department through XXXX Mortgage and they are constantly harassing us on a monthly basis by continually sending a Loss Mitigation Packet! We have already been approved for Loss Mitigation and I have also spoken to the PoC in XX/XX/XXXX regarding our Forebearance which she finally acknowledged goes through XX/XX/XXXX. Therefore, we should not constantly receive a Loss Mitigation Packet Every Month! We should only receive the statement of account regarding monthly balance owed to ensure we have the same accounting/reconciliation of account. We also should not be receiving Notices Placed on our Front Door from Rushmore Mortgage Servicing, since we are currently in a Valid And Approved Loan Forebearance Agreement! Pleases stop harrassing us as if we have done nothing to remedy our Mortgage Account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: USI Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received multiple calls to my home and answering service from a company called USI Solutions saying I owe approximately {$400.00} on a credit card from XXXX XXXX XXXX from 2009. The calls began on XX/XX/XXXX to my home number, no message was left, but they left a message with my answering service which is a XXXX service where you just leave a message. I returned the call on XX/XX/XXXX. They said they had mailed this information to my XXXX XXXX , which I told them I did not receive. I said I did not remember having any credit card with this Bank, and I did not owe this money. I may have had an issue with a credit card in the past but it had been resolved. They said they would email me the information, which they never did. They implied I was being belligerent by refusing to cooperate. The call got disconnected, and they accused me of hanging up. I asked them if I have owed this money for 9 years, why am I just hearing about this now? I have has the same address and phone number for 28 years. 
I have received NOTHING IN WRITING FROM THEM! 
I have continued to receive calls to my home phone on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and my answering service on XX/XX/XXXX at XXXX XXXX, saying now that I had received the email from them, I should pay them what I owed. 
I obtained my credit report from XXXX, and I do not owe any money to any debt collectors or to XXXX XXXX XXXX cc. I refinanced my home one year ago, and I doubt I would be able to do so with a debt hanging over me. 
USI Solutions phone number is XXXX or XXXX, I spoke with XXXX at extension XXXX. I also spoke with her supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I Received An E-Mail From XXXX XXXX ( Posing As One Of The Attorneys ) And Repres enting Speedy Cash On XX/XX/XXXX Stating The Following Information Below!! 

CREDITOR : Speedy Cash XXXX XXXX. XXXX XXXX Case No : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceeding on XX/XX/XXXX but you failed to respond on time now it's high time if you failed to respond in the next 12 HOURS we will register this case in court, Consider this as a final warning and will be E-Mailing/Fax this issue to your current employer to make they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to imform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local country sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I XXXX XXXX XXXX XXXX did in fact log into my Western Union account to send a transaction to one XXXX XXXX XXXX who I have sent transactions to before and it was cancelled and they stated it was due to a business decision. This transaction was for {$500.00} or {$600.00} it was around XX/XX/XXXX - XX/XX/XXXX. The company told me I would receive refund no later than XX/XX/2019 however I yet to receive the refund. They also failed to activate a Western Union Net Send card and have yet to return {$25.00} deposit in the form of a check. The also envaded my privacy by asking me some very private questions. They then told me two days it should be refunded in 25 hours and now I'm being told to send a copy of my bank statement. This has really affected my life and would like to press charges if possible and sue if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: PA
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:
On or around XX/XX/XXXX I noticed XXXX XXXX was on my credit report I know thats account was cleared however XXXX  and equifax has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove XXXX XXXXnis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because XXXX XXXX is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that XXXX XXXX would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately Equifax and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX job/ no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The first date is XX/XX/2020 I got deposited XXXX cents tried to get my funds and they wouldnt let me add a debit card stating my account is closed. Then XX/XX/XXXX I received a direct deposit of XXXX, tried to take the funds off all together which was a total of XXXX I sent numerous amount of emails and they sent me a automatic message stating that they cant give me any information. Going along I reached out about 7-8 times and have been just ignored. Moving further. On XX/XX/XXXX I then received another deposit to a supposedly closed account of XXXX on XX/XX/XXXX. I then tried to receive my funds by adding a debit card and couldnt. That is a total of XXXX that I cant retrieve I reached out to square cash. Cash app more than 20 times and they have not gotten back to me. No answer or response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX  XXXX, XXXX XXXX and XXXX XXXX, has over charged me. My bill was {$25.00}, however, I was charged {$70.00}. I tried calling the restaurant multiple times and after not getting an answer I went up there and spoke to the manager, XXXX. She told me that she would have it resolved in 2 days but after 3 days of not hearing from her I went back up to the restaurant to speak to her. She never fixed the problem so I filed a dispute with my bank and they temporarily credited {$44.00} to my account. As of today, I received a letter that the dispute has been resolved and they will remove the credit of {$44.00} from my account because provided documentation rebutted my dispute. However, as I looked through the evidence that Bombshells provided, it showed that someone did sign for a bill of {$70.00} for my card but I never signed anything. They did not show the signature, just when that person tipped. In conclusion, the server used my card to pay someone elses tab. I never signed off on the receipt of {$70.00}. I should not be held accountable for our waitresses mistake. I will attach the correct receipt, I only ordered 4 draft beers. As for the tip receipt, I got one but never got a pen so I took it with me and later noticed that it was the tip receipt to a man named XXXX XXXX at a different table which shows how easily XXXX, the waitress could have gotten tabs confused.

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 2021-07-07
Company: Financial Credit Network 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/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2021, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. On my previous dispute dated on XX/XX/2021, I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. FINANCIAL CREDIT NETWO, Account # 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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
They are reporting a score of XXXX to the lender XXXX XXXX This is not even close ... 
they want me to pay a fee to get my score. This is bogus ... if they are reporting it then when I ask for proof I am not paying! This is my lively hood. Every monitoring app I have shows my score to be bewteen XXXX so I want them to justify this!!! With the score attached with my report

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 2017-08-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

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 2018-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 XX/XX/18 BANK OF AMERICA, stole {$150.00} out of my checking account without my knowledge nor authorization. It says for recovery fee for a forced closed account. BANK OF AMERICA is referring to an account in my name that I requested closed over a year now because of fraud on that account. I spoke with many BOA agents and advised them of this, BOA and all of its agents refused to close the account. Charges that were not mine continued to hit that account and eventually it was overdrawn, and BOA forced closed it. Again, I demanded that account closed numerous times, I've filed complaints against BOA to close that account and remove the unauthorized charges from my name and not BOA nor its agents did so. Now BOA has the audacity to steal my currency!

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 2021-07-07
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: AES/PHEAA
State: DC
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:
XXXX has failed me at every stage of repayment. 

XXXX has violated the Fair Credit and Reporting Act ( FCRA ), Fair Credit and Reporting Act ( FCRA ) intended to protect consumers like me. XXXX should note that this is a case of financial mis-selling. 

XXXX engaged in knowing misrepresentation - the harm threshold is necessary for a lawsuit, given the present demonstrable actual damages and future damages. It is evident that I will suffer real damage as a result of this misinformation from XXXX. 

On XX/XX/2018 I called XXXX at XXXX XXXX I spoke with XXXX   representative ( ID # XXXX ). I believe XXXX has a record of this call and the other calls I made in XXXX. If not, I can send XXXX my copy of the recorded call. I still haven't received any information from XXXX stating the XXXX payment has be correct from {$750.00} to {$270.00}. XXXX informed me when I called that the XXXX payment will be corrected from {$750.00} to {$270.00} because XXXX made a mistake by not sending me a notification of denial letter, informing me that my Public Service Loan Forgiveness recertification application had been denied. It's been 2 months and I still haven't received the letter with the adjusted XXXX payment of {$270.00} as promised by XXXX. I have sent 3 separate emails to XXXX and no response. Instead, XXXX has sent me a delinquency notification dated XX/XX/XXXX, because I informed XXXX that I am waiting to receive the letter with the corrected payment of {$270.00} or {$320.00} for XXXX before making payment. XXXX still hasn't sent me the letter with the corrected payment amount. Instead the have received the following letters from XXXX : Loan Sequence : 1 Financial Transactions letter dated XX/XX/2018 An approved interest capitalization letter dated XX/XX/2018 A second delinquency letter dated XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
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: Account information incorrect

Complaint:
I'VE COME TO REALIZE THAT EQUIFAX IS REPORTING THE INCORRECT SOCIAL SECURITY NUMBER ON MY CONSUMER REPORT!!!!!!! I OBTAINED A FULL CONSUMER REPOR FROM ANNUALCREDITREPORT.COM AND DID NOT RECOGNIZED ANY ADDRESS! THE LAST 4 OF THE SOCIAL THAT IT SHOWS IS XXXX! I SENT MY PROOF OF IDENTITY TO EQUIFAX AND THEY REFUSED TO DELETE EVERYTHING AS I DEMANDED. EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER! PER 15 USC 1681 ( A ) 3- CONSUMER REPORTING AGENCIES ASSUMED A ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMER. PER 15 USC 1681 ( A ) 4- THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMER 'S PRIVACY!! EQUIFAX IS VERY MUCH SO INVADING MY PRIVACY ESPECIALLY BECAUSE I DID NOT EVER PROVIDE EQUIFAX WRITTEN INSTRUCTIONS TO FURNISH ANYTHING ON MY REPORT ON MY BEHALF! THAT IS PER 15USC1681B ( A ) 2!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation