BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I placed an order on XX/XX/2021 with XXXX XXXX XXXX XXXX in the amount of XXXX via Paypal. I selected the installment payments. Under the pending on my paypal account it states the customer would not be charged until it is shipped. I did place an order for XXXX for only ONE TRANSACTION however, I was charged TWICE for the same amount on the same day, I contacted XXXX XXXX XXXX XXXX and was instructed to contact XXXX XXXX XXXX XXXX XXXX Representative stated I was only charged once by XXXX XXXX XXXX XXXX which is correct. Why I do I have duplicate charges?

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 2019-05-10
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2021-09-18
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I sent a letter regarding inaccurate and misleading things on my credit report. To this day, over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been 31 days so they should be deleted at once. I demand these items be deleted immediately or I will file for litigation due to the harm and stress Ive been subjected to. My information was also impacted by the Equifax data breach and I fear it may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Express has been filing for many years to investigate fraudulent transactions and have refuse to work with me the customer to correct anything. their abusive staff and agents don't even know how to communicate and engages in threatening behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
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: Old information reappears or never goes away

Complaint:
I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to EQUIFAX, XXXX and XXXX that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask EQUIFAX, XXXX and XXXX to sent me everything they have that proofs the account is mine but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
company didn't send me the information i ask for but did get XXXX to note on my account that it is confirmed and verified. How could that be when the account doesn't have any payment history, no open date, no terms of original contract, no DISPUTE history noted yet it was confirmed as accurate by the credit agency XXXX. The agency 's name : Midland Credit management, Actt # XXXX, amount : XXXX. This collector didn't care enougt to give me the information i ask for but passed me by and reported it on my credit report as accurate and justified as complete and accurate. Never mind all the missing informatoin. This has seriously hurt me and my families credit worthiness. Iam retired XXXXyrs old military man and in need of your help with this issue.please have them correct this inaccurate and incomplete account or Delete it from my account. thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am contacting you regarding mortgage forebearance under the Cares Act. It is my understanding that the intention is for lenders to provide  mortgage forebearance in the form of adding the 90-day deferment to the end of the loan life. It is not the intention that lenders require the deferment in a lump sum payment at the end of the deferral period, plus then the current month due. This is not what LoanDepot is doing. I attempted to call to inquire about forebearance and was directed to website citing extremely long wait times. On the website, is clearly posted their policy to require a lump sum arrears payment plus current month due payment. This is obviously no help at all. It does add a clause saying you can argue the lump sum payment later but these are the terms that must be agreed to now. Well, I am smart enough to know that if I agree to it, I am beholden to it. I can't risk losing the agrument later and being in a even worse financial crisis. 

I am contacting you in order to alert your organization to this potential violation of the Cares Act. And in hopes of helping other LoanDepot mortgage holders. Company contact info : LoanDepot, XXXX. XXXX XXXX, XXXX NJ XXXX ; loandepot.loanadministration.com ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX  XXXX XXXX {$6300.00}, XXXX  XXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX  XXXX XXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: BARCLAYS BANK DELAWARE
State: NM
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:
Barclays financial has closed my account while I battled an illness and they continue to process payment attempts from my bank account without my permission which has caused me to receive multiple over draft charges from my bank. I do not have automatic payments set up and I have not attempted to make a payment or settle the account yet they continue to process payment attempts. I was told by a local attorney that their actions are illegal and I am wondering if I should obtain legal representation.

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 2018-09-14
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.

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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Billing dispute for services

Complaint:
I was trying to buy a house and my trans union credit score randomly dropped 83 points due to a credit card balance transfer. I thought the trans union site would be the best place to resolve this problem with trans union that did not occur on XXXX or XXXX. Once on the website transunion.com I was directed to create an account. I thought this was normal, but then it asked me to enter a credit card. It did not disclose what the credit card was for, but it did not appear to be selling any thing, there was no service or price apparent anywhere so I assumed the credit card information was for identity verification. I created an account only to find that not only was I charged {$24.00} I was subscribed to a monthly service that would charge me every month for {$24.00}. How could this be? How could the entity that determines if everyone in the country is credit worthy use deceptive and crooked business practices and not be held to account for them. I cancelled immediately, but could not erase the initial charge. There is something very wrong here that should be investigated. Trans Union can not be both the arbiter of who is credit worthy and robbers who trick people with deceptive business practices. XX/XX/2021

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 2022-08-09
Company: EQUIFAX, INC.
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: Problem getting your free annual credit report

Complaint:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, XXXX, & EQUIFAX. Proper identification is provided. I DEMAND A RESPONSE WITHIN THE NEXT 15 DAYS UPON RECEIPT OF THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my Capital One account in full in XX/XX/XXXX. In XX/XX/XXXX Captial One charged a membership fee of {$39.00} but failed to notify me that the charge had been made or that I owed the amount. 

Capital One continued to charge late fees & interest on top of their membership fee until the card accrued a balance of - {$150.00}. 

On XX/XX/XXXX I received notification from XXXX that there had been 8 recent inquiries to my credit report which prompted me to immediately check my credit cards for unauthorized charges. 

I logged onto Capital One to discover that not only had they charged my card as detailed above, but as of XX/XX/XXXX closed my card. 

After discovering the charge I reached out to Capital One however, they were of little help & continued to repeat that the card had been closed. 

Between XX/XX/XXXX and XX/XX/XXXX Capital One sent no notification that my account had a balance or was past due. Instead they chose to close the account which could potentially have a negative impact on my credit score. 

I have attached an activity summary between XX/XX/XXXX & XXXX that illustrates what I have outlined above. 

I feel that I have been treated unfairly & furthermore that, through no fault of my own, my otherwise good credit history has been tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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:
Experian is reporting on my mortgage with XXXX XXXX   a comment/remark that is not accurate, nor authorized : The comment reads, " Account effected by natural disaster ''. This is false as the account is paid as agreed and current. Therefore, no remark nor comment is necessary.

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX  XXXX XXXX {$6300.00}, XXXX XXXXXXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.

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 2021-09-18
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
American Express has a history of discrimination towards people of XXXX and dont fix fraudulent issues with poor people of XXXX like myself Ive been a victim of fraud and I didnt apply for a Hilton honor credit card and my fraud case was denied due to payments were made and I didnt authorize these payments and I contacted my banks to issues a payment dispute and the bank returned the money back to me since it was fraud and American Express are not accepting my claim again I have filed a police report and send in the documents to them 4 fax numbers they gave me and each time I called them they lost them in transit and I would like for this account to be removed from my credit report I didnt apply for this card all the payments were reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, I deposited a check with {$5600.00}. 
On XXXX, The check was returned by Chase due to lack of signature. 
On the same day, after I know the check was returned, I went to Chase branch at XXXX XXXX, VA and deposited the check in the ATM under the guidance of a staff. 
After that, Chase told me the as this is a duplicated check so they put a - {$5600.00} ( debit ) on my account and also told me the credit of this check will be available on XX/XX/24. 
Essentially, chase is rejecting my check deposit by putting a debit immediately and giving me the credit 10 days later. Eventually it will be nuetral but it holds my own money for 8 days by doing that, which come for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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: Account information incorrect

Complaint:
There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant 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 2018-09-14
Company: United Student Aid (USA) Funds
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau, as I have already proven that USA Funds is using another scam on a debt collection process that has already been beaten in federal court against XXXX. The student loans were all procured well before 2005, and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally USA Funds were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named XXXX XXXX. Now USA Funds plays a musical chair approach by seeing if they can slip in another wage garnishment and they are trying the administrative garnishment process again. This is not only illegal, but this company did a hearing request where I would have to travel out of state to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey. USA FUNDS is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as my 20+ year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period. 
I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed XXXX XXXX. This false administrative collection process is what got XXXX fired by the United States Department of Education as a sanctioned debt collector, and USA FUNDS has no authority from any federal agency to collect on behalf of the taxpayers of the United States. USA FUNDS is not even legally bonded or licensed to do business in the state of New Jersey.

I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY USA FUNDS.

USA FUNDS IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES ACT 45:18-2 AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.

CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST USA FUNDS ILLEGAL COLLECTION PRACTICES!!!

USA FUNDS MUST PURGE MY FILE PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have a card with Comenity or owe them any debt. I am also on the Do Not Call List. This number is calling repeatedly and sometimes leaving messages. XXXX this number reveals many similar stories and stories of the person on the other end not believing that you are not the person they are trying to reach. Attached is a screenshot showing their repeated calls.

Company response to consumer: Closed with explanation