BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a XXXX store card from XXXX XXXX   that has been closed about 6 weeks ago which I have no problem with but a multiple payments were made by mistake on this card and it now has a negative balance of {$29000.00} that XXXX XXXX owes me. 

I contacted the customer service several times and was told that the check was mailed every time. But after not receiving the check I called once again and after insisting I was told that my account was being reviewed by an account specialist. When I contacted the account specialist I was told that it would take a month for me to receive my funds back but here I am 6 weeks after my account closed and my money is still being kept by XXXX XXXX. 

Latest statement from XXXX XXXX has been attached. It is clearly showing the amount I am owed.

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 2017-08-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX i spoke to someone 3 different times & i was told prior to the XX/XX/XXXX call they certain inquires would be removed & i called back today to see why they were still there & someone told me that they were never disputed like i was told it 's hard for me to get credit because of theses & i did n't appreciate getting lied to -equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ideal Collection Services is attempting to collect a debt that has not been properly validated.

The debt to which ICS is attempting to collect was compiled XXXX/XXXX/2018 and faxed to ICS on XXXX/XXXX/2018 for carpet replacement on a rental i vacated on XX/XX/2018. 

ICS provided USPS certified mail Labels ONLY without the original contents, no sender info at all. Just .... XXXX XXXX .... they mailed the certified labels to the apartment that has been vacated where it sat for over a month " knowing i could not possibly of had any knowledge of its existence to respond to the bill obviously ''. This clearly is in violation of my rights under the Fair Debt Collection Act and the state of Florida Statues Law Title VI Chapter 83 Article ( 3 ) ( a ) 3rd paragraph.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful.

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 2019-09-12
Company: CITIBANK, N.A.
State: FL
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:
I made purchase an on XX/XX/XXXX for {$350.00}. 

I returned item to the vendor under an issued XXXX number by that company. 

There was a small gasket and a large pool pump motor in my returned package. i have proof of package receipt by the vendor. The vendor only credit me {$2.00} for the gasket and did not credit me for the XXXX pound {$350.00} motor. 

I went round and round with the credit card company for months and they would not protect my purchase and issue me the credit for which I am entitled.

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 2021-07-16
Company: EQUIFAX, INC.
State: NM
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 following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXXXXXX XXXX XXXXXXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My credit card advertises price protection for eligible purchases. I purchased a pair of sunglasses from XXXX and then found a lower price at a couple different online sites. I submitted a claim for the benefit and was denied because the adjuster said the lower priced ad and the purchased item were not the same. This was because the lower priced ad showed the sunglasses model number but my receipt showed the model name. I called customer service and explained they were indeed the same. Customer service and instructed me what I needed to do to dispute the denial. We mutually discussed what I needed to do that was sufficient to prove the items were the same ( its also quite obvious they are the same ). I followed the instructions and disputed this and showed evidence multiple ways that they were the same item. Additionally, I added another lower priced ad from XXXX that showed the name/model number/model name because if for no other reason, it was another lower priced ad that could substitute for the original lower priced ad.The claim was denied for the same reason and because I was told the protection only extended 60 days. First off, thats false according to the terms and conditions, secondly it hasnt even been 60 days. Customer service says I have no other recourse. 

This is very clearly an attempt to avoid paying a valid claim under an advertised benefit. Not only is it dishonest, it is deceptive and unfair. Had I known Mastercard would act in bad faith then I would never have used the 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 2020-06-30
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: Their investigation did not fix an error on your report

Complaint:
I have disputed various items on my XXXX, XXXX, and Equifax credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Medical Data Systems, Inc.
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:
In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Medical Data Systems had  reported negative information on all 3 of my bureau reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent Medical Data Systems a dispute letter that was certified with a return receipt. My receipt confirms that they received the letter on XX/XX/XXXX and it was signed by XXXX XXXX. The tracking for this letter is XXXX. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Further, I would like to have a copy of the financial responsibility page that bears my signature with the provider of service to release my medical information. These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not respond in writing nor provide any documentation to support/substantiate what they were reporting, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!

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 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2018-06-16
Company: Midwest Loan Services, 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 was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months  of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.

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 2018-06-13
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harassing phone calls 6-10 times a day. Different numbers every day wont tell you who the creditor is they finally called from a number that was traceable to find out the were sunrise credit ... they wont stop harassing me. This has been going on for a month. Never sent out a paper notification. Didnt know who there were till I looked at my credit 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 2021-07-16
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : TARGET/TD Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$290.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
AfterseveralincidenceswithCapitalOnethatseemedshady,IdecidedtopayoffallXXXXofmyCapitalOnecards.Isentthepayoffbycertifiedmail.ThepaymentsfollowedwhatIthoughtwasthelawregardingsendingpaymentsbyduedates.TheXXXXofXXXX,2019wasmypaymentdate.WhichwasaXXXX.IsignedonthatMonday,theXXXXtoclosetheXXXXCapitalOneaccounts.ItwasthenInoticedlatefeeswheninthereshouldbeazerobalanceonallXXXXaccounts.IclosedmyaccountsandcalledCapitalOne.
Imadecontactwiththemandinquiredaboutthelatefeescharged.IinformedtheCapitalOnethatIsentthepaymentscertifiedandsincethepaymentdatewasSaturdayIshouldbe,bylaw,allowedthenextbusinessdayformypaymenttobereceived.CapitalOneinformedmetheyholdchecksXXXXdaysbeforepaymentisappliedtoaccount.Iasked,thereforeyouwillnotremovethelatefees.Theyinformedmemypaymentwaslateandtherewasnothingtheycoulddo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: AMERICAN EXPRESS COMPANY
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:
please provide competent evidence of the following disputed account # XXXX as I have never applied for it and am not responsible for its alleged use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Flagstar Bank, N.A.
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We are under the CARES Act forebearance plan with Flagstar Bank due to job loss due to COVID. We are still paying our escrow and have made all arrangements needed for the program. We were not behind prior to the COVID job loss. We now have people coming to our door physically wanting payment. This is not right and we believe this should be considered harassment under the FCRA.

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 2020-07-28
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX and XXXX  that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that XXXX XXXX should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount? 

Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline. 

As of XX/XX/2020, I have yet to receive anything via email or mail from XXXX XXXX to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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:
not mine ; FCRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2021-05-27
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with KAY JEWELERS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called KAY JEWELERS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and KAY JEWELERS with no successful resolution. XXXX XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few hard inquiries on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is in reference to the preceding complaint : XXXX They ( Barclays Credit card company ) are now wanting me to connect to a 3rd party site to supposedly view their findings on their investigation. I do not know the site they are wanting me to connect with, am I concerned it might be some type of scam they are trying to do. 

I thought they are supposed to report back to you, I would prefer this because I trust this agency. 

Thank you for any help in this matter, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When a payment is made to a XXXX  Store credit card, it can take up to 15 days for the payment to reflect back as available on the account. Yet, the payment was withdrawn from the payment account immediately. 
This practice is not on the terms and conditions of the credit card account,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : 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 2021-05-27
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent several letters asking for debt to be verified and they have not done so they just sent a group of papers saying it was from XXXX  I am currently paying XXXX XXXX a month So what could I owe. Looks like a form letter for response. They still have not answered my emails and they say this can be a amicable solution?

Company response to consumer: Closed with explanation